BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CAINE & WEINER COMPANY INC,  i was contacted by this company about a debt i was presumed to owe   XXXX   XXXX   (  XXXX  $  ).  I asked kindly for them to forward something in writing. they stated they already had and would not do so again. I tried to explain i had no record and that possibly i had misplaced what had been claimed to be sent. still no luck, then i tried to further explain that with all the robots and scam collection efforts in this country that i really needed this confirmation, I received no less than  4  calls from the same collections person presumably in California, same thing each time, they did insist i contact progressive, I asked if they were the ones servicing the debt? answer yes, again asked them to confirm by mail and assured them we could do something about the debt than all would be happy, still no luck they were unwilling and somewhat inconsiderate and unhelpful in the collections attempt, also disputed was the amount, they would have no part of this, ultimately  XXXX  did contact me about an error in the amount (  XXXX  $  )! !! but by this time the debt had been reported to the credits agencies b y Caine & Weiner.  it would seem unfair if not illegal for a company or person be able to report a debt for collections if they are unwilling or unable to service a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
I have an  XXXX   XXXX  card which is supposed to pay 5 % on supermarket purchases after an yearly limit of {$6500.00} at 1 % is met. My reward year resets every  XXXX . I met the {$6500.00} in  XXXX  and was receiving 5 % in  XXXX . Suddenly in  XXXX , I did not receive 5 % for another  XXXX  at supermarkets ( instead only received 1 % ). The reward year again reset in  XXXX . So, I was forced to spend {$13000.00} in a single reward year.     I was not paid the difference inspite of several hour long calls in which the representatives were not able to explain why I did not get it, but they still would not credit the difference and kept raising the issue at different departments. I am finally giving up after explaining this to several agents over several hours. I appreciate if you could look into this and credit me the cashback I rightfully earned.     Account  Ending  in  XXXX . Name on account  XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
Company: Experian Information Solutions Inc.
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:
After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX credit  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

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 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received a text from XXXX saying Bank of America XXXX XXXX : Did You Attempt {$360.00} At XXXX # XXXX? Reply YES OR NO. Case XXXX To Opt Out Reply STOP. I responded No. 

I received a call from XXXX and spoke with XXXX XXXX. I asked for his ID number ( XXXX ). He sent the following text Bank of America : To cancel online username and password send Username/Password/Cancel. I responded with my XXXX He texted this number in a hyperlink : XXXX. I didnt click on this link. XXXX not sure what the number was for. 

I got disconnected once and the called back XXXX. 

He told me someone from XXXX GA was trying to take {$3000.00} out of my account. He told me the safest place to put the money was XXXX because I wasnt sending it to anybody. He sent me a code and to tell him the code I received. That was a confirmation code and I saw {$2000.00} go to XXXX XXXX. I said I thought it wasnt going to anyone and he said That is my supervisor and it will will show back up in your account in XXXX minutes. They then transferred the rest of my balance from my savings account into my checking account. Then they did a second XXXX transfer of {$1000.00}. They asked for the second XXXX code, which I gave. 

We hung up and I was concerned about what just happened. I had questioned him throughout our conversation and was offered reassurance. I asked my XXXX what area code was XXXX and was told Hawaii. I immediately called Bank of America XXXX and reported the incident. They closed the account and stopped them from taking out {$800.00} more. They tried twice and both were rejected. 

I received a notice from Bank of America saying they were not going to refund the {$3000.00}, but the case was still open as they were attempting to get the funds back from another bank. I have attached XXXX letters from Bank of America. 

I have tried to call XXXX at XXXX. I got the following message : Thank tor calling XXXX support. If you are having a problem with XXXX, call your bank. 
I was not given an opportunity to speak with a XXXX representative. 

I have saved the text messages and notes I took. Your help with this matter is much appreciated. I am retired, living on social security and this has greatly impacted my financial stability. Thanks again for you help. 

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 2019-10-04
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it Concerns, I received a discounted offer from Debt Recovery Solutions on a debt of {$920.00}. The offer from DSR was to RESOLVE and CLOSE this matter with a payment of {$450.00}, before XX/XX/2019. I did make this payment on XX/XX/2019, but the delinquency is still being reported. 

I have disputed this error with receipts, proof of my payment and Debt Recovery Solutions mailed offer. It has been more than 3 months since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent letters to Transunion requesting an investigation into the information reflecting on my credit file. They never responded to my request so on XX/XX/XXXX, I filed a complaint with CFPB ( complaint # XXXX ) regarding Transunion failure to obey the law by violating my consumer rights. According to USC 1681i ( a ) ( 1 ) ( a ), '' if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct an investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30-day period. '' Transunion failed to follow this law and they are continuing to disregard the law, clearly!! 

On XXXX XXXX I received correspondence from Transunion addressing 6 of the 16 items that was disputed. The letter had a date of XX/XX/2023 ( coincidentally ) but one of the items that was listed in this letter from Transunion, was not removed from my credit file until a day later on XXXX as my membership with myFICO informed me of this changed on that day. So basically, not only did this company fail to respond within the 30-day period allowed by law, but they also then tried to cover it up by only responding after my complaint to CFPB was filed! I have the proof of this and will attach it to this complaint as well as the original complaint.

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 2023-05-01
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Allegedly on XX/XX/2017 this account was opened according to XXXX. But their is no paper trail at all on my credit report form XXXX everything is blank. On XX/XX/2017 XXXX & XXXX states this account was opened. XXXX has it marked as a charge off and XXXX marks it as paid off. Due to the inconsistencies between the 3 bureaus and incorrect information I'm sincerely asking you guys to please remove this derogatory account off of my credit report. I'm a military veteran that is trying to do major things for me and my family like get a bigger vehicle and purchase a home but this is one of the things that has me pigeonhold. As per the Fair Credit Reporting Act which touches on the the right to address incorrect information on your credit report, please remove this account I ask humbly. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: LA
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:
Inconsistent information being reported still showing past due when charged off. Date open is inconsistent from each credit bureau. 
XXXX date open XX/XX/2019 XXXX date open XX/XX/2019 Experian date open XX/XX/2019 Past due XXXX Disputed

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) has violated my rights. 

