BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-17
Company: Grant Mercantile Agency
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: Public record information inaccurate

Complaint:
Apparently I got charged for an ambulance from Grant Mercantile which they did not sent the bill to my home address, to find out from my credit score that I have a closed account. I contacted the hospital and talked with a guy and a lady both on different dates for not mailing me the bill. They say a lot of things that sound useful and helpful but is sad because is not true. I need to help to get the bill send to my address please. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2021-05-17
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it may concern, I went into a financial agreement where XXXX XXXX was given the power of attorney, They created a settlement with the company in question and all payments were made on time. Ad Astra Recovery Services ( Speedy Cash ) settled with me and XXXX XXXX for {$1500.00}. 
This company agreed to reflect that this account is paid in full. The representative of Ad Astra signature is shown on the document. As of XX/XX/2020 all payments were made to this company in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whomever it may concern, The excessive junk fees charged to my AMEX cards for an account that is : ( 1 ) in good standing and never missed a payment/had late payment.

( 2 ) only had payments returned because of negligence on the part of XXXX Bank. 

I had several issues with my XXXX debit account this year, which led me to sending a message to XXXX inquiring about potentially closing the account. They responded saying they were closing the account once it hit XXXX balance. In fact, the messaging from XXXX bank said : " The account will close when there are no pending transactions and there is a XXXX balance. If your account has a positive balance, we'll mail you a check for the remaining funds XXXX business days after the account is closed unless you transfer those funds to another account. '' Because this account is a secondary account in which I do not keep much money, I decided to just spend the remaining money on payments towards my credit cards and transfer the remaining money to one of my XXXX XXXX accounts. XXXX Bank then proceeded to deny my transfers to XXXX XXXX in addition to denying my credit card payments, despite there being more than enough money in the account to cover the costs. 

Although American Express is not liability for XXXX Bank 's administrative errors, AMEX is liable for continuously charging inordinate fees for issues that are well beyond consumer control. They did something similar to me last year when XXXX XXXX had to change my account number due to fraud. Not only does AMEX charge a fee for such an error, they charge THREE FEES for a single payment, amounting to three {$29.00} charges ( {$87.00} ). This is essentially an {$87.00} charge per mistake of another banking institution. This is clearly predatory behavior, and likely illegal under consumer protection laws. 

I am currently in XXXX, but before I left the country, I called AMEX on three separate occasions, wasting over an hour of my time on hold for them to say they will " escalate my concern, '' only to do absolutely nothing to address the inordinate fees charged to an account of a responsible customer that has never had a late payment on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 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 2023-04-20
Company: Bread Financial Holdings, Inc.
State: VA
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One Spark Business solicited a business credit card in XX/XX/2020. They offered {$1000.00} cash bonus if {$10000.00} is spent in the first three months, {$0.00} fraud liability and unlimited 2 percent cash back on every purchase. They provided a reservation # and an access code to apply online. I applied online and my application was approved with a credit limit of {$5000.00}. I started using the card. 
Through XX/XX/2020, I charged {$2700.00}. It was paid in full on XX/XX/2020. 
Through the next billing cycle, charges were {$4400.00} which were also paid in full in a timely manner. The balance was {$0.00}. 
On XX/XX/2020, I ordered face shields for {$46.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ), on XX/XX/2020, vacuum cleaners for {$180.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ), on XX/XX/2020 trimmer for {$21.00} ( Shown on statement : XXXX, no other information such as order number or contact number was provided ) and on XX/XX/2020 cell phone cases for {$43.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ). 
As we never received the merchandize, we contacted Capital One to obtain vendor contact information, however we were never provided with the information. As such, we could not contact the vendors. Then, we contacted Capital One to place the four items in dispute. At that time, as a standard practice, they asked me for the last four digits of my Social Security number. When I gave the number, they said it did not match with the number on their files. They asked me to provide a copy of the social security card, copy of the driver license and a copy of the utility bill to prove that it was me. 
All the documents were submitted to Capital One by email. Capital One came back saying the social security number still did not match. They permanently restricted my account. They would not entertain any request those four fraudulent activities.

In the meantime, I returned one of the other items I purchased from XXXX  and the vendor credited that money, {$26.00} to Capital One card account. Capital One is also refusing to return the money. 
I charged close to {$7200.00} in just over a month and would have charged more than {$10000.00} to earn my cash bonus. 
Capital One did not let me use my account to earn that bonus ( {$1000.00} ), they did not take any action against the fraudulent activities ( {$290.00} ) and is not returning the credited amount ( {$26.00} ). 
We contacted Capital One several times to obtain the merchant information. We were never given that information from Capital One, so we could not contact the vendors. 
Copies of the original offer and of credit card statements are attached for your use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: MidAmerica Mortgage Inc
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
While securing our mortgage we had to include escrow fees up front..After 2 years now with them switching names back forth ( still the same company ). Now they say I am {$1700.00} short on my escrow..Their answer raise my payment {$500.00} for 1 year = {$6000.00} XXXX My original payment was {$1700.00} ... New payment $ 2,242..I actually believe they are trying to force my wife and I into default which they calmed this month since I did not pay the extra last month while trying to work things out the paper said I owed {$2700.00} while talking to the representative about the situation .. She stated I owed {$2900.00} to meet my obligations.. I am a XXXX veteran and this has put my wife and I in financial bind .. Truck payment or house payment ... I do not know exactly what or You is behind this ..But Im asking You what are my rights as a XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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 regarding the incorrect items on my credit report It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: IN
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX & XX/XX/XXXX XXXX Wayfair charged me late fees, {$29.00} on XX/XX/XXXX & {$40.00} on XX/XX/XXXX. I spoke with customer service and they agreed I was not late and they agreed to refund my late fees. I had never been late before. The late fees remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called American Express to close the American Express Gold card.

During the call they presented some offers to keep the card open. After some negotiation, it was offered to cover, with existing points, the annual fee already charged, plus additional points after some spending. 

American Express failed to follow what was agreed. 

The annual fee charged has not been covered with points as agreed multiple times via phone. It was confirmed multiple times. I was even asked for a special security code to confirm the use of points. I was asked for this code twice. 

I contacted American Express customer service about this, via chat. The bank now denies, in writing, that I was offered to cover the annual fee with points, and only confirmed the part of the offer where I need to spend to receive points. 

I request CFPB and American Express to review the call made on XX/XX/2022 around XXXX XXXX 

Banks like American Express are very rigid when asking customers to follow terms, I've read horror stories about American Express, but as seem here, they fail to follow their own Terms- and I ask, what happens to them? Nothing?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There is fraudulent activity on my credit report. I recently received my XXXX copy B from this IRS from both XXXX and XXXX XXXX XXXX XXXX XXXX XXXX The IRS accepted both documents I filed XXXX with XXXX and XXXX with XXXX. 
I expect these accounts on my credit report to be resolved immediately due to the Securities Exchange Act, as well as the Federal Reserve Act Section 29, 12 CFR215.11, due to breach of fidicuary duties.

My consumer rights have been violated and there are numerous UCCs that support my claim.

15 U.S. Code Chapter 41 15 U.S. Code 1693 UCC3-419 15 USC 1692a ( 3 ) 15 USC 1681a ( c ) 15 USC 1602 ( i ) I am aware of both the indenture trustee and trustee of both XXXX and XXXX XXXX XXXX and if this matter isnt resolved, I will have to take legal action within 30 days of notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I placed an International consumer money transfer in the amount of {$4000.00} XX/XX/2022, from XXXX Bank  XXXX XXXX Bank  in XXXX, XXXX, XXXX Bank of America. This complaint is directed against Bank of America for failing to fulfill its responsibilities as an intermediary, by obstructing the progress of the wire transfer, by not responding in a timely manner to inquiries and amendments from XXXX Bank  or from XXXX Bank. Furthermore, Senior XXXX investigator XXXX XXXX, who was tasked with investigating this particular wire transfer via a complaint I filed with Consumer Financial Protection Bureau, was unable to make ANY progress in the investigation due to obstruction by Bank of America, who do not respond to her inquiries in 9 days. XXXX XXXX has now requested an extension. Bank of America is not cooperating with, or not participating in, the investigation mandated by the CFPB, thereby interfering with my due process and obstructing my right to a fair and just investigation and a fair and just outcome. 

I believe this lack of transparency is part of a deliberate and concerted strategy of Bank of America to obstruct this investigation, in order to run the clock on the transfer, have the XXXX XXXX   return the transfer, obfuscate the details regarding the transfer, and then deny me access to my own funds. I am forced to conclude that they plan to keep my {$4000.00} and hide behind their lack of transparency and their wall of deliberate silence. In other words, I believe that they are committing organized institutional theft by a bank against its consumers. 

The {$4000.00} original money transfer was received in XXXX Bank headquarters, but could not be assigned to beneficiary account due to incorrect beneficiary account name and number. I was advised by XXXX to file amendments for beneficiary account name change and account number change, in person through XXXX bank employee XXXX, and then through XXXX Wire Disputes XXXX XXXX I filed Beneficiary Account Number amendment once and I filed Beneficiary Account Name amendment twice through XXXX Bank. I filed a request for Wire Transfer Return once. XXXX Bank filed request for XXXX  199 several times. 

It appears that Bank of America failed to transmit any of these amendments to XXXX Bank, failed to transmit the request for money wire return to XXXX Bank, failed to respond to XXXX Bank 's inquiries for additional information, and failed to participate in, or cooperate with, the investigation demanded by the CFPB. 

I wish the {$4000.00} be returned to me immediately or the next complaint will be with the Attorney General.

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 2018-12-10
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a foreclosure letter several months ago in XXXX. It was showing missed payments but not on correct dates. After finally figuring this out through my lawyer, the payments were caught up to date and the payment went directly through the law firm so there was a definite payoff trail. In a letter dated, XX/XX/XXXX it is stating we know have a forecloser date of XX/XX/XXXX stating again, the old amount and saying there has been no payment since. I have the payoff that my lawyer sent directly as well as every cleared check for each month after. 

Before, we were on autopay and never had this problem. As soon as we filed bankruptcy they canceled that even though no other company did. This was simply an opportunity for this company to hope we defaulted due to our perfect auto debit record so they could take advantage. 

I would appreciate, as I have already told this company, to have my auto debit reinstated and my account open to me. If my account can not be accessed, how am I suppose to know what has been paid and when it cleared. Closing access to my account due to bankruptcy that does not even affect this company is absurd. They are only trying to take advantage of a hard situation. 

Attached is the payoff in XXXX as well as the additional three payments the company is claiming I missed. You can clearly see all payments are made and have cleared my bank.

Company response to consumer: Closed with explanation