BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to live in XXXX for a year and I paid off my credit card in full. I asked the represetantive of Bank of America to make my Payment in full but did not include the residual interest. Since I left thinking I paid off my account, my account became past due even though I thought I paid off my account. Bank of America did this to allow me to incure more fees and income my credit. 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 2020-09-20
Company: Square Inc
State: CA
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:
On XX/XX/2020 at XXXX XXXX, XXXX XXXX, and XXXX XXXX  three payments of the amount of {$71.00}, {$210.00}, and {$250.00} were made at XXXX XXXX. These purchases were unauthorized as I didn't complete these transactions. The card that was used was my Cash App card. Cash App has NO live representatives and I've sent them multiple emails as this is the only way I'm able to contact them. I have still heard absolutely nothing from them as it seems they aren't doing anything to help resolve my issue. I've also contacted the merchant and they have claimed they're unable to do anything for me. I've also filed a police report. This is extremely frustrating as a total of {$530.00} has been taken from me and CASH APP refuses and doesn't show any interest to help me and contact me to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: U.S. BANCORP
State: MI
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:
I received a mail advertising the Fidelity visa signature card handled by Elan financial services. Advertised was 0 % promotional Intro APR for 12 months on purchases and 0 % APR for balance transfers made within the first 30 days of opening. Received my card on XX/XX/XXXX, did XXXX balance transfers on XX/XX/XXXX ; 3 % balance transfer fee was applied and I got charged for interest at the end of the month for $ XXXX XXXXI called them and they said my account never had promotional APR in the first place. On XX/XX/XXXX, I receive another similar advertising mail saying the same promotions - 0 % promotional intro APR as well as 0 % APR for balance transfers. I feel I got scammed here and want my money back

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 monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have notify TransUnion and the company responsible for reporting these account that they are Fraudulent and they need to delete these account from my credit report : XXXX XXXX, XXXX XXXX XXXX  and 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
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-03-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have a new inquiry from JPMCB auto finance. Im not sure if that means someone has used my credit to open an account or why it was even pulled there. I have no accounts with chase banks whatsoever and hope it doesnt connect with my credit going down XXXX whole points afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
For more than six months I've tried to close a Wells Fargo savings account I opened. 

I've personally spoken with several representatives on three separate occasions to try and remedy the situation. Each time being assured the account would indeed be closed. 

Despite those assurances, the account is still opened. I received just today yet another " Wells Fargo savings account updates. '' I deeply regret opening this account. I can't imagine to what end this is benefiting them, it just feels oily in a sleazy unethical way. 

I'd just like to put an end to whatever game they're playing and successfully close this account.

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 2023-06-02
Company: GOLDMAN SACHS BANK USA
State: TN
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 created a charge with XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} and it was supposed to be {$5.00} for a robo call in XXXX. I have contacted XXXX several times, but they have not issued a refund. I contacted Marcus to dispute the charge. I sent Marcus all the information. Marcus initially credited me my money back, then they reversed the transaction. 

Im not sure what else to do- it was a typo. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-03-28
Company: Experian Information Solutions Inc.
State: CT
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:
Experian refuses to remove an inquiry dated XX/XX/XXXX on my credit report on behalf of XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX who apologized for the hard inquiry ( I didn't give them permission to pull my credit ) and promptly submitted an electronic request to the three credit bureaus to remove the inquiry from my credit file on XX/XX/XXXX. XXXX and XXXX removed the inquiry within 30 days, and Experian did not. I contacted Experian SIX times between XX/XX/XXXX, and XX/XX/XXXX, asking for an update and trying to understand why they hadn't removed the inquiry. They replied they didn't receive the information from XXXX XXXX XXXX. I promptly uploaded a copy of the letter sent to me by XXXX explaining that they would send a request to the credit bureaus to update my credit file, and have had them resubmit the request over SIX times ( every time I spoke with Experian and they denied seeing the information ). Experian keeps saying they don't see the information from XXXX, every time I call XXXX they pull up the dates that they've sent the request. I'm at a complete and utter loss as these two companies keep having me call each other and they keep blaming each other for as the source of the problem. This is a complete violation of my rights, and XXXX did not have the right to access my report. Please help me.

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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME PLEASE REMOVE THEM XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks

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 2021-12-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a citibank checking account on XXXX XXXX, 2021. I tried to transfer money I deposited into that account to my other checking account with a different bank but it didnt work. On XX/XX/XXXX I called customer service because my account wasnt working and was told it was locked because they couldnt verify the cancelled transfer. I was told to wait for a letter with a reference number to verify my account so it could be unlocked. They mailed it out on XX/XX/XXXX and I got it on the XXXX, so I called back. My account was unlocked but I still couldnt log into my online account. On XX/XX/XXXX I called customer service again because my account was locked again with no warning. I was told that the service representative failed to follow proper steps during the verification process so they locked it again. I was also told that my account would be closed and when I asked about getting the money in it, I was told I would get a check in 1-2 months. I was also told I would get a letter explaining why its being closed but still havent received that. I inquired about getting the check sooner but was told to call another number. I waited some weeks and called the number on XX/XX/XXXX but keep getting hung up on with no answers about the check.

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 2020-09-20
Company: Experian Information Solutions Inc.
State: GA
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:
I received a copy of my Experian credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was published by XXXX XXXX. I sent a letter to Experian disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX District of Ga dated XX/XX/XXXX confirming that they do not report to a credit reporting agency. I received an email from Experian on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I opened claim # XXXX XXXX on XX/XX/XXXX. The claim was closed on XX/XX/XXXX due to a response from the credit bureau. The credit bureau noted that they would reinvestigate. On XX/XX/XXXX, I received a notification from them that the Information would remain. That was not enough time to recertify the Information. I am respectfully asking for this Information to be removed due to invalid verification and incorrect reporting. Thank you for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX DOB- XX/XX/XXXX XX/XX/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 2023-06-02
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The last response did not fix my problem if you would have read the message or looked at the pictures that I attached you would have seen that in your portal where I make my payments it is showing no active account I need that fixed because that is how I make my payments. That needs to be fixed to avoid you taking me to court because I cant make any payments or verify that they were applied to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received emails from Citizens Bank on XX/XX/2023 about a new Checking and Savings account opened in my name. I have never had an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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 recently placed a complaint in regaards to Portfolio Recovery Associates, who filed a citation against me, in civil court. XXXX XXXX, with CFPB. They claimed to have sent a letter on specific dates, initiating the purchase of my debt from XXXX XXXX XXXX XXXX XXXX. However, this was false information. As I stated in my feedback, I receive XXXX Mail from my postal service. Which means, I receive images of my mail, before they arrive in my mailbox. I checked dates given for letters and received absolutely nothing from this company. That is, until today, XX/XX/2023. 
However, I contacted XXXX XXXX  in regards to my XXXX account. 

After searching endlessy, I found emails from XXXX XXXX, in my junk mail ( emails ). 
They offered me a settlement and payment plan, that would remove all late fees and allow me to pay my balance off with them. 
I called, XXXX and spoke with XXXX. She informed me, that a dispute was sent to Portfolio Recovery. She also informed me that, within 60 days, my account should be back with XXXX XXXX  and I should not have to deal with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
this company Resurgent capital services report to the credit agencies on XX/XX/2018 before the 30 days opportunity for me to dispute the validity of this debt. I answer letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX, XXXX. who say they where attorneys for XXXX XXXX XXXX, and send a letter to Resurgent capital services on XX/XX/2018 see attach documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I found unverified items on my credit report and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately! The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

1. XXXX, XXXX  XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX  XXXX  XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section1031 of the Dodd-Frank Act ) Thank You,

Company response to consumer: Closed with explanation