BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: Compass Recovery Group, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call yesterday XXXX from CRG representative who stated the she was calling let me know that I was being sued and that she had information regarding the current lawsuit with XXXX county court of collections or something of that nature. I asked who was calling and she we are with court regarding a lawsuit filed against by credit one. She asked me if I knew about the lawsuit I said no. She then told me about my history with card, I then said to her just to let you know this call is being recorded. She then hurried up and said, that this was an attempt to collect a debt. When I told her she violated my rights by threatening, and abusive behavior she lied and said she never said anything about an active lawsuit. I then told her that was against the law and I would file suit, she would take me off of the list. I then asked for the companies name, and address and she refused to give it to me. I then repeatedly asked for a supervisor and she gave me the information but I'm not sure if the information she gave was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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:
I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I have not been able to get a job, i have not been able to get approved for credit. I have not even been able to get approved for a XXXX loan in these hard times during this pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Three years ago i answered a complaint from XXXX & XXXX re : an alleged debt under my name. I answered and informed them that I was a victim of identity theft and requested documents which they could/would not provide under DISCOVERY including a 1099XXXX the case was assigned to a SUPREME COURT OF XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. back and forth then all of a sudden the case went quiet for almost three years. now I receive a letter application to convert pending action to E-filing. I have a police report of identity theft, another case was recently dismissed with prejudice because of this. XXXX XXXX XXXX has not and will not fulfill the elements of this process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Comerica
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XXXX  I have been locked out of my account so frequently that I don't have the exact dates. Last year it was all summer off and on for a three month period. This time I have been locked out of SSI Direct Express for more than one month. I have been evicted, unable to get my car out of impound, eat, and " daily living '' skills are not applied as my money is more than not frozenby direct express without explanation, notice, orfeaudelent activity. There has been no suspicious activity by myself. I am now rendered homeless. I have not received anything in writing, norhas any investigations taken place. I ask for that information and I am not give an answer. Often documentation I send Direct Express is denied when social security and the department of social services views my identification and tellsmeitisvalid. Social security says that they can no longer help me. I am borrowing money and doing without. Please help me. I amat a total loss as to what ro do andstronglyfeel myrights are being stepped on and that access to my account is not by me, Comerica the bank on emailed my debit card to another address in XXXX XXXX. Please help me regain my rights. They won't allow me to lose my account because they said I can not have my money that legally and rightfully belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: AMERICAN EXPRESS COMPANY
State: PA
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 opened up an American Express Platinum card from American Express over the phone. On the phone call I was promised a promotional reward of XXXX points for signing up if I made {$5000.00} in purchases in the first three months. I signed up for this credit card on XX/XX/2019. I spent the more than {$5000.00} on the card within two months but did not received the promised sign up bonus. 

I called American express to check on the status of the sign up bonus and they told me that after I had signed up they decided to review my account and determined that I would no longer be eligible for a sign up bonus. After contacting them they gave me a case number and said they would review it further as I had been told I would receive the XXXX sign up bonus on the phone. They told me they would email me with a resolution shortly. When I had not heard back after 3 weeks of waiting I contacted them again and they told me that they would not give me the sign up bonus for the credit card because I had previously received sign up bonuses on other American Express cards. 

I have exhausted my options dealing with the company and am disgusted by their bait and switch tactics. They promised me a sign up bonus of a certain amount over the phone and then failed to deliver it when I met the terms of the sign up bonus. They sure didn't have any problem charging me the entire {$550.00} annual fee immediately though! 

I would not have opened the credit card with them if I knew I wasn't going to get a XXXX point sign up bonus. I signed up under that pretense and they changed the conditions after the fact, which seems like a predatory tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX I came across an XXXX account called XXXX. I wanted to buy shoes and the account pressured me into using XXXX. I had tried giving my XXXX information so they could send me an invoice, they stated they dont take XXXX. I tried to use XXXX because I know they also have a goods and services feature. They then made up an excuse that their XXXX couldnt receive any more funds. I did not really understand this and was confused so I just agreed to XXXX because they suggested it but I didnt know that XXXX doesnt offer goods and services transactions. The total transaction amount was {$610.00} and the posted transaction date was XX/XX/. The XXXX recipient used the email XXXX with the name XXXX. They stopped responding after receiving the funds. I filed a claim with my bank, Wells Fargo, explaining that I was pressured into using XXXX even after I tried to use XXXX goods and services payment. I also disclosed to them that I later discovered the XXXX account was using stolen reviews from another business going by a similar name. I disclosed that this false information misled me into thinking the account was a reputable and trusted business. Wells Fargo responded with a statement that said they couldnt help me because the transaction was processed as requested however, that is literally how a scam works. The promise of a good or service and then not following through. Of course I authorized the payment because it was intended to be for an exchange of goods, however, they scammed me by never responding after that. 
As of XX/XX/ they have deleted their XXXX  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 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Capital One sent me an inaccurate letter stating MY insurance company has not provided information needed on my car loan with Capital One. They stated I needed to provide documents, but the letter did not address the documents that were required of me. It also stated if settlement proceeds are not received or they did not hear from me, they may pursue other collections activity, which would would have a serious impact on my credit bureau reports and result in additional fees and interest accruing to my account. My account was current, has never been late, and as of the date the letter was sent, the account was actually PAID completely off and to a XXXX balance. I called on XX/XX/XXXX, the day I received the letter to point out the inaccuracies within the letter, and to file a formal complaint with Capital One. They transferred me to the " office of the president '', but I was unable to lodge a complaint with them because they " were in a meeting ''. I could set up a call to have them call me back in 48-72 hours to lodge my complaint. I feel like this company has a poor set of procedures for ingesting customer complaints and timely responding to those complaints. The fact you have one group to accept complaints, and are unable to do so due to a meeting is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, there were a series of three XXXX withdrawals from my checking accounting with Wells Fargo. These three withdrawals totaled {$3000.00} and were not authorized by me, and were fradualent attacks on my account. I have tried numerous times to get this issue resolved by Wells Fargo and have my money refunded into the account with no luck, and them stating that their research showed the transactions were made through a secure online banking through me or someone who had my authority. This is absolutely not true and far from the truth - someone has stolen {$3000.00} from my account and for some reason Wells Fargo won't do anything about this. I did not authorize these transactions and someone has made off with {$3000.00} with no further action from the bank. I don't really understand how these transactions could be authorized by Wells Fargo and I would like my account to be credited back for the {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously

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 2019-05-03
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Commonwealth Financial, located at XXXX XXXX XXXX, XXXX XXXX, PA, XXXX ( XXXX ) XXXX, reported a debt in the amount of {$610.00} on XX/XX/XXXX.

Date of first Delinquency was in XX/XX/XXXX. I became Medicare eligible in XX/XX/XXXX-and provided said proof.

This company RE-AGED the debt on XX/XX/XXXX-impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2022 I paid {$150.00} to XXXX XXXX. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. XXXX XXXX had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face XXXX  with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: OH
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, the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXX Ally Financial for a late payment in XXXX of XXXX Account # XXXX XXXX  XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX ( XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with CitiBank in XX/XX/XXXX, and funded the account approximately 3 weeks later in XX/XX/XXXX. On XX/XX/XXXX, the account was closed without my knowledge and I was not contacted. I logged into the online banking system on XX/XX/XXXX and the money was gone from the acct and it showed closed. I have called more than 5 times and gotten 5 different stories that the account was closed due to suspected fraud, even though I transferred the funds from another bank and verified my account and personal information with them multiple times. 2 weeks later I dont have access to the money and am being told it will be longer. At one point customer service told me they would be reopening the account but that was a week ago. I have waited on hold for hours and gotten nowhere. I would like to have access to my money that I deposited.

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 2019-09-26
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I wrote a letter for forgiveness to student loan in the past and didn't receive any response!!! here is my story I'n XX/XX/XXXX I did not graduate H.S, was short by 2 English credits, along comes federal student loan trying to trick me into getting a federal student loan for the amount of XXXX.Also receiving XXXX grant money to go to XXXX XXXX colledge in XXXX , at the time I excepted the loan because they kept coming at me with it, everybody knows its a sensitive time after getting out of H.S, did they know where I was at in life! No, nor did they bother to care that I was an average student and didn't graduate! No, so not quite being ready for colledge I dropped out, I just wasn't ready and the reason being was from a injury that I received when I was XXXX XXXX XXXX XXXX   when I was riding my bike on the road by our house in XX/XX/XXXX ever since that incident I had a hard time maneuvering thru life with the simplest tasks, i also tried to get help like S.S., I went in front a judge on XXXX XXXX to get help and I couldn't continue because the judge non sympathetic and didn't care, so there go our beautiful system at work! so after years of no payments at all towards my student loan, it then got transferred to XXXX XXXX, then now present day to Navient just under {$10.00} all in accrued interest, to finish off back in XX/XX/XXXX I did some sort of electronic paper work with Navient or XXXX XXXX putting my loan into foreberence and hardship, now I'm thinking that was a grave mistake because it made the the loan harder to forgive, another one of their tricks that they don't explain to you.so there is my story!!! ps if theres anyone that can help please do so or pass it on to someone who would take the time to care and relieve me of this 37 year old financial madness!!! so it can be forgiven!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit reporting agencies were required to remove fraudulent information from my report within 4 days it has been over 2 weeks and I have not gotten a response and the fraudulent information has not been removed this is a violation of my rights

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 2021-11-22
Company: EQUIFAX, INC.
State: VA
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:
Provided XXXX police reports, an FTC identity fraud report and all required documentation to Equifax regarding fraudulent inquiries on my credit report over XXXX weeks ago and they are the only reporting agency that has failed to correct the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Good afternoon, Dear Credit Bureau Government Agent. How are you? I 'm sorry to bother you with my complaint. I was checking my credit report and saw couple of XXXX Inquiries that I never applied to, or even used their service. This is my second complaint about a different hard inquiry that I saw my credit report. I 'm just a student, and i never applied to this company. It 's called " XXXX Credit Card Cos. XXXX I wrote to them to remove the hard inquiry and asked, how and why they have my information. They would n't respond to me at all. Please help me to get this hard Inquiry removed. Fair solution is to remove this from my credit report. Since i havent ever used their service, nor did I try to apply for it! It 's improper use of my information. How could they use my information? Is n't illegal to use someone 's information without their knowledge? Thank you for listening to me and have a pleasant day dear Government Agent. 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 2023-11-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
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:
Citizens bank funded a system that was a trial done by my ex and they claim I owe the debt XXXX from the office of the chairmen assured me that the would try debt collection but this would not go on my credit but I checked my report and I lost XXXX points due to them reporting this to my credit

Company response to consumer: Closed with explanation