BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I made a {$160.00} payment at Macy 's store for a credit card bill that was erroneously applied to my in store account.I called customer service and the amount was transferred to my credit card balance. I received a check dated XXXX/XXXX/XXXX for the amount of {$160.00}. I knew it was another error on their part so that check was never deposited on my part. On XXXX 2016, I found out I was billed {$160.00} for in store balance, so I called customer service and I was assured their error would be corrected, and my in store balance would be {$0.00} as it should have been in the first place. On XXXX XXXX, I checked if they kept their word, now my balance is {$180.00}, which was {$160.00} plus interest for " late payment. '' I have to call again, and a male customer service without saying anything just put me on hold. I have been on hold for the past XXXX minutes now.

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 2022-07-23
Company: EQUIFAX, 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:
I HAVE BEEN SUBMITTING REQUESTS TO THE BUREAUS FOR THE LAST 7 MONTHS so since XXXX of 2021. THERE is an issue WITH XXXX XXXX - IT'S REPORTED ILLEGALLY - IT'S reported as A CLOSED CHARGE OFF ACCOUNT by XXXX and equifax. 

EQUIFAX REPORTS with XXXX XXXX as CURRENT with current activity and again it's closed marked as a charge off. They report POSITIVE payments and a current DATE LAST of ACTIVE, WHICH IS NOT ACCURATE OR POSSIBLE. This is illegally re-aged to my understanding XXXX REMOVED this account IMMEDIATELY. 

XXXX based off of what I see has never investigated this. Under date last reported it suggests they have never looked into this. Each bureau reports a different date of last activity as well. If this had been verified then that wouldn't appear liek that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Other

Complaint:
I have a outstanding amount showing on my credit report in the amount of {$1200.00} and not receiving a bill. Please investigate. 

Thanks!

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 2016-12-22
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Granted, my credit profile may not have been eligible to carry my Sallie Mae loan independently, however, my co-signer has an impeccable credit rating and I was turned down. 
This needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Cash Net USA keeps increasing my payment and drafting it out of my bank account on the wrong days. How did my payment go from {$200.00} to {$300.00} in 1 week?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: CITIBANK, N.A.
State: DC
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
To Whom It May Concern : I had a short-term cash advance to cover any overdraft my account could incur. I finisehd paying it the month of XXXX, 2015, but I have been unsuccessful to stop Citibank from charging my bank account since XXXX 2015, after having stopped at the bank XXXX times. 
I would really appreciate to bring this issue to their attention since I do not have the time to stop by the bank a XXXX time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My Coinbase Pro account was compromised on XX/XX/2021 when my cell phone number was given away and activated on another device not in my possession @ XXXX PM ( Thank you XXXX ) and the thief was able to conduct a password recovery process with my email via SMS ( also on the XXXX of XXXX ). Once my email was hacked they were able to initiate a password recovery process to my Coinbase XXXX account. They converted some of my current Crypto currency investments back to USD and then converted to XXXX ( XXXX ) before transferring out and off of the Coinbase exchange. Also, while in my account they initiated a withdrawal from my cash account ( local bank ) and via Coinbase policy, they were permitted to instantly convert or trade the cash equivalent of {$1000.00} instantly without having to wait for the transfer to finish. Upon recognizing the breach on XX/XX/XXXX, I successfully placed a stop payment on that transfer with my local bank. Now, Coinbase wants me to cover the funds they allowed to transfer off of their platform and hold me liable. Essentially I'm being asked to fund the criminal activity so the exchange doesn't lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I recently received a copy of my credit report. The credit report showed a credit inquiry by Best Buy that they do not recall authorizing. I understand that Best Buy should n't be allowed to put an inquiry on my file unless I have authorized it. when I called credit Bureaus companies ( XXXX, XXXX & XXXX ), they refused to dispute this inquiry and they said to me to call Best Buy to remove it. when Best Buy called, they refused to remove and they asked me to call credit Bureaus companies and dispute it. I asked Best Buy what reason that Best Buy wanted to my credit file. They replied that we do n't have any information or record why we wanted to your credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
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 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 2022-04-19
Company: EQUIFAX, INC.
State: OH
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 Account name XXXX XXXX XXXX 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 connot furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
For the third time, I received an offer from Capital One for a Quicksilver credit card. The offers each came with a reservation # and an access code. With each offer, an enclosure outlining Capital One 's application terms was included. The application terms specified a 0 % introductory APR for the first 15 months, then the APR adjusts to 14.99 % based on creditworthiness ( based on the Prime Rate ). When commencing the application process online, I noticed after entering the reservation # and access code, the interest rate after the 15 month introductory period was listed as 15.24 %, not the advertised 14.99 %. Also other fees and rates were higher than those listed in the enclosure. When noticing the higher rates online, I immediately stopped the application process, closed my browser, and placed a phone call to Capital One. After being transferred to an account supervisor, she advised me the enclosure containing Capital One 's application terms was " probably a misprint '' as she couldn't get me the advertised rates and fees. I told her that it was highly unlikely that three separate mailings would contain offers that were misprints. This phone call took place yesterday, XX/XX/2022. While the expiration date for this offer is XX/XX/2022, the reservation # and access code is available upon request. Lastly, my credit score as of XX/XX/2022 is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been banking with SunTrust for over 30 years. My now XXXX husband and I opened an account for my son when he was a minor, with my husband and my name also on the account. My son is now XXXX years old and a college student at XXXX. My son 's student account was hacked and someone obtained his personal data. They used that data to make XXXX mobile deposits into my son 's account, then called his cell phone and told him they mistakenly deposited money into my son 's account and threatened to report him to the police if he did not wire the money to them immediately. My son panicked and went to the nearest SunTrust bank in XXXX, VA and withdrew {$3500.00}, and then went to an ATM to withdraw another {$1500.00}. He then wired the money to this person through XXXX XXXX. The mobile deposits were bogus and later were returned, leaving a negative {$5000.00} balance on my son 's SunTrust bank account. If SunTrust had followed basic security procedures, this fraud could have been prevented. If SunTrust had looked at the endorsements on the back of the bogus deposits, they would have seen that the endorsements did not match my son 's signature. Also, SunTrust should have never allowed my son to withdraw money from funds that had not cleared the bank yet. Since my name was still on my son 's account, SunTrust has demanded that I pay them the {$5000.00} back and have already taken {$1300.00} of that amount out of a Savings Account I had with them.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accounts listed below I have been disputing for months now and they still haven't been removed. XXXX and transunion has ignored my request to for several months to remove this inaccurate, un verifiable fraudulent identity theft accounts from my report. they have not sent me signed contracts to verify that these are mine. it had been for that 45 days with no proof I own these. please enforce the laws on transunion and XXXX to remove these. 


XXXX account XXXX XXXX XXXX LLC ( original creditor XXXX XXXX XXXX Account 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 2018-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX, XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: DISCOVER BANK
State: NY
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 wrote to Discover Financial Services on XX/XX/XXXX via certified mail, after noticing that they were reporting details about my account that are not permitted under the law. 

15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s 3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Rather than complying with the law, and without warning, Discover Financial Services decided to close my account in a letter dated XX/XX/XXXX. 

This adverse action is a violation of the Equal Credit Opportunity Act. Notably, discrimination based on " The applicant 's exercise in good faith, of any right under the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank put froze my checking account after I deposited {$25000.00} in inheritance money. In total, they are holding over {$26000.00} hostage which includes my monthly social security payment. Chase asked me to tell the executor of the trust who issued the check for $ XXXX t to go to a Chase bank branch and show two forms of ID. The executor is traveling now and he can not go to a Chase bank. In the meantime, all scheduled electronic payments are getting declined because Chase won't remove the restrictions from my checking account. Please help! 

Thanks in advance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it may concern, I am trying to simply access my credit report online from TransUnion. I have called several times and have spoken to several individuals to resolve the issue and my account is still locked! I have verified my identity and have sent in all documentation as requested. It has been months and I still do not have access to my account. I simply want to sign into my account. Again I have verified my identity to several representatives by answering security questions and have sent in my ID etc. I continue to get the run around and to get transferred to another department. I want this to be resolved expeditiously!

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 2022-07-23
Company: Early Warning Services, LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Was scammed out of {$400.00} through Zelle through my bank XXXX. {$250.00} on XX/XX/XXXX and {$150.00} on XX/XX/2022. Didn't realize it was a scam until they asked for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
Dept Of EducationXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX 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 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 2022-04-19
Company: Experian Information Solutions Inc.
State: TX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address have 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 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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2021-01-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Madam/Sir, Hi, In XXXX XXXX, I sent {$300.00} CAD to Mr. XXXX XXXX XXXX [ I forwarded the verification ], but this amount was sent to another person, whose name is XXXX XXXX [ You can find the picture in the attachment. ] I have no idea who he is, and how this amount sent to him?! So it shouldn't be my fault because I did not use any e-Mail addresses. I just used Mr. XXXX 's phone number in order to send money. Money was sent to another person, whom I don't know, and PayPal is responsible about this problem. That person might be PayPal user [ I even sent him an e-Mail, but he did not respond me ], so you can find him by transition ID or his information in your data bank. Please help me to refund money. It's {$250.00} and I can not afford to send it again because of the mistake I never made. 

Thank you. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation