BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-17
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account.After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. 
On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I went on chat with XXXX and explained that I did not receive my points. XXXX informed me that my bonus was denied for the following reason : " There was not a AAdvantage Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. They have also charged me two months worth of service charge fees because I kept my account open due to Citi lying to me, so I believe I would receive the AAdvantage bonus points.

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 2020-01-06
Company: SYNCHRONY FINANCIAL
State: MN
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 have 7 bad marks on my credit from Synchrony bank due to their claim of delinquent payments. However, these marks should not exist because Synchrony repeatedly failed to inform me that multiple attempted payments were not going through. 

The account was paid in full XX/XX/XXXX2019, however my credit reflects Synchrony claiming I was delinquent 7 times : 30-59 days - XX/XX/XXXX, XX/XX/XXXX 60 days - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days - XX/XX/XXXX, XX/XX/XXXX While carrying the loan, I'd made multiple attempts to pay my balance over phone. I was told at the end of each phone call that my payment was processed. The next month, I'd receive another statement and go through the same process, again being told that my payment was processed. All the while, I was not informed of my payments being rejected after our phone call had ended. After a few months, I caught on to the accruing late fees and un-moving balance, and when I brought this to the attention of Synchrony they had no record of ( or willingness to share ) my attempted payment. They even disconnected me on one occasion I'd brought the issue to their attention I began working with Synchrony on XX/XX/XXXX to open an investigation on my account. On XXXX, they concluded their investigation and decided there wasn't any means for removal of the marks. I've requested additional information showing my multiple phone calls, attempts to pay, and the history of " unpaid '' balances following those conversations, but their are unwilling or unable to pull that history for 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 2017-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One 360 money market account and checking account sporadically closed on X/XX/17 with no notice except for a call a week earlier about verifying account activity ( linked external accounts ). Contacted customer service three times, refuse to tell me anything. I had no notice, no options on where my money went - though it was transferred to an external ( not preferred ) account. No calls, no communication, nothing. Extraordinarily unprofessional, yet I want it reopened and/or an explanation ( one that is n't a canned response ) as to why it was closed. Primary checking account # ended in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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:
I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1100.00} ;

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 2022-01-26
Company: BAM Management US Holdings Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Binance.us has continuously ignored my attempts to verify my account so I can withdraw my funds. Thousands of other users are experiencing the same situation. I have over {$80000.00} in current portfolio value but am unable to sell or withdraw my funds because the XXXX verification is not being approved. It has been over 2 months and no action has been taken despite multiple attempts to contact customer service. 

The company is fraudulent and holding my and thousands of other users funds hostage.

Action must be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Confusing or misleading advertising about the credit card

Complaint:
I called Capital one credit card for balance transfer and spoke with XXXX he informed me that the promotional offer 0 % balance transfer only can be done at XXXX, so after login to my account and try to submit it I notice the offer is 17.99 % with XXXX fee to transfer my XXXX XXXX XXXX XXXX is only 16.99 % so is very stupid to do so, but the question is it seems capital using this scam for none speaking English people ( minority ) that can not read the disclosure, if you use the internet Capital one can claim i signed and read disclosure and offering XXXX fee I never thought about I am XXXX years old and never seen this before and I know is an offer but intend of capital one to do it on the internet and adding the XXXX ( XXXX ) fee is very ambiguous and offering it only to minorities, i know bank has to make money but no fraudulent why not do it both way internet and phone.I hope this complaint stop capital one and do not rip off people, capital one must understand not many people can read and wright English. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I started the short sale process with Select Portfolio Servicing. 

SPS requested a BPO on my property that was made on XX/XX/19 and the banks appraised value was $ XXXX. The buyer presented an offer of $ XXXX and is willing to increase the offer to match the bank 's appraised value. However the bank is now stating they are aware the value is $ XXXX but they want $ XXXX. This is bordering on consumer fraud and not acting in good faith. They are wanting a higher amount than the value of the property. If they were lending to the buyer, they would NEVER give the buyer a loan for $ XXXX for a property valued at $ XXXX. This is ludicrous and forcing me into foreclosure. PLEASE HELP ME. This is my second request and I have no where to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Experian Information Solutions Inc.
State: NV
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:
The XXXX XXXX XXXXXXXX has placed an outstanding and past due account item on my credit reports and this was done inaccurately and without contacting me. I attended this school up until XXXX. I left the University at the end of XX/XX/XXXXdue to unforeseen circumstances. I was paying for classes with financial aid ( a combination of loans from XXXX XXXX and pell grants ). This combination of funding covered all tuition expenses for XXXX. My issue comes with the fact that I have had NO COMMUNICATION from XX/XX/XXXXto let me know of an outstanding amount owed, no update to my online account, and no notice that my account would be sent to collection or reflect as charged off on my credit files which violates my rights for Fair Credit Reporting. This item is showing on my credit report as a 1 month unsecured installment loan directly through XXXX. Something I would have never signed for or agreed. In XXXX, not too long after my last semester with the school I logged into my student account. Upon checking the amounts and balances owed, I found that it showed a {$0.00} balance. I am requesting to receive validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and the XXXX XXXX XXXX for the 1-month unsecured installment loan in the amount of {$950.00} that 's being reflected on my credit report. This negative reporting is a hindrance to me on several aspects and should be removed from my credit reports immediately

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 2022-01-26
Company: Experian Information Solutions Inc.
State: NY
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 do not recognize XXXX XXXX inquiry on XXXX XXXX and 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 2017-07-23
Company: EQUIFAX, INC.
State: NV
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:
The XXXX XXXX XXXX has placed an outstanding and past due account item on my credit reports and this was done inaccurately and without contacting me. I attended this school up until XXXX. I left the University at the end of XXXX due to unforeseen circumstances. I was paying for classes with financial aid ( a combination of loans from XXXX XXXX and pell grants ). This combination of funding covered all tuition expenses for XXXX. My issue comes with the fact that I have had NO COMMUNICATION from XXXX to let me know of an outstanding amount owed, no update to my online account, and no notice that my account would be sent to collection or reflect as charged off on my credit files which violates my rights for Fair Credit Reporting. This item is showing on my credit report as a 1 month unsecured installment loan directly through XXXX. Something I would have never signed for or agreed. In XXXX, not too long after my last semester with the school I logged into my student account. Upon checking the amounts and balances owed, I found that it showed a {$0.00} balance. I am requesting to receive validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and the XXXX XXXX XXXX for the 1-month unsecured installment loan in the amount of {$950.00} that 's being reflected on my credit report. This negative reporting is a hindrance to me on several aspects and should be removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've received a debt collection notice XX/XX/XXXX ( dated XX/XX/XXXX ). I've tried to reach out to the company several times ( XX/XX/XXXX-XX/XX/XXXX ) to inform them that I'm disputing these charges as there was likely an issue with the hardware ( it's toll related and I got a new car ). The company is Professional Account Management , LLC. My Account # XXXX. I've tried to contact them several times and there is only a phone prompt to walk through. As I walk through the prompt, they ask the account number, and then the zip code on the statement. I've inputted the zip code on the statement several times, but it tells me it's invalid. I've tried to figure out how to speak with a representative but it's been impossible. There is no option for me to contact an operator. I've tried to find people on XXXX. I've tried to reach the parent company. Professional Account Management , LLC claims they have a " contact us '' page, which they don't. I've been very disappointed with the lack of transparency to this process as it will impact my credit score. Additionally, I can't contact the toll company to resolve this as they direct me to this company. 

Notice is from : Professional Account Management , LLC ( XXXX ) XXXX Account # XXXX Violation : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Social Finance, Inc.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sofi Bank is not letting me withdrawal my money from an investment account. I called customer service and they claim that the withdrawal is blocked because they have to check my linked accounts. Which would be their own checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This complaint is in regards to XXXX XXXX XXXX. I currently have XXXX different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XXXX and XXXX of XXXX. The loan payment was not late, but in deferment during this time. I have contacted XXXX XXXX  to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XXXX and XX/XX/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 2018-03-25
Company: RentDebt Automated Collections, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX : I was sent a final account statement from my previous apartment complex, XXXX XXXX of XXXX, NC, stating I owe a total of : {$5300.00}. My charges equal a total of {$1400.00} and XXXX XXXX is charging me an additional amount of {$4100.00} to " move-out ''. They had signed me up for an additional 4 months, from XX/XX/XXXX to XX/XX/XXXX. My lease was originally set to end on XX/XX/XXXX. I spoke with the apartment manager ; XXXX XXXX via email on XX/XX/XXXX stating I needed to extend my lease until the end of XX/XX/XXXX, ONE month total. She forwarded me the lease to sign and it was returned to her on XX/XX/XXXX. She had signed me up for an additional 4 months. I agreed to only an extension of ONE month not FOUR. I was charged {$4100.00} in rent/late fees for those additional months. I will gladly pay the {$1400.00} in charges for the month of XX/XX/XXXX. I moved out the last day of XX/XX/XXXX and sent her notification of my move out date. This incorrect charge is now in collections and damaging my credit score, preventing me from applying for credit cards and loans. I have an email with payment confirmation for XX/XX/XXXX rent, I have attached these email conversations. The payment was made by my boyfriend at the time, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XX/XX/17 ATM withdrawal. Did not receive funds. ATM made noise and did not dispurse funds. First withdrawal was the max {$400.00} that transaction was completed. The second withdrawal for {$160.00} was incomplete. No funds dispursed. A third test of a {$20.00} withdrawal to infer that the money was not stuck. That transaction was completed. I Did not receive the {$160.00} transaction only the transaction before and after. I have spoken with my card company. I can not get a supervisor no matter what I do. They just put you on hold. Nothing happens. They issued a temporary credit for {$160.00} now they have withdrawn the credit stating there was no atm error. Obviously there was an atm error I do n't have the {$160.00}. The company I use is a pay card * skylight * The company told me that they would send me an email within 48 hours of documentation of the outcome of my claim " atm withdrawal " however ; I have not received said information.

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 2017-07-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2015 my father, XXXX XXXX XXXX, fell ill. I went to his bank to take out some money for his medical bills, my name was also on the account, only to discover the money was gone. {$250000.00}! Spoke to a bank officer and was told they had flagged the account as possible elderly abuse. I informed the police that there had been fraud committed. They investigated and the caretaker was convicted of this crime. The bank 's fraud department said there was nothing they would do about it. My father had developed XXXX and was taken advantage of. I know the banks have insurance to cover these things. I have attached the bank statements to verify this, also the health proxy to my sister XXXX XXXX to prove he was not in his right mind, also a copy of the front page of newspaper showing what had occured. I can only hope that you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the XXXX invoice sent to this company and the company 's registered agent. If I don't receive a response, I will pursue this in court along with my exhibits.

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 2022-01-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: PA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation