BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
IQ Data International, XXXX WA, contacted me on XX/XX/XXXX claiming to be an employer trying to follow up on a job application. 

On XX/XX/XXXX they contacted my mother, XXXX, claiming to be a lawyer trying to resolve related to a criminal complaint filed against me. 

on XX/XX/XXXX, IQ data contacted a friend of mine named XXXX, claiming to be an employer attempting to follow up on a position that I have allegedly applied for. 

on XX/XX/XXXX I made contact with this agency, speaking with XXXX XXXX, who processed a payment for {$500.00}. After this payment was made, my credit card information was unlawfully stored and used again to process another payment in the amount of {$1200.00} dated on XX/XX/XXXX that was not authorized. I received a letter on XX/XX/XXXX stating that per a discussion on XX/XX/XXXX ( that never took place ) a post-dated payment was made. This agreement was not discussed nor approved. 

This amount was disputed with my bank on XX/XX/XXXX, a police report was filed on XX/XX/XXXX to report fraud, and a formal complaint has been filed with Washington AGO. 

No written correspondence of debt prior to harassing phone calls. 

Use of automatic phone dialing systems. multiple calls per day, will call from multiple different numbers per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 125 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
As of XX/XX/2021 and XX/XX/XXXX Transunion report for all Credit bureaus reported all credit card balances of XXXX, XXXX XXXX, XXXX XXXX, XXXX was XXXX balance. 

However, today XX/XX/2021 I received an alert from transunion that showed all credit cards ofXXXX XXXX, XXXX, and XXXX XXXX showed old balance information from XX/XX/2021 and XX/XX/2021 but this only happen on Transunion. My balances of all credit cards mentioned are still at XXXX balances that still remain on XXXX and XXXX. How can it change back to the XX/XX/XXXX, information for all credits cards? This brought my score down 98 point going from XXXX to XXXX I had applied to but a house and get a car today which has prevented me from purchases a car and getting approved. The is against my legal rights with Fair Credit Act

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 2017-09-07
Company: CITIBANK, N.A.
State: AZ
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:
I was buying a ticket at XXXX XXXX. While I was doing that - this offer came in between which literally meant that apply for the XXXX XXXX XXXX Credit card from Citi and you will get {$100.00} credit.
Later I come to know that it 's not the case. Neither I am getting {$100.00} as statement credit but i will have to pay for the annual fees also. This is misleading and clear violation of UDAAP.
When i called the customer service they told me to get {$100.00} credit - i need to buy something on XXXX Why in the world they flashed such a fake commerical/advertisement? I could have used this card provided after the approval - they have immediately shared the Credit Card details ( just the way XXXX XXXX does it using it 's mobile wallet app )

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 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was overseas for 5 years doing XXXX XXXX ; during almost all those years ( XXXX to XXXX ) I was able to pay all my credit cards on line on time and more than minimum due amount. Until during the pandemic as well as the USA Sanction on XXXX, around end of XXXX, I couldn't access my Capital One credit card at all, unlike all other credit cards that I had! 
As difficult as it was to contact USA via phone or email, I tried several time ( many many many times for months ) contacting Capital one asking to give me a code to access my account & they wouldn't do that. All other credit cards did and I had no problem paying them. Capital One kept emailing me telling me I was past due... I would contact them and ask them to at least email an image of my statement, the same way they're notifying me of past due & still they wouldn't! They claimed they couldn't email to XXXX!! 
I kept paying all other credit cards on time and more than enough up until XXXX XXXX when I came back to USA & found out my credit report was destroyed due to this act of Capital One. BTW, I even made an special payment of {$170.00} to them in XXXX of XXXX in order for them not to send it to collection agency until I get back to USA, since they were threatening me. I even tried finding an office of theirs to go to and talk to a manager or someone in charge, but was sent to ATM locations of theirs in two different areas in XXXX  instead!! I even called a credit people who help clear your bad credit and they told me the damage was already done. I wanted to actually sue the Capital One for ruining my very good credit of many years in XXXX ( over 40 years ). But I had and still have more priorities than this ; I've been looking to rent a place for me and the couple of animals I rescued from XXXX & each time this now Bad Credit has become a barrier for us finding a place to live. I wish I knew about your organization 6 months ago when I came back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
In late XX/XX/2020, my U.S. Bank Reliacard account, through which Pennsylvania provides me Pandemic Unemployment Assistance, was locked : an " account restriction '' to prevent fraud. I was given no notice of this ; I found out when I called U.S. Bank to inquire why a transfer I had made to my personal credit union checking account never processed. 


When I called, I was told that, to unlock my account, I would simply have to upload a photo of my government-issued photo ID. I was told this only after asking to speak to a manager ; prior to that, the agent I spoke to said he was " unsure '' why I could not make transfers to my checking account or otherwise use my card. The agent then told me that it would take 5-10 business days for U.S. Bank to review my upload and unlock my account. This was over a month ago. 


I have called and spoken to representatives 5 times after waiting the full 10 business days. I have been told that the true time for review is 10 to 15 days. I have been told that I simply need to wait, and wait, and wait. 


This is unacceptable and, in my opinion, amounts to a deprivation of benefits in violation of my right to due process. 


I would like the issue addressed and implore the CFPB to investigate U.S. Bank for this practice, which, if you search the internet, is happening to many PUA beneficiaries.

