BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
On XX/XX/XXXX, I started receiving emails from XXXX which stated an account had been opened under my name for the American Express Serve card. I have received 5 emails regarding statements or other activity in " my '' account between XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX I spent more than an hour on hold calling American Express and talking to multiple representatives who were all completely unable to help in any way. They were unable to access details for " my '' account because I don't have the " correct '' ( fraudulent ) information, such as birthday, on file for this account. I am beginning to feel that American Express has a blatant, negligent disregard for the fraud and identity theft committed against me, which they are complicit in enabling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Optima Recovery Services LLC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am reporting a business called " OPTIMA RECOVERY SERVICES. '' They have listed a debt of {$65.00} on my credit report for a few years that I just recently discovered and have never received any notification the debt existed. No calls, no  emails, no letters, no attempt to contact me. The information about the business on my report includes : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX date opened : XX/XX/2015 Account type : Collection Department / Agency / Attorney I issued a dispute with XXXX  a few months ago and the account was deleted without any further issues. I discovered this  same account on XXXX  as well. This led me to believe that this debt is either fraudulent or a big mistake. Upon reading XXXX reviews on this business, it seems that this is a regular practice. They agree to remove the " bad credit '' in exchange for payment, but no written record is provided of this transaction ( according to other reviews ).

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 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. TRANSUNION HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING 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 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
At the time of account opening {$200.00} bonus was offered for opening an account with new money. Now the bank is refusing to pay the {$200.00} bonus as apparently finer prints said if I have an existing saving product then it does not qualify. This is mis-leading and deceptive advertising as the finer prints were not placed in a manner that the consumer can see it. 
I would not have opened the account if the disclosure was properly made. 

I think the bank need to credit my account for the original offer as they misled me by deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A numerous amount of times I have tried to get through to Equifax to freeze my credit as I am one who have been affected by the beach ... I call Equifax on XXXX after failing to be able to freeze credit online ... I was able to answer security questions from my end, i spoke with an employee who handled the cares I needed as far as wrong info on my credit report, as she turns me over to the credit freeze department they refuse to allow me to freeze my credit without having to send in a picture of via u.s mail. I explained to the employee I was one that was hacked and she agreed and all I wanted to do was freeze it instantly she refused and told me to send in picture of via mail.im not happy with that as they are the reason I tried to freeze credit.i was n't comfortable with sending personal info in the u.s mail.how can this be so, a company that allows your hidden personal info to get out and now they demand you send picture i.d in the u s mail to get damaged by identity even further??? that rule does n't make sense.also they are clearly negligent in how they handle anyone 's personal info via the procedures that they use..why should I allow someone so wreckless to be the judge of my life and everyone else 's???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have made repeated attempts/requests for XXXX XXXX XXXX XXXXXXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter  responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/2016, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/2016 when my first bill/payment was not even due until XX/XX/2016. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXXXXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.

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 2018-06-29
Company: BlueChip Financial
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple phone calls from someone named XXXX XXXX and XXXX XXXX from the " Legal Department at XXXX XXXX '' debt collection agency. I later discovered that this is a fraudulent company who has called under other company names such as " XXXX XXXX XXXX XXXX Department and XXXX XXXX XXXX  Department ''. They have called me from multiple numbers ( XXXX, XXXX, XXXX, XXXX, and XXXX ). I was informed that they would contact my job to have my wages garnished and contact my local county courthouse to pursue an out of court settlement. I have been harassed to a point of distress. I have requested for them to stop contacting me, but they have continued to do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
A collection debt was previously deleted and a year later reinstated on my credit report. I never received a reinstatement letter from any of the 3 major credit bureaus as required by law. I put in a dispute on XX/XX/2018 and still have not received a response and the item is still on my credit report.

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 2018-10-20
Company: Experian Information Solutions Inc.
State: IL
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 GOT A LOAN FROM XXXX XXXX AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON EXPERIAN AND 4-9 ON 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 2020-07-01
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to the continued scam your company formerly know as XXXX XXXX XXXX agency is running With XXXX XXXX of XXXX XXXX XXXX. I will be reporting you to the Colorado attorney Generals office. This is harassment. I have more emails of proof I will be sending. People keep telling me this has been taken care of, those of which include XXXX XXXX Of XXXX XXXX where I lived for 6 years and paid for parking every month on time to XXXX XXXX of XXXX XXXX XXXX. Then XXXX XXXX of XXXX XXXX XXXX company, who said he was not allowed by law to respond via email but called me on XX/XX/2020 at XXXX, and also told me this will be taken care of and not reported to any collection agency. Below is an email correspondence with XXXX of XXXX XXXX, saying the parking violation in which I paid {$95.00} per month for almost 6 years was taken care of by XXXX XXXX of XXXX XXXX XXXX. I received a violation for not having my parking tag displayed. XXXX had stapled a paper over my parking tag for the month of XXXX, I never saw the parking tag hence why I did not have it displayed, ( first time in almost 6 years ) regardless I was paid in full for parking at my residence located at XXXX XXXX XXXX XXXX XXXX, co XXXX. Your agency now called agency of Credit control , inc. and the fact that XXXX of Agency of Credit Control , inc. couldnt tell me even what this is regarding, while I know what it is because this has been going on for way too long. How can a company send a letter requesting money from me when they have no idea what it is regarding? This is clearly trying to reopen cases, this is fraud. I ask that you stop harassing me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
XXXX was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company continues.

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 2018-10-22
Company: AAA Collections
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
AAA collections agency South Dakota has been collecting my money for about 2 years now on a medical bill Ive never had a problem paying until I decided to Change by my banking info, I called back to see why my payments were not going through after about a month. The lady was extreamly upset with me after telling her Im not sure why my payments stopped. I called my bank and the bank said t was on their end. The lady said that I could only do a larger payment plan or pay the amount on full and I told her I couldnt afford either and became upset at that time. She threatend to have sheriffs at my house if she wanted and basically tried telling me without actually telling me that I would be sued no matter what and there wasnt anything I could do and they would win no mater what and take my money from the hearing. I have agreed to the payment plan of the larger sum and she said they would do that. A week later my account became dilenquent and now I have no way to pay because she will not allow the payments to go through. This company used to be pretty helpful when it came to paying off a large chunk of the hospital bills and now that its under a smaller number they are being super aggressive and I dont feel its fair at all and I hope that they take a check that I will be sending in to keep my account from being sent to court because It would lose since the agency and judge are so close.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have accounts with TD Bank. My account online access was locked at the end of XXXX due to some suspicious activity -- I attempted to transfer money to my self at some IP address in Massachusetts. My complaint is why this issue can not be resolved even near the end of XXXX. 

The online access was locked by Fraud Department. I have contacted the department and TD customer services many times. Here is a list of details that I can remember : * TD customer service provided me the phone number of the fraud department. I contacted the department well over a dozen times. I could never reach any person there. I always left a message to get call back. Initially I did get call back. But recently, I don't even get call back. Sometimes the answering machine was full I could not even leave a message. 

* I got callbacks from Fraud Dept several times. Here is the list of instructions and results : 1 ) First she ( the person in Fraud Dept ) asked me to go to local branch and from the local branch to contact her ( not sure why it must be this complicated ). So I went to local branch ( in XXXX ). But the local branch could not reach the person. I came back and left message to Fraud Dept, who called me back saying she was in office at that time. She suggested the local branch may not use the right method to find her. As a customer, I have no idea how TD Bank contact each other. Why is it my responsibility to connect your guys internally? 
2 ) Later, I got her call back again ( after I left many messages ). I was told I could go to local branch and start a new TD account and transfer all existing accounts over. So I did that. However, the local branch said the lock was placed on my name and SSN. Unless I change my name, I could not open a new account. So that trip resulted no solutions. 
3 ) Since then, I attempted to contact Fraud Dept but never got any call-backs. I have spent many hours with Fraud Dept ( each branch visit required me to take work hours off since Fraud Dept only works from 9-4? weekdays ). 

* My contacts with customer support : I have called many times ( 20? ) The good news is that I could always speak to someone. The bad news is that they can not do anything about it. They said Fraud Dept is above them. 

* My contacts with local branches : As mentioned above, they could not do anything either. 

In summary, the Fraud Dept at TD Bank is a self kingdom nobody can touch. And they simply don't respond to customers. What options do I have? After nearly five months, my account online access is still locked. I have no choices but to go outside TD Bank to seek a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen is using faulty information in the servicing of this mortgage loan. 

Ocwen has failed to deliver required foreclosure protections. 

I provided Ocwen with an Error on the mortgage loan. 

Ocwen has failed to properly respond to a Notice of Error and request for information. 

Ocwen has failed to properly acknowledge and investigate my complaint. 

I provided a rebuttal letter to Ocwen indicating the Notice of Error and Request for Information was not properly responded to by providing an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchasing some XXXX XXXX items through a group on XXXX. The person I was buying items from said their name was XXXX XXXX. I sent this person 3 different payments to the phone number they provided XXXX, through the XXXX feature on my Citizens bank app. This was after I had to call Citizens Bank to have them verify my phone number so the payments would stop failing and would go through. On XX/XX/XXXX I sent this number {$32.00} through XXXX, On XX/XX/XXXX I sent {$60.00} to this number through XXXX for more promised products. On XX/XX/XXXX I sent this number {$190.00} for an entire product collection. At this point I checked my bank and realized the XXXX payments were being sent to a different name than that of the person I had been talking to. I searched the name on XXXX and found out that this person is a well known scammer. I contacted Citizens bank to try and cancel the payments as two of them were made within 24 hours of me calling them and was told that there was nothing they could do because they were instant payments. The seller I was dealing with has disappeared. I questioned Citizens Bank and how they could allow these transactions to go through without any sort of Fraud protection, after all, I thought I was safe doing these transactions because they are directly through Citizens Bank and was informed that they would do nothing and I should contact my local authorities which will do no good as the seller has gone ghost. I attempted to cancel these transactions within 24 hours and same day for one and was told that Citizens bank will do nothing. I am extremely upset and would like Citizens Bank to refund these purchases as they are my bank and should protect their customers from Fraud if it happens through an app that they are controlling. The XXXX feature is directly on my Citizens Bank app so they should have some sort of protection in place and as my bank I would like them to cover this fraud. I have submitted to them proof that the person the money went to was not the person they claimed to be and still they will do nothing. Which is why I would like your help getting the fraud protection deserved on these transactions done directly through Citizens Bank from one bank account to another on their XXXX feature in the Citizens app.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the time of misfortune I managed to get behind on my mortgage from XX/XX/XXXX-XX/XX/XXXX. My loan is with XXXX XXXX XXXX.

I was told by a rep by phone in XX/XX/XXXX that we could get up to 6 months removed for our credit that was reporting 30 days late during this time when or at the time we could cath our loan up to date. 

We managed to this and now they are saying that is nothing they can do and not sure why a rep for them said this and there is nothing they can do. If I knew this it would of helped manage and prepare for this time. We are in the process and selling and maybe buying again and this is holding us back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Since XXXX of 2018, I have called Capital One to STOP sending me credit card offers. My calls seem to generate more offers. Now from the latest offer, the people just hang up on me after waiting to get into a live person for 20 minutes. I want these to stop. Yes, I'm on the opt-out list!!!

Company response to consumer: Closed with non-monetary relief