BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I had disputed an amount {$1300.00} with Bank of America because a vendor did not deliver the furniture for which I had already paid. On XX/XX/2019 Bank of America closed the claim stating that my dispute is improper because I signed the credit card receipt when I paid. I repeatedly told Bank of America that it was a deposit and not a signature for the receipt of the furniture. They did not allow me to submit any supporting documentation online. When I mailed the documents they said that they can not read it. I called the Vendor 's bank and they said that they will work with Bank of America but apparently Bank of America never submitted my supporting documents to the vendor 's bank. I called Bank of America 8 times but they refused to look at the evidence. When I complained to their customer service they called me saying that they will not allow me to submit any documentation online but provided no reason for it. There is no evidence of me receiving the furniture but Bank of America does not want to help. 

I am attaching the letter and supporting documents ( along with their detailed descriptions ) that I had sent to Bank of America when they refused my claim the first time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to this company IC systems @  XXXX  and verified with a person and manger  XXXX   XXXX  that the information that was on this account was not mine and agent advised me they are aware but I still have to pay. How am I responsible for something that is not mine that does n't have my information on it but is on my credit report. I have sent police report to show that i was truly a victim but they refused to assist. This is a debt  XXXX  that they are telling me im responsible due to the information being similar thats not legal

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Hi Team, I had a bad situation with citibank becoz i am holding citibank credit card I have done some purchases on behalf of my girl friend. She has already done payment to my credit card {$5000.00}. After 20 days The citibank has done reverse payment to same amount. I dont know why they have done this XXXX  activities with out inform to account holder. I was checking my account everyday but the unfortunately the reverse payment updated in the citibank systems taken more than 20days later i have got update stating that just owe to citibank {$5000.00}. I have given couple of complaints citibank but no one caring about my complaint finally they said ask the sender to do payment again to my credit card. 

Becoz of the unfair customerservice i have lost {$5000.00} Please help e here to get resolve this issue my card ending 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 explanation
Consumer complaint received 2015-10-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
CITIBANK FAILED TO ADEQUATELY RESPOND TO MY COMPLAINT AND REQUEST FOR ASSISTANCE AND RELIEF FROM CANCELLATION OF MY " HARDSHIP PROGRAM '' WITH THEM. 

I WANT TO RESCIND THE " HARDSHIP PROGRAM '' AGREEMENT BASED ON FRAUD, MISREPRESENTATION, AND DAMAGE FOR USORY AND UNFAIR BILLING PRACTICES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 initiated a dispute with Capital One within the terms of agreement. It was for an XX/XX/2019 purchase which posted on XX/XX/2019 for {$97.00}. The merchant was XXXX. XXXX is a reseller of gift cards. 

XXXX XXXX XXXX ... XXXX {$97.00} XXXX, TX XXXX Purchased : Mon, XX/XX/2019 Posted : Tue, XX/XX/2019 Purchased By : XXXX XXXX Appears on statement as : XXXX XXXX XXXX TX XXXX Case Number XXXX I enclosed to Capital One multiple emails sent to the merchant requesting assistance, first because of a bad link to the gift card and second because the gift card code was an invalid, fake code. 

The company failed to respond to the emails. 

I also sent the actual ( fake ) gift card code that was provided to me. Capital One has the purchased product in their profession. 

A simple check with the retailer ( Kohls ) website or gift card department phone number would reveal that the gift card code was invalid. 

However Capital One never investigated this. 

The merchant provided an unsigned statement saying there was documentation that I used the gift card however failed to provide that supposed documentation. Furthermore the statement was unsigned and not attributed to any name or any title. 

Yet Capital One closed the case without any investigation and despite the overwhelming evidence I provided that proves the gift card was fake. 

This is one of several times Capital One has failed to properly investigate a dispute and instead just pushes papers which violates their own terms. 

Inclusively Capital One was provided with documentation that XXXX  has an F rating with the XXXX and has multiple complaints about it defrauding customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted on XXXX by I Q International. When I spoke with the rep he was very verbally abusive. He stated that I need to pay the amount in full and that they do not accept any type of payment arrangements. I told im i did not have the XXXX he then stated why was I calling him and wasting their time. However, I did not call them. He then stated they were going to negatively affect my credit. I decided to take a moment to calm down and call back on XXXX. When I got a rep on a phone I stated what happened the day before and that I had questions. He stated they do but they do not make payment arrangements. He advised me first I need to apply for a loan from a third party to pay them in full. He stated I need to do this with a co-signer because of my credit was bad. I personally do not think this was any of his business to ask me that kind of information. He then went on to state that if I was denied I need to send them that information and then they will talk about payment arrangements. I have never heard of a company that collects debt dealing the way they are and find it not right as well as abusive and intrusive to personal business that they should not be asking. They have degraded me and made me feel as if im am being bullied in to applying for a loan I know I can not get or a loan that is going to cost me well over what my normal debt is. I asked if they will provide any paper work stating I am making payments as i already know i will not be able to get as I do not have a co-signer or the credit score to  obtain such a loan. He then stated that they do not give any type of paper stating I am paying so I can try and get another apartment and show I am working to pay that debt off. I'm not sure if this is a legit way of doing business with people or if this is a complete scam. My next move is to open a lawsuit since I can not even get the correct information or any type of document showing im paying or what they are saying is true. Its not okay to treat people in this way when they are trying to pay.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Other fee

Complaint:
I hold a Citibank Access More Card, and I have been an inactive customer, not having used my card for several months. Due to family medical reasons, I relocated to XXXX permanently from the US in XX/XX/2016. Approximately in XX/XX/XXXX/XX/XX/2016, I logged in online to close my Access More credit card account since I was no longer in the country. I noticed that Citibank Access More Card had assessed me an annual fee in XXXX. I called the bank and requested them to cancel the card, which they did. I have recently checked my Citibank credit card accounts again, and to my horror, have noticed that Access More card is reporting me as being delinquent on my credit card account ( 72 days delinquent ), because of annual fee not being paid!! When I called in, a customer care representative explained that because I had not asked for the card to be canceled within 30 days after the XXXX was assessed, they could not undo the " full '' XXXX before canceling the card, and hence a partial amount remained on the card, and my account went into delinquency!! This aspect / possibility was not at all explained to me when I had called into cancel my card. To my knowledge, the card had closed successfully. Citibank says that it sent notices to my brother 's mailing address which i had provided as a US address for the purpose of financial statements. However, to my knowledge I had closed the card properly, and the last thing I expect is delinquency notices from an account that I believed I closed properly. To add insult to injury, as I was trying to fix this issue, the customer representative offered to put me through to Collections department. It is utterly irresponsible, and exploitative, and predatory, on the part of Citibank to assess Annual fees on inactive accounts, and based on a technicality, to push an inactive account into delinquency!! Such practices should be banned, and employees who dream up such " Gotcha '' moves should be sent to jail for the anguish they cause customers. I request CFPB to order Citibank to restore me to " current '' status, and close out my account properly, without any delinquency flags which will impact my credit record adversely. 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 2020-08-12
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spoke with original debt and debt has a XXXX balance. Capital Collections LLC, continues to increase the monthly amount which they're not allowed to do per Florida Finance Code.  In addition, they have yet to ever very debt. Orignal debt no longer does business with Capital Collections as to what i was advised by their office today.

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 2016-07-25
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Transworld sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with XXXX XXXX XXXX which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with XXXX XXXX XXXX because they no longer have the loans. I do see any ownership information from XXXX XXXX XXXX or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was XXXX XXXX XXXX but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. XXXX XXXX XXXX and Transworld are trying to commit fraud against me. I have the copies of all of the complaints I have against Transworld as proof. XXXX XXXX XXXX can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My card was stolen and used all my money was stolen from my unemployment claims

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 2020-08-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't own this debt nor do I know what this debt comes from. I haven't come into any financial obligations with IC SYSTEM. I dont have any contracts or debts with IC SYSTEM

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 2020-08-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX, XXXX, and Experian ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45  days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.

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 2015-10-15
Company: On-Site Manager, Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I found that my criminal record that has been EXPUNGED is showing up on my report. You can contact XXXX XXXX XXXX at XXXX ext XXXX and talk to XXXX and verify this information. I want it off my public record on your site immediately! It is preventing me from obtaining housing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: LDF Holdings, LLC
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I initially borrowed {$500.00} in XXXX 2015. To date, I have paid {$990.00}. I read the loan payments would be monthly, but they withdrew them every two weeks, which have left myself and my children short for rent, utility payments and food. This loan XXXX lacing my family at risk and I am requesting assistance with addressing this fraudulent matter. I was informed by my Financial Advisor, that Payday loans are illegal in Massachusetts. I 'm battling XXXX and need to be sure I can protect my children. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020, 3 charges in the amount of XXXX each were made during the overnight hours to my child support card. I immediately tried calling the We2Go card ( XXXX ) and was on hold for over 2 hours on 2 separate occasions ( was cut off on their end on the 1st attempt ) and was told that nothing could be done because it was a " pending charge '' and to call back when it posted. In the meantime, I had to use another phone to call and cancel the card and was told that it would cost XXXX for a new card and XXXX for expedited shipping, plus every time I did try and call in to try and speak with someone my average wait time was over 3 hours and they charged me XXXX each call. 

On XX/XX/2020, I called again to initiate a fraud claim and was told I needed to wait for the paperwork to be mailed to me, once filled out a provisional credit MAY be applied after 10 days after the receipt of the paperwork. Paperwork was filled out and faxed back to them to quicken the process and finally on day 12 after confirmed receipt, they issued a provisional credit of XXXX posted on XX/XX/2020. Then on XX/XX/2020, they REVERSED the provisional credit causing my balance to go into the negative. I called them again, 2 hours on hold, and was told that even though the investigation was still pending, they reversed the credit and to wait for written correspondence. I then called back the next day, same response, on the next day they said the investigation was complete and the charges were made by me and not fraud. I asked for documentation that was utilized in that conclusion and they said it could take 3-5 business days before that could be mailed to me and all I could do is take it up with the merchant and see if they will refund my money. As of XX/XX/2020, I am still awaiting this documentation. I have been in touch with the merchant and they are experiencing HIGH volumes of fraud cases with this " bank '' and are working diligently trying to get my money back! 

This " bank '' has caused me over 15 hours of hold time, zero answers on being able to speak with the " investigators '', and I am still out over XXXX for charges that were not made by myself. Please help stop this bank from giving more customers the run around and not honoring the federal guidelines of investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello After reviewing the response from Portfolio Recovery which they said belongs to me. I still haven't receive any documentation bearing my signature. I have not received any documentation with my signature. According to section 609, the company has to produce a copy of the original application with me signature on it. Has of today they have not did so.

Company response to consumer: Closed with explanation