BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I opened a credit card wi th American Express tha t had a {$450.00} annual fee and  XXXX  point sign-up bonus. Right after getting the card, I went on the AmEx site and saw a huge promotion for the same card -- {$450.00} annual fee, but  XXXX  points as a sign-up bonus ( I still have the Terms & Conditions of this offer open -   XXXX   XXXX     XXXX ?  XXXX  & print # offerBenefitTermsDisclosures ). I called  AmEx  immediately to ask if I could be matched to this higher offer since it had only been a few days since I 'd applied. The person on the phone told me that it should n't be a problem and to check back in a few weeks. I checked back with American Express, and the customer service representatives online now keep telling me that I actually am not eligible for the offer even though one of them said my request is listed as " in progress '' on my profile. I asked for clarification on what this means and they refused to explain. Finally, a customer service rep said " this offer is not just for you, it is for the new card members. '' They refused to elaborate on what any of this means, or go into the actual details of why I was told it would be fine and then told I ca n't be matched to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: M&T BANK CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello my credit card was stolen in XXXX XXXX and M & t will not reimburse me for charges. I have filed police report, also was not in XXXX XXXX at the time of the charges and have documents to support these claims. I will attach documents It is over XXXX in charges .I have been a customer with XXXX for 22 years - I was not aware the card was stolen at the time of charges XXXX 2021. I was not on the Island when these charges occurred and we clearly fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: CITIBANK, N.A.
State: DC
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:
Citibank is refusing to proceed with arbitration regarding the terms and conditions.

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 2017-06-04
Company: REGIONS FINANCIAL CORPORATION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I have tried numerous times to het ahold of regions bank to explain that my credit card was stolen bit they refused to help me in any way then i found out that they finally closed the account but with a very high balance. I want this all fixed.

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 2021-12-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had opened my new account at Citibank on XX/XX/2021 @ XXXX AM CST and made the required deposits. I then started to move my money over from XXXX XXXX to start the transition to Citibank. The following day XX/XX/2021 or so I needed access to my funds to get food for my children and was greeted with a message that my account had been restricted for security reasons and for assistance to call and provide the error code XXXX never receiving an email in regards to this issue. When speaking to the agent and providing security information I was told that I could not be helped and needed to be transferred to another department after being on the phone for over 30 minutes. I then escalated to a manager for assistance just to be transferred to another department. When the agent picked up the line and reviewed account I was told that she could not assist me and that I needed to dial another number and press options 2 then 5. After spending over a day to get in touch with a department that was supposed to be able to resolve the issue I was told yet again that there is nothing they can do and I have to wait for 1 to 2 hours to receive a callback. No phone call received and I call again on Monday XX/XX/2021 @ XXXX AM CST spending yet another pointless 33 minutes on the phone I still not get the help that I should be getting. This bank should not be in business if this is how they are going to treat their customers. All I want to do at this point is put it on record how I have been treated with Citibank and I want my account closed and money refunded back to 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 2017-04-17
Company: Oklahoma Student Loan Authority
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I tried calling in today, XX/XX/2017, to pay off my student loan with my credit card. I took out the credit card to pay off my student loan as I have 0 % for 18 months. I was told that OSLA only accepts bank account information, which is unacceptable. They are impeding me paying off my student loans.

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 2017-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I 've recently uploaded my bicycle up for sale on XXXX. XXXX who was very interested in purchasing the item have sent me the cheque that was more than the value of the item, and have asked me to send the remainder to XXXX who XXXX claimed was his delivery guy. I deposited the cheque and waited 4 days for the cheque to clear. Once the cheque was cleared and became available in my account, I 've proceeded to wire-transferring the remainder of the amount to XXXX. The day after i 've wire transferred the money, the initial cheque that was cleared was now returned and I had deficit balance of - {$2000.00} in my checking account. I called Chase ( my bank ) to ask about what happend, and they 've explained that the cheque was cleared early for my convenience, which i never asked for, and then was later returned since cheque was not valid. On top of this I was charged for the returned cheque, which was cleared by the bank without checking its validity. This is unacceptable that such huge financial organization would defer their responsibility on customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions 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 am writing to dispute 6 accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX Phone ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A 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 explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: MS
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:
There are many mistakes appear in my report without my understanding.

