BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: Westcreek Financial
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have fraudulent information on my credit reports

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 2022-05-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Did not deal with the hard inquiries on my credit report I don't have knowledge of or recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I went to Bank of America, XXXX XXXX, California branch to open a bank account for my business. In the middle of the opening the account, the business banker whose name is XXXX XXXX asked me whether I need a credit card for my business. I asked him whether this might cost anything or harm anything, he said no. I said that's fine, even though I did not actually need such a credit card. 

Later I found out that he hard pulled my personal credit to open this business credit card for his commission or performance purposes. He did not 1 ) informed me anything about this credit run ; no notice at all ; 2 ) he did not pull business credit first. I would not give permission to have Bank of America run my personal credit if I knew this was a condition to get a credit card. I did not need this credit card at all in the very beginning.

I found this out because I am in the middle of closing an escrow for an investment property, and the loan company found that there was a credit inquiry on my records, and they wanted to delay the closing because of it. The locked rate is about to expire, and the new rate would be much higher than the locked rate. 

I am seeking damages from Bank of America. 

This branch turned out to take advantage of ignorant new immigrants as a common practice; tricked new immigrants who were not familiar with compliance laws at all to open credit card without acknowledging them about the credit hard pull. 

In addition, the BOA banker XXXX XXXX sent harassing languages to me by messaging.

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 2016-01-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX XXXX I received a notice from a collection agency that Citi Bank sent us to the collection agency. I called Citi Bank because I made a payment every month. Well In XXXX of this year we switched internet providers. Citi Bank was sending e statements ( which I never signed up for ) so because of the switch I was n't receiving statements anymore. The minimum payment was around {$120.00} and I always sent {$130.00} to $ XXXX monthly. We have not used this card except for XXXX which was about {$10.00} a month. So my payment should have went down with the payment I was making. Well when I talked to them after receiving the collection agency notice they told me it is not there responsibility to send out a statement. I said the email they were sending it to was no longer a valid email and he said it does n't matter. I also asked why no one called. You would think if you have a good customer who makes payments on time every month that you would at least make a phone call. Again they said it is not there responsibility. Again I take some responsibility but I never used the card since like XXXX and I know with the payments I was making that I still had a year or so till it would have been paid off. They were not helpful at all. I have flawless credit and now my credit report is showing that I have not made any payment since XXXX of XXXX. As you can see I made the payment every month. I also asked for all the statements for XXXX. When I received them they have been charging me for Payment Safeguard which again I never signed up for. How can they charge people for services that they never signed up for. So now that my minimum due is more than I was sending every month they charged me a late fee from XXXX XXXX to XXXX XXXX. When I called the collection agency they told me that my payment due is now almost {$900.00}. They also told me that Citi Bank reduced our credit line so now they are charging me for an over the credit line fee. I again never received a notice that they are lowering this. The only mailing I received in XXXX was the notice from the collection agency. I have attached the statements from Citi Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX TX XXXX appears on my credit report. I have never lived at this address. This a fraudulent address that needs to be removed 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 2022-05-14
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022 Amount Owed : XXXX Truist Bank XXXX I'm having trouble paying my mortgage due to the covid-19. I am also XXXX but I still work XXXX  XXXX XXXX XXXX. I do not want to lose my home in Texas Homeowner Assistance Fund Program and they are not returning my phone call. XXXX. I did what I was supposed to do when it was time to apply for the funding in this been 3 months and nothing ( Texas Homeowner Assistance Fund Program-Covid-19-Case:XXXX ). 
Be safe and Be Blessed, 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 2021-11-18
Company: Self Financial Inc.
State: NY
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 just recently tried to download a app & the app was to build credit. Its called Self. Now I downloaded this because I can not for some odd reason download or sign up for XXXX  wont allow me. So I figured I try out Self and tried to be responsible to build my credit as they say credit scores are pretty important. 

Theres apparently information that popped up when I typed in my last 4 SS # s. It states that in 2019 I took out a mortgage claim. Ironically I got a phone call around that time stating some bizarre claims but one of them was that my information has been compromised and it was some sort of bureau agency reaching out to me that if I dont state if it was me or not Im liable to charges or some sorts. I thought it was a all a prank call or some scammers but the odd part was they legitimately did have some sorts of my information which had me debating the legitimacy in all this. I ignored what they was saying after a while and believed it to be people doing fraudulent activities which I wanted no part in so I hung up. Now Im seeing theres a mortgage claim around the same time I got that weird phone call. And it says a different number hooked up to the account which isnt mine. I had the same phone number for about 20 years now maybe lol. No way its a mistake. None of that information is me is this why I cant open a XXXX account or a XXXX card? Help I need to start building credit asap not tomorrow like yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On  XXXX   XXXX ,  2017 I did  a balance transfer of  XXXX . I called american express and was told that counted towards my payment for  XXXX   XXXX . Ion  XXXX   XXXX ,  2017 I ca lled them to make my  XXXX   XXXX  payment. I was told I could use my blue rewards cash rewards as part of my payment, so I did this and made an additional  XXXX  payment. On  XXXX   XXXX ,    2017 I g et a call saying I am late with my payment. I set it up to come out on  XXXX   XXXX . Then I looked up my account and remembered I made my payment, so I called back and was then told my balance transfer and my blue rewards did not count as a payment.his is completely wro ng 4  people told  me four diffe rrrnt thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my PayPal account is now permanently limited. Help me restore my PayPal account. I don't know why it was limited. Help me restore sir. Thanks a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX TX XXXX appears on my credit report. I have never lived at this address. This a fraudulent address that needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: BAM Management US Holdings Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Wednesday XX/XX/2022 I requested a withdrawl from my Binance.US account which is a FDIC backed account. 

The withdrawl was in the amou of {$4900.00} in USD and was fully owned by my account. 

When I withdrew the amount I went through the verification process of XXXX Authenticator and then was told I would receive an email from XXXX XXXX XXXX  to verify the transaction as well. 

The email was not received so I put in a smaller withdrawl in the amount of $ XXXX and the email did come and I have received that in my account. 

The company said that I needed to whitelist the emails Associated with them when they responded to my help desk ticket on XX/XX/2022. 

So I did that ( as instructed ) and still received no email link to click for my {$4900.00} withdrawl. 

The more interesting part is that the {$50.00} transaction verification was fine but the larger amount was not. 

I am in need of my {$4900.00} and have contacted them daily to attempt to resolve this with no response after their initial email. 

This is also concerning the this is a US Entity that is claiming to back funds by FDIC yet they can't produce the funds for withdrawl. 

Therefore, they may not have the liquidity to cover larger withdrawls which I would say could be a violation of many Treasury bank charter statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: DISCOVER BANK
State: CT
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:
Hello, as I continue to research my rights, I find Ive been exploited and taken advantage of by various companies. The company I am seeking relief from is Discover Bank. I opened a secured credit card XX/XX/21 with this company. A secured credit card is permissible by me providing the amount of credit allotted to me. I had supplied the {$500.00} for the {$500.00} line of credit I received. Long story short, I came upon financial hardship especially due to COVID 19 and how it affected my working hours. I missed some payments and Discover Bank closed my account due to this XX/XX/21 and also is attempting to collect {$670.00} from me per my consumer report which may be false as I havent received any statement from Discover Bank. All in all, how am I being charged anything when I gave the initial {$500.00} of credit in addition to my open end credit card aka my social security number. This company has received their payment and they are trying to take advantage of me and get more payment for money theyve already received. Also closing my account due to me having difficulty paying on the account due to COVID 19 and negatively impacting my credit score when again this company is not in any deficit with my account. This is not right and now I am seeking a just remedy to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CITIBANK, N.A.
State: NE
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XX/XX/2016, I made a {$420.00} payment. This would have left me with {$560.00} credit available to use on this card. I planned on using this card or about $ XXXX of it for a trip we are taking. On XXXX, after my payment posted of course, I get an automated phone call stating that they have now decreased my credit limit {$500.00} leaving me on {$69.00} available credit. When I called, they stated that all my payments to them have been on time but tried saying that I 've been paying late on other credit cards I have. That is NOT TRUE. I have NOT missed any payments, in fact since I 've gotten ALL my credit cards, I have paid early in fact. It 's just strange that I 've had this card for a while now and have been making payments twice a month to it and then all of a sudden after a bigger payment, they just drop me. I lost XXXX and a trip with that happening and they were just awful to talk to on the phone. The reason I paid so much is that this is a cash back card and I was trying to earn extra money by paying off a chunk then using it again and so on. It 's almost like they did n't want to have to pay that cash back so why not just drop them down so that they ca n't earn anymore. I now learned do n't trust your credit cards and just use your bank account or cash anymore. I wo n't ever be paying that large of an amount unless I 'm paying off the card to close the account. This is horrible as I have been a great customer paying every 2 weeks on this almost since the day I got 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 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX  has placed a judgement against me for back rent on a apartment I rented from them. I was watching my brothers licensed emotional support dog when I had false accusations that she was a Pit bull and I was told i can not have the breed or a dog in the apartment unless I paid a shake down fee of {$1000.00}, I showed proof that the dog was a XXXX XXXX XXXX and that I was watching her temporarily due to my brother being in the hospital with a XXXX XXXX ( he passed ) I was threatened to get out unless I paid this {$1000.00} and I have all the emails tell them where I was harassed, threatened to just leave. All because I was watching a dog for a couple of weeks. I was scared and felt unsafe. After the last threatening email I left. I never received OR SIGNED anything that showed this. I left the place spotless as well. This company is a fraud and have done this to many many people. Unless they can produce a signed dated notarized affidavit from me that I was made aware of what they are saying then by law this MUST be removed from my credit. I have all the emails saved tell them and I have an attorney. 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 non-monetary relief
Consumer complaint received 2021-11-18
Company: JPMORGAN CHASE & CO.
State: GA
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:
I have a problem with chase and XXXX XXXX XXXX right now I made a payment arrangement for the date XX/XX/XXXX and it was approved from XXXX XXXX XXXX confirmation # XXXX for XXXX was confirmed and drafted and then refunded XXXX days later due to chase from what XXXX XXXX XXXX said. Then XX/XX/XXXX after i found out the payment failed i paid through the app again with the confirmation # XXXX for XXXX and this one went through. The second split payment for XXXX i paid and was given a confirmation # XXXX on XX/XX/XXXX then i was once again called on theXX/XX/XXXX sayin it once again failed when i have money in my account. After this i called and i talked to XXXX from XXXX XXXX on the XX/XX/XXXX and she said the there was no declines in the account which was the second suspicious thing from this then thirdly I was called this morningXX/XX/XXXXby XXXX & XXXX and they asked if I could pay and i told them im not making another payment until I find out what is going on with my account and said I was making a complaint to the consumer finance division. She then said that the payment was coming from an account that was closed 3 months ago, when i look in the app underneath payment methods the only payment method was my Chase business card ending in XXXX. I just want to know what it going on with my account and my money and where it is at..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Sir/Ma'am, Good day! 
This is with regards on my account in paypal. I have online transaction and they put on hold the payment. They decided to put permanently limited my account and can no longer use it anymore. 

I believe that it was a mistake to put on permanent limitations my account without disclosing the reason why. I am using my paypal account for my online business last XX/XX/2022 under my paypal account XXXX has stucked funds in it that i have to withdrawn asap for emergency purposes. I am hoping that i will get back my account and lifted the said limitations and also able to transact business with paypal without any limitations. 

Hope that this complaint will merit their kind approval for the said matter. 

For identity verification, I attached my valid ID and the screenshot of my paypal account transaction for your reference. 

Thank you and God bless. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is my with American express credit card. Last year in the month of XXXX to XXXX american express said they are giving {$150.00} cash back up on upgrading card. As I having travelling plans, I have cancelled the card. From last year none of them from american express contact me on this. Out of no where now they are asking me to pay {$150.00} -for STATEMENT CREDIT RESEVERAL. All the these transactions has happened with knowledge of american express customer service, they have cancelled it. but now they are asking to pay money. I have contacted American express Customer service I do not see any positive reply from them. In current Billing statement they have included {$150.00}. 

Request you to order them to not to collect {$150.00} from me.

Company response to consumer: Closed with explanation