BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Good afternoon, I opening a few bank accounts in XXXX of 2019 at the Downtown XXXX XXXX Citibank branch. 

After the pandemic hit in XXXX, this downtown location and my banker who opened the account was made COMPLETELY UNAVAILABLE to me.

I continued to have many many issues with my account and this caused a lot of problems for me. 

Citibank is now impossible to deal with as most banks are, as they are more focused on the PPP. 

I received the attached document that is very upsetting to me. 

When I signed up for the Citibank account in XXXX, I opted in for the promotion that if I had a minimum {$5000.00} average daily balance in the sum of all my accounts after a 6 month period. ( This was confirmed by the banker who set this up ), that I would receive a {$200.00} account bonus in my account ending in XXXX. After I waited extremely patiently and repeatedly asked for my {$200.00}, ( it ended up being 7 months after instead of 6 ), I did not get my {$200.00} bonus. I had to go into the XXXX XXXX branch in XXXX XXXX at least 2 times to beg to get this bonus. After they finally did it, I closed that final account and to never look back at citibank ever again. 

However, I get this notice now saying that I am not qualified, which is 100 % ridiculous and inaccurate. 

They are saying this account is not closed, and I do not want to be reported with bad credit to XXXX XXXX. I can not deal with citibank any longer. Please help this go away.

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 2017-03-01
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a co-applicant on an FHA home mortgage through Chase bank. The primary applicant was discharged under bankruptcy in 2016 and did not reaffirm the debt. Chase bank is telling me that I am bound under the same terms of the primary applicants bankruptcy and no longer responsible for the mortgage debt. I did not file bankruptcy. They have stopped reporting to the credit bureau and telling me I have no rights to the loan because of the bankruptcy. They can foreclose. I ca n't refinance or sell they tell me. Please help and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I would like to file a complaint about TD Bank. I have had an individual personal checking account with this bank since they took over from XXXX. Their routing number is XXXX and my account number is XXXX. On XX/XX/2017 this account was debited for {$4600.00}. The account also had a hold put on it for the same amount resulting in a net debit of {$9200.00} and subsequently overdraft charge. Since I was unaware what this was I visited the XXXX NJ branch at XXXX on XX/XX/2017 and spoke with their representative XXXX requesting an explanation. He indicated that my son 's student checking account was overdrawn, an account that I had been added on to. I asked him for a copy of the overdraft notice that was sent to me. He was unable to supply it indicating it was sent to the address on record. I asked him if it a notice was sent to me, not my son as I never received anything. He again indicated a notice was sent to the address on record and would not confirm if one was sent to me. I then asked for the copy of notice sent to me indicating they are debiting my account. He replied that they have the right of offset and are not required to send a notice. So, at this point I was not notified of the overdraft on my sons account or debit on my personal account. Finally I asked why my account was debited and put on hold resulting in a double debit. He reviewed the account and indicated it was a bank error and removed the hold and credited back the overdraft charge. The handling of this situation has caused this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I accidently sent Chase Card Service 2-payments, so I could payoff in full balance on account and too close account and destroy credit card. I over paid, By {$680.00} ; and chase Card Services say they will not return the overpayment or pay interest while they hold my MONEY for one month. Even though the Account is closed and no further charges can be made??? Further, I am losing 3 % interest paid by my bank ; while Chase refused to return MY-MONEY!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: IA
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 XXXX account XXXX XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  account # 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.

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 2015-04-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When requested, XXXX XXXX XXXX ( XXXX ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, XXXX did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. XXXX never forwarded or provided any proof, even after multiple requests. 

HSBC did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

XXXX never provided any verification documents even though it was requested on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: FIRST ADVANTAGE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This information is in accurate : Record Source XXXX XXXX XXXX XXXX XXXX AND XXXX GENERAL DISTRICT COURTS Type of Search FELONY & MISDEMEANOR RECORD SEARCH Search Type FELONY & MISDEMEANOR RECORD SEARCH Date of Search XX/XX/XXXX Given Name Searched XXXX XXXX Case Reference # XXXX Name on File XXXX, XXXX XXXX XXXX on File XXXX, VA XXXX XXXX on File XX/XX/XXXX SSN on File XXX-XX-XXXX Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Type XXXX  Disposition XXXX  Date XX/XX/XXXX Sentence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Case Reference # XXXX Name on File XXXX, XXXX XXXX Address on File XXXX, VA XXXX on XXXX XX/XX/XXXX XXXX on File XXX-XX-XXXX Charge XXXX OF XXXX Charge Type XXXX  Disposition XXXX  Date XX/XX/XXXX Sentence JXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX  continues to report a 90 day late on my credit file. This is incorrect. This account has been charged off on XX/XX/2019. This information is factually incorrect. This account was only verified for my name and account number. The accuracy of this account has been repeatedly ignored. 
The creditor refuses to give the credit reporting companies proof of the loan documents, dates of discharge, payment history, and correctly remove inaccurate updates to all credit agencies. 
I am forced to follow up with the cfpb, ftc, XXXX, transunion, and XXXX multiple times. This has resulted in countless hours of email, and phone conversations. I believe this creditor creates these obstacles to restrict consumers from a proper recourse to the negative filings. It has also restricted my credit from improving because it restricts credit reporting companies from issuing improving results. It is a vicious cycle that a person with relatively little knowledge can overcome.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions

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 2015-07-31
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX offered me {$100.00} off the cost of a flight if I applied for the Citicorp credit card. While making a reservation, I applied and was approved. When it went to the cost of the ticket, no discount was applied. A few weeks later I received the card in the mail and did n't activate it ( I cut it up and tossed ). XXXX months later I received an email that I was past due for {$95.00} which it seems is an annual fee. XXXX months after that I began receiving phone messages to pay the past due balance. I called and explained to someone who managed to waive {$80.00} of the {$95.00} annual fee. They told me I had to institute some type of appeal process for the remaining {$15.00}. I told her forget it, go ahead and waste your money chasing me for {$15.00}. My credit score is around XXXX, so I do n't think that will bother the score. No apology for never discounting my ticket, I would have to call XXXX XXXX for that. Now the phone calls are continuing and I believe it constitutes harassment. My name is XXXX XXXX in XXXX, Hawaii. Not sure the credit card number as I no longer have the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Marcus by Goldman Sachs advertised a promotion online to offer new customers that sign up for their XXXX Account and found it with {$10000.00} to receive a one time bonus {$100.00} I fulfilled all requirements mentioned in the small print also called in when opening the account, everything was fine until I asked after 4 months for the {$100.00}. 

The refused to offer the bonus : ( told me many time the will review and call me back but never get back to me. 

Today I called again and no result. 

See attached offer send directly to me and the requirements I fulfilled! I used their link to sign up for this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
For two weeks I tried to get in contact with a physical person about a Reimbursement of payments made to a program i was enrolled in XXXX. A program i never signed up for to my knowledge, and a program that was deemed to use predatory practices for the " Card Security '' program. They did in fact refund one year of the service for a total of {$1300.00}. But after i made numerous complaints to speak with a manager about a full reimbursement, no one ever contacted me back. Which is very unprofessional. 
On the Date, XX/XX/XXXX I made a complaint On CFPB To get in contact with someone regarding my issue. After weeks i finally got a response from a dead end number where the person never answers the phone and has a full voicemail. I have called the contact number of XXXX XXXX a minimum of 15 times over the course of two weeks. Never answers the phone never has a cleared voicemail. This is completely unacceptable i have to go through this amount of work to get someone from your company to do anything. Ive seen countless people receive full reimbursements for this same issue. 

Synchrony already got in trouble from the CFPB for this very same issue. 

( 1 ) deceptive practices relating to the marketing and sale of certain of the Bank 's credit card add-on products ( the Add-On Matter ), in violation of Sections 103l ( a ) and 1036 ( a ) ( l ) ( B ) of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ) ;

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 2016-05-27
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Doctor submitted wrong Code to Medical Insurance. His code stated Cosmetic, so the Insurance denied the claim. 

This was removed from Collections before. This is a second attempt to collect funds not due. I refuse to pay {$190.00} for wrong Code when the Doctor can resubmit under proper code and I will owe less than {$8.00}. I feel this is Fraud. 

This provider is attempting to collect money he is not entitled to. 

Samples were removed by the XXXX Doctor XX/XX/XXXX. This bill is from XX/XX/XXXX, not XX/XX/XXXX. XXXX Doctor and Hospital have been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a cease and desist letter and letter validate the debt on XX/XX/XXXX after discovering the acct on my credit files without prior notification on XX/XX/XXXX, and after failing to notify they received this acct XX/XX/XXXX. I sent this letter certified. They did NOT respond to my letter to validate within 5 days in accordance to FDCPA. They have never provided, acct information, payment history, balance when received, interest accumulated, payment history,, they have violated my consumer rights under Section 1692g ( a ) of the FDCPA by including the validation notice in the initial communication. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
I NEVER received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim.

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 2022-06-01
Company: EQUIFAX, INC.
State: SC
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 XXXX Account XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violtated 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 Inquiries that I didn't authorized : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive several phone calls daily without actual voicemails left, just automated menu recording thinking I picked up the phone when my voicemail message comes on. I try to call the number back and it does n't work. Then I finally find your website where I think I can pay online but it wo n't let me apparently its not compatible with my browser. Then when I actually do get in touch with an actual human being to make the payment on the debt I owe, the customer service representative attempts to transfer me to the XXXX department and there is no one in the office because apparently people have left early for the day. I get it that XXXX is close to XXXX but do n't say you are open until XXXX when you are not. Dealing with credit and debt affects our lives and our future and I do n't really think its acceptable to leave early for the day or to make it impossible to make payments online! I was never given a registration code or log in information that would enable to pay online. Its so obvious that making it difficult for people to pay leads to late fines which equals more money for you. I think it it is absurd to have a computer calling me XXXX XXXX times a day and when I try to pay my debt, the people who are supposed to be there to help me with that decide to leave early for the day or the weekend, unless they were purposely ignoring their phones.You would think you want me to pay my debt successfully when in reality it is starting to look like the longer it takes me to pay my debt the better it is for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Unauthorized inquires were added to my credit report from companies I don't have an account with. 

XX/XX/XXXX - XXXX - No action taken. No account was created. 
XX/XX/XXXX- XXXX XXXX No action taken. Company verified that no account was created XX/XX/XXXX- XXXX XXXX No action provided by company. Verified no account was created.

Company response to consumer: Closed with non-monetary relief