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 2019-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a USAA member since XX/XX/XXXX. I have a checking account with them and I had an issue last week that I would like to share with you. 

My mother made a cashout ( funds transfer ) from her side gig account ( XXXX  ) to her USAA account to help me pay a couple of bills that were due last week. Once she received the funds, she wrote me a check in the amount of {$20.00}, which it was deposited and funds were immediately available since the other account ( my mother 's ) had the funds available to be cleared. Date of the event XX/XX/XXXX of this year. 

On XX/XX/XXXX, they charged me {$25.00} due to NSF. Which I questioned on XX/XX/XXXX, and they insisted the other account ( my mother 's ) had no funds to clear that check. They alleged they pay all the debit charges before proceeding to clear checks. They insist the account had no funds, but I suspect they were doing something else. Sometimes the account shows a different balance in the app, other time it shows another balance, which brings confusion. 

I disputed the charge and only {$5.00} were refunded as a courtesy. I am no liable of USAA 's mistakes and the way they manage or post debits and credits is highly questionable. 

While I was charged {$25.00} for NSF my mom 's account was charged {$29.00}. We can not trust on a bank whose financial practices are questionable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to find out how this Caine & Weiner debt collection agency got my information and alleges that I owe them a debt. I have tried disputing it with the three credit companies only to receive a response that the information is accurate. How?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Trans Union has deleted all my active accounts on my credit report. and my score was in the XXXX or above. When I recently checked my report they have no score now because they say I don't have any accounts. I am request Trans Union correct my report immediately and restore with the correct account information. This is causing undue anxiety and stress. Trans Union score should reflect that of XXXX score.

