BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Comenity Bank credit card was compromised so I called and spoke to customer service on XX/XX/XXXX. The agent gave me credit for the charges which was {$130.00} and that charge was not done by me. I have not used this card since XX/XX/XXXX. The transaction took place in XX/XX/XXXX. Instead of closing the account, they started to send me the late fees and finance charges for those transactions under a different credit card number. They keep calling me every single day and leaves me messages saying that I need to pay those charges. Every month the amount increases and will call me from different numbers such as unknown, private caller, scam likely, and some Comenity Bank numbers. They are supposed to investigate and let me know what the results are, but they never let me know what happened or updated me, instead their main focus was to pay for the charges which were never made by me. They are not supposed to charge me for disputed transactions, I requested to have my account closed and it was never done, they instead transferred the late fees and finance charges on a different credit card number and kept sending me the statement every month. They do not want to listen to me, their only concern was that they wanted me to pay for those charges. I have concerns about this credit card company, only XXXXXXXX XXXX XXXX keep calling me, no other race but them. The address of the bank is : XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 am a victim of identity theft. I have reported it to the police and XXXX. I can not get in to capitol one or the other 2 credit reporting agencies as of yet. My credit has addresses, names, a job, a spouse and post office boxes that do not belong to me. Please stop anything you can as I personally have nothing at all in the way of cards or assets. Please contact me through email. I appreciate your time. 
XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on pandemic mortgage forbearance and my forbearance was originally ending at end of XX/XX/2020. Their app asked me to respond as to my status/ability to begin my mortgage payments again after forbearance ends. I said yes but then the app automatically and immediately took me off forbearance, asking me to begin repayment on XXXX XXXX, 2020. I asked Mr Cooper to fix this so I can begin repayment in XX/XX/XXXX and told them I wanted to move the payments I missed during forbearance to the end of the loan term. THREE TIMES they botched the request and then finally told me I was denied for no reason at all other than they couldnt do it. So then I tried to apply for loan modification where we move the payments I missed during forbearance to be due at the end of loan term. 

Again, without notifying me, mr cooper cancelled my application. Ive spoken with escalations numerous times and they have XXXX sensible explanation for these haphazard rejections. This time theyre telling me my application was cancelled because they provided me with a better refinance type of offer. How is this legal? During start of pandemic their app clearly stated that we had three options - pay the missed payments immediately at end of forbearance - move missed forbearance payments to end of loan term so it extends the long term - make all forbearance payments due at the end of existing loan term. 

How am I going to resolve this if they continue to randomly cancel and reject terms????? Ive been sent in circles and now harassed by Mr Cooper debt collections 6-7 times per day via endless phone calls and texts. I WANT to pay my mortgage but they wont let me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-06-17
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2023 : Went to XXXX to make a purchase and card declined. Called Credit Card company XXXX XXXX XXXX XXXX XXXX, and they stated that I had a {$48.00} payment that was due on XX/XX/2023, that had not been paid. I asked if I could set up a payment for XX/XX/2023 to pay the amount. They stated that if I scheduled the payment, I still will not have access to use the card. I asked if I make a payment today, could I use the card. They stated yes. I made payment and called back. A second representative told me that my card is locked and will be locked until the next billing cycle ( XX/XX/2023 ). I told them that I already made a payment, but they told me that I still would have to wait. I asked to speak to a supervisor and they told me that they would tell me the same thing. I called back a third time and the 3rd representative told me that I would not have to wait until XX/XX/2023, but I still would not be able to use my card on this day because they need to make sure that the payment will go through. They will wait until the payment processes in 2-3 business days, then they will unlock my card. I asked was this in the terms and conditions and the representative looked, but could not find it. I looked myself and did not see in the terms and conditions where they can suspend transactions for being a few days late on your bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17
Company: DISCOVER BANK
State: HI
Product: Credit card or prepaid 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 was charged {$5000.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing a complaint in XX/XX/XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XX/XX/XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Bread Financial Holdings, Inc.
State: PA
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: Problem with product or service terms changing

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 therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im assuming that you either didnt receive my letter on XXXX or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.

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 2020-12-30
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:
I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and to remove these unknown accounts and inquiries. These accounts are definitely not mine. I kindly ask you to help me because I do not recognize these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2019-05-25
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
I have contacted American Express to assist with a duplicate rental car charge to no avail. XXXX has an authorization on my account for {$390.00} and made an additional transaction ( authorized for $ XXXX posted for {$390.00} ) on XX/XX/XXXX and posted it without my permission. American Express has refused to assist in disputing the second unauthorized transaction, citing system constraints that prevent them from deleting transactions. I only authorized 1 transaction ( {$390.00} final posting amount- originally authorized for {$390.00} ) onXX/XX/2019with XXXX and have returned the rental car. However, my account has two ( 2 ) transactions, one for the correct amount and one for {$390.00}. I did not authorize any additional transaction on XX/XX/XXXX or XX/XX/XXXX when returning the rental vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Resurgent Capital Services L.P.
State: NE
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:
Problem with idenuty theft, fair credit reporting act n fakes reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Having overdraft fees applied to my account even with the funds being there. Several times

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 2019-04-04
Company: JPMORGAN CHASE & CO.
State: AZ
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:
While traveling abroad the company closed my account without contacting, I called the banked several times costing me a lot of money for phone calls they hardly returned my calls. And when I finally was able to speak to someone they offered no help and hung up on me. 
On XX/XX/XXXX. 
Bank Chase, Accounts XXXX card XXXX XXXX card Chase Freedom card. 

All these card accounts were closed, the accounts were in good order ( Payed off ) Now I am stranded in another country with no assistance from the bank and the bank refuses to tell me why they closed my account. Also this could also impact my credit score since my available credit will be reduced. 

Banks should not be able to close peoples accounts for no reason or notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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 have contacted CitiBank to dispute a charge on my credit card for 2 tickets sold by the merchant XXXX for a service that was not delivered as expected. CitiBank did not dispute the fact that the service was not on par with what was advertised ( a XXXX XXXX XXXX show ) but claims that it is the theater and the troupe that are responsible for the quality of the service and not the merchant. However, I did not purchase the tickets from the theater/troupe ; in fact, when I approached the box office to request a refund, I was told the theater had no record of me purchasing the tickets. Indeed, I have purchased the tickets from XXXX and the notion they don't have control over the performance has no bearing on the fact that I was not provided the service as expected. CitiBank refused to reverse the charge.

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: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. I do not have a contact with this company! THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE WITH TWO DIFFERENT AMOUNTS ( {$300.00} & {$530.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
ON XX/XX/2018 I CALLED PENFED AT XXXX, AND SPOKE WITH A GIRL NAMED XXXX. I EXPLAINED THAT AFTER GOING OVER MY STATEMENT I HAD FOUND A CHARGE I DID NOT APPROVE ON XX/XX/18 FOR {$1000.00} DONE BY XXXX XXXX. SHE TOOK MY FRAUD COMPLAINT AND THEY SAID THEY WOULD SEND OUT A NEW CARD AND ID GET A REFUND. THEN ON XX/XX/18 I WAS SENT A LETTER WHICH I HAVE ATTATCHED CLAIMING THAT BECAUSE I DID NOT SEND IT IN WRITING IN THE FIRST 60 DAYS I WILL NOT GET THIS CHARGE REMOVED! I AM VERY UPSET! I AM A SENIOR CITIZEN AND DESERVE TO HAVE MY MONEY RETURNED TO ME AT ONCE! I DONT THINK ITS FAIR THAT I BE PENILIZED XXXX DOLLARS FOR SOMEONES MISTAKE!

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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I wanted to reach out regarding the following violations posted to my credit report 15 USC 1681 a ( 2 ) ( B ) Exclusion from a consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 U.S. Code 1681b - Permissible purposes of consumer reports I am doing my due diligence to restore my credit after one of the most toughest times in world history. As a consumer these are a violation of my rights. I am demanding that the following account be removed immediately. Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$430.00} XXXX XXXX XXXX XXXX  XXXX Amount {$420.00}

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 2023-06-19
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Based on misrepresentation by in-store credit card huxtor, I applied for a Costco credit card issued by Citibank. After learning the terms of the credit card were significantly different than those represented by the in-store huxtor, I called to cancel the card, at which time I paid the balance Citibank said was the full balance, which was the only charge _ the Costco membership they automatically applied to the card. Several months After the fact, I got a call demanding a late payment of slightly less than XXXX be paid. They said on the phone that it was a late payment charge. I never even received the card, much less used it. When I asked her, she said when I canceled and paid off the card that the payment was late ( had never yet received a bill ), and I paid what they said was in full. Now they wanted to bill me for a late fee on a canceled card and threatened my credit if I didn't. I don't believe I owe this money but paid it when my almost perfect credit I worked so hard to build was at stake for less than 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
Consumer complaint received 2020-01-29
Company: Leopold & Associates, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Leopold & Associates, PLLC was listed as the Attorney of Record in a foreclosure case in Supreme Court, XXXX County, NY, Index XXXX. ( They subsequently dropped the case ). Plaintiff in the case is XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX, in response to several different issues defendant and Pro Se Attorney XXXX XXXX submitted to the CFPB, replied that they are not the company of interest in this matter. Their then Loan Servicer, XXXX, sent a letter to the CFPB in response to a complaint about this matter, and they said that XXXX never owned defendants account ( debt or mortgage and Note ). If XXXX and XXXX both said that XXXX never owned the account, but is listed as plaintiff in court, and Leopold & Associates was listed as Attorney of Record, WHO HIRED LEOPOLD? That is the question I am asking. Someone is lying.

Company response to consumer: Closed with explanation