BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opene d a Barclays Aviator Red MasterCard o n  XXXX   XXXX ,    2017. Ba  rclays cla imed that I would be able to upgrade  my Aviator Red MasterCard to an Aviator Silver MasterCard 90 days  after opening the card.     I calle d Barclays o n  XXXX   XXXX ,  2017 and  was told that the card was n't 90 days old y et ( even  though it wa s ) so  I needed to call back after my  XXXX  statement closed for the system to reflect the age of the card. I thought this was odd, but called back tonight and the person I talked to and their supervisor said that the card ca n't be upgraded and that offer is n't available.     Basically Barclays lied. I 'd like the card upgraded to  a Silver MasterCard, o r I 'd like the account closed and the inquiry removed from my credit report for this false advertising from Barclaycard!

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 2016-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As per the debt collection agency - XXXX, the debt of {$64.00} was requested to be removed from all Credit Reporting Agencies in XXXX 2016. It is still showing on Equifax. See portion of communication from XXXX to CFPB - *** " In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX credit history in XXXX. '' *** I want this debt removed from my credit! ( SEE ATTACHED TRANSCRIPT DIRECTLY FROM XXXX TO CFPB-HIGHLIGHTED IN YELLOW )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Ive sent this company numerous request to provide verifiable proof for both XXXX XXXX XXXX  accounts. The failed to comply. Ive even sent them proof that the account doesnt belong to me and that XXXX  has already removed it and they continued to send it back as verified with no proof.

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 2020-12-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, our office manager XXXX XXXX, came running to my desk stating she received a message that we were past due on our electricity bill from XXXX XXXX. She handed me a paper with the information to pay the bill with a reference number. I ask her to come back to my desk so I can make sure it gets paid correctly. So she called the agent back I signed into the company account but we didn't have XXXX bill pay through our company bank account. I opted to use my personal bank account and I'll just expense it. First they gave the email XXXX to pay but my XXXX  kept stalling. So XXXX XXXX asked for an additional number because it wasn't going through. XXXX then handed me the phone he gave me a number XXXX to use with reference number XXXX and to screenshot the image and send it to XXXX to confirm. I did, he says he's going to confirm with management and puts us on hold I give the phone back to XXXX XXXX. She comes back to me from the front desk and states, the electricity was included with the rent. and that they would process me the refund to give them my number and request a refund. So I did, but then they stated to put in the request line a dollar amount {$4000.00} it was their code. That's when I told XXXX XXXX to hang up the phone we just been scammed and I immediately called my Bank, Bank of America. Bank of America, took my information and stated they would have a decision within 10 business days. I called and received the message they haven't come to a conclusion yet and are investigating with the other party to try and retrieve my funds it could take up to 45 days, I received a letter in the mail stating unfortunately they were unable to approve my claim. That Bank of America completed the transfers according to the instructions I provided them and therefore no error occurred.

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 2016-12-19
Company: CITIBANK, N.A.
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citi checking account on XXXX/XXXX/2016. The account offered a {$400.00} bonus if {$15000.00} was deposited within 30 days of opening the account and then kept in the account for 30 consecutive calendar days. The bonus was to be paid within 90 days of successfully completing these requirements. I deposited {$15000.00} into the account on XXXX/XXXX/2016 and no money was transferred out of the account until XXXX/XXXX/2016. As such the bonus should have been paid on XXXX/XXXX/2016 but I have not received it. I have had multiple communications with Citi ( email, online chat, and phone calls ). Each time they confirm that I 've met all of the criteria. They then proceed to open an " investigation '' which they claim will take no more than two days ( the last " investigation '' is currently 5 business days old, this has been similar for the others as well ). Two times ago after their investigation they said I needed to send in a form XXXX to receive the bonus. I have now mailed this form in three different times, the last two times confirming the send-to address with Citi, but Citi tells me they have not received it. The reps I spoke to this time, however, assured me that this would NOT keep me from getting the bonus.

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 2016-07-25
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I reached out to citibank with my inability to pay due to lost of income and XXXX. I was assigned a home specialist every time I called I would be on the phone for over 1 hour and no one knew what they was doing. Now I was assigned a new home specialist XXXX he stays in touch however I am be asked to supply the same documentation over and over again. I think citibank process is to discourage consumer to not to help them. My processhas been going on for 2 months with no assistance in site.

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 2017-03-20
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank acknowledged that I qualified for a promotional balance but did not pay when they said they would, and now are requiring me to file a XXXX for some reason.

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 2016-04-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX/XXXX/2016 I applied for a citibank double card. On XXXX/XXXX/2016 I received the card. before i got the card.my credit score was XXXX equifax.On XXXX/XXXX/2016 my equifax score dropped to XXXX XXXX/XXXX/2016 i paided the balance off. one week later my credit score dropped again to XXXX. On XXXX/XXXX/2016 I paided the balance off. Again it dropped to XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I canceled the card I was worried It would keep dropping.All I wanted to do was to get my credit score to XXXX so I could get the best deal on a mortage now I have to pay points

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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and  Transunion has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.

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 2022-07-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked this company several times to correct the personal information on my credit report. It has been such a struggle to get them to report the correct information. You continue to report addresses to my profile that i have not lived at. I will attach again the only and proper name, and address that should read on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my only employer. 
Please correct this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Vertical Screen
State: IN
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 is incorrect

Complaint:
The date of issue for my social security number is incorrect. I reported my actual final day of work, but was on leave for XXXX  months following, therefore still considered employed, which explains the discrepancy of those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: COMMERCE BANK
State: IL
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:
In XX/XX/XXXX I did not get a bill from Commerce bank and they put a negative remark on my credit history as missed payment. I have been making payment to them and even told their representative about not getting the bill but they did not pay attention to it and they even closed my account. I have paid the balance down since XX/XX/XXXX from XXXX to XXXX as of now. After they closed my account and put a derogatory remark on my credit report i have been denied credit by other credit card company to even increase my credit line so that i can start a new business. I am going through a hard time as a result of this action of Commerce bank without my knowledge and inspite of them putting my wrong SSN in their system which again gives me hard time to get to right person in timely manner through their automated system. 
I need this negative remarked moved from my credit history and this credit card reopened. I am willing to pay it off in next 60 days. Please help me I have a family to feed and I have been a very responsible person to pay down the credit card and this is really irresponsive of Commerce bank to do this to me without even notifying me and giving me enough time to fix the problem even though the problem did not happen because of my actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Radius Global Solutions LLC
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
A long conversation my name is XXXX XXXX @ am a customer of XXXX XXXX XXXX  and I got scammed for {$5000.00} and Im on XXXX making it barely check to check and I just dont understand how Im gon na pay it back but if someone could give me a call XXXX XXXX XXXX and anytime thank you and please give me a call so we can come to some kind of understanding thank you have a blessed day I have five cats that I take care of they help with my XXXX  XXXX loneliness I cant give them away Ive had 7yrs family my car need XXXX  worth of work happened last year on my good days I could run people places to help make ends meet and the people that was helping me helping me here and there cant its a mess all over the world lord be with us amen

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 2016-07-11
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX Advantage miles promotion. Promotion code : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. I still have not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank you,

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 2017-05-30
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As a   XXXX   that qualifies for {$17000.00} in loan forgiveness, I attempted to call my lender several times to discuss adjusting my payment plan or making a lump sum payment on the remainder of my loans that will follow the forgiveness. There are not any options to speak with a representative through the phone, and after sending several emails over  a two mon th span, I have yet to receive any response to my questions and concerns. The agency has continued to send automated messages threatening my credit, while ignoring every attempt I have made to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. In effort to clear my report of fraudulent information, I discovered that my name is incorrect. This further proves identity theft. The information associated with XXXX XXXX XXXX must be deleted

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 2022-07-08
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: Account information incorrect

Complaint:
This is in regards to account XXXX under XXXX XXXX on my credit report. All 3 credit bureaus are reporting that I have late payments with XXXX XXXX XXXX XXXX - XX/XX/2019, but this is incorrect information as I was not late on payments during this reported time frame. I have tried to resolve the issue directly with XXXX but they claimed to not be able to make any changes. I understand under my legal rights that any information that is inaccurate must be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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 belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When the pandemic started last year ( 2020 ) I contacted XXXX XXXX to request the deferment of my payments- due to COVID-19 and job-loss. XXXX XXXX was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and XXXX XXXX is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a college student 4 years ago and I had a new bank account and my card was stolen and transactions was made on a acct with XXXX dollar balance the bank was requesting me to pay nsf charge for something I wasnt responsible for.

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