BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Rewards

Complaint:
American Express offered me a bonus of XXXX XXXX " miles '' for opening a new card and spending {$3000.00} on the card withing 90 days. I completed the targeted application, we approved and promised the reward. 
When I did not receive the reward we questioned American Express and was told that I had a similar card years ago and they would not honor the offer. I want to know why Amex would # 1 ) offer me this card, # 2 approve the application for this award # 3 deny me the benefit of fulfilling the offer. I has several other competing offers for my business and decided to give AMEX another chance and have now missed out on several comparable or better offers. 
American Express is making and approving offers that they do not honor and hiding behind small print ... .extremely misleading and deceitful marketing practices from a company I hold in high regard, I hope they make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I obtained a leased vehicle with Toyota Financial services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment. 

At the time I was in XXXX  and a XXXX, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible. 

About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college. 

2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to Toyota Financials incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I have been working with Citibank for the past month to try to rectify a situation on my credit card. The primary issue is that my account was switched to e-billing with no authorization by me or notice to me. I received an automated call form Citi on XXXX XXXX, 2016 and called them back within the hour. On that call, I was informed that my account was past due and began the process to fix that ( Immediate payment of full amount plus fees and interest ). I have had that particular card for 16 years and have never been late, nor would I switch to e-statements. 

Upon being notified by my credit monitoring service ( XXXX ) that Citi reported my account late to the XXXX credit bureaus I promptly contacted Citi in writing on XXXX XXXX, 2016 ( Exhibit 1 ), notifying them that I did not switch to e-statements, nor receive any communication from Citi that my account had been switched prior to me calling them back from the automated call, I had asked for them to update my record with the Credit Bureaus. I received a response from Citi on XXXX XXXX, 2016 ( Exhibit 2 ) that stated their records are correct and failed to provide any evidence of my account being switched to e-billing nor any proof of corresponding that switch to me. I had an attorney follow up to Citi in writing on XXXX XXXX, 2016 expressing similar concerns ( Exhibit 3 ) and in turn received a second response from Citi on XXXX XXXX, 2016 ( Exhibit 4 ) expressing again that the records are correct while still providing no evidence of my switch to e-billing or notification thereof. 
Although I have been harmed in the form of late fees ( totaling {$65.00} ) and the reporting of late payments to the credit bureaus, I do feel that Citi is sidestepping the real issue by not providing evidence of my switch to e-statements as well as what notification they provided to me to state that the account has been switched to e-billing. 

I have an impeccable credit history with no late payments on any of my accounts - ever. Credit is used as part of my employment eligibility so I would like my file corrected and thus far Citi has been unable to provide any support of showing how this account was switched as well as what notifications went to be to state that it had been switched which ultimately led to an untimely payment. 

Thank you in advance for your help in this matter.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following inquiries below were not authorized and I was unaware on any of these below please delete immidiately FCRA violation : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-12
Company: Experian Information Solutions 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:
I submitted a complaint a few month ago regarding my identity thief situation with Experian. The XXXX account that was charge off is fraudulent and need to be remove off my credit report immediately. I am not sure why it has pop back up on my account but it needs to be remove because it can not be verified and it already has been proven to be fraud. I found out that its still on because i tried to refinance my car and take advantage of the better rate due to Covid and i can not get accepted due to this fraudulent account. XXXX  already has removed the account and updated my profile this has been a big hassle and i wish it to be resolve as soon as possible. Looking at my credit history you can tell that these fraud account does not reflect the 7-8 years of good credit history and large number of account. I will include a copy that i have summited before regarding the identity thief with experian.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank of America declined my application to obtain a credit card for the wrong reason when I do qualify. 

They stated they were told I had a pending bankruptcy and I included their accounts. This is incorrect information which is not found on my credit report

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: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To who it may concern, this complaint is due to my lender using predatory lending on me and my family during the financial collapse over 10 years ago. We qualified for a government sponsored loan modification but were forced into an in house modification. The predatory modification had a principle reduction that was forgiven by the lender. They wrote that forgiveness off, but are now demanding we pay it back when we refinance the loan. At the time they wrote it off as a loss for their company, we are also forced to count that principle reduction as income on our tax return and pay taxes on it. This was fraudulent in many levels and we feel that we should have been given a government modification instead of this predatory modification. The original lender was Ocwen Mortgage and now PHH Mortgage Services holds the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a prepaid credit card with capital one. I always pay my bill on time, and my payment posts to my account and the money is taken from my bank. Yet capital one the past 2 months has not let me have the credit for an average of 14 days. So i told them to close my account. They said they would but would not return my prepaid money for 60 days. The agreement i have with them said my money would be returned in 10 business days not 60 as they now state i have to wait for my money. So i am complaining that they are keeping my money hostage for 50 days longer than our original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
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: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. 

I dont understand why you put this negative information on my account.

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: EQUIFAX, INC.
State: PA
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 am a consumer in pursuant to 15 USC 1692 A3 XXXX, Equifax, and XXXX is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, Equifax, nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} XXXX violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a consumer in pursuant to 15 USC 1692 A3 XXXX, XXXX, and Transunion is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, XXXX, nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.

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 2015-10-09
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have been an ongoing customer in good standing with Citibank for more than 7 years and their services had always been great! In 2004, I paid off all of my debt. I held on to my Citicard in case of an emergency, but I had no intentions of using it right away because of the high APR ; However, I received credit checks from Citibank offering me a lower APR. I used one of the checks to make a purchase during the XXXX season unaware that Citibank had decreased my line of credit without ever notifying me beforehand. As a result of this unbeknowst credit decrease, I was plunged into a horrifying court case where I was forced to plead guilty to fradulent check writing. I had to pay {$200.00}, to prevent incarseration. Once I paid the unexpected court cost and the fradulent check charge. I believed that this situation was finally behind me, but to my surprise after attempting employment and housing, I was shocked to learn that this bad check charge had kept me from being hired and achieving stable housing for me and my family year after year. At this point I realized that I had been done unjustly by Citibank because my payments were on time and up-to-date. They sent the low APR credit checks for me to use in any way, as long my line of credit was enough to cover the amount of the check that was written. My line of credit was {$3400.00} and my available line of credit was {$1200.00} which was more than enough to cover the amount of the check at {$130.00}. Even to this day when I am applying for employment, my background check comes back as a reason why I am denied employment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card is locked and they are refusing to give me a code to unlock my card without going physically to a bank. Most of the Bank of America 's are closed due to covid. They are withholding my funds that I need access to for food. 
This has been an ongoing issue that hasn't been resolved for 2 days and now it's Friday. I want something done.

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 2015-07-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered flowers and other gifts to be delivered on a certain date by a certain time. The merchant failed to deliver the flowers and XXXX of the other XXXX gifts on time despite verbal assurance that it would. The merchant refused my request for a refund even after it admitted that it failed to provide per our agreement. 

I disputed the charge with Citibank, the issuer of my credit card. Citibank denied the dispute without ever doing an actual investigation, i.e., Citibank did not even contact the merchant. I learned from the Citi XXXX XXXX that if the disputed amount is over a non-specified dollar amount, Citi denies the dispute, despite the merits of the claim. Citibank has engaged in this illegal and bad-faith practice -- failure to comply with the Fair Credit Billing Act ( FCBA ), conduct a good faith dispute investigation, and deny consumers their right to dispute billing errors -- several times now for unjustifiable reasons.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was given a {$300.00}. VISA gift card on XX/XX/2020 from my grandmother which was bought from XXXX 's on XX/XX/2020. I attempted to use the card 11 days later at XXXX 's, and there was only {$1.00} left on it. I immediately called " cardholder services '' the number on the back of the VISA gift card and was instructed to send in numerous documents including front and back of gift card, front and back of my driver 's license and the gift card receipt. I told them that my grandmother did not have the original receipt any longer and they said to obtain a copy of the receipt from the store where it was bought. My grandmother went to XXXX 's, was given a phone number to call by the store manager, and was emailed a copy of the receipt from XXXX XXXX, Manager, Retail Support Services Ralphs/XXXX XXXX XXXX/XXXX, which was also provided. As of XX/XX/2020, " cardholder services '' claims the receipt I provided is not valid as they can not find it in " XXXX look up system ''. I don't know what that means, but it is a valid receipt. They are using this excuse not to reimburse my gift card, which was depleted fraudulently by an unknown source. I have spend $ XXXX faxing documentation to " '' cardholder services '', have called repeatedly ( no one calls me ). To me, this is a scam not to reimburse me for a stolen gift card, when I have provided all necessary documentation and proof of purchase of the gift card, which is supposedly the only reason they are not reimbursing me now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: CITIBANK, N.A.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am trying to apply to remove my cosigner from my XXXX of my private loans. I was told on the phone with a representative that I could apply because the I have paid XXXX consecutive months on the loan. 
In the mail I got a letter saying that I was not eligible for the cosigner removal application. I called by bank and asked what was happening. after being put on the phone with an account manager I was told that I could not apply because I had a late payment on my record from XXXX years ago. The account manager told me to write a letter and fax it to the bank asking for the record to be removed because I was never late again for the past XXXX years. 

I wrote a letter and explained that the payment that was late was my first payment ever, that I was fresh out of collage and young and made a mistake. the wrote me back and refused to removed the late payment record. They admitted that I paid on for all my other bills and that the late payment did n't even have a late fee because it was n't over XXXX days late, But still they wont remove it. 

They said " Unfortunately, we are unable to remove that history. Remember, making your student loan payments on time may help you build and maintain a good credit history. " I was informed on the phone that I can never remove my cosigner because of that late payment. My cosigner is my Mother. both of my parents went through a bankruptcy and i would like to have them taken off my loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was assessed with a wrongful 30 day late payment. This was on the onset of covid when my hours at work were dramatically decreased. I made my minimum payment of XXXX on XX/XX/XXXX ( 29 days late ) my due date is XX/XX/XXXX. Since then I have paid off the card and my balance is zero. When explaining this to them they had no mercy and wouldnt make an adjustment to my credit report. Similar to in 2017 when I had auto pay to a different bank account and they wouldnt remove the late payment. I understand being firm on policy but for a customer of 3 years to not be understanding during a worldwide pandemic is not encouraging as a customer. This is preventing me to qualify for a mortgage and effecting my quality of live.

Company response to consumer: Closed with explanation