BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2022, I received a mailing from CITIBANK. It advertised that by opening a new CITI Miles Ahead Savings Account, I can earn AAdvantage bonus miles. The miles would be added to my CITI American Airlines Advantage Mastercard. The mailing clearly states that all I need to do is open the account, deposit {$50000.00} and maintain it for 60 days, and then wait 90 days for 40,000 miles to appear. Please look at the attached mailing. So on XX/XX/2022 I deposited {$50000.00} into a new Citi Miles Ahead Savings Account. Today is XX/XX/2022. The {$50000.00} is still on deposit. I've called CITIBANK 6 times over the last 3 weeks. When I ask how soon the miles will get credited, I get a different answer every time. The last time I called, I was told that they couldn't locate a promotion code attached to that account. So I mailed a copy of the actual literature to CITIBANK, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, along with a cover letter. Still waiting for a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  - XXXX XXXX Account # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX, XXXX Account # xxxxxxxx XXXX ; XXXX  XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX ; XXXX  XXXX  XXXX Account # xxxxxxxxxxxxxxxx XXXX ; XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX XXXX  Account # xxxxx XXXX ; XXXX XXXX XXXX XXXX Account # xxxxx XXXX ; XXXX XXXX XXXX  Account # xxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: DISCOVER BANK
State: MN
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:
Back in 2020 I signed a purchase agreement for new appliances, and services to have all these appliances set up in my home. However they said a week after I signed an agreement that the appliances would not be connected because of covid. So I was not ok with that ; as I signed an agreement to have all services installed and working in my home. So I cancelled all appliances and services with XXXX XXXX, and they totally agree with this, and I do have a voice recording of this. However ; discover will not remove the charges, and they are harassing 's me ; and they keep on adding more charges to my account, I am so tired of these games Discover is playing, and want this issue resolved. I closed my account with discover back in 2020, and cut up my card, decided that I am done with discover as well as XXXX XXXX. I want this taken care of so I can move on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX LLC ( XXXX XXXX Bank XXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX  has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-10-25
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX made a billing error on my account. I've contacted them numerous times to fix this account, to no avail. In total, I've spent 10+ hours on the phone with company to get the billing error corrected and each time promised that it would be resolved. The alleged amount of {$51.00} ( which is an error ), is now on my credit report. The company that is reporting the amount on my credit report is IC system. I have disputed the amount electronically with IC System in XXXX and XXXX of XXXX via XXXX XXXX dispute process and the amount is still showing on my credit report. As a result, my credit score has now dropped by XXXX  points which is impacting my access to credit and how I conduct business and my personal affairs. In addition, this has caused undue unnecessary physical and emotional distress. The dates that I contacted XXXX XXXX XXXX and was promised resolution of this account are as follows : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was also sent an email on XX/XX/XXXX by XXXX XXXX XXXX XXXX escalations acknowledging that the billing amount submitted to collections was incorrect.

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 2017-04-26
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mid   XXXX  - I applied for a refinance loan throug h TD Ban k. My original mortgage was through   XXXX   XXXX  . At the initial application m y Homeoweners insura nce was through  XXXX  with a  XXXX  policy effective date.     During the closing process, I was able to get a cheaper rate through  XXXX   XXXX   XXXX  .      XXXX  I paid  XXXX   XXXX . in full with an effective date of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I emailed TD bank and notified them of the change and provided receipt of Payment. Also, asked them to update the closing documents as no escrow accrual was needed since new policy was paid in full.     -- -- -Original Message -- -- - From :  XXXX   XXXX   XXXX   XXXX   XXXX    Sent : Tuesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   To : 'Jeffcoat  XXXX   XXXX   XXXX   XXXX  Cc :  XXXX  XXXX  XXXX  ;  XXXX  XXXX  XXXX  Subject :  XXXX  :  XXXX  Payment Receipt For  XXXX   XXXX  Hi  XXXX   ,  Please see the receipt of Payment on my homeowners, please let me know if you need any additional information.        XXXX / XXXX / XXXX  - Closing date. Closing document reflected a 5 month escrow at {$580.00}. I questioned this with the lawyer and he said  TD w ould notice this and refund the amount that was over escrowed at closing.      XXXX / XXXX / XXXX  - I asked TD to look into the insurance escrow - No response.      XXXX / XXXX / XXXX  - TD informed me the escrow was only looked at annually and I would need to wait a year to get my money back.     Original Message -- -- - From :  XXXX ,  XXXX  F [ mailto :  XXXX  XXXX  XXXX   XXXX  Sent : Wednesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX  To :  XXXX ,  XXXX   XXXX   ;   XXXX ,  XXXX   XXXX  Subj ect : RE  :  XXXX  Payment Receipt For  XXXX   XXXX  I will let the closing manager know to reach out to you to discuss. They do not refund money out of the escrow account. Only the servicing department does that and they only consider these requests on yearly basis. Thanks.      XXXX   XXXX   XXXX   | Lending Team Manager  | Retail Credit and Loan Originations Mailstop :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  T :  XXXX  | F :  XXXX  NMLS ID #  XXXX   TD Ban k  , America 's Most Convenient Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed this XXXX XXXX XXXX  account from my credit report about 3 years ago that appeared as some joint account. To my surprise Equifax has reinserted it to my credit report with out no warning also they didn't give me a letter 5 days after reinsertion. which is in clear violation. I feel like this was an attack on me due to me first contacting the CFPB last month about another issue. Now they are targeting me and if this doesn't resolve it I will definitely file a lawsuit against them here in XXXX County because of this. 

In accordance with the requirements of the FCRA as stated below, *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had multiple fraud transactions on my account from companies that are not authorized too debit bofa closed my account after they issued me temp credit i went ahead and submitted police report too bofa too no avail they have not helped me or refuse too help its been over 7 months now when i call claims department they say the same thing still waiting for someone too look at claim very unacceptable this is my money thats been debited without authorization.

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 2022-09-30
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Previous case number with Truist : XXXX CFPD Complaint ID : XXXX This has been submitted to Truist and CFPB previously, please see information above. 

On XX/XX/2022 I logged into my Truist mobile app and it asked me to update my preferences ( online or mail delivery of mortgage statement ). I saved my preferences and immediately got an email forwarded to me from XXXX XXXX ( ex-spouse, we used to share the mortgage, I assumed the VA loan when we were divorced, the mortgage/loan is ONLY in my name ) showing my preferences. 

I checked the mobile account and nothing was showing with his email ( XXXX ), but I notice my name has been changed back to XXXX XXXX XXXX XXXX. 

The ONLY email on my account should be XXXX. The ONLY person should be XXXX XXXX XXXX. 

XX/XX/2022 : XXXX XXXX  Called online support ( XXXX ) and spoke with XXXX. She went to look for email, call dropped. 

XX/XX/2022 XXXX XXXX  Called and talked to XXXX  in Customer Care. He wanted to send me to Mortgage but I know from previous experience they can't help. Was sent to... 

XXXX XXXX. She searched for the email address several times and did not find anything. Nothing else she could do. 

Called XXXX XXXX ( XXXX ), first call was dropped but then spoke to XXXX. Gave him my case number and he said the case was closed and wanted to transfer me to XXXX XXXX. I told him I had been on the phone with them for almost an hour this morning. He said he would have someone call me and then he hung up. 

I have been dealing with this for far longer than I need to be. I am scared to make payments on my account or add additional payments to my account because I am afraid my ex husband will see them. We are divorced with XXXX kids and I need to keep my finances separate from him. 

This is absolutely ridiculous that this is still going on.

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 2022-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
ON XXXX XXXX I RECEIVED AN EMAIL FROM " XXXXXXXX XXXX '' STATING I WAS CHARGED {$350.00} FOR SERVICE AND THAT IF I DIDNT WANT THE SERVICE TO CALL XXXX. I CALLED THE NUMBER AND " XXXX XXXX '' TOLD ME HE NEEDED TO ACCESS MY ACCOUNT THROUGH MY COMPUTER. HE THEN SHOWED ME A SMALL BLACK SCREEN TO TYPE MY NAME AND THE AMOUNT OF {$350.00}. HE OBSOLETED THE DECIMAL LEAVING AN AMOUNT OF {$35000.00}. HE TOLD ME HE MADE AN ERROR AND REFUNDED ME {$35000.00} INSTEAD OF {$350.00} AND THAT I NEEDED TO GO TO THE BANK IMMEDIATLY TO WIRE THE MONEY BACK. HE COACHED ME TO SAY " THAT HE WAS A FAMILY FRIEND ''. XXXX XXXX XXXX FROM WELLS FARGO ASSISTED ME. HE ONLY ASKED " ONE '' QUESTION ... '' DO YOU KNOW THIS PERSON? '' HE NEVER PULLED MY XXXX OF BANKING WITH WELLS FARGO HISTORY TO SEE THAT IVE NEVER MADE THESE TRANSACTIONS IN THE PAST. I WAS OBVIOUSLY IN DISTRESS AND HE FAILED TO PROTECT MY ACCOUNT. THE WIRE TRANSFER OF {$34000.00} WAS INITIATED WITHOUT EXTENSIVE VERIFICATION. XXXX XXXX TAKEN THE EXTRA STEP AND ASKED TO PHONE A FAMILY MEMBER. I WENT BACK HOME WHERE XXXX XXXX PHONED ME AGAIN. HE TOLD ME " NOT '' TO ACCESS MY COMPUTER OR BANK AT ALL OTHERWISE I WOULD LOSE ALL MY MONEY. AROUND XXXX I CALLED MY DAUGHTER TO TELL HER WHAT HAPPENED. SHE IMMEDIATLY BECAME DISTRESSED AND RUSHED TO MY HOUSE. WHEN SHE GOT THERE I WAS ON THE PHONE WITH XXXX AND HE TOLD HER THE SAME, NOT TO DO ANYTHING. SHE KNEW THIS WAS A SCAM. WE CALLED WELLS FARGO XXXX XXXX AND FILED A CLAIM. XXXX FROM WELLS FARGO CLOSED MY ACCOUNTS AND OPENED A CASE REGARDING THIS MATTER. WELLS FARGO HAS FAILED TO RETURN MY MONEY. I AM A RETIRED WIDOW OF AN XXXX VET AND THIS WAS MY LIFE SAVINGS. THIS IS ELDER FINANCIAL EXPLOITATION. THIS IS ELDER ABUSE AND HAS CAUSED EXTREME XXXX AND ANXIETY. I DONT FEEL SAFE OR SECURE BANKING WITH WELLS FARGO. IVE SPOKEN TO A PREVIOUS " XXXX XXXXXXXX '' EMPLOYEE OF WELLS FARGO AND SHE TOLD ME PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT ITS CUSTOMER. IVE ALSO SPOKEN WITH A TRAINER OF WELLS FARGO AND HE HAS TOLD ME THAT PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT THEIR ELDER CUSTOMERS. WELLS FARGO IS INSURED TO SEND MY MONEY BACK.

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 2023-02-23
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
JEFFCAPSYS at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Coinbase global says I dont have an account Ive contacted them several times since XX/XX/2021 its about those guys the Feds arrested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a natural person, I am a living human being, I have rights under 15USC 1681 ( a ) accuracy and fairness of credit reporting XXXX is governed by 15USC 1681and they have violated my rights by furnishing unauthorized inquiries to my credit report, also pursuant to 15USC 1681 ( n ) civil liability for willful noncompliance- 15USC 1681 ( n ) ( a ) is liable to that consumer in the amount of any actual damages sustained by the consumer not less than {$100.00} dollars and not more than {$1000.00} dollars. I demand that the accounts listed below removed from my report. XXXX XXXX XXXX  - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 -- I demand these hard inquiries removed from my TransUnion XXXX report/file, XXXX XXXX  XXXX XX/XX/2022, - XXXX XXXX XXXX, - XXXX  XXXX XX/XX/2022, - XXXX XXXX XX/XX/2022, - XXXX XXXX XXXX  XXXX XXXX, - XXXX XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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:
In accordance with the Fair credit Reporting Act OFFICE OF THE ATTY GEN Acct # XXXX, XXXX acct # XXXX has voilated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My family was looking for a cat breeder. We came across this websitXXXX XXXX  : XXXX and they had an available kitten that we liked. We spoke to the breeder via email and she sent us numerous photos/videos of the kitten. We applied to purchase the cat. We went through a lengthy " interview '' process where they determined if we were a suitable match for the kitten. Eventually we were approved. The breeder is out of state and we arranged for shipping ( We have done this with two of our other pets, so we are familiar with working with out of state breeders. ) on XX/XX/XXXX I signed a purchase agreement and sent the deposit for the cat via XXXX, {$1300.00}. This was all very standard. The breeder claimed she never received it which was the first red flag. XXXX transfers are immediate. I asked her to double check and never heard from her again. The email communications stopped and we never got our kitten. 

On XX/XX/XXXX I reported this to bank of america ( my bank connected to XXXX ) and around XX/XX/XXXX bank of america denied my claim stating that I willingly sent the transfer and they would not do anything further. 

This was a very legitimate looking business with a professional website, email service, purchase agreement, etc. I am appalled that we lost {$1300.00} to this very elaborate scam.

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