BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: Winklevoss Exchange LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Gemini Crypto Exchange froze my account over a month ago. Since then, I have sent multiple support messages trying to unfreeze my account or at least get some explanation as to why they did this. To date, Gemini has not responded to any of my requests for assistance or explanation. 

This account has access to my bank accounts. Not having access to it is a security risk. Gemini has no right to take away access to my property without giving me any reason or assistance as this is a breach of their fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ladies and Gentlemen, I have 2 credit cards issued by Bank of America with credit limits of {$2500.00} and {$13000.00}. the second card i have for the past 16 years and must have transacted several 100T USd on this account over these years and been paying regularly.

I have a XXXX  issue in the past couple of months but i was paying the minimum amount due every month and unfortunately i missed 1 payment on one of the accounts for $ XXXX  and 2 payments of XXXX for the first account which was not intentional and unfortunately they blocked my ability to pay it on line when i have funds and instead they were presenting cheques to my account.

They cancelled my card with credit of {$2500.00} in the first week of XXXX  and inspite of getting a payment from me for the second card on XXXX of XXXX for {$250.00} they cancelled my card with limit of {$13000.00} on XXXX of XXXX.

By cancelling these cards, my credit scores are heavily impacted and hence i request you to kindly reinstate these cards though i am not using it and only make minimum payments. I am also trying to at least get this down to 50 % in the next months expecting some long due payments to me.

Another problem is that i am unable to make payments directly as i was doing for many years and you are debiting my account by cheque on due dates. I am sometimes aware of this only after the cheque is returned and then i try to go on line and make the payment, i dont have access to it. I have to again call BOA and make the payment and hence please reinstate my ability to be able to make the payments directly by bank transfer. This way i can make payments whenever i have excess cash in my bank account.

I am a BOA customer for the past 17 years and for missing a minimum payment i dont disserve cancellation of my credit accounts. I have been paying regularly except in the near past.

I am willing to clear the past due amounts in my account and also make the payments on time on both these accounts going forward however i want the credits on these accounts reinstated or a new card issued me with the same credit levels that it does nto impact my credit scores XXXX XXXX :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: SRA Associates, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
paid off a home equity account on XXXX-17 to SRA Associates who was a debt collecter for XXXX XXXX for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to SRA associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from SRA is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX American Express had a promotion that stated if you get an XXXX XXXX XXXX XXXX and spend {$3000.00} in the first 90 days they wouldcredit your XXXX XXXX account with XXXX XXXX XXXX bonus points. I applied and received the card and met the spendingf threshold on XX/XX/XXXX. 

I contacted AE on XX/XX/XXXX as it had been 8 weeks sincemeeting the threshold and enquired why my points had not been credited to my XXXX account. I was informed I had to wait 6-8 weeks before it was credited. AE told me that they had opened an internal investigation and that I would have to wait anothe 6-8 weeks for the investigation to be conducted. on XX/XX/XXXX I contacted them again and they told me it was being investigated. On XX/XX/XXXX I contacted them again and now was tols 7 - 8 weeks for the investigation.On XX/XX/XXXX I contacted them and AE told me that the " specialists '' had identified the problem and that my XXXX points will be credited " some time in XX/XX/XXXX ''. On XX/XX/XXXX I contacted them again and was told that I will received the bonus points " sometime in XX/XX/XXXX ''. On XX/XX/XXXX still no points and still getting the run arround from American Express. They are still not providing me the promised points and still not providing me with an outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit Bureau in violation of FCRA, FDCPA and XXXX XXXX Compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filed a complaint 2 times with with XXXX abut this situation. XX/XX/XXXX & XX/XX/XXXX I requested proof of debt from Caine and Weiner from Progressive and they did not send proof if debt from Progressive until XX/XX/XXXX after they placed it on my credit report XX/XX/XXXX. By law I have the right to request the proof of the debt from the original creditor and they have to provide me with it it a timely fashion before reporting this debt on my credit report! This company failed to provide me with the necessary paperwork after requesting it for 2 months straight. It is unlawful and downright disgusting and every time I call to handle the matter I am being sent to voicemail. I will take legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I asked Equifax to conduct an investigation of accounts that are reporting inaccurate information on my credit report. Nearly XXXX months have passed, and I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the late on my macys account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I ha ve a Perkins  student loan that is currently in repayment status. In  XXXX  o f 2016, m y lender,   XXXX   XXXX  , decided to transfer my loan to a new servicer :  XXXX   XXXX . My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that  XXXX   XXXX  report specifically to Equifax. However,  XXXX   XXXX  has only reported my account information to Equifax  one ( 1 ) time  since becoming the loan servicer. Therefore, I believe   XXXX   XXXX   and  XXXX   XXXX  has been in violation of the promissory note fo r fifteen ( 15 ) of the last sixteen ( 16 ) months. I hav e been in contact with both  XXXX   XXXX  and   XXXX   XXXX   regarding this issue since lat e 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been trying to get access to my credit score from Experian for over 7 months now. I have called them several times and I still can't access my scores. I tried to pull my scores through a 3rd party app for purposes of credit monitoring and when I reached out to the app they advised that there was an issue with the information Experian was reporting. I have reached out to Experian multiple times. One time they said my information was correct and verified, another time they said their was a discrepancy with my personal information but couldn't check it because that department was closed. When I called back the morning to speak with someone in that department they said that my information was accurate and that they would send me a copy of my credit report. The last time I called was XX/XX/XXXX and they told me they couldn't help because their system was down and would give a call back, needless to say I never received a call back. I also use the Experian app and it's showing the last time my report was updated was XX/XX/2019. At this point I don't know what to do to access my report and my scores, I want to be able to purchase a home soon but have no way to find out what my credit score look like for Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Equifax and informed them I was unable to access an up to date credit file. When logging on to my equifax the information is from XX/XX/2020 & there are no recent reporting from my creditors. The agent was extremely unhelpful & gave me the fair reporting act script. I explained that XXXX & XXXX had received my recent updates from creditors but equifax seems to have a disconnect. I have sent my ID for verification however, they are still unable to help me. This happened to my husband & we went through 6 tireless weeks to get this resolved with Equifax. After speaking with an agent in the US this was resolved within 20 minutes. However, without being prejudice the foreign customer service agents are clearly inadequate and unable to understand my request. This is absolutely diabolical that they are responsible for managing my credit and personal information & unable to help me when needed. I need to make a mortgage application but my profile can not be accessed. I refuse to give up and will try anything to get this situation resolved. When explaining to the agent creditors can not access my profile all they say is its not locked ... clearly something is wrong because creditors are unable to access my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought an American Express Gift card to use generally and on more than one occassion XXXX has refused a return credit from a merchant. The first time this happened a merchant refunded me after I returned an item totaling over {$400.00}. XXXX did not notify that they were rejecting the refunded credit. When I tried to use the card later, it was frozen and I had to call customer service to find out what was going on. XXXX forced me to contact the merchant to request a new refund. 

Most recently, this happened again for a {$300.00} return. XXXX refused the return because the amounts didnt match. I bought an item in NY and returned it in MD, the merchant chose to refund a different sales tax amount. XXXX did not notify me that they refused the refund, and I only found out after my card was declined at the grocery store. 

I contacted XXXX, waited the long hold time for their off-shore customer service, and ended the call with no help as XXXX said I would have to contact the merchant in a couple days to request a new refund. 

XXXX has no intention of changing their policy to notify a cardmember that their expected refund has been refused. I currently have to hope that the merchant is willing to assist me in getting this resolved. 

I have also requested multiple times that XXXX send me a check for the balance of the prepaid gift card so I can avoid any more unfortunate experiences trying to use their card. They have flatly refused each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
fraudulent accounts are on my credit report due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the late on my XXXX account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax are not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a fraud dispute on XX/XX/XXXX, 2017 for a charge that occurred in XX/XX/XXXX 2017 I visited what I believed to be a law firm licensed in the state of New York to handle a law suit on my behalf. The representative made a photo copy of my card and charged {$1000.00}. <P/>I found out about a week later that they had no license to practice law anywhere in the United States - a Felony. <P/>The representives then attempted to make 3 additional charges for {$1000.00} all of which were unauthorized and blocked. <P/>I made many attempts to request my money back since they had no ability to perform the advertised services and the advertised services were never able to be performed, since they have no license to practice law. <P/>I opened a dispute with American Express and requested an immediate chargeback since it was pure fraud. <P/>I spoke for more than 3 hours to various AMEX employees all of which refused to do anything. One individual in particular XXXX ( Employee ID number : XXXX ) was especially reckless should be charged with aiding and abetting fraud. <P/>I demand my money back now and regulatory action taken against XXXX and AMEX for refusing to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I previously submitted a complaint against Gurstel Chargo/Gurstel Law Firm in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XXXX XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through XXXX XXXX XXXX in which the last date of payment was XXXX XXXX, XXXX. I also received a demand for payment the same month. I responded by certified mail XXXX XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XXXX XXXX, which was a copy of a statement from the credit card company XXXX XXXX XXXX. In XXXX XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XXXX XXXX they sent me copies of paperwork requesting information from me and XXXX. At this point I submitted a complaint against the law firm and XXXX XXXX XXXX with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XXXX XXXX, XXXX that they have filed against me with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with XXXX and Transunion that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief