BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account with Wells Fargo in XXXX of 2023. 90 days after depositing at least {$500.00} I was supposed to receive a {$320.00} promotional bonus. I never received the bonus and no explanation was provided for why. The agent could only tell me the promotion was not available for my account even though I opened the account using the promotion code provided.

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 2019-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am being foreclosed upon by Countrywide, Bank of America and XXXX XXXX XXXX. 

I filed a complaint, your file number # XXXX I learned today that I have to file a complaint individually of each institution. 

Not only am I being foreclosed on because I could not make payments from XX/XX/2018 until now, the loan balance is nearly triple the amount that it should be. I'm asking for a Reinstatement of my mortgage and can only consider new modifications at a significant lower mortgage principal loan amount. 

In addition, the mortgage Companies are trying to take my lot that I purchased along with the house. I did not Finance my lot with them. The Banks have no interest in my land Their actions of inflating my principal mortgage balance has and still causes me and my family unjustly harm. 

I purchased my home with 70 % down. They have flipped the ratio. 

It was purchased for my business, pay for my last child 's College education and retirement. It has greatly devastated and disrupted everything by them stealing my homes 's equity.

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 2023-10-10
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I ordered king crab legs from a XXXX add XX/XX/XXXX or XXXX 2023 for {$74.00} for a party. The add said they come from XXXX. It was free 2 day shipping in dry ice. I never received crab legs. Website that was in XXXX ad no longer exists. When I tried to go to website afterwards it kept re directing me to a website that sells clothing and accessories! After repeated attempts to get information from American Express I decided to file this complaint. I have reached out to XXXX  multiple times letting them know I did not receive what I ordered they said when they reached out to the company that the company said they sent me something and the date they said it was delivered. I explained the only thing I have received in mail was a cheap pair of earbuds ( I did not order ) but it was not from company charging me. I asked what the company said that they sent me, XXXX would not tell me I asked for copy of response from company XXXX representative said she would email it to me she did not, instead she sent an email letting me know how to file fraud charge. Which I had already done. They closed the case I filed another complaint then I called and said it would not let me send finish filing the fraud charge complaint because it was for same reason as before and that one had been closed because the company said they sent me something. So she took information over phone and kept saying well its been several months since the charge! I said I know and I filed a fraud claim immediately when what I ordered was not received when promised, so she filed fraud charge again then they closed both because they said I started one on internet that was open ( I could not complete ) and then called and submitted again so they couldnt have XXXX open at once for XXXX complaint. So they closed BOTH! I call again guy says company making charge said you received something, this time he gave me a tracking number and shipping company. So I went online typed in tracking # it showed nothing I emailed shipping company asking them to send me information on the tracking # they never responded. This has been going on for months now. The simple fact is I ordered consumable crab legs that was supposed to arrive in 2 days they never arrived. The company making charge says I received something but no one knows what it was or has proof that it is I ordered. I have repeatedly requested the information from American Express which they never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 received a reinvestigation results response from XX/XX/XXXX reinvestigation results from report number XXXX, which I made under FCRA 611 ( a ) regarding an erroneous item on my credit report. 

I included an official letter on my dispute received from the clerk of the United States Court stating they do not " share any information with Credit reports or 3rd Party agencies and XX/XX/XXXX keep confirmed that have verified these accounts, I wonder who has verified if United States Court stating they do not share any information with Credit reports or 3rd Party agencies.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XX/XX/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 2019-04-03
Company: Financial Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Why are companies allowed to spoof local numbers to call? The person told me that my payment was rejected when I check my bank I see payment has cleared. I make the payments I can afford at this time and the person was rude about this started to get aggressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 2022-10-13
Company: U.S. Auto Sales Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got sold a bad lemon car through us auto sales. The car broke down within 60 days of purchasing. They didnt want to fix the car through warranty because my agreement was written incorrectly and I didnt sign the new contract. I need it off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was initiated with this company and immediately sold to my current mortgage holder. Probably a year later I received constant calls asking me to refinance. I asked to be placed on the do not call list and the solicitation calls persisted. I contacted corporate who suggested I block the number. I spoke the managers of the location who ensured me it had been addressed and for a short time it appears it was. Fast forward a couple years and then last Tuesday I was contacted by them again! A young lady named XXXX who would not provide her last name or the names of the managers at the facility. 
Prime Residential Mortgage XXXX XXXX XXXX, XXXX RI XXXX All Im trying to ensure is that I never hear from this company again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Credit Plus Inc
State: NY
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:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I send out an email to experian, XXXX & XXXX regarding my credit score is wrong in other words my score should be XXXX and not XXXX cause I made on time payments and i have a long history on time payments which helps me boost my score so I ask them in the email that why my score has drop from XXXX to XXXX all the sudden without a reasonable explanation and their answer was none

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a XXXX XXXX card from capital one. I provided my SSN, Drivers License information, and other identifying information and was approved. 

After receiving my card in the mail and trying to use my card for the first time, I was told it was " Locked for Fraud '' and asked to provide additional identification. I provided the requested information and kept getting told it was not enough despite it containing all the information they requested. 

They could also see I currently own a different Capital One Credit card for over 10 years, and it had the same identifying documentation and was in good standing. 

After multiple attempts with Capital One 's customer service I was left with a hard credit inquiry on my credit, and an unusable credit card since capital one can't figure out what identity documents they need. 

After searching this issue on the internet, it appears Capital One is approving everyone, then demanding identity documents people may not have. Even my passport wasn't sufficient .... This is fraud / bait and switch. I will never do business with Capital One again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To start Chrysler Capital is one of the worst companies I have ever had to deal with. My lease is up XX/XX/XXXX and it is showing my account was closed out XX/XX/XXXX and I have a charge off on my account. How can my account be closed when I am still making payments? I have talked with multiple people at Chrysler Capital including the executive office and they all say that I have made every payment on time and that I was never reported. Somehow it shows up on my credit report and now no bank will offer me a new car lease with this falsely reported incident. This needs to be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
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:
XXXX I order a XXXX XXXX XXXXXXXX XXXX XXXX XXXX The driver never showed up so I canceled for a refund. The company sent a email that I would get my money back. I uploaded the email to Chase supporting documents. Chase said the company sent a copy of the cancellation policy. I canceled to get my money back because no services were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: DISCOVER BANK
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These hard inquiries on my credit report are in accurate and I dont recognize any of them. Here are the following hard inquiries that I do not recognize this is fraud. 


XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered after filing a complaint. Following my complaint submission, I am unable to access my credit reports using the same information I have used previously. XXXX the most but now Experian. I also can not dispute name that is on my credit report with XXXX that is not correct at all. These are not my names and never was spelled they way they have them spelled. 

Moreover, I suspect that the involved companies might be employing phishing tactics to obtain information to place on credit reports. 

I kindly request your prompt assistance in investigating and resolving this matter. I believe the issue poses a significant threat to the security, right to privacy of my information, and I am eager to ensure a swift resolution. 

Thank you for your attention to this matter, and I appreciate your ongoing efforts to protect consumers.

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 2019-04-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, Citibank closed five of my credit cards accounts which the total credit line is {$50000.00}. This hurted my credit score. And I have many points in the account which I couldn't redeem when they shut down my accounts suddenly. 

The bank said they closed it due to security reason. I have wrote couple emails and mailed out letters to Citibank to explain my situation but I have not heard back from them. 

I don't believe it is fair to close all my cards in this 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 explanation
Consumer complaint received 2021-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America branches are closed so I was asked to make a credit card payment thru there ATM. On XX/XX/2020 at XXXX XXXX, I tried to make a payment of {$1700.00} at the XXXX XXXX XXXX branch in XXXX GA. The ATM took the cash and gave me a receipt saying that it couldnt process the deposit. Since XX/XX/2020 I have called Bank of America numerous times and they are unable to give me a resolution. They took my hard earned money and making me run from one department to the other.

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 2020-09-16
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. We started the refinance process on XX/XX/XXXX, 2020 and was assured that it would close within 45 days, we paid {$50.00} dollars instead of the requested {$500.00} to initiate the refinancing process 2. It is now XX/XX/XXXX2020 and no refinance 3. We have provided your company the necessary documents as requested 4. Your company was advised early in the process that any requests having to do with the XXXX property would NOT be filled as that property has NOTHING to do with the refinance of the XXXX XX/XX/XXXXproperty 5. After the 45 days passed we were asked to provide updated paystubs we did 6. Still the refinance did not close 7. Then you requested information concerning the XXXX property. Much to my chagrin my husband provided the information 8. We were provided a new estimate and was told the refinance would close in 3 days 9. The refinance didnt close, instead we get another request for more information concerning the XXXX property, which again was provided much to my chagrin 10. The refinance still didnt close 11. Today we receive a request for updated paystubs, which will NOT be provided, instead I have chosen to file a complaint against your company 12. You advertise that XXXX  Mortgage is the new way to get financing because it is all done online 13. The XXXX poor excuse I was given for our refinance taking so long was due to COVID-19, since the mortgage company was designed to operate online there is NO excuse why the loan should not have closed prior to the 45 days. The company did NOT have to scramble to come up with a new program to do business online

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: SYNCHRONY FINANCIAL
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:
Reward points of over {$300.00} were supposed to be redeemable around the beginning of XX/XX/2019 however when I attempted to redeem them, I was told some members are allowed to redeem their points but others are not and it will take up to 60 days to review my membership to confirm whether or not my reward points are redeemable. 
Ive had this card for several years with no trouble redeeming points but they also told me, they have made a few changes.

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 2023-11-30
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a XXXX interest charge and I called Citibank customer service to find out what it was for. The customer service representative told me it was for XXXXXXXX XXXX XXXX XXXX fee. 

I told her I never have paid interest on that and that I signed up for it back in 2010 when I got the card. 

The customer service representative told me they do not offer that and that is when I looked it up and found this article XXXX XXXX XXXXXXXX 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 monetary relief