BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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: Their investigation did not fix an error on your report

Complaint:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2022-10-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check from my landlord for a move out deposit that was addressed to me and the other person on our lease, XXXX XXXX. Thelandlord text me and stated that XXXX XXXX has the check so I can receive it from him. I received a text from XXXX XXXX stating he endorsed the check to be deposited by me and informed me I may pick the check up and deposit it. ( all via text communication ). After I deposited the check and cut ties with XXXX, the landlord reported the check as forged. I contacted the landlord and recorded our conversation and informed the landlord that I was recording the conversation, and asked why he claimed the check as forgery. The landlord rambled on with deflection and clearly attempted to antagonize me and had several inconsistencies with his story. Chase will not give me any details on how it was justified that the check was forged. I went into a branch yesterday XX/XX/XXXX and a manager contacted the fraud department and the forgery claim was said to be removed off of my chase business account. After I left chase, my chase bank debit card was cancelled and I was unable to feed my family dinner. I contacted chase again and they informed me I need to contact the fraud department when they are open but I explained to them I already called once and went into the branch once and asked them if they can see those notes about my visit to the branch, and the manager lifting the restrictions from my account they said yes but I have to speak to Chase fraud department again. I received no notification from Chase or an opportunity to address the accusation and show proof of the landlords copy of the check and lease that he sent to me and XXXX, and has my name on it and that was deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am writing this letter to file a formal complaint against XXXX XXXXXXXX XXXX due to their mishandling of my account and their negligence in addressing my grievances in a timely and professional manner. 

On XX/XX/2022, I liaised with one of your representatives, aiming to close my checking account and XXXX XXXX XXXXXXXX XXXX credit card. I fulfilled the outstanding amount of {$260.00} to seal the closure. The representative verbally confirmed this action. However, a subsequent review of my credit report in XX/XX/2022 revealed a delinquent late payment tied to the very same credit card I believed was settled and closed. 

Upon contacting your institution on XX/XX/2022, it was confirmed that my account had indeed been incorrectly closed, leading to the erroneous delinquent charge. Though the account was reopened to facilitate a proper closure and an internal investigation was launched, I received no further communication from your end. Only after escalating the issue to the Consumer Financial Protection Bureau ( CFPB ) did I receive any acknowledgment. 

During this entire ordeal, XXXX XXXX XXXX, the designated enterprise specialist, consistently ignored my communications. Her eventual response was only on the brink of the CFPB 's deadline. Moreover, the subsequent investigation inexplicably denied the forceful closure of my account and even negated the existence of my business account. 

XXXX XXXX  XXXX 's inconsistency was further demonstrated in a letter I received on XX/XX/2022, which stated that my credit card had been closed per my request and was marked as delinquent, contradicting earlier correspondence. 

The repercussions of your bank 's errors have been manifold. Notably, XXXX has terminated my credit cards due to the unwarranted delinquency on my record. This, combined with the now tainted credit report, jeopardizes my imminent mortgage application. 

XXXX XXXX XXXXXXXX 's sheer disregard for this matter has been both alarming and distressing. The apathy and unprofessionalism shown by your staff are unacceptable. I expect a prompt acknowledgment of your bank 's mistakes and immediate rectification, notably the removal of the wrongful delinquency from my credit report. An official apology for the undue stress and inconvenience caused is also warranted. 

Should XXXX XXXX XXXXXXXX neglect to address this grievance effectively, I am prepared to resort to legal avenues to safeguard my rights. 

Your immediate attention to this pressing issue is anticipated.

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 2023-05-30
Company: Paypal Holdings, Inc
State: RI
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 balance transfer

Complaint:
I received a fake text from Phone number -> XXXX ( XXXX ) XXXX Thank you! for choosing PayPal_Inc Your payment for {$540.00} successfully confirmed. ( XXXX ID : # XXXX ) To cancel or Report- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: AMERICAN EXPRESS COMPANY
State: NY
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 XXXX  I applied for my 1st Amex Platinum card because of the XXXX open card reward, after applying for the credit card online, I called the representative, and he confirmed that I would receive the XXXX XXXX reward points in a few weeks. 
Fast forward to XX/XX/XXXX, I still didn't receive those reward points. In between XX/XX/XXXX to XX/XX/XXXX, I also called amex a few times to check the status of my reward points. They all told me i would get it in a few weeks. 
I called again in XX/XX/XXXX, but this time they told me there's no reward points for me. They didn't say why I couldn't get it! 
It was my 1st platinum card, I only had 1 amex credit card before and i never miss payments, my credit score is great. 

After many phone calls and chats with them, I told them to listen to the previous phone call recordings, they finally told me i was getting those points in written- in the chat. 
It was XXXX XXXX. 

Today, I still don't have it, I chatted with them again, but they told me I'm not getting my reward points. 

Out of all those credit card, I chose amex platinum, and spent so much money on it. But they are dishonest, they lied to their customers, they have wasted so much of my time, I would never ever use another amex credit card. 

I need my XXXX  reward points, and I'm sure I'm not the only one who experienced this, hope this company get punished for doing that to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Purchased a cell phone through XXXX XXXX who uses TD bank as financer. 

TD bank has an online payment system that does not allow customers to verify there banking account and routing number before submitting a payment. If the checking account number and routing number are incorrect TD bank charges a non waviable XXXX dollar check fee. 

To rectify the issue so that more fees do not incur I contacted TD customer service ( XXXX ) to verify that my banking information was correct. 

TD supervisors blamed me without proof that it must be the customer entering the wrong information and and with absolution could not be a computer system era on there end. They also informed me the only way to verify correct account info is to make a payment and risk being charged another XXXX dollar fee if the information is incorrect agian. 

As it stands I must make a payment to verify correct acount information and risk extra fees. 

This practice is intentional and predatory. 

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I woke up this morning to emails saying I applied for credit cards by the following companies. Wells Fargo and 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 2022-03-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2018-04-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase that I believed to be on my debit card with XXXX on XX/XX/2017 that was charged to my XXXX XXXX credit card instead. 

XXXX had switched cards between companys so no records of any debt were on my online account and no bills were sent to me. XXXX if there was any issue had the ability fo notify of any debits, but, likely due to inefficiencies did not until 3 months later where I was notified of a statement. Seems odd that they would not notify me earlier if there were any debts. 

This statment initially showed a dead, no balance account, as was shown when I checked in with XXXX in early XXXX. 

Despite this XXXX 's attacked my credit rating, has refused to correct the misreporting, and had penalized me in fees ( which I paid to stop the credit damage from them ).

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 2023-05-30
Company: Kashable LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with kashable 15 months ago. I have been making payments since then. 

They have added excessive fees and it should be investigated as a scam for innocent people who are being preyed upon by this company. I was given a loan for XXXX and received XXXX. Now they are saying I owe them over XXXX. I have paid over XXXX to this company and now they say I owe them over XXXX more. 

Itemization of Amount Financed : {$9700.00} 1. Amount given to you directly : {$8700.00} 2. Plus Amount advanced for the origination fee ( Prepaid Finance Charge ) {$460.00} 3. Plus Payoff of Current Loan ID XXXX : {$1000.00} 4. Equals Principal Loan Amount {$10000.00} 5. Less Prepaid Finance Charge : {$9700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wellsfargo wants me to pay to refinance or pay {$140.00} for the life of the loan. They said that when I signed the loan in XXXX of 2014, I knew I would have to pay $ XXXX/month for 360 payments. 
FHA help me get this mortgage. Thank You! But they let the insurance company profit from me for the life of the loan. Thank You, FHA.

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 2023-05-30
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a past due notice from Apple Card. I have never had nor do I currently have an Apple credit card. I telephoned the Apple Card specialist and gave them my information. The card has been stopped and now I am reporting it here and with the Virginia Police Dept. I had no awareness of this card until I received the past due notice, post marked XXXX XXXX, 2023. The email address on the card ( as referenced on the card ) is not my current email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I tried several times to purchase a sofa from XXXX XXXX but could not get customer service to handle my problems properly. When I did successfully purchase a sofa it came with the wrong fabric and flawed pillows. I returned it. A representative gave me a discount towards another sofa but I still had problem with getting accurate information from customer service and inadvertently lost my discount and had to pay an addition {$500.00} for my purchase.

They kept giving me just a little information at a time. I thought they knew how things worked and would provide me accurate information to complete my order. For the same sofa I was billed for 22 yards of fabric then 29 yards which came to more than {$300.00} additional dollars. Each time I called to discuss my purchased the solution was cancel the order, but I lost my 30 % discount had to pay the shipping cost. They would not honor it on my new order which was the solution given to address the problem I was having. If they had let me know the most of the fabric would cost over {$1000.00} I would have kept the order which I got the same sofa with the same fabric less 30 % discount and discount on shipping cost. Instead of paying {$2400.00} I am charged {$3100.00}. I want my discounts returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage mismanaged my property taxes and escrow account and has now created a hardship for me to pay an additional estimated {$400.00} per month on my mortgage due to their negligence. Freedom Mortgage overpaid on my property taxes by approximately {$2000.00} and wanted to issue me a check separately in the amount of approximately {$1400.00} ( an amount they stated was due to me which caused my escrow balance to be depleted ). This check has not been received or cashed. Now Freedom Mortgage has included this additional payment to my mortgage due to their negligence. Freedom Mortgage has not assisted me with correcting this issue and continues to say " oh well ''. Their negligence could cause me future hardship with my credit rating, meeting other necessary monetary obligations and noone is willing to assist with Freedom Mortgage 's NEGLIGENCE!

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 2020-06-12
Company: BCI FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Following the filing of a Complaint with your office, City National Bank drained my account. So far they have not informed me of the disposition of almost {$6000.00} the account held! 

I reached out to the Bank this morning and I do not believe they will respond to me! 

I have an open complaint with the bank on file with you/ Claim number active on file is XXXX relating to the ho0ld on funds! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 51 minutes ago ) to Dhaanwatie, XXXX, XXXX Thank you for your continued callousness and non communication! 

I see that as of this morning, my Account balance is at XXXX! Please make ABSOLUTELY CERTAIN that this account is CLOSED, effective today! 

Also please confirm disposition of the funds that the account held! Because it contains STIMULUS money and Social Security funds, please confirm these funds will be reimbursed to me and provide a timeline on disbursement of funds being returned to me! 

Your response will be shared with the Financial Protection office! 

I can not say it has been a pleasure working with you! It certainly has not! 

XXXX XXXX XXXX Please note that beside the banker I have also e-mailed the President of City National Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputes ( XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX. XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine XXXX XXXX not mine PUBLIC FILINGS US BKPT CT IL XXXX not mine XXXX XXXX XXXX. XXXX XXXX {$110.00} not mine XXXX XXXX. XXXX XXXX {$130.00} not mine

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 2017-06-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I called Citibank about a Home Depot job for gutters. The job number is XXXX. Some one named XXXX said he would file a dispute on it. He told me not to pay on the balance of XXXX dollars at that time. He said adjustments would be made later. A few days later I got a message about the dispute that I could not open and then I found that I had been charged a late fee because I did n't pay on the bill. I talked with them twice and although I could n't open their letters, they said that their disputed department said they could not file the dispute since the job was older than 90 days old even if I did still owe XXXX dollars. They did take off the late fee but they never even made an attempt to make things right for me about the gutters. <P/>By all appearances Citibank has teamed up with Home Depot to bilk people out of money for work that is not even close to being decent. When I talked with the so called installation manager for Home Depot, he asked me if I had leak protection on the gutters. I told him the gutters did n't channel the water and we had a water fall affect in various areas. The biggest problem with home depot is that they do n't keep commitments about calling or coming. <P/>Citibank has been quick to try and add late fees to my account even though I am really paying early and not late. They failed to inform me of anything going on with the dispute and at this time, they are showing my payment as late. They are in my opinion as irresponsible as Home Depot. I want assistance please.

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 2018-10-05
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX 2019 a rep from Messerli & Kramer PA stop at my parents address and talked to my sister and asked if lived there. She informed them that I do not currently live at the address. Then was asked if I would be there any time soon, she told them she was unsure. The rep then handed her an open letter which was a communication from a debt collector. Giving the name of the original guarantor, name of the collection agency, notice that I was being sued and my name on it. Even after my sister told him several times that they where at the wrong place and should give this directly to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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