This is a medical bill that was reported on my credit report. The bill was entered with the incorrect medical code and provided to my health insurance. My health insurance will not pay it as it was never corrected by XXXX XXXX. I am unable to purchase my dream home with this negative remark.

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 2021-12-04
Company: Mercedes Benz Financial Services
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Issue : Mercedes Benz Financial Services Title Release Dispute on XXXX yr. old XXXX XXXX  XXXX XXXX I am writing to request your assistance, and confirm my FCRA Rights, in re. to a now " XXXX '' campaign to secure a " Title/Lien Release '' for my " XXXX XXXX XXXX XXXX. 

XXXX had previously agreed to the release, accepted a {$20.00} release fee, and abruptly reversed the release based on an alledged " {$7000.00} '' refin balance from XXXX that I have consistently disputed, and XXXX has repeatedly " declined '' an " audit '' to allow cross reference of " cash payments, '' many made via a " 3rd Party Collection '' entities, XXXX. XXXX XXXX, and a now defunct XXXX XXXX and XXXX XXXX Bank XXXX XXXX many payments still yet unconfirmed. 

" XXXX has " acknowledged in writing that they have no interest in pursuing collection, '' yet, refuse to release the Title This matter is urgent in that the vehicle, can't be registered/tagged and has accumulated over {$2400.00} in DMV Parking tickets for expired registration/damage vehicle, and must be moved post-haste and sold as salvage. The current estimated value is now {$250.00} of which I have offered to pay XXXX for the Title Release. 

The vehicle was a " lemon, '' that over time amassed a staggering {$30000.00} in repair costs! There are other and more egregrious issues as well with XXXX that triggered costly and long-term damages : 1. FCRA Violation : MBFS : Action or Failure to Report " Original Loan '' of {$37000.00} to Credit Bureaus causing irreparable credit issues over a 10+ yr period. ALL PAYMENTS WERE ON TIME, BUT MOST WERE UNREPORTED forcing a much-damaged credit score, credit declines and XXXX. XXXX admitted the error, and only corrected it in XXXX- too late to remedy the reputational damage. 

2. FCRA Violation : Refinanced Balance : XXXX has " refused an audit '' for the past " 11 yrs. '' to confirm payments made in cash via XXXX XXXX and other XXXX party entities to resolve an alleged balance of {$7000.00}. They also " declined '' settlement thus balooning the balance despite repeated written and verbal attempts at resolution! 

XXXX. FCRA Violation : RE-AGED The Acct : XXXX repeatedly r '' e-aged '' the refinance amount beyond the allowable statute of limitations causing repeated and major damage to my credit worthiness! 

Your office is my last option for guidance! I welcome your immediate reply!! 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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:
One main financial 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX, XXXX ; XXXX/XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed XXXX {$7100.00} XXXX XXXX XXXX BalanceOwed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX : XXXX XXXX  ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$57000.00} ; XXXX XXXX ( XXXX XXXX  XXXX  ) XXXX Balance Owed : {$3700.00} ; 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 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 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
kept my {$79.00} annual fee. They also kept giving me bad information over  the phone.I receive d   XXXX   XXXX   XXXX   credit card  XXXX  from Bank of America soon after  XXXX   XXXX ,  2017. In  order to get my  XXXX  reward points from them I needed to spend {$1000.00} within 90 days. I quickly spent over {$1000.00}. What I did n't realize was that a {$20.00} return went against this credit card. I watched  XXXX  to see if my bonus points had posted because I was planning a vacation. I called Bank of America on  XXXX   XXXX  to find out where the points were. The representative told me that I only had {$990.00} plus on my account, but that my 90 days were not up and I could make a purchase and get my points. I immediately made a {$10.00} charitable contribution online on  XXXX   XXXX .     I kept being told that my case number  XXXX  was pending. I was promised resolution dates that were miss ed three time s. Today, I was told I would n't get my bonus points and I cancelled my card.     Bank of America charged me a {$79.00} annual fee for this card. It was worth it to me only because of the bonus points.     I spent {$1000.00} on this card within the contractual 90 days. Bank of America did n't give me my bonus points and has kept my {$79.00} annual fee.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX XXXX XXXX  : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX -XXXXXXXX- XXXX1-XXXX -XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one froze my checking account on XX/XX/XXXX. They will not tell me the reason. Since that date they have not given me a reason why the account is frozen but only tell me the account is under investigation. It is my opinion they are committing conversion and illegally seizing my funds. 
I called customer service XXXX and was told there are restrictions on the account but no notes. I was told the bank is terminating banking relationship with me but still will not give me a reason. They told me they would issue me a check after their investigation is completed. They have no time frame for when this will be resolved. I asked for a call back but they do not call back. This issue has gone on for a month and a half. I have called the customer service number and the customer protection team many times and left messages for a call back and to escalate this matter. Neither of these departments are able to resolve my issue. I walked into a bank and they told me after review of the notes in the capital one system there is no reason stated why my funds are frozen. They can see the funds are frozen and there is an investigation but no reason provided. The bank manager tried to resolve the issue himself but was not successful. They issue a tier XXXX complaint on XX/XX/XXXX on my behalf. The bank case number is XXXX. Still no one has contacted me and the matter is unresolved. Can you assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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