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 2019-12-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have no online access to this account. I do not have the XXXX credit card, therefore, I can not set up an online account without the account number. I requested a new card two months ago and never received one. This past month I had XXXX when the bill was due and without online access, I could not pay the bill meanwhile XXXX charged me a {$40.00} late fee that they refuse to waive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: Ability Recovery Services, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is my 3rd attempt with filing against this company for blatantly placing an item on my report when they did not in fact send me a dunning letter prior to placing this erroneous, inaccurate item on my report. By law I was supposed to receive a letter from them and then I would have had 30 days to dispute the validity of the account. In their previous response they indicated that they sent me a letter. Why then did they not attach the letter to their response. They then went on to state that they mailed a letter on XX/XX/XXXX. As of today, I have not received any correspondence from them. I am escalating my complaint to the FTC as well as the Attorney General and BBB. This company has and continues to violate my consumer rights. I sent this company a letter in XX/XX/XXXX ( see attached ), certified with return receipt requesting the following ( all of which validates a debt in the state of Texas ) : Proof that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Prove the Statute of Limitations has not expired on this account ; To date, this company has not responded. How too then by them responding and contradicting themselves by saying they have sent me debt validation is this item reporting not in violation of my rights and not in violation of the Fair Debt Collections Practices Act ( FDCP ) of which they are regulated as a third party collection agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have encountered a number of problems while Navient has serviced my loans : ( 1 ) When making lump sum payments, Navient would ignore notes included in the request to apply the amount to my specific loan number with the highest interest rate. This happened on XXXX occasions. I called and they told me it would that them at least 2 to 4 weeks before they could reapply the balance to the correct loan. After waiting this period of time, the issue was still not resolved, and I had to make multiple phones calls over the months before the issue was finally corrected. 
( 2 ) Navient would not allow me to enroll in auto-pay at the end of my forbearance until after the first payment was made on each individual loan. It took them almost a month to confirm that I was finally enrolled in auto-pay and lower my interest rate accordingly. 
( 3 ) On the older version of Navient 's website, there was no option to specify which loan your payments went to. In order to do this, you had to call their customer service phone number and wait on hold for an unreasonable amount of time. 
( 4 ) Navient 's current website does not allow you the see the balances and/or interest rates when filling in the amounts for each loan you want to pay. It simply refers to them as loan-XXXX -- which makes it much harder to identify which loan should be paid first ( i.e. those with higher interest rates/balances ). 
( 5 ) On both the old and new websites, it 's impossible to tell which payment plan ( i.e. standard, graduated, etc. ) you 're currently enrolled in after you select it the very first time. 
( 6 ) In order to obtain general information about the payment plans available, Navient 's new site redirects you to their old site, which eventually redirects you to the federal website. Navient does not offer any information on the options available, which means you can not see this in relation to the specifics of your personal loans. 
( 7 ) The customer service hours are unreasonable. They are Monday through Friday only from XXXX to XXXX. This makes it very difficult for borrowers who are in school or working during office hours to contact them, especially given the long wait times to actually speak with a customer service representative. 
( 8 ) The Navient website does not advertise the Public Service Loan Forgiveness Program. I selected the graduated re-payment plan thinking I was doing the responsible thing, only to find out two years later that I am eligible for the PSLF program, but none of those previous payments I made qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2021, Woman called my cell phone at XXXX XXXX asking for me. When I identified myself and asked the nature of the call, she said she was with Wakefield and began stating alleged account number. When told I had no business with the stated company and asked again the nature of the call, she began reciting the alleged account again. When I yelled what is the nature of this call, she hung up. This has happened repeatedly, with no one ever stating the nature of their call or providing any other information. On prior occasions, I have told them that their representatives repeated harrassment of a XXXX individual will not resolve with their obtaining any information from me that they are seeking for whatever perceived reason they think they have for bothering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: AMERICAN EXPRESS COMPANY
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:
Dear Team, i received a pre-approved credit card offer from Amex for my business ( sole proprietor ). it had a code as well and it looked like i have everything set and just need to apply the code in the letter. but when i completed everything it was declined/ refused and caused me a hard inquiry on my credit and reduced my credit score. i want Amex either to approve my application or remove the hard inquiry from my credit report in-result of misleading offer. thank you XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Nelnet, Inc.
State: TX
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:
Hello, I am one the millions of Americans whose credit scores have been negatively affected by the Great Lakes Borrower Services glitch in their student loan reporting after passage of the CARES Act. 

https : XXXX I have always had good credit, and make my regular monthly payments and my credit score took a nosedive and has still not been rectified. 

I thank you for your help in this 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 2021-12-13
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: American Coradius International LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
( I leased a car through a company. I return the lease and was not given any paperwork on the status of the vehicle. I return the car in XX/XX/XXXX, in XX/XX/XXXX I get a notice from a debt collector for non payment from the lease company. I never received any bill or payment notice from the lease company. When I contacted the lease company they could not tell me why I was being billed. The debt company informed me that the leasing company had charged me {$120.00} in XX/XX/XXXX andt that there was a charge for {$140.00} that was generated in XX/XX/XXXX while I had previously return the car in XX/XX/XXXX ) Previous issue I sent a certified mail to the creditor as well as the bect collector asking for an explantion of the debt, to which neither replied and put a complain through the better business bureau, to which the creditor lied and said that they sent me one notice in XX/XX/XXXX which they never did. However I still matintain that since I return the vehicle in XX/XX/XXXX I never received any notice from the leasing company. 
So what do I do next to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX, I was the victim of identity theft. Thieves stole my personal information and opened a credit account at a retailer ( XXXX ). Although XXXX cleared my account the hard inquiry still shows upon my credit report at Equifax.

Company response to consumer: Closed with non-monetary relief