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 2022-07-14
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22, I was victim to a check cashing scam on my bank account. My bank is with US Bank. I immediately tried speaking with someone from US Bank, I've talked to at least 15 people who give me the run around. No one will help with the account. I filed a police report, filed a scam report with the postal service, XXXX  and FTC. US Bank put a hold on my accounts and will not give me access to any of my funds for over 2 weeks. I have not been able to pay any of my bills including rent, cell phone, insurance, credit card bills, buy food, gas, and groceries. My family has had to help me and my two children, on top of which, both of my children having XXXX which has prevented me from working for a week. I've tried meeting and talking to the Branch Manager in XXXX but she would not meet with me. When I finally was able to call and talk to her she stated she could not give me corporate or fraud department number but to call customer service again and try to speak with someone. She stated there was nothing she could do and was no help whatsoever. Someone else stole money and now I am being framed for it and my bank is doing nothing to help my situation or actually investigate the situation. They just closed my account and won't talk to me to get the story or situation or give me my money. I need help because I am innocent and could possibly be evicted, have my phones cut off, and lose everything I have worked for because someone else used me to scam {$1900.00} from the bank. I am completely disgusted with the bank and how much they have blatantly disregarded me the past couple weeks. I just need my account with my paycheck to be released so I can pay my bills. I did not steal any money from the bank and can prove it with no problem. I am a recently divorced single parent of two young children who works full time on XXXX and XXXX XXXX  full time at XXXX XXXX to become a XXXX XXXX XXXX  and I can not afford these issues. It isn't fair that me and my children are the ones suffering for someone else 's theft, fraud and forgery. After talking with the police again about the banks lack of effort in helping with the situation, the detective on the case stated I need to give all the evidence and information to the Attorney General for further help and investigation. The bank force closed my account without proper investigation. I reported the situation to XXXX XXXX XXXX reporter for XXXX XXXX XXXX XXXX and in the process of hiring an attorney.

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 2022-07-14
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I logged into my amex online account on XX/XX/XXXX and found out all my cards were cancelled and I found a voicemail in XX/XX/XXXX, someone from amex wanted to talk to me and I called back right away. 

Amex service team told me it was a business decision they closed my account and all my rewards points were gone when they closed my account. My concern is Amex didn't warn me anything and shut down my account without leaving me choice to redeem my rewards points. I have been with Amex for almost 8 years and spent tons of money using Amex since I am a small business owner. I spent a few XXXX a year on Amex and I saved over XXXX XXXX rewards points ( about $ XXXX cash value ) on my account. And all are gone, they just wouldn't allow me to redeem them so I lost so much money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: LA
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 had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from Equifax. If they can not validate, please remove from my equifax credit report. The following accounts is what I am questing : Collections XXXX XXXX  Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00} XXXX  XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXX Opened XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
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 had an open mortgage loan with XXXX XXXX XXXX XXXX Acct # XXXX reporting date XX/XX/XXXX and an open date XX/XX/XXXX. Bayview Loan Servicing is reporting that I had a loan with them open date XX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States? 

I never had a mortgage with BAYVIEW LOAN SERVICING at no time in my entire life. I have enclosed my supporting documents to affirm the claim that Bayview Loan Servicing repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. Bayview Loan Servicing is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ). 

I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit Bayview Loan Servicing account should be removed from my XXXX credit report. 

I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: GA
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: Information belongs to someone else

Complaint:
There has been use on the dark web of my personal information and a name that I have never gone by at all

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 2022-07-14
Company: Celsius US Holding LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On the XXXX of XXXX of 2022 Celsius blocked all accounts from transfers or withdraws. 
At the time I have XXXX btc, XXXX XXXX and XXXX usdc. 
They blocked all accounts leaving us costumers with no control over our assets. 
XXXX do not return my emails asking for access to my funds and did not answer my calls. 
I do not want any thing els than my life savings that they hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/2021 at the Capital One branch found at XXXX XXXX XXXX, XXXX, MD XXXX, I was denied access to my funds. I was told that I would have to speak with the fraud department, who had apparently placed a freeze on all of my accounts. In speaking with the fraud department, I was not told anything specific as to why the accounts were being frozen or when I could expect the situation to be resolved. Capital One, in freezing myaccounts, has denied me access to my unemployment insurance money that is sent via direct deposit to my checking account, as well as all of my savings from, among other sources, my Federal Tax Return, my stimulus payments, and the sale of my house. Capital One placed this freeze on my accounts on a Friday before a holiday weekend during which the bank and the fraud department would not be working, and thereby extended the inconvenience and financial impact of this decision. I received one email message from Capital One indicating that my accounts were being restricted until Capital One can verify my recent account activity and threatening me with account closure andautomatic forfeiture of my account balances plus all interest earned based on the results of their review. I have heard nothing more from Capital One since that email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. charge-off with 3 different dates listed under " date of last activity '' XXXX XX/XX/2016 XXXX TransUnion XX/XX/2016 XXXX XXXX XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.

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 2019-07-29
Company: EQUIFAX, INC.
State: NV
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:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting, therefore it must be deleted asap XXXX XXXX XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EOS 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: Account information incorrect

Complaint:
Spoke to XXXX at XXXX XXXX was given the appropriate 30 days by law to investigate inquiries showing on my credit report that I did not sign or authorize, thye were taken off and then reinserted by XXXX. By law per section 611 of the Fair Credit Act a bureau is not supposed to do that without a notice. I was not notified and they were not authorized by me. The following inquiries need to be removed. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation