BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a new vehicle in XX/XX/XXXX and was under the impression that I was trading in this car. Instead it was repossessed. Once I found out the car was repossessed the amount that is showing on my report is increased. They are stating the amount of the loan is more that it was originally. Therefore the car was sold in which I was never made aware of the amount that is was sold but the amount that is still showing on my credit report is wrong and derogatory and the balance is still updating every month although it is a charge off and balance showing incorrect. I do not know why the car was never traded in because that is why I was able to purchase another vehicle in which I have no problem with so this situation is reporting falsely on my report and has been.

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 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a checking and a savings account with Capital One. I have not used these accounts much in the last few years, as I spend most of my time outside the United States. Recently, I received some payments into the account, after providing the account number and ABA routing number to a friend who owes me money ( from a loan I made to her during the lockdowns ). Capital One has now blocked the account, but did not provide any information about the reasons for this in writing or by email. When I called them, after being on hold for more than 15 minutes, they told me that they believe there is something suspicious about the payments received in my account and that they will close the account, without paying out the balance of almost {$2400.00} in the account. I was of course shocked by this and asked them what I had done wrong - but they could not give me an answer. I then asked if they would communicate this decision and their reasons for it to me by email or in a letter ( with a strong preference for the former, as we are in the 21st century ), but to date they have done neither. This leaves me in the situation that I have a substantial amount of money sitting in an account, but can not access it and do not know what I have supposedly done that would justify this decision on the part of the bank. 

To me this feels as if the bank has stolen my money, without providing any valid reason for doing so and without even communicating this decision or any reasons to me in writing. Surely that is not possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Wrong addresses on file. 
I've disputed this information several times. 
I have never lived here and this address does not even exist. 
This address was made up by some one. It is fraud. 

XXXX XXXX XXXX XXXX La 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 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So I originally submitted a complaint about Bank of America asking me to a lot to money that was supposed to be in my possession as of XXXX of last year. Their telling me to get notaries signed and everything for something that makes no sense to me. I never got the check and now they want me to go out and spend money on stuff for their own leisure. This is downright disrespectful. So another complaint must be sent. They also have in their possession {$8700.00} in frozen assets from over a year now. Which is unfair and unjust. What investigation takes that much time And everytime I call them its a new lie and excuse as to why they wont release my funds. They finally sent me the paperwork shedding light on this. Bank of America needs to be sued via a class action lawsuit for this type of action as Ive read they keep doing this constantly to their customers/clients however they deem us. Somebody obviously stole my check or it was lost XXXX  which is on bank of XXXX part, but either way it seems like a big corporation like Bank of America is stealing money from me and there is nothing I can do about it but seek legal counseling regarding this matter.

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 2021-08-26
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
In XXXX of this year I received a promotional offer from American Express to apply for a 4.00 % interest rate on purchase for 12 moths. I called the 800 number to do so and provided them with the promotional code. The AMEX rep could not find it. It took her about 15 minutes and she found it but said she could not process it and sent me to their website. I look into the website and under their promotional offers and could not locate. I called back and was told I could scan the offer bar code which I did but it would not come up. I registered a complaint and received a call about 2 weeks later. The AMEX rep apologized, took down my information and said they would get back to me which they never did. I was going to put a golf club purchase of {$1200.00} using this promotional offer. I did not. I actually put it on my AMEX and paid if off the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, 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:
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX Credit usage 100 % Balance {$300.00} Balance updated XX/XX/2023 Credit limit {$300.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XXXX XXXX XXXX Account type Credit card Payment summary 2023 XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/2023 Highest balance XXXX XXXX Monthly payment {$30.00} Last payment date XX/XX/2023 Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

P.S! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX debt {$1500.00} pls verify and validate all data this inquiry was made without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: JPMORGAN CHASE & CO.
State: WA
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:
I opened a Chase Credit Card account last year. I don't need this credit card, but I opened to boost my credit. I closed out most of my credit cards due to fraud. My bank account was hacked last spring so I closed out most of my accounts. My credit took a hit. I am retired from the XXXX and have a good retirement and social security. I opened this account and received a paper statement finally. I don't use online anymore as I have been hacked and somebody is still watching my online key strokes and know when I changed my password which is frequently. I want to stay offline as much as I can. But too many businesses want to go paperless. That doesn't work for me. But hard for companies to send paper statements. As of right now I have kept one credit card. And have canceled the rest. So what Chase had done finally has sent a paper statement and charged a late fee of XXXX dollars. I called and canceled the card immediately. I tired of these companies taking advantage of veterans. They are not reasonable. I tired of their charges. I don't need any credit card. They don't want to send paper statements. That's the way XXXX due my bills. I tired of these businesses wanting to go paperless. The least they could do is send a email. Then I would know they got the payment. I gone back to writing checks and I won't do automatic payments. These companies are making a killing with their unjust Charges. They profiting off the consumer. I have a good payment record. I do need company like this nor do I need they service. I paid their fees and closed the account. I don't some company dictating there terms which is pages of garbage that you need a lawyer to figure what it says. So much for simple. I paid in cash when I joined the XXXX and never had credit card in my first 5 years in service. This is not the way I want to be treated. I have always done the right thing even if nobody 's looking. So if can look into this I would appreciate it. 
Chase. Don't need them nor do I want their service..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: Porania, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. 

In requesting documentation none was provided. Due to identity theft this should be removed.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-12
Company: CITIBANK, N.A.
State: FL
Product: Credit 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:
During XXXX I made a reservation at what was initially advertised as a hotel then once reservation submitted, hotel became XXXX. I immediately canceled reservation. XXXX XXXX ( the XXXX  ) appealed and Citi Bank ( Citi ) reversed the charges and credited my account. Then, XXXX XXXX submitted an absolutely fraudulent 2nd bill that I stayed at their XXXX  on dates I was NOT in XXXX. I have been diligently and aggressively interacting with Citi inclusive of monthly calls, sending them screen shots of information Citi has requested. And, I have offered multiple times to send them screen shot of my passport with visa data, as well as making transactions on my Citi credit card when I was in XXXX. Citi has listened and blown me off. Most recently, on XXXX, fraud supervisor told me she would work this problem out and get back to me in no later than 2 days. She never got back with me. 
And yes, I have kept meticulous records. As of today, XXXX, I have been told by another fraud supervisor that the case is closed b/c too much time has transpired. Point in fact, Citi has delayed taking appropriate action and is presently invoking bureaucratic jargon and procedures to NOT return/credit my money. As I submitted ALL the information Citi required this was the most basic of claims to resolve. XXXX XXXX most clearly perpetrated a fraudulent transaction against me via Citi and Citi was negligent in allowing this occur. Citi is responsible for protecting fraud against their card holders. It is abjectly clear, Citi failed in my case.

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 2021-08-25
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX - On this day, I sent the amount of XXXX USD using the WISE payment system. 
When filling out the details, an error was made in the company name, instead of XXXX, I specified XX/XX/XXXX, but all other details were specified correctly. 
The iaai company informed me that it rejected the transaction for this payment, respectively, the funds had to be returned to my account, which, by the way, was blocked on XXXX XXXX. 
WISE says that no funds were returned to them. 
That checking my account can take up to 60 days, but 4 months have passed, and we are not even one step closer to solving the problem. 
This payment system simply stopped responding to my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Caine and Weiner gave me the amount I actually owe XXXX and XXXX and I wanted to make payments ( 3 in total for both but had to split it in two because of separate accounts for a total of 6 payments ) and are charging me an additional {$7.00} per payment for a convenience fee. So XXXX XXXX in total conscience fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Better.com uses XXXX as a lead aggregator. The rates offered on XXXX differ materially from those offered on Better.com. This appears to be misleading advertising. When asked to explain Better.com does not respond. In addition, Better.com advertises online as being an online direct lender with easy applications. However, their website is broken ( multiple errors ), their integration with their primary credit agency ( XXXX  ) as well as secondary credit agency ( XXXX  ) does not work in my case. Better.com also advertises that they can be reached by phone. However, nobody answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: AL
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:
I disputed the Date of last activity on this alleged charged-off account XXXX My dispute was received by Equifax XXXX XX/XX/XXXX Equifax responded on XX/XX/XXXX saying they did a complete investigation on the disputed account yet the data furnisher has verified the information being reported as accurate. First of all Equifax said they did a complete investigation and in 7 days responded with an incomplete inaccurate report I disputed the date of the last activity data field yet the problem with Equifax investigation is that it did not furnish any date of last activity or date closed on the alleged charged-off account I disputed yet in their response they stated the data furnisher verified the date of last activity is reported correctly how does a data furnisher verified a blank field? The Date of the first major delinquency is also inaccurate the reported date furnished is XX/XX/XXXX yet the Payment Status code for XX/XX/XXXX is labeled 1 which according to Equifax means " Paid within 30 days of the due date or not one payment past due '' This is inconsistent data and both can not be correct either the status code is inaccurate or the date of first major delinquency is inaccurate! 

Equifax also did not furnish the date of the last activity or the date closed which violates the Metro 2 Standard of reporting which was issued by the Consumer Data Industry Association which governs how data is to be reported on a consumer report. How can you continue to furnish this incomplete account when USC Title 15 1681EB Specifically states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I went to the Bank of America branch in XXXX, New Jersey this morning for a {$100.00} certified check and was blithely told that I would have to pay a service fee of {$15.00}. I objected. The teller did nothing. A bank employee came over. I told him. He went to see the branch manager. He returned. He deleted the {$15.00} charge. I objected as I wanted to pay {$10.00}! He said no, the computer permits either full payment of the charge or no payment of the charge.

I told both the teller and this other employee that it was unconscionable and immoral to charge such a fee and when the Federal minimum wage is {$7.00} per hour. That went over their heads! 

I pointed out that the CEO of the Bank of America has a financial compensation package in the many millions of dollars! That too went over their heads!

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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One N.A is reporting to the credit agency XXXX that I have a charge off account with them. It was ruled in a civil court ( XXXX XXXX XXXX CAPITAL ONE N.A ) that this account was open fraudulently and is of no responsibility to me. XXXX and XXXX are not reporting this charge off account on my profile but XXXX is and that is in violation of the Fair Credit Reporting Act to provide maximum accuracy within the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection does not belong to me. I believe I am a victim of identity theft. I have never lived at this location, Ive never signed a lease, and the address linked to this fraudulent lease is not, nor has it ever been tied to me. Ive reached out to the property on several occasions over the past few years asking for a signed lease, and asking them if they have any ID of mine on file, or any camera footage from the day the lease was signed. I have reached a dead standstill. This colloction has since caused me to become homeless as I am unable to get property in my OWN name due to this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions 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:
IMPROPER USE OF MY CREDIT

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 2024-01-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian notified me yet again about dispute that I can see online which is a LIE and when I call and tell them I am also recording the conversation again the none XXXX speaking person HUNG UP

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