BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I used my  American Express    XXXX   XXXX   XXXX   to pay for a rental car at  XXXX  in  XXXX , CA on    XXXX   XXXX   XXXX     . {$170.00} in damage occurred to the vehicle that I did not do. I did not purchase their insurance because this particular card has the built in insurance to pay for these types of things. AMEX assurance has refused to pay saying that my card is not in good standing which is totally wrong as I pay off my balance monthly and have an   XXXX     credit score  .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: TX
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:
Office of the Attorney General reported in XX/XX/XXXX my child support will never late in XXXX and XXXX. I have a XXXX balance. I screen shot the picture of XXXX balance and no lates. However upon looking at the months after it shows 30 late XXXX and 60 late in XXXX. I need this corrected. I have attached a screen shot of the item from XXXX and i need it to be corrected to show the exact same on my report for all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: NAVY FEDERAL CREDIT UNION
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:
they have my account overdrawn XXXX this is unbelievable i honestly had so much funds never let my account get to this i refuse to pay this large amount for whats not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened in my name and I never received any correspondence from Wells Fargo. The account was closed after 90 days of inactivity. A fraud report was opened and the account was closed.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-09-29
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I submitted multiple complaints through the consumer finance portal and requests closed without investigation. Finally received a letter and spoke to someone who understood my concerns at WF and she asked for further documentation. I sent everything to her attention and received a form letter from yet another associate who included a copy of the previous letter that I responded to... They did not address the multiple documents I sent and ignored my concerns of the modification being {$20.00} less than my mortgage payment. 
I have requested a thorough review, was contacted and provided documentation they requested, and they respond without review of my documents with a form letter and copy of an old letter. HOW CAN THEY STILL BE IN BUSINESS?? So many people have had this problem with them. Please, look into this it has been a nightmare. I have provided everything they asked for time and again, and they send me a letter dated weeks or months ago and say they reviewed it. HOW IS THAT POSSIBLE? The modification was {$20.00} less each month than my mortgage payment and was my entire salary. I sent them pay stubs and tax returns!!! How did they put me through hoops to qualify for that mortgage when I was making $ XXXX, yet the modification based on $ XXXX was only {$20.00} less per month. They blamed Fannie Mae who I spoke to and the executive at Fannie Mae said it was Well Fargo 's choice and they would agree if WF reduced it. Friends who are younger and made more money were able to get modifications at less than half my mortgage payment and save their homes, yet WF was only deducting {$20.00} per month. I know of XXXX families with investors who saved their homes. What they did to people by putting them through hoops, yet not looking at the documentation was awful... yet the are still in business, and I see people still complaining about 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 2023-05-02
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
i filed this complaint in XXXX or XXXX of this year XXXX XXXX ) and previously and transunion still has not fixed the issue. They are reporting incorrect addresses for me and attaching info on my credit report related to the addresses. I have reported though this website and to transunion on several occastions now that i do not live on XXXX XXXX and have not since XX/XX/XXXX. I would like the information to be reflected correctly. I have provided proof to them and through consumer financial protection bureau that proves that I was not at that address at the timeframes they have listed on my credit report. They have instead chosen to ignore information from the electric company verifying my actual address at the time they claimed i was on XXXXXXXX XXXX they have decided to come up with illegitimate reasons to prevent updating he info to the correct information. They are a part of the fraud and crime that exist in the country. i would like my information corrected to reflect the correct information. my mail is currently re-routed and not delivered to me because between transunion and the us postal service, they crime and theft ring just keeps growing.

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 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report has an incorrect address. The address on the report is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , NV. Other than when I was in the  XXXX , I have lived in   XXXX   my entire life. Associated with this L.V. address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX  and  XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    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 2022-03-21
Company: Experian Information Solutions Inc.
State: TX
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:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2023-11-17
Company: EQUIFAX, INC.
State: FL
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:
There are unauthorized inquiries reporting to my consumer report and I demand removal of these unknown transactions for the following : XXXX XXXX Everything should be 100 % reported accurately on the consumer report, this is a form of identity theft unless a signature can be provided for authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$120000.00}, XXXX XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$120000.00}, XXXX XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
TItleMax repossess my truck in the month of  XXXX . I tendered a negotiable instrument to TitleMax via certified mailing for full settlement of the devt owe to them. The tender was refused and TitleMax did not return my truck. This Govern by   XXXX   XXXX  . see below   XXXX   Georgia  XXXX   XXXX   XXXX  - COMMERCIAL CODE ARTICLE  XXXX  - NEGOTIABLE INSTRUMENTS PART  XXXX  - DISCHARGE AND PAYMENT  XXXX  - Tender of payment O.C.G.A.  XXXX   XXXX    XXXX    XXXX   XXXX . Tender of payment  (  a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.      (  b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.      (  c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.    Disclaimer  : These codes  may  not be the most rec

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Allegiance Accounting Services, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I was contacted by Allegiance Accounting Services about a debt " they say I owed from XXXX '' I told them to not call me and send everything in writing. The rep was very rude and stated she was going to send I recommendation over to the attorney to have my wages garnished and that if I did not pay XXXX dollars by the end of business day on XX/XX/XXXX I would be sued the agent 's name was ( XXXX XXXX this call was around XXXX EST. I also asked for in writing a copy of this debt any information they may have to prove the debt belongs to me, This includes but not limited to bank statements signed contracts between myself and the company. By the end of the call I asked the rep to DNC me and she stated they would call me everyday until I went to court.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-10
Company: SYNCHRONY FINANCIAL
State: NY
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 purchased a piece of software form a vendor using Paypal on XX/XX/XXXX. After attempting to use the software I was alerted that my software license key was revoked and I could not use the software. I opened up a case with Paypal to resolve the issue as I had not received a response from the seller, to which they opened a case on their end and awarded the case to the vendor ( which has still not responded to me at the current moment ). I re-opened the case for additional investigation and provided all of the necessary proof for PayPal which showed I was unable to use the software whatsoever and requested a full refund of my money. In XX/XX/XXXX, they re-opened the investigation and I was told if I did not hear back then everything was OK. 

It is now XX/XX/XXXX, I never heard back and assumed everything was OK because that is what they had told me. After checking my statements, I still saw the charge for the non-working software to which I called back PayPal to figure out the issue and they informed me there is nothing they can do as it is out of the 180 day protection period, although I opened a case promptly after the purchase date which they have shown incompetency and months of miscommunication that has not been followed up on. I am now escalating this case to CFPB in order to reclaim my money.

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 2022-12-27
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX was initially paid by my insurance company. 

On XX/XX/ I negotiated the remaining payment with XXXX from XXXX for a final " PAYMENT IN FULL '' on my account for {$360.00}. 

I have no debt with XXXX XXXXXXXX XXXX XXXX yet they keep harassing me and sending me to collections for a fraudulent debt as I do not owe them anything. 

Capio Partners is now harassing me via phone and mail with a fraudulent bill of {$150.00} which I DO NOT OWE. 

I have attached the cashed check which clearly states " FOR FINAL PAYMENT ON ACCOUNT # XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Shellpoint Partners, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed complaint with CFPB  XXXX  it is listed as resolved but it is not resolved.   I would like to have the complaint reopened and I would like to dispute the company 's response On  X/XX/2017    the company responded that they would release the loan in  24 to 48  hours but they have not. I have been calling and emailing their compliance department and Release of lien department but have not received a response. They can not play a 60 day window. the 60 day window should have started on   XXXX   XXXX  . I need this resolved now because I am tied up in a refinance right now and will soon be losing more money in non refundable closing costs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My husband and I have a joint money market account with Capital One ( for years ) with a balance just under {$20000.00}. It was paying us .30 % interest rate. I was surfing the Internet for a higher rate, and noticed Capital One is offering 1.85 % on money market accounts. I phoned them to find out why they were advertising this high rate and paying us a much lower rate on the same type of account. They gave me a very vague response about how one was 'national ' and one was 'retail ', but nothing on their online advertisement or on my own account indicated any distinction between national or retail. I spoke to three different people who kept transferring me around and providing vague responses to my pointed questions ( I am an attorney ) and one of them said I could open a new account for the higher rate and fund it with the current  account. However, their system kept claiming there was a security issue, and the representative said she texted me a code to use to 'get around the security issue '. However, she refused to resolve this issue, as did the next representative, cutting me off instead. I phoned back several times, same problem and no resolution. Basically, I caught them red-handed and called them on it, and they had no honest response. I think the government should examine this issue as I believe it is consumer fraud. I often have companies phone me to offer me a better rate on my current account, such as credit card companies upgrading me to a better plan, or phone companies offering a better service, so why is Capital One advertising 1.85 % on money market accounts but not paying their customers this rate? There was nothing in their ad about only for new customers either, it was 'this is what we pay '. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: Law Offices of Ross Gelfand, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a call on XXXX/XXXX/15 at XXXX from XXXX XXXX XXXX XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of Ross Gelfand LLC and that they took over the account. I told her that the the office of Ross Gelfand was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account

Company response to consumer: Untimely response