BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: NC
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:
This is in regards to billing dispute reference number XXXX at Citi. The details captured by Citi regarding the dispute are inaccurate, leading to an incorrect decision. I called on two separate occasions to clarify the events that led to this dispute, and it was still captured by Citi Disputes department incorrectly. I also submitted an executive complaint yesterday regarding this matter. 

The dispute was NOT a duplicate charge as stated by Citi. On XX/XX/XXXX, I received the text message attached and titled " text message XXXX '' asking if I attempted the purchase that I am disputing. I replied " 1 '' to indicate that it was me. Citi declined the transaction and advised me to retry. Not only did I receive this text message, but I also called Citi later on the evening of XX/XX/23 to ensure that repurchasing the tickets was the correct thing to do. I was advised to repurchase the tickets by the agent. So, I did. Several days later, I noticed that the original transaction had actually gone through, even though Citi had advised that it was declined. This is the nature of my dispute. I have been charged for two sets of three concert tickets. I received both sets of three. However, I only intended to purchase one set of three. 

Now, I have explained this scenario to Citi a minimum of 4 different times. I have also tried to call XXXX XXXX as advised by Citi. XXXX XXXX advised that they were going to put in a request to refund the money to be resolved within three business days, and I never received a resolution. When I tried to call them back, I could not get through to an agent, because my concert was not that night. The amount of time and effort I have already spent on trying to make this right is way too much. This is either 1 ) Citi 's fault for telling me that they declined a purchase that was actually approved or 2 XXXX XXXX XXXX 's fault for re-submitting a purchase that was declined by Citi. This charge is NOT my responsibility. 

Given that the concert is Saturday ( in 3 days ), and I am just now learning of this outcome, I have attempted to sell this set of tickets. I listed for higher than my purchase price, and have sold two tickets. However, due to XXXX XXXX fees, I will be receiving less per ticket than I actually paid per ticket. The amount I expect to net on the sale is between {$1000.00} and {$1100.00}, although it still has not hit my bank account yet. I would like for Citi to credit me for the difference due to the gross mishandling of this dispute ( total amount of the dispute is over {$2100.00} ). Then, they can take this matter up further with XXXX XXXX as they desire.

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 2023-05-31
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Please make all correspondence in writing. Phone calls will not be permitted in this legal matter. 

On XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX XXXX XXXX dba TD BANK GROUP AND/OR TD BANK N.A . AND/OR TD AUTO FINANCE. 

Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank and/or sold over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. 

On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXXPrincipal gave first notice along with POWER OF ATTORNEY instructing CFO XXXX XXXX  XXXX XXXX that I accept all Titles XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( Payoff sheet ) offered to me. 

I have given XXXX XXXX XXXX XXXX business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff. I was then met with a dishonorable bill in the mail after I've already paid the bill according to Federal Reserve Act Section 16 and the Bills of Exchange Act. 

Since then I have sent out 3 notices ( 3 tiers ) totaling nearly 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have them assessed before I moved forward. 

They're in Breach of Contract for inferior performance of their fiduciary duties. At this point they're in the know ; of this breach and I would consider their actions to be scienter. 

The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the federal reserve notes and am being extorted for extra monthly payments and interest on top of what I have already gave them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a XXXX XXXX  customer who over this last weekend had their account shifted over to US Bank due to the merger. When I finally set up my US Bank portal, I noticed money missing from my account. After researching, I discovered at least 5, possibly more, duplicate pending charges. Contacted the US Bank customer service and was told that they were aware of the issue, but it's " not their fault '' and it's going to be resolved by the end of the business day. The customer service insisted that the five completely different charges by five different companies were doubled during the transition due to an error on the five different companies end. They said that there was nothing US Bank could do as it wasn't their fault, but somehow it would be resolved by end of business day today. If it's not US Bank 's fault, how can US Bank claim that it will be fixed by the end of the day? I don't appreciate being lied to and currently have a bank account that is overdrawn because of this problem. Waiting until the end of the business day is not an acceptable solution when I have bills to pay!

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 2023-05-31
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was using my discover card and all of a said they decided to restrict my usage and zeroed my card out and closed my account. I had my card stolen and they did nothing to help me out. They want me to pay the balance and I can't use the card. They also lied to me about the interest rate and some other things on the card. I believe that I should not have to pay them as they falsely advertised certain deals on the card. I would like to not have to pay them with all of the intersts that is owed. I just disputed fraudulant charges on my account and discoer did not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I received a pre-qualified offer for Citi AAdvantage Platinum Select Credit Card. 
Since I fly on the XXXX XXXX often and the card presented appealing benefits on par with some of my other cards, I decided to apply. 

On XX/XX/XXXX, I received a denial letter with the reason stating that my name came up as a match on a list administered by the US Treasury 's OFAC and that I am subject of sanctions. 

As an XXXX  who has lived in the United States for over 22 years, this caused a great deal of emotional distress as I had to call multiple federal agencies to confirm that I am not indeed on the OFAC nor that my name in anyway should have come up. 

I tried to call Citi to clarify this issue and was shifted between departments until ultimately the call was dropped. 

An accusation such as this is not only emotionally damning, but even any reference to this can negatively impact an XXXX  in the United States and the fact that the bank has no recourse for this is absolutely unacceptable.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 / Account number ; 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 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 XXXX 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 2023-05-31
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I started to receive emails claiming that I've joined XXXX XXXX  I did not ) and that I " added a debit card to my XXXX  account '' ( I did not ). Upon contacting the XXXX, no useful response was provided. Shortly thereafter, I started to receive emails that payments are being made from the XXXX account ( which, again, I never agreed to open nor did I authorize ANYTHING to do with XXXX  ). At this point it seems that XXXX and/or PayPay ( who owns XXXX XXXX have fradulently opened an account using my information and are allowing fraudulent transactions to proceed without any way for me to stop them ( without providing them with even more information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACIMA DIGITAL FKA SIMP XXXX XXXX {$1500.00} I just disputed this inquiry and below I will be attaching documents that I paid for this furniture by cash app in full At XXXX XXXX Yes I did buy and pay for furniture I only signed up for acima digital because I was told I had to do a credit application to get the items I ended up paying two payments a week apart of each other because I didnt want a lengthy process when paying for furniture in full I did create a credit account for Acima and put my payment information on file but didnt use the credit because I ended up going through the furniture store to make two payments to pay off the furniture I brought a recliner living set I paid {$1000.00} XX/XX/XXXX And another {$1000.00} XXXX XXXX Which means someone in the store charged me for services I didnt inquire and for an item I didnt receive So again my privacy has been violated Under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 This is identity theft because I didnt authorize my personal identity to a debt for items that I didnt obtain or receive I am filing an identity theft report with the ftc Because someone at the furniture store used my identity to obtain product from my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Account # XXXX To whom It XXXX concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CCS Financial Services, Inc.
State: CO
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:
We had an insurance policy with XXXX. That policy was cancelled XX/XX/XXXX. Since then we had moved and did not get XXXX 's letter until XX/XX/XXXX. At that point we were handling the payment with XXXX. XXXX informed us we needed to contact Credit Collection Services and advise them it was being handled directly with XXXX due to charges that needed adjusting. 

XXXX reversed the account given to Credit Collection Services and the account was paid. 

I am showing that Credit Collection Services received the file XX/XX/XXXX. This was during the time it was paid to XXXX. We were not notified that Credit Collection Services still had the account. 

XXXX advised the account was given to Credit Collection Services and they issued a letter stating " External Collections has successfully been stopped. '' This should have been the end of the process. 

XX/XX/XXXX we got involved in purchasing a new home and put our current home on the market. We are set to close on our new home in 2 weeks and have put down a non refundable {$20000.00} deposit with the builder. As of XX/XX/XXXX, Credit Collection Services had not reported to the credit bureaus stating the account was in collections. Had we have known we would have gotten XXXX and CCS involved to resolve the matter since it has been completed with XXXX. 

XXXX XXXX I got an alert that a new collection account was reported. This report was for the total amount ( {$660.00} ) that was paid to XXXX and CCS stated they have had the file since XX/XX/XXXX. Our policy did not expire until XX/XX/XXXX and we handled the credits and payments with XXXX. 

I immediately called Credit Collection Services and advised we did not have an account with them and it was handled by XXXX and the account closed with no record on the report. CCS advised they would need to investigate with XXXX. XXXX has spoken with CCS on the phone and told CCS they needed to remove the collection on our credit report. XXXX has also issued 2 letters asking CCS to remove the reporting immediately. 

We have called CCS daily since reporting and they say it will be handled on their timeframe. The misreporting is causing a {$20000.00} loss and a home for our family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Flexible Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Flex needs to update my XXXX credit report information because Ive made payments all this year but my XXXX credit report only shows XXXX payment and thats XX/XX/2023 payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX, Account Number XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U, S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Went to Cabelas. Was pressured into signing up for a rewards program. I asked many times to ensure it was not a credit card just rewards program. This was XX/XX/23. On XX/XX/23 I received a credit card. Reported to store manager XXXX who offered no assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Three months ago, our checking account with U.S. Bank was closed to due to fraudulent activity. They created a new account for us, but within 2 weeks, the exact same thing too place. Therefore, we decided to just transer our money to another bank. U.S. Bank has told us that in order to do so, we need to be issued a check for the new account, but we've been waiting 2 months and no check has been issued. We call the Fraud Dept. weekly and the same thing is being said - " We have no timeline of when to expect the check to be issued ''. We are two XXXX XXXX  people and all of our money exists in this account. We are forced to constantly use our credit cards, but those bills need to be paid and yet, we don't have access to our own money!! This situation is more than just frustrating, but it's causing us to receive notices from collection agencies because we don't have access to funds to pay our bills. Please please help us. We have a mortgage to pay and we are in a serious problem. We just want to be issued a check to move our funds out of U.S. Bank, 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 2023-05-31
Company: Advantage Credit, Inc.
State: CA
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 am trying to get a home and I have filed identity theft because there has been an abundance of inquires on my report. I can't get anything let alone I refuse to have my credit ran with all these inquires on it. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: DE
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:
My credit card was compromised on XX/XX/16 XXXX by XXXX. Citi gave me a new number and I continued to use this card. However, Citi has not credited all of these amounts. The statement that I received yesterday states that I owe {$3400.00} and I only purchased XXXX, leaving a balance not owed of {$3400.00} that I do NOT owe. I have continued to pay for my purchases since the original dates, but Citi either has not credited my account or gave the credit to someone else. After many calls and responses, Citi has not corrected my account. This includes 3 calls with my banker at 2 to 3 hours each. Two times this past year I was told that I didn't owe anything. I have read Citi 's response, but simple arithmetic says that all of my purchases have been paid and I still owe over XXXX XXXX dollars.

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 2023-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts where opened not by me. Ive tried disputing them with XXXX XXXX and that didnt work. Company claims it was accurate when it wasnt. I would like to see a copy of the id that was used to open these accounts

Company response to consumer: Closed with explanation