BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: DISCOVER BANK
State: MO
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:
On XX/XX/2016 I received an unsolicited call from XXXX XXXX XXXX XXXX, for a website and an online store, I was told they could get this running in 2 weeks and making money in 3 weeks. 
According to the contract I signed I was supposed to receive the following services : A custom Website ; Business Entity Setup ( which they said was key for advertising ) ; Social Media Marketing Setup ( allowing customers to be linked and connected to my site ). 
But soon after I paid them {$7500.00} I never heard from them again. This is the reason I am filing this complaint, even though I called several times tried to get my money back and told them how I was not pleased by the way they were handling things, but they showed no remorse for what they were doing and completely ignored and refused my requests. I have been defrauded and seriously taken advantage of from another telemarking company offering nothing but lies and deceit! They did not provide what I was supposed to receive, and they knowingly did this! 
Please help me get my money back from these conn artist,  I know the FTC is cracking down on many companies such as these for selling deceptive work at home schemes, who have taken millions from consumers. 
Thank you in advance for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This summer I was a victim of employment fraud that involved American Express. I currently am obtaining information from the federal authorities on three continents as to the results of their investigation. The fraud department at American Express has been wonderful in working with me however, in theses changing times the current definition of fraud is insufficient. The card possession rule does serve to protect your customers as well as it used to. My case is a good example of how criminals are exploiting American Expresses procedures with other banks and in my case, XXXX XXXX XXXX. 

Specifically, my injury occurred between the time I submitted the payment and the time the charges came back as reversed/ insufficient funds. I would have expected XXXX XXXX XXXX to know who their account holders were as directed under the US Patriot act for banking. Second, I would have expected that American Express and XXXX XXXX to have alerted me to the fact that this reversal of funds/ insufficient funds in a reasonable amount of time. My experience was 26 days! During that time I saw payments post with clarity and available funds replenish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CITIBANK, N.A.
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2023-02-16
Company: U.S. BANCORP
State: OH
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:
This situation began when I purchased concert tickets on XX/XX/XXXX using my U.S. Bank credit card ending in XXXX. 
I then paid the balance in full. 

XX/XX/XXXX - I filled for a charge back because I was working as a traveling front line health care worker and would not be in XXXX  on the new date. 
I live in XXXX XX/XX/XXXX - The charge back was denied to me by U.S. Bank. 

XX/XX/XXXX - XXXX notified me by email that me concert was postponed until XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was CANCELLED and my REFUND WILL BE PROCESSED BACK TO MY ORIGINAL FORM OF PAYMENT. That card ( ending in XXXX ) had expired. 

I ordered a new credit card and was told that my refund would automatically post to my new card. 
( I was told by XXXX more service reps on subsequent phone calls that my old card and new card would be linked. ) XX/XX/XXXX - I requested a refund from XXXX. 
XX/XX/XXXX - XXXX emailed me that my refund will be processed within XXXX days. 

XX/XX/XXXX - I entered the credit card number of my new U.S. Bank credit card on my XXXX account so they could process my refund on to the new card. 

XX/XX/XXXX - As requested by me XXXX processed my refund back to my expired credit card ending in XXXX on XX/XX/XXXX but when I called U.S. Bank they told me they could not process my payment. 

There have been MANY phone calls and emails to both XXXX and U S. Bank concerning this refund. 

I am told by XXXX that the refund has been processed on their end and it is U. S. Bank that has the issue. 
I am told U. S. Bank that they can not process my refund. 

I have told them on multiple occasions that I don't understand why my refund is not being returned to me. 
I am under extreme duress due to this and need help to resolve and get my money returned to me. 

I called US Bank on XX/XX/XXXX to let them know I'm want to fill a UDAAP claim and they said they didn't know what that was and they couldn't help me. 

I have sent many emails and made many phone calls and have left a lot out due to the extent of my documentation. 
I can give any info that is needed. 
Thank you, XXXX XXXX.

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 2022-04-11
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Purchased a {XXXX} that qualified for Lowe 's 84 month fixed interest plan and had a second ticket that same day for {XXXX} that was wrung up at the store for 6 months deferred interest. We originally wanted all items ( both tickets ) on one ticket with the 84 month fixed interest terms. Minimum purchase requirements for the 84 month fixed interest was {XXXX}. The lowes clerk called the credit department for us and told us they added the smaller ticket to the bigger purchase with everything on 84 month fixed interest. Two years later I noticed my minimum payment dramatically increased and that they tacked on {XXXX} in interest charges. I checked my account and the smaller ticket had the 84 month terms ( which the amount didn't even qualify for those terms ) and the larger amount that originally qualified had been change to 2 years deferred interest. I was never told of this change at the Lowe 's here in XXXX XXXX. I went to Lowe 's on Sunday morning XX/XX/XXXX to question the charges and the best the store offered was to pay off the balance ( {XXXX} ) by XX/XX/XXXX to avoid the deferred interest. I then got home and called Lowe 's that morning at XXXX cst and talked to a " XXXX '' who put me on hold and the came back acknowledging the error on Lowe 's part and told me the interest was coming off and that I did not need to make payment. I confirmed repeatedly with her and she said it was fixed. I called the credit company back XX/XX/XXXX to double confirm and the rep I spoke to looked at the notes and confirmed I didn't have to pay ( which I was willing to do ). I was told by XXXX on the XX/XX/XXXX call the interest would be off by next next billing cycle which was " XX/XX/XXXX ''. That date came and the interest was still there. I called the credit company back yet again XX/XX/XXXX and that rep said it should be off by XX/XX/XXXX. That date came and it still wasn't off so I called back yet again on XX/XX/XXXX at XXXX and the rep I spoke to on that day said that " a request to change the promotion terms '' had been put it but it was not a guarantee that the terms would be changed. I asked about the interest and that fourth rep said I was locked in since I missed the XX/XX/XXXX deadline. I asked her why was told not to worry not once but twice by two different Lowe 's credit reps and she didn't have any answers or want to answer that question. My complaints are not just they messed up my account dramatically but they also misrepresented the situation to lock me into an interest charge I originally didn't sign up for. Any help at all on this would be appreciated..

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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
My auto loan was paid off on XX/XX/XXXX, and it is showing on my credit report that I am 30 days late! Capital One sent me a lien release letter to my address, letting me know I would need it, to sell, transfer, or trade-in my car, along with the title I already possess. I went to the secretary of state and took the lien release, to receive a free and clear title. I paid {$21.00}, for the secretary of state to do a transaction type, called " Correction Title Only '', and print off my free and clear title. The payoff amount that was paid is {$31000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TD BANK US HOLDING COMPANY
State: NC
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 have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This does not suffice after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : {$4000.00} a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the XXXX removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off

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 2020-03-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian has several new inquiries where I DID NOT Authorize them, the companies were contacted and nothing done, Experian has them listed and I have a phone number on file on my report that they did not call to verify it was me requesting these credit inquires, I have fraud protection on my file, they are required to contact or verify this ... instead they didn't yet listed them as valid inquiries ... all are without my knowledge or consent Listed : XXXX Inquiry Date : XX/XX/XXXX. I did not request nor was I called to verify by creditor BYMAILONLY XXXX  XXXX XXXX   Inquiry Date : XX/XX/XXXX I did not request nor was I called to verify by creditorPhone # : ( XXXX ) XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX BYMAILONLY I did not request nor was I contacted of this EXPERIAN BUSINESS Inquiry Date : XX/XX/XXXX I did not request nor was I called to verify by creditor XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I did not request this credit, now was I called to verify XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I did not authorize was told it would be removed XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I did not authorize, nor was I verified XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XXXX All above I did not authorize and want removed from my file

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 2021-08-18
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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: Account status incorrect

Complaint:
This does not suffice after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : {$4000.00} a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the amex removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
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 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 2019-01-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries reported into my credit profile. I am requesting for Equifax Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, in reference to my identity being stolen. Please reference to the following inquiry request as listed below. 

XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX  XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX  XXXX  XXXX-17 XXXX XXXX XXXX-17

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Ah unauthorized transaction of {$1000.00} was taken out of my account at an ATM and I dispute it once and they denied my dispute and I have disputed it for a second time but the second dispute is still under investigation the website mentions a provisional credit after the dispute is past 10 business days in the investigation and they are not giving me the provisional credit and it has been 2 months since the unauthorized transaction occurred I just want my money back. It is with American Express serve

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There is a hard inquiry listed on my Transunion report listed as XXXX. I contacted XXXX XXXX and the company confirmed that they processed no inquiries on my account. They also informed me that Transunion using their services to provide credit monitoring, but this should not result in a hard inquiry.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX is not licensed to collect in the State of Texas. They are reporting these XXXX accounts on my credit report without proper notification, reporting inaccurate dates opened because they bought the debt and without a license to collect : XXXX XXXX : Account Number : [ XXXX ] XXXX XXXX : Account Number : [ XXXX ] These transactions are reporting ILLEGALLY on my consumer report. Also, my name is XXXX XXXX, and not XXXX XXXX. Please delete it immediately, and send me an updated copy of my report please. 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 non-monetary relief
Consumer complaint received 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding their recent action of freezing my account without providing any explanation or reason. Despite my numerous attempts to resolve the issue, Capital One has failed to cooperate and instead directed me to call yet another telephone number, further frustrating and inconveniencing me. 

On XX/XX/2023, Capital One abruptly froze my account, which currently holds a balance of {$9000.00}. To date, no communication or notice has been provided by Capital One regarding the subject matter, leaving me in a state of confusion and financial distress. As a diligent customer, I have always adhered to the terms and conditions imposed by Capital One and have never been involved in any fraudulent or suspicious activities. 

Immediately after discovering the account freeze, I contacted Capital One 's customer service department on XX/XX/2023 to seek clarification and resolve this matter expeditiously. However, instead of offering assistance or addressing my concerns, the representative I spoke with simply provided me with another telephone number to call. This secondary referral has proven to be time-consuming and unproductive, as I continue to be met with automated responses and lengthy waiting times. 

I find Capital One 's lack of transparency and refusal to disclose the reason behind freezing my account highly unacceptable. Not only has this action caused significant inconvenience and distress, but it has also hindered my ability to carry out important financial transactions and meet essential obligations. 

Therefore, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and ensure that Capital One promptly provides an explanation for freezing my account. Additionally, I urge you to facilitate a swift resolution, which entails the unfreezing of my account without any further delays. Furthermore, I ask for Capital One to reassess their customer service protocol in order to prevent similar instances of uncommunicative behavior. 

I appreciate your attention to this complaint and await your prompt action to rectify this issue. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022, I requested a re-investigation with " EXPERIAN '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " EXPERIAN '' and they stated all accounts had been " verified, complete, and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " EXPERIAN '' with no response or information on this matter. 



15 USC 1681e ( b ) Compliance and procedures

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