BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018, I was checking my American Express offers in their website. It said a {$150.00} dollar statement credit after {$1000.00} dollars purchase before 90 days. I started the application and then I realized that I may not be eligible for the bonus offer. So I did not finished the application. The next day I've got a call from a AMEX marketer saying why I did not finish my application and I told him about the bonus. He told me that I was indeed eliglbe for the bonus, so I finished the application.

Now I've compain about it and the told me that I was not eligible regardless of what the rep told me. I asked for the recording and it were denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have sent several certified letters, have tried to place calls and no one will return any information.The company has continued to call and threaten me as well as to me letters threatening to sue me. However they will not provide the proof that they said it was mine no paperwork showing my signature. XXXX XXXX XXXX has used illegal threat tactics in order to scare consumers into paying. Letter recieved on XX/XX/XXXX. Sent letter on XX/XX/XXXX no response after that. Sent a certified letter XX/XX/XXXX and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I have asked fed loan service to remove the closed accounts from my credit the information they are reporting is incorrect they have dupilcated accounts they have six accounts with same account number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: EQUIFAX, INC.
State: IL
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 on several occasions to get several fraudulent accounts on my credit report removed. In XX/XX/2018, I submitted a letter alleging fraud, along with an official police report detailing this identity theft. I also reached out to the companies who own these accounts. Despite my evidence, and the fact that this same information was provided to XXXX and XXXX which resulted in a fraud alert being placed on my account and the accounts removed, Equifax has refused. My credit report still does not have a fraud alert on it, is still subjected to damaging reporting and the accounts are still present. This is hindering me from moving forward with repairing my credit. It is also in direct violation of my rights : " FCRA 607 ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX