BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX in XXXX Texas is in Retaliation because l terminated my home and auto insurance and went with XXXX XXXX XXXX for both my home and auto. 
XXXX XXXX was cancelled on XX/XX/2015 because of insurance coverage on my home and car. 
My home and car was n't fully coverage and there was loopholes on my contract with XXXX XXXX. 
XXXX XXXX XXXX Agent XXXX XXXX XXXX in XXXX XXXX Texas educated me and fully implemented full coverage on both home and auto without no loopholes or overcharges. 
In due of respect to Farmers Insurance Agent XXXX XXXX that 's XXXX, she did n't look for my interest as a consumer and XXXX. 
I am on XXXX and Retired and on a fixed income. 
XXXX XXXX is also in Retaliation because l filed complaints against XXXX XXXX in XXXX Texas. 
I am protected under my XXXX XXXX act. 
I am not disrepecting XXXX XXXX but l had issues with them since l subscribe Home and Auto insurance starting XX/XX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had {$4200.00} in savings at Wells Fargo, in 6 weeks a cloned card wiped out my account, the bank never sent me a notification of suspicious activity, even when the employee at my branch informed me there was a " suspicious activity '' flag in my account. Also the cloned card had a different expiration date than my actual card ( which I have XXXX, the bank once my account was in zero, closed it, they even charged me " Excess activity fee '' every day as my account was being robbed.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2020-03-08
Company: Experian Information Solutions Inc.
State: MD
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: Problem with personal statement of dispute

Complaint:
In XXXX my credit from experian dropped 17  points. I have never been late on my XXXX XXXX Card. I paid my bill early and it showed that my balance decreased which is what happens when you pay off your debt early. I disputed this and nothing happened.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a continuation from previous CFPB and reports and fraud : XXXX XXXX Enclosed are copies of my XXXX identity XXXX. 
In them, and assumingly by design, are many, many alarming, appalling, concerning, misuses of personal identity which has affected me personally my entire life. As a result, my insurance, background, court records, identity, and opportunities to advance are constantly and continually averted, thwarted, and assumingly illegally compromised with aliases, loans, inaccurate and unassociated court records. There are only several logical explanations which I will list below. The reports enclosed speak for themselves and further validate my claim. However, my attempts to address these issues in an all inclusive report, multiple times over my adulthood, has yielded little to zero results with a continual battery of prejudice, subjugation of minimal advancement, hope, or justice all the while the abuse of powers, and the perpetrators advance freely. 
With that said, a detailed report per entity will follow which involves but is not limited to insurance companies, mortgages, banks, loans, private and public companies, etc. 
All of which originate from this initial claim of fraudulent activity and abuse of power. 
The data regarding a background check, insurance, mortgages, and more originate from the same source and directive. 
XXXX ) Either the XXXX of Texas XXXX XXXX has or was compromised. 
XXXX ) A rouge editor of XXXX XXXX records. 
XXXX ) By design and integral to City, XXXX XXXX XXXX, XXXX, and Federal municipality, XXXX under the directive of the XXXX XXXX Texas XXXX XXXX. 
Options XXXX ) and XXXX ) require too much effort and altering records negatively are of zero benefit. 
Option XXXX ) however, is of great benefit and even if not, are and always have been under the direction of The XXXX XXXX, specifically, regarding insurance, mortgages, and vitally, court and criminal records. All of which are potentially detrimental to the person of interest, yet beneficial to The Governors of past, present, and future. 
These peculiar practices are extremely unjust especially and particularly when a person has paid their debts to the community and society. 
The Governor and the Attorney General for the XXXX XXXX Texas expects the citizens of the community to be of the highest moral, ethical, valued standards and by law they are required to do so themselves and are not above nor allowed to divert at will.

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 2016-07-22
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I applied for a promotion of you Citigold debit card. 
Promo code : XXXX My Debit card # XXXX Checking Account # XXXX Since I met the requirements to received XXXX XXXX miles in XX/XX/XXXX, I have been calling many times Citibank to report that I have not received the promised XXXX miles of the promotion. I have spoken with numerous people, supervisors and sadly to report, none of them cared. I had even opened cases, ie. 
case # XXXX but nothing has been done, nobody takes ownership of this issue, nobody cares. Last time they told me they needed my XXXX # to post the miles, which I again gave to them several times, but nothing happened. 
So after more than 6 months of contacting their people more than 12 times, the issue is still not resolved which is very upsetting. I even talked to supervisors several times but nobody takes ownership and it seems nobody cares at all.

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 2015-11-25
Company: CITIBANK, N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank stopped providing me access to my accounts. They disconnect calls to customer service after hours of wait time, transfers and do nothing representatives. They have not replaced my expired debit card. After months of harassing emails to switch to paperless, I agreed. Now I do not know my account number nor the address registered to the account. I have moved from XXXX to XXXX. They will not help me regain access to the XXXX of dollars I have on deposit. I just want to have access to my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened XXXX accounts at Citibank ; A CitiGold checking account and a credit card. 
The bank representative ensured me that I would be eligible for a XXXX Advantage mile bonus in opening the CitiGold, provided I made {$1000.00} of purchases and two BillPays in the first three months. I fulfilled these obligations and checked with my local branch whether or not I had met the requirements. 

However, after many months, I had not received the mile bonus in my account. I submitted several complaints regarding the account and the promotional offer and was informed that 'those offers are only available to the individual to whom the offer was addressed. ' I am extremely dissatisfied with the customer service and the lack of transparency regarding this promotion.

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 2017-02-21
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I was enrolled in Citi IdentifyMonitor without my consent and was charged a monthly fee. The program was offered by Citibank NA. The Sent me a letter telling me about a refund I am owed,

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 2020-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
3 charges were made on my card that were not mine- totaling {$420.00} I called Bank of America and was told to contact XXXX, who told me to deal with bank Have now spent over 11 hours on hold with claims department- and then being cut- off a few times Was then told to send and email, which i did- no response SOS- i need the money

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 2017-05-21
Company: Experian Information Solutions Inc.
State: MI
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:
I bought another  XXXX  in  XXXX  anticipating the  XXXX   (   XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .

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 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Trans Union is claiming they verified the accounts on my report, I believe they were not reported on properly. I believe several reports are violating my rights.

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 2020-11-11
Company: EQUIFAX, INC.
State: AL
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:
Hi there! 

I would like to file a dispute with the Equifax. On XX/XX/2020, I sent a dispute asking to verify the information concerning the bankruptcy on my Equifax credit report. Equifax responded and verified this bankruptcy through information " obtained from local, state, and federal courts through a third party vendor, XXXX ''. Interesting, because on XX/XX/2020, I asked the courthouse to verify if they were reporting information to the credit bureaus to see if this was true. The courthouse stated that they did NOT report any information to the credit bureaus. Either directly, or through a third party vendor like XXXX. This leads me back to Equifax. If the courthouse did not send the information to the credit bureaus ( directly or indirectly ), how are they verifying this information? What method did they use? So on XX/XX/2020, I sent a certified letter to the Equifax informing them that they were reporting a bankruptcy on my credit report, that was not verified with the courthouse that they are reporting that they received the information from. They then AGAIN stated that all of the information was " verified ''. But how if the courthouse does not communicate with any credit bureaus ( XXXX is a credit bureau )? I find this information false, misleading, and should be removed from my credit reports! I have attached ALL of the letters to prove my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
wells fargo states that I own them XXXX buts thers is no record of it.

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 2016-06-29
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been mislead by Citibank and spent $ XXXX/months thanks to the promise of a sign-up bonus that they are eventually denying to me. 

I have opened a high fee checking account ( CitiGold ) on XXXX XXXX XXXX with Citibank under the promotion code XXXX, which entitles to receive XXXX TY points after meeting the eligibility requirements ( " Within 60 days after account opening, one qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. " ). I applied on the dedicated Citibank website ( XXXX ) with the promo code and fulfilled these requirements in due time. As the points were not showing on my account, I contacted a citibank customer service representative, who checked my account and confirmed that I met the requirements and the points would be awarded to me at most 90 days later. 

After receiving that confirmation, I did not worry about it and happily continued spending the monthly fee of {$30.00}. In XXXX XXXX, 6 months after opening the account and still not seeing the points, I contacted citibank one more time. Now Citibank is telling me that I was never eligible for the promotion. Moreover, Citibank is ignoring the fact that one of their representatives told me I was eligible, that I had met the requirements and that the bonus was coming. 

Citibank lured me into signing up for a CitiGold account with an attractive sign-up bonus, charged me a high monthly fee, without delivering the promised reward. After numerous message exchanges ( I sent 5 compensation requests so far ), it is now clear that Citibank will not resolve the issue without external support. Therefore I am filing this complaint with CFPB.

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 2022-03-22
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
I attempted resolved the noncompliance issue with Discover Financial. I am aware when a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more.

Discover Financial is currently reporting on my consumer report that {$17000.00} has been discharge/profit loss. IRS requires if a creditor has discharged a debt owed, I am required to include the discharged amount in my income, even if it is less than {$600.00}, on the Other income line of my Form 1040 or 1040-SR. Discover Financial is reporting that this account discharged. Discover Financial did not issue 1099C during that tax year. Discover is not in compliance with this debt and committing consumer violations on its unethical recovery tactics with the credit bureaus and IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Financial Business and Consumer Solutions.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
3rd party collection agency FCBS calling multiple times and hanging up, then refusing to tell me why they are calling. Finally they disclose an attempt to collect a debt which was paid in XXXX 2015. I have advised them to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXXPayPal Credit/Synchrony Bank has failed to credit a refund of a returned consumer item that I purchased and have documented proof. 
I purchased an air purifier from the XXXX company ( order # XXXX ) using PayPal Credit ( Synchrony Bank Funded ) on or about XX/XX/2020 for {$590.00}. The item did not work when delivered. A provisional credit was provided on XX/XX/2020 that brought my account to a {$0.00} balance. On XX/XX/2020 the {$590.00} charge was reapplied to my account. I still had the item and was waiting for instruction on how to return. I again contacted PayPal Credit and informed them of the situation. On XX/XX/XXXX another provisional credit of {$590.00} was applied to my account, again bringing my balance to {$0.00}. 

In time I managed to get a prepaid XXXX  label from XXXX and returned the item. 
The XXXX label tracking number XXXX was used and the item returned. XXXX received the package on XX/XX/2020 at XXXX XXXX  in XXXX, Il. 

Sometime in mid/late XXXX I contacted PayPal Credit again to find out what was going on with my refund and I was told that the dispute had NOT been found in my favor, even though the item was returned, and my balance was {$590.00}. This i immediately disputed, again. 

On XX/XX/2020 I checked my PayPal credit account hoping to find my balance had been brought to {$0.00} only to find that not only had the {$590.00} still there but I had additionally been charged another {$590.00}. My total balance in the account is now {$1100.00}. 
On XX/XX/2020 at approximately XXXX XXXX  EST I spoke to a representative at XXXX who did in fact tell me that they had received the item and that I would be receiving a refund. On XX/XX/2020 I received an email from XXXX XXXX from XXXX customer service that stated Good Morning, this is regarding crediting your PayPal account, unfortunately at this time we are unable. This is due to the dispute you that is still open with PayPal. If you close the dispute then we can credit your account, the dispute # is : XXXX. We look forward to assisting you! 
I do not have the purchased merchandise. It has been returned and this can easily be verified. I have not made any other purchases. These charges are erroneous and I need to be made whole.

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 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday XXXX. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion has shared my credit report to specific merchants who had no permissible purpose. The companies are listed on the attached letter.

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 2019-02-16
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just have old things on my credit and it never goes Away

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