BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed the above file # XXXX ( 2 ) times in the last 60 days. The pay status is showing account 60 days past due, also shows 60 days late XX/XX/2015 and 30 days late XX/XX/2015. This account was paid on time and paid off. Each dispute Trans Union responded back to me Investigated and no change. Well the creditor ( XXXX XXXX XXXX XXXX ) sent me these 2 letters with apoligies and a {$25.00} gift card for the trouble and they instructed Trans Union to correct the account pay status as Paid/Closed and payment history XXXX XXXX and XXXX See attached documents. Trans Union has refused, and still reports false information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.

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 2020-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
my phone was stolen i went to check my bank of america bank account and noticed there was a pending deposit of a check in my account that i did not make i immediately called the bank and told them that my phone was stolen and i think somebody is trying to do something with my account so i closed my account and the rep told me that was a good idea and she was glad i caught it. about two weeks later i tried to open my account back up and they told me i could that i was red flagged and now i cant get a bank account.

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 2016-11-17
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
J.H. Portfolio is believed to be about the XXXX fourth party that this account has been transferred to. I am not in agreement with the balance that the mentioned party here has listed on my credit report ( s ). Therefore, I will attach a Letter of Explanation about this situation, in order to help explain my dispute.

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 2020-04-10
Company: CITIBANK, N.A.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Greetings, I have submitted a complaint a couple months ago in regards to a scam/fraud that I was involved with in XX/XX/2019. The Executive Response Unit from CITIBANK was assigned to me to work on this investigation with " XXXX XXXX. '' I have tried to get in contact with her to follow-up on this investigations with no response or updates.

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 2020-04-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On Friday, XX/XX/2020 I went to the Customer Service counter at Walmart, XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I indicated that I wanted to send a MoneyGram to a fellow XXXX in XXXX. 

They asked for my ID, asked who I was sending the money to, how I knew this person ( we are fellow XXXX with a relationship between our XXXX ), what was the money to be used for ( food ). The customer service representative ( a misnomer ) insisted that this was a scam. 

I tried to explain my relationship with the recipient, though not understanding why this person was the judge and jury for whether or not I would be able to send the money. She said she would not send it but would get her manager. 

The manager arrived and asked the same set of questions. When I questioned why this was necessary she said that " federal laws require that I ask these questions, '' and that it was up to her whether a MoneyGram transfer could occur. 

When I had answered her questions with the above information and she was unwilling to help, I suggested that she was being a bit unreasonable. She then told me she would not send it. 

Embarrassingly, and very much out of character, I used a profanity and left. I went to another location and sent a XXXX XXXX transfer without a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: Paypal Holdings, Inc
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
After reading about the recent billing problems with PayPal credit, I decided to go back through my statements to see if there were any discrepancies on my bills. I have had an account with them since XX/XX/XXXX. Admittedly, I should have caught the problems before this, but the accounting errors are so small that I honestly overlooked them when paying my bill:XX/XX/XXXX : eBay purchase for {$99.00}. System shows this as the order total. PayPal reflects they charged {$100.00}. While this could be shipping, eBay 's system states " see description '' under shipping but yet they show the order total at {$99.00}. Therefore, I believe no shipping was charged. 
XX/XX/XXXX : eBay purchase for {$100.00}, but PayPal lists charge at {$100.00}. Obviously, this XXXX works in my favor, but this is still an accounting error. 
XX/XX/XXXX : eBay purchase for {$99.00}, but PayPal lists the purchase as {$100.00}. 
XX/XX/XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase at $ XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase as $ XXXX needed, I can give you my entire eBay purchase history and all of my statements through PayPal. It is also worth noting that PayPal credit 's online system often does not order interest free due dates correctly which can make it quite confusing when trying to pay off items before their due date. The customer has to sift through all the dates in order to figure out which one needs to be paid off XXXX in order to avoid interest. I know the credit card companies do not order expiration dates like this. For example, it might order it like this : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. I have a screen print of the ordering that I can include for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Paypal Holdings, Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, I received a letter from PayPal, dated XX/XX/XXXX, stating that I was automatically being signed up for a credit card and that it would be sent unless I opted out via there website. As far as I know, it is illegal for someone to issue a credit card in your name without your consent. What if I didn't get the letter, or not in time? If this is not illegal - it should be. I'm sure I'm one of millions who received the same letter. This must stop. Please stop them from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I had a XXXX card from XXXX. I had the card on Auto payment and every month, the card was automatically paid in full every month which XXXX debited from my checking account. The XXXX card servicing bank was switched without my approval from XXXX to Barclay 's bank in XX/XX/XXXX and a new mastercard account, with a new account number, was automatically opened for me at Barclay 's bank and the balance was transferred. Barclay 's bank turned off the Auto Payment unbeknownst to me. When I discovered that the my XXXX credit card account was not paid automatically as before, I paid it once I discovered the account was transferred and the auto payment feature stopped. Barclay 's bank then reported my payment to all the credit agencies that I was 30 days late. However, even after disputing with Barclay 's bank and the 3 credit reporting agencies, Barclay 's Bank continues to report on my credit report that " I made '' a late payment which is hurting my score and my ability to access credit and the best rate. This was not MY doing it was THEIR doing. I do not have any other late payments on my credit report in the history of my file which started in XX/XX/XXXX. The lower credit score now indirectly costs me more money through higher rates and less advantageous credit offers.

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 2017-05-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
I had gotten my  BMO Harris  debit card stolen on   X/XX/17   and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the onl y one. I h ave an installment loan with BMO and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XXXX    XXXX   payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX     XXXX    was made for $   30+ and  ca used my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  BMO  when canceling my card and caused the payment for  XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come  X/XX/17    I received a phone call from  BMO  's credit reporting office and was informed my payment was  30    days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XXXX    XXXX   payment that totaled out to {$100.00} and then the next day was in fact double charged for  XXXX   XXXX  overdue payment which put me at insufficient funds once again. BMO has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.

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 2017-01-25
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX in XXXX I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone XXXX payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from XXXX XXXX XXXX stating i needed to make XXXX payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.

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 2019-12-04
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Target Red Card statement ( through TD Bank ) became available on XX/XX/2019. I paid my bill in full on Thursday, XX/XX/2019 in the amount of {$620.00}. 

On Friday, XX/XX/2019 the funds were pulled from my checking account. 

On Saturday, XX/XX/XXXX, I attempt to use my Red Card to make a purchase and my card was declined. That is when I discovered that my available credit had not changed, even though I had paid my bill approximately 8 days before. 

On Wednesday, XX/XX/XXXX, I log into my Red Card, and see that my available credit still has not changed. 

I call the 1-800 number, and the first person I talk to claims that the reason my payment has not been applied is because the money has not been withdrawn from my checking account, that it is still pending. I tell him that is not the case, the money had already been withdrawn. He then says its because theyre waiting for confirmation from my bank to make sure my payment isnt fraudulent. I have made numerous payments on my card, all from my same checking account, and there has been no issue. I asked to speak with a manager at that point since the story kept changing. 

When speaking with a manager, he told me that the information I was told originally was incorrect, and that it can just take several weeks to process a payment. I ask why it takes that long, the money has been out of my account for 12 days at this point, and I am unable to use my Red Card until my payment goes through because I have no available credit. The whole purpose of getting the Red Card is to save 5 % on my purchases, so at this point it is not doing me any good. 

He offers to keep me on the line while we call my bank so that they can confirm the payment has cleared my account and he can adjust my credit. I tell him I am uncomfortable with that, because if we do that I need to confirm lots of information, including a security code that only my bank has. He says that is my only option, otherwise I just need to keep waiting. 

I asked several times where the money is while its in limbo and he said he has no idea.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$500.00}  XXXX  Gift card in   XXXX    back  two years ago. I used {$250.00} of the balance of the card. Last year my   XXXX    account got suspended without further explanation but my gift card was still linked to that account. Because of that, I can no longer use the {$240.00} remaining balance of that card. I tried to contact the company for a whole year already but got  pushed around between department. The last time I contacted them was    X/XX/2017 .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Fraud dispute filed with Bank of America on or around XX/XX/XXXX for a charge of {$670.00} on my Customized cash rewards XXXX. This charge labeled " XXXX XXXX " occurred on XX/XX/XXXX. This transaction was completely un-authorized and charged without my consent and knowledge. On XX/XX/XXXX Bank of America declined the dispute and reassessed the charges to my credit card bill without providing any evidence or reason as to why. Today XX/XX/XXXX I contacted the Fraud department to reopen the case and find out why they had not sent me any information regarding the decision. I also provided them with information and additional facts that should easily identify this fraudulent charge as fraudulent. 

Those facts are : XXXX. All XXXX transactions were supposed to be blocked on my account in the first place. This charge should have been blocked from the get go and never gone through. 

XXXX. Bank of America had originally flagged this charge as a fraudulent in the first place, but still let the charge occur. Bank of America and I both have the text messages sent to me from them marking the charge as fraudulent. I work in XXXX a majority of the time. Therefore, I don't receive any domestic calls or texts. It was when I arrived back in the US that I received the text messages and promptly reported the fraud. This was XXXX weeks after the charge occurred, well within the time-frame allowed to report the fraud. 

XXXX. This transaction is well outside of my consumer spending habits. I have never spent over $ XXXX on the credit card. Usually for gasoline purchases as its a cash reward credit card. A {$670.00} charge is well outside of my spending habits, and should have immediately marked the charge as fraud. 

XXXX. I was never sent any information on why this dispute was reversed.

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 2016-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX charge automatically defaulted my billing to " paperless '' ... I was told that unless you uncheck it to decline it automatically defaults when paying online. I had received paper statements and generally pay it off in full whenever I have used it. Therefor it is n't a " usual reacurring '' bill.

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion refuses to update. I files ftc reports against them. I have automatic payments on my account it closed and automatic paymnets where still set upupdated but transunion and XXXX refused I was never late I had automatic paymnets

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