BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I opened an account with Best Buy at their urging to get a rebate. When I tried to claim the rebate, it was not available. They apparently checked a box that said they could neither call or mail me about a balance due. I received no invoice on the account and thought it was paid in full. I closed the account on XX/XX/2019. On XX/XX/2019, I received a letter demanding payment of an account that was 159 days past due despite having never received an invoice. They advised they sent me an email saying I could go to the Best Buy Visa Citi website to view my bill. I never received this. They told me my {$3500.00} bill was now {$4200.00} and they could waive only one month of late fees. Or, I could compromise the bill with {$2100.00} and they would report to the credit bureau I could not pay my bills. I told them I would pay the full amount for the invoice but not late fees as I did not receive an invoice. They said that was not an option. They also said to call me I would have to agree to have my cell phone number used for their partner sales calls as well. So, Best Buy committed fraud with the rebate offer which was fraudulent and Citi VISA in not providing me a bill and then offering as an option either a bad credit report or an high late charge ( {$700.00} ). Neither is an acceptable option.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I sent an international wire to my XXXX account via Wells Fargo ( XXXX wires go through Wells Fargo ). The money ( {$7000.00} ) was removed from my account in XXXX XXXXXXXX XXXX in XXXX but never was deposited to my account at XXXX. 
Over multiple phone calls and 2 months, I learned that Wells Fargo deposited the {$7000.00} into an unknown account at Wells Fargo ( same account number as my XXXX account number ) without verifying the name of the recipient, without checking that it was for benefit of XXXX XXXX. 
Wells Fargo is unwilling to revert the funds back to my account in XXXX, or send them to my XXXX account as I originally intended. They are asking for unlimited indemnification from my bank in XXXX to process a wire recall and my bank is unable to provide unlimited indemnification to Wells Fargo ( they are willing to sign if there are caps ). 
I am at a loss as to how I can get my money back from Wells Fargo. I need your help in this matter.

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 2023-11-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX  violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. Amount was XXXX owed. According to " FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term " consumer '' report or does not include reports containing information solely as to " transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer report.,

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 2020-01-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a progressive problem : It is getting more and more difficult to redeem " points '' on my Chase credit card. 

The latest iteration, which occurred today, required me to go round and round with the website. 

I just wanted to get the " rewards '' posted to my card, but the site kept trying to divert me to other places ( " XXXX, '' etc. ). 

The default targets for " rewards '' should be either the card account, or a check for cash back. 

The new Chase website makes it extremely difficult, time-consuming and frustrating to redeem these so-called " rewards ''. 

I could attribute this to sheer incompetence, but I fear that it is deliberate on the part of Chase to confuse cardholders and divert their rightfully-earned rewards into other " programs '' that they neither want no need, and that it might be difficult or impossible to claw back their rewards. 

Redeeming points used to be a simple, straightforward procedure, by which a customer could simply access the available rewards amount, click on redeem, and the proceeds would be credited to ones account. 

Enforcement action against Chase is required to remedy this situation of their making.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Re : XXXX XXXX Credit Card Account with XXXX XXXX This CC was current until a financial hardship came about in XX/XX/XXXX. Began working part-time XX/XX/XXXX and paid here and there amounts but not enough income to continue paying minimum due to keep card current. At this time the debt incurred was approximately {$1800.00} give and take a few dollars. I contacted XXXX XXXX to inform them of the hardship and that I was not able to pay. They continued to hound me but still could not pay. The account was closed but XXXX continued to add on fees after I informed them that I was trying to catch up. 
Now XXXX has sold the account to a collection agency named XXXX XXXX XXXX XXXX. This company legal team named Aldridge PIte Haan LLP are suing me for an amount of {$3200.00} by way of the local XXXX County, Georgia magistrate court. I have answered once as XX/XX/XXXX and spoke with a representative at XXXX XXXX to consider paying back the {$1800.00} charges but not the after fees after the account was closed and charged off. I am asking FTC to please assist me with this because I refuse to hounded by the court system for fees that I did not occur after I did my part by staying in touch with them back in XXXX about my financial situation. My history before the financial hardship shows that I was willing to pay the debt incurred. The financial hardship came due to a family emergency where I had to reduce work from full-time to part-time. I have written letters to XXXX XXXX as of last year XX/XX/XXXX, XXXX XXXX referring to the {$1800.00} debt. Also, XX/XX/XXXX, I contacted the law firm at XXXX and spoke to XXXX XXXX to inform them that I am willing to pay back the {$1800.00} only. I agreed to {$300.00} dollars a month but did not hear back about where, when, and what to send the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-02-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
TRANSUNION HAS BEEN REPORTING A ACCOUNT WITH XXXX XXXX AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.

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 2023-10-03
Company: Hatfield, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hatfield Inc DBA Grid has reported me late incorrectly. They promised to update the report but they are not ignoring me. In addition, they are refusing to cancel my subscription and attempting to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-09-12
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid my bill off by an official bank check on XX/XX/22. The check was for {$1800.00}. I Never got credit for the payment so I contacted the bank and it was cashed on XX/XX/22. Barclays bank asked me to send them a copy of the canceled check front and back which I did on XX/XX/22 certified mail. Barclays Bank received the letter with the copy of canceled check on XX/XX/22. I have called several times and were told that they are the proof of payment and it will be applied within a week. That has been going on for a month now after several other calls to the bank. As of today when I spoke to a account manager they are now saying that until they find out what happened to the payment on there end they will not credit my account and they say the process could take another 30-45 days. 

Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX, DE 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 2022-09-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX is reporting false addresses with my name. 
attached is a list of those addresses. 
Someone has stolen my ID, DL, AND MY SOCIAL SECURITY CARD, AS WELL AS USED THEM FRAUDULENTLY.

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 2019-07-24
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company NCC is reporting a debt for {$460.00} on my credit report with XXXX thats I do not owe. I r never had an contract with NCC Business Service. I have reached out to them several times. i have signed a afadavit they sent me stating its not mines. They still have yet to remove this from my file. This has negatively affected my score for months. I need this removed ASAP. Ive never had no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have nonauthorized credit inquiries. I filed disputes to have them removed but nothing was done. Some inquiries are duplicates and were added the same day.

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 2023-10-06
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello CFPB team, I opened my Citi bank account ( account number : XXXX ) in branch using the {$2000.00} special offer ( XXXX ). I met the conditions for {$500.00} tier bonus outlined below but am yet to receive the bonus. 

Account Opened in branch : XX/XX/2023 Deposited more than XXXX by XX/XX/2023 Maintained the amount till XX/XX/2023 I contacted the company about the missing bonus and they mentioned that I didnt meet one of the term attached to the bonus ( Citi Response 1 ). The term they are referring to is New-to-Citibank customers. They refer to the fact that I tried to open an account in XX/XX/2023. I agree with them that I submitted my application to open the Citibank account ( XX/XX/2023 ). However, in response to my application I received the attached letter ( Citibank - Denial of account opening ) which clearly indicates " We have completed our review of your account application and regret that an account can not be opened for you at this time ... ''. In addition, I received the check of {$25.00} which was the initial opening deposit that I submitted with my application. 

This letter confirms that Citibank denied my account opening application in XX/XX/2023 and therefore I didnt violate the terms and conditions of the bonus in XX/XX/2023. And I confirmed that with the Citibank branch representative. Before opening the account at the branch, I actually asked the Citibank representative who opened the account : would my previous application of XX/XX/2023 make me ineligible? They suggested that the attached response letter from Citibank suggests that Citibank was not able to open the account so I should be safe with terms and conditions. This was confirmed by the colleague ( another Citibank employee in the branch ) who assisted the employee opening the account.

I contacted CitiBank again citing 1 ) their own letter and 2 ) confirmation by their own employee that I met the terms and conditions of the bonus. However, to this request, their only response was that their decision remains unchanged ( attached letter Citi Response 2 ).

I would like Citibank to kindly review my case and post the promised bonus to my account as per the terms and conditions Kind Regards,

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 2022-09-12
Company: AmeriCollect
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I XXXX   and had to be taken to the hospital via ambulance. The XXXX  that I saw that day was XXXX XXXX XXXX. I XXXX  XXXX XXXX  and XXXX  my XXXX, which at the time was admitted into the XXXX. I was treated and released on XX/XX/XXXX. On XX/XX/XXXX I returned to the XXXX  with two XXXX  XXXX  and was admitted again then later released several days later. XXXX XXXX was the XXXX  that attend to me the whole process. Since then, We were billed by multiple companies. Our insurance provider at the time was XXXX XXXX, and paid all the bills with the exception of one. This particular bill is coming from XXXX XXXX XXXX XXXX. XXXX XXXX claims that this invoice is from an out of network location. Now, I only went to one hospital, XXXX XXXX XXXX in XXXX North Carolina. This is an XXXX XXXX company. I have contacted XXXX, they can not tell me nor do anything about the bill and said to contact the number on the bill. I have done that as well, and they say to contact XXXX. Meanwhile the bill has not been paid by my insurance and it has gone to collections. I have yet to be given any documents signed by myself, saying I received any services by the doctor on the bill. Also no-one at XXXX can provide me with that either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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
Consumer complaint received 2021-10-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was called on XX/XX/XXXX from a USAA Number ( XXXX ) XXXX asking me about a fraudulent charge of {$63.00} made in XXXX Florida. I confirmed on my USAA app and found the charge, I didn't make this charge, and the person on the phone said they were going to cancel my debit card and send me a new one because they believed my card and account got hacked. In this process, they were asking me to verify information that they were reading off to me ; my address, phone number, email address. Asking if this information was accurate or not. As well during this time they had sent me two one-time security codes through the USAA security code number ( XXXX ) that i have been receiving security codes from USAA ever since I started banking with them four years ago. As well during the process I had received three emails from USAA in regard to the fraud attempts on my account. After verifying the security codes at some point they had asked me for my pin to my account ( a normal question USAA asks of there customers ) and i gave them my pin, they put me on hold and then during the hold time i received a notification from the same number ( XXXX ) that a wire transfer was initiated for {$26000.00} from my account. I told the person I didn't authorize that and they tried assuring me that this was part of the test for them to see if my account had been hacked. At this point it was far too late, but i realized i was being scammed and hung up and called USAA Fraud department immediately to report the case. USAA verified that no one from USAA had tried contacting me through their phone logs and that this was a scam and a fraud attack on my account. They put in the that this fraud wire transfer be investigated to try and get my money back through the bank. On XX/XX/2021, and after many phone calls from myself to USAA on checking the status of the investigation, they had told me the investigation was completed and no fraud was found. I will not be receiving my money back, even though I was a victim of fraud and they were utilizing USAA phone numbers, emails and one time codes. I filed a dispute against the outcome of the case, and they are as well putting the case under re-investigation. I have no been updated at this time. USAA on XX/XX/2021 sent an email to their members ( in which I didn't receive ) but my friends who bank with them did, on being alert to fraud and phishing attempts, showing they are aware people have been hacking or attempting fraud and scams on behalf of their bank. I would like to reiterate I did NOT receive this email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation