BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
due to covid 19 I had called td bank to close my account back in XXXX of 2020 but there was some founds that was never deposited in my account. I was advised not to worry that they were going to fix it and take care of the situation. this went on for months and kept getting charged all kinds of fees. I finally got a hold of a lady that realized what was going on and she finally got me to the right person and they closed the account. but went I asked them to refund me for all the charges I accrud due to there mistake they told me they could only go back two months. If I did that to td I would have the fib at my door.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX/XXXX/15 I paid my Macy 's credit card in person - some cash plus a check for {$1000.00}. In the past they 've always handed back my endorsed check, because it is processed as an electronic payment. This time the clerk kept the check - and a few days later, when my debit card was denied for insufficient funds, I found out that my checking account had been charged twice, once electronically and once as a check. But only {$1000.00} had been posted to my Macy 's account. After several phone calls and faxes, Macy 's " resolved '' this by treating it as a refund of an excess payment - in other words, they put the {$1000.00} back into my checking account but charged it to my Macy 's card!!! More faxes and phone calls ... .. More runarounds. Except for a letter on XX/XX/XXXX that was posted on-line ( never mailed to me! ) telling me my dispute was being looked into, I have NEVER HEARD FROM MACY 'S. Not when I had first put in the dispute and did n't give them all the info they needed - nope, they just quietly closed the dispute without bothering to tell me - just ignored me. Not when I had been promised calls back by a supervisor - no call back. When I call Macy 's one can not speak to anyone who has my correspondence in front of them - only the " back office '' has the actual correspondence, and the people on the phone only have the ( half-baked ) notes from the back office, so there 's no way to " confront my accuser '' or at least force them to explain what it is they do n't understand. Sometimes I could n't tell if the person I was speaking to was stupid, or just assumed I was stupid ( sure, I stupidly, mistakenly thought my {$1000.00} was missing ) - or maybe that I was making the whole story up. Oh, and to top things off, the website has a feature allowing you to send a message - but the feature is broken - you ca n't send a message!! Even alphanumeric characters give back an error message about " special characters '' that are n't allowed!!

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 2017-10-12
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid the balance of my Citi Diamond Preferred card in full. The payment was made through the Citi online portal. The representation was that my balance had been paid in full indicated by choosing the " Pay your entire balance '' & " {$0.00} owed ''. As well, my balance available for purchase after my payment was the full amount of my credit line. I have not used my card since paying the balance in full. 
On XX/XX/XXXX Citi Card charged additional interest fees, presumably the finance charge from the previous month. On, XX/XX/XXXX Citi notified me that I was delinquent on my payment. Upon contacting Citi I was informed that 2 late fees were assessed on top of the interest charge from XXXX. I spent over 1 hour being transferred back and forth between departments who could not explain the charges to me plainly. I was told that Citi could not tell me how the entire balance represented on the account had been calculated and that they would not be able to remove any of the late fees. We settled on a nominal balance that represented double the interest charged originally. I still did not receive a clear explanation of what this amount consisted of.
I understand that I am responsible for paying the interest for purchases that I made however, I feel that I have been unfairly charged late fees, as well as unknowingly causing potential harm to my credit to benefit the bottom line of a muti-billion dollar bank.
The process of paying a nominal ( under {$20.00} ) interest fee was exhausting and in my opinion completely unnecessary. I feel that Citi purposefully designs their customer service lines of communication to deliberately frustrate and confuse their customers so they will relent and pay erroneous and exorbitant charges.

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 2016-08-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered a bag of smoothie mix from a company, received it, this went fine. A month later they sent me another that I had not ordered. I contacted them and simply asked that they discontinue sending me more. They agreed. A month later they sent me a third bag. I told them that I would not pay for this, so they requested that I return the product. I sent it back to them and they did not refund my money. I contacted them asking about it but did not receive a reply. I then submitted a dispute with XXXX including the return shipping information and XXXX rejected my dispute. a ) I was repeatedly wrongly charged, b ) the seller has taken both the money AND the product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was repeatedly mailed promotions to open a Citi Gold Checking Acct and receive XXXX XXXX XXXX Miles. On XXXX XXXX, 2015 I open the account using promo XXXX. 
I was required to spend {$1000.00} in 60 days using there debit card and XXXX qualifying bill payments for XXXX consecutive months. ( All of which I did!! ). The fine print also says " the miles will be posted within 90 days of the end of the statement period in which you complete all offer requirements. '' It has been well over 90 days and I still have not received the miles. I have called Citi numerous times and have numerous investigations to clear this up, but I still have not even received XXXX correspondence from citi. In the mean time I am being charged $ XXXX/month checking account fee. I have XXXX all documentation including the original mail offer with my name on it. 
I have done all the required actions I was asked to do to qualify yet Citi still will not grant me the miles. I want Citi to credit the miles to my AA acct.

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: 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, 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 2015-10-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XX/XX/XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

XXXX XXXX XXXX. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by XXXX XXXX to the account to bring the account current. 

XXXX XXXX then proceeded threaten to suit me and finally file a law suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
American Express sends me emails and offer letters offering a XXXX XXXX credit card. They do this several times a year. I decided to apply. I have a credit score of XXXX XXXX depending on which agency is reporting. I made over XXXX a year, own a home, have rental properties and a solid job of 10 years. 
They denied me instantly and when I called to find out what happened XXXX the emailed me a rejection letter ) I was routed to a call center in XXXX. I could barely understand the people I spoke with and no one could tell my why I would be declined. I asked to speak to someone in the USA. But when I did they told me I had to deal with the XXXX Call center. When I told the supervisor they were not able give me any explanation. I was told that there was no one else to speak with. I asked to be put in touch with American Express HQ here in the USA and was refused. I can not believe " American '' Express has no one in the USA that can deal with this type of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
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: Old information reappears or never goes away

Complaint:
There is an account with XXXX XXXX XXXX that is now closed. The account was open in XX/XX/XXXX but it says XX/XX/XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I was given an American Express gift card at my retirement luncheon. The gift card was inside a greeting card envelope and somehow, I believe it fell out of the envelope as we were leaving the restaurant. I called the restaurant and they reported an unsuccessful search of the dining area and outside on the street. I also called the local police in case someone found the card. I immediately called American Express ( Classic Card ) services and they told me to get a copy of the receipt. I got a copy of the receipt and faxed it to the number they gave me. They took about a week, and I received a " reference number '' along with a response : " Based upon the information you provided, we are unable to locate a valid Gift Card number ''. I called American Express again and was told to contact the seller ( XXXX ), and they provided me with the last XXXX digits of the card ( which was already available on the receipt ). American Express provided additional steps that I should take : Contact XXXX and request a " PROXY # or SERIAL # '' from the XXXX store journal. I made another call to XXXX and was told that I would have to talk store security. Security was very nice, but denied me the information unless I went to my local Police Department and had someone make " official '' contact. My local Police Officer was very nice and tried to cooperate with XXXX, but ended up with NO additional information, only the last XXXX digits again. Another call to American Express and the shared their regrets and said I was at the end of the search ... they could not help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've been receiving calls from Transworld about a supposed student loan in default for several months now. As far as I know, I do not have any student loans left and wanted to know more information about the origin of this debt. The amount they are collecting for is also close to the amount of the remaining balance of a student loan that was paid in full in the fall. I requested a letter be sent to me in the mail with this info so I could check it against my records. 

I received nothing in the mail and several weeks later Transworld began calling me again. When I called them back, they said they had no record of my phone number in their system and so they had no idea why they would be calling me unless I could give them an account number, which I could n't, as I still have n't received anything in the mail from them. I was finally able to answer a call from Transworld and the agent told me the reason they could n't find my phone number before was because the other agents I spoke to were n't authorized to talk to someone in my state. For the 2nd time I requested the loan info be mailed to me. This was on XXXX XXXX. 

On XXXX I began receiving phone calls from Transworld again. I still had not received anything in the mail from them. I finally did receive something today, but it is just a generic letter informing me of ways to resolve the debt, nothing about disputing it or the debt itself ( amount owed, etc. ). 

I called Transworld today, XXXX, to request, for the 3rd time, info on the loan. I explained and asked for the letter to be sent at the beginning of the call. At first the agent tried to dissuade me from requesting the letter. I told her that I know it is my right to receive that info and she became belligerent with me. She asked what kind of info I wanted and I said, " anything you have, like the origin, amounts, who it was paid to. '' She gave me some info and some of it matched the previously mentioned paid off student loan but some did n't so I asserted again that I wanted a letter in the mail with this info, so I can figure out what is going on. She tried to continue to argue with me until I reminded her, again, that by law they have to provide me with this info or stop calling me, and that this is the 3rd time I 've had to request that info. She finally relented, verified my address, and ended the call. 

I would like to figure out what is going on with this debt and resolve the situation but so far Transworld has sent me XXXX info, yet persists in calling me to collect. The last agent I spoke to was unprofessional and belligerent when I tried to assert my rights. It was also unprofessional of Transworld to not be able to look up my phone number when I called them so that XXXX of their employees literally told me they had no idea why Transworld would be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I became behind on my XXXX XXXX XXXX when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint # XXXX on XXXX/XXXX/15 about my deed in lieu with the Bank of America. I received a letter dated XXXX XXXX, 2015 from the Bank of America stating that an approval was granted for the {$2000.00} which was mailed out. On, XXXX XXXX, 2015 I received an email from XXXX XXXX that they needed a XXXX completed. I completed it on XXXX XXXX, 2015 and emailed it back. On, XXXX XXXX, 2015, I received an email XXXX that Bank of America is unable to assist with my request of the whereabouts of the {$2000.00} check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, 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 2016-08-15
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received an alert that a credit inquiry was done by CBNA XXXX XXXX XXXX XXXX, SD from XXXX on XXXX XXXX 2016. I did not request this inquiry and I would like to know who requested it from CBNA?

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 2017-10-12
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 fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I placed credit freezes with all the bureaus, as a protection in the wake of the XXXX breach. I was able to place free freezes with the other bureaus, but Transunion made me input a credit card number and then charged me {$3.00}. I later looked up their fee chart ( https : //www.transunion.comXXXXXXXX ) and saw it should have been free, since I live in New York . The address they have on file plus my credit card billing address are for my current New York address.
I spent about a half hour on the phone until someone told me that I was charged the rate for a Georgia resident. I have not lived in Georgia since XX/XX/XXXX. I have no idea why I 'm responsible for paying for their incorrect information, which I never consented to them having in the first place. No one on the phone had any idea how to refund me. They just bounced me to other clueless reps.
In the course of the calls, I was told to call another number, which I did, and it sounded remarkably like a scam. The rep 's first question was for my full social security number, which I refused to give him and hung up.
I understand the {$3.00} I was billed is a tremendously insignificant sum in the grand scheme of Transunion 's decades of unethical XXXX, but it 's still unjust and I want to do anything in my power to never give these extortionists any of my money. So I 'd like the {$3.00} they stole from me on the justification of their own incompetence back.
Thanks for any help.

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 2016-06-03
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Rewards

Complaint:
I was unhappy with the service provided by my credit card company. As a result, I cancelled the card. Immediately after, the company prevented me from using " thank you points '' that had been acrued on the account. Repeated calls were unable to rectify the situation. 

Company : ATT Universal Card CITI

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