BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In short, a dispute was filed that charged back a car insurance merchant. I resolved the issue and closed the dispute. Credit Karma took the money back from this merchant, and also put a judgement against my banking account. This is double dipping, taking the funds from the merchant, aswell as the Bank account holder. I was promised over 20 days ago, a Check would be mailed out for {$130.00} as I was owed. However, this was a manipulation game being played by Credit Karma, I was informed the money was kept instead of the check being mailed out, to pay a debt I owed them. However, I was never given an opportunity to pay any such debt. Clearly this is a ruse so they did not have to pay me what they owed me. This needs to be investigated promptly!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid 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/XXXX filed a written CARDHOLDER DISPUTE FORM with issuer for an unauthorized transaction in the amount of {$1.00}. Thereafter on XX/XX/XXXX, issuer responded saying that I will be refunded by mail with a new gift card in the amount of dispute. It is now nearly one month later and I still do not have the refund/new card. The case # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My medical bill was charged not from XXXX XXXX XXXX under auspice that my medical insurance would cover for it but didn't. I got a surprise OUT OF NETWORK bill that my XXXX XXXX XXXX XXXX XXXX didn't cover. I was billed under XXXX XXXX XXXX XXXX. Nowhere on website XXXX XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX XXXX is covered. I shouldn't pay for OUT OF NETWORK bills. XXXX XXXX XXXX has a list XXXX XXXX XXXX that shows that XXXX XXXX XXXX XXXX XXXX is covered. Without XXXX XXXX XXXX XXXX not publishing the right on what is covered, they knew that the hospital charge wasn't covered and would charge me anyway. I shouldn't pay for {$230.00} on charge not listed on XXXX XXXX XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: U.S. BANCORP
State: NV
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 has been non-compliant with removing the unverified account ( list account and account number ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that US BANK XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-30
Company: Universal Fidelity LP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have already submitted a complaint about this mailorder through XXXX XXXX that I did not order last week. I told you in the complaint details about this bogus order I did not place and how I have already sent them a affidavit to cancel the account and harassment well since then I received the 3 attachments I will attach to this complaint

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have violated my rights XXXX 

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 explanation
Consumer complaint received 2022-10-24
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter dated XX/XX/XXXX, did not get in the mail until XX/XX/XXXX stating I owe money for something I have no idea what it is for. Says the account was created in XXXX principle balance XXXX and interest of XXXX interest and fees of XXXX. Saying this was sold to XXXX. 
Received another letter dated XX/XX/XXXX did not get not get in mail until XX/XX/XXXX. 
Sent Resurgent a notification to let me know what this account is for, currently waiting on their response. 
Also why would it take them 4 years to contact 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 2022-10-24
Company: The Phoenix Recovery Group
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I payed off a debt years ago and yet I continue to get harassing calls claimed that I owe a debt and that I'm going to go to court. The latest calls have been from Phoenix Group XXXX According to the representative is ran by XXXX XXXX XXXX XXXX XXXX Not only am I getting calls but they are calling my work, my friends and family. I really need help in getting this to stop. It is adding tremendous stress to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Bread Financial Holdings, Inc.
State: FL
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:
XX/XX/XXXX - identified fraudulent charges on my card and notified Comenity the card Holder ( Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX ) a division of Bread XXXX  XXXX XXXX XXXX XXXX, OH XXXX The Customer Service agent confirmed the fraud, took details and advised a new card was to be issued. Charges were removed. 

XX/XX/XXXX - fraudulent charges were reapplied to my account and received an email to call Comenity, XX/XX/XXXX - called Comenity and they said they had no knowledge of any fraud and directed me to fraud department. 

On phone with Fraud Department- was told Comenity had a computer " system update '' and they can not access my account. 

XXXX from the Fraud department tells me there is " literally nothing they can do '' - they can not see my account nor resolve any inquiries. 

Shocked to hear that I asked XXXX to repeat that as I could not believe what I was hearing - she confirmed that Comenity can neither access my account, nor speak about the fraud. She did say that I am responsible for the payment. 

I asked for a XXXX. I asked her to close my account. 

She said XXXX can not do so at this time as the system is locked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from XXXX XXXX on XX/XX/2022 in the amount of {$1400.00} and deposited it into my checking account with Chase through Mobile Deposit on XX/XX/2022. Friday XX/XX/XXXX the funds from the mobile deposit were released to my account and no longer showed pending. Then Thursday XX/XX/XXXX all funds were shown to have been removed from my checking account and my account was completely closed. I called Chase customer Service twice, once on XX/XX/2022 then again XX/XX/2022 both times I was informed that the check could not be verified by the maker because no number for XXXX XXXX was in Chases Database. I then went into The XXXX TX Chase branch and spoke to someone and was informed the same information and was told to reach out to XXXX XXXX and get a phone number from them that Chase could call to verify the check. From there I went to XXXX XXXX in person and spoke to the cashiers office and was informed that the funds were released to Chase and then I was given the number to the head of the Cashiers office and the Vice President for obtaining verification. I again went up to Chase and informed an advisor of the issue and provided him with the number to XXXX XXXX XXXX XXXX and Cashiers office. I was then told that the phone numbers were not in the database and that they would not be able to call anyone to verify the check and the funds can not be released until Chase has verified the check with the maker. I then asked if verification could be made with XXXX since that is who XXXX XXXX banks with and was told that was not possible. From there I asked what I could do to obtain the {$1400.00} and was informed that the branch was going to submit a complaint to Chase and wait for a response. I was denied a copy of any of the transactions and was never given an alert to the account being put on hold or closed. There was no answer when I requested a timeline of when the situation would be resolved and was told there was no way to ensure me that it ever would be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: Upgrade, Inc.
State: NV
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 opened an account with Upgrade for a cash back card in roughly XXXX of XXXX After using it a month I realized it was not a traditional unsecured card with a grace period on purchases but a charge card that charged interest as soon as a charge was made. As I had not interest in this type of account I paid it off and sent an email to try to close the account. They responded that I had to call to close the account. I did so for the first time in XXXX of XXXX. Since then I have been receiving monthly card statements ( always for {$0.00} ) about my account. Each time I log into my account online it shows as active. I have since called two more times to close the account and, just like the first time, have been ensured each time that the account has finally been closed. Each call has taken well over an hour as the company will put me on hold, transfer the call, and disconnect so I have to call back. I have just received another email and verified my account is still active, over a year after I first tried to close the account. I want this resolved as I do not trust the company and feel it is a security risk to continue to have a financial relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a line of credit with XXXX on XX/XX/2022, which is NOT reporting to the credit bureaus, why?

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 2022-12-26
Company: Debt Collectors International, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
PLEASE HANDLE THIS COMPANY, THEY ARE VERY RUDE & HUNG UP THE PHONE ON ME. AND LIE EVERYTIME. THEY DO NOT NEED TO BE IN BUSINESS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
THE WRONG INFO WAS IN CHECK SYSTEMS AND I DONT KNOW WHY IM IN CHECK SYSTEMS I NEVER OWED A BANK.

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 2022-10-24
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a welcome letter with blank checks from Comerica Bank stating thanks for opening a checking account with us. I did not open an account with them and called and canceled and they advised to also put this report in

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CITIBANK, N.A.
State: FL
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:
XX/XX/2018 - I made a purchase for a new Automotible XXXX XXXX   from XXXX XXXX, XXXX via the company web site. I paid for 2nd day air since my vehicle was non-operational. 
XX/XX/2018 - I contacted XXXX XXXX, XXXX via email regarding tracking for my order, since I had not received it. 
XX/XX/2018 - After receiving no response, I contacted XXXX XXXX, XXXX again via email requesting cancellation of order. XXXX XXXX owner XXXX XXXX said my order would " NOT ship out today. '' XX/XX/2018 - Replied to XXXX XXXX telling him that the delays were unacceptable, and to cancel my order. 
XX/XX/2018 - XXXX XXXX owner XXXX XXXX emailed me 15 minutes after dropping off my package at the post office saying they shipped the product. I told him for the 3rd to time to cancel the order, and tell the shipper to deliver the package back to him. He refused to cancel the order. 
XX/XX/2018 - Disputed charge with Citibank after XXXX XXXX refused to cancel the order. 
XX/XX/2018 - Received a XXXX XXXX XXXX XXXX from merchant. 
XX/XX/2018 - Citi denied my dispute because, they claimed that I did not supply proof that I cancelled the order. 
XX/XX/2018 - I filed the dispute again, attaching EVERY email clearly showing that I did cancel the order as well as a signed letter from my mechanic stating that the XXXX XXXX that XXXX XXXX provided was " USED '' and was " DEFECTIVE '' ( i.e. it did not work. ) XX/XX/2018 - Citi denied my dispute again and said that I would need to deal with the Merchant now ( Who already told me I wasn't getting my money back even if I returned to used/defective product I purchased. ) My reason for filing this complaint with the FTC and the Consumer Financial Protection Bureau is two fold. First, after reviewing the XXXX XXXX XXXX report on XXXX XXXX, it is possible that XXXX XXXX is a con artist, and is running this scam on many customers, not just me. He needs to be referred to the proper authorities for investigation. Secondly, I do not believe Citi followed the Fair Credit Billing Act when I claimed, and proved that I canceled the order before it was shipped, and that the product I received was USED ( i.e. not as agreed ) and DEFECTIVE ( i.e. fraud! ) yet Citi still required me to pay for the used, defective item ( and the demanded that I PAY to ship it back to the merchant who never asked for it back! ) I have all documentation. All documentation was sent to Citibank. 

Given my experience, I recommend that consumers should avoid Citi and cancel any current accounts they have with Citi since they protect the merchant, not the consumer.

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 2020-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I went to look at my checking accounts on my banks ( USAA ) website. I was unable to login and received a message to call the fraud department. When I called the number provided on the message, I was informed that I was speaking with the fraud department and my account had been compromised. I was told I needed to allow USAA to wire the funds ( {$18000.00} ) to another account. The person had all of my personal information. While I was speaking to the person I thought was USAA i received a text asking if I authorized a wire and to call them. I did NOT respond to the text with a yes, but instead called USAA to which I found out I was the victim of a scam/fraud. I was initially told that a request was sent to the fraud department for investigation to get the money returned. I was told it would take 2-5 business days to complete. I have called and followed up multiple times and continue to get the run around. I ask to speak a supervisor and I cant get one on the line. Each customer rep tells me that they dont see notes about my fraud case. It is now XX/XX/XXXX and nothing has been resolved nor have I received correspondence/communication from USAA on the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Berndt & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX. garnishment on my state taxes for a credit card debt from XX/XX/2007. The garnishment still is active, they sued me in a different county from where I live and served papers after the court date. I figure whatever let them garnish the {$100.00} a year for the next ten years, but now. 
I get a letter from Berndt & Associates P.C. stating I owe {$3000.00} for the same XXXX  XXXX credit card! The original credit limit was {$500.00}. We stopped paying in XX/XX/2007 when my husband and I lost both our incomes. 
So this 11 almost 12 year old debt is still being persued? This seems very WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In 2017 I entered into an agreement Pursuant to 15 u s c 1602 ( k ) XXXX XXXX  never provided me an adequate notice with clear and conspicuous pertinent facts of transaction, which caused me to make a uninformed decisionXXXX XXXX never informed me about the cost of credit, and the only evidence of the indebtedness was just a computer-generated agreement.according to 15 usc 1602 ( k ) the term adequate notice means a printed notice to the cardholder.further, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. I did not benefited from the transaction which is a violation of 15 usc 1602 ( p ) according to 15usc1602 ( p ) the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was unaware of an internal score being used to approve my application from Santander. I was under the impression that Santander was my only option and in order to drive off the lot, I had to leave with the subprime loan high interest rate that I was given by Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

I then got a notice that PayPal is requesting for my verification details I gladly provided the files required and all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned, I feel this was not fair on my
part as I can not have control over how other people use their PayPal accounts I just really want my account back

Company response to consumer: Closed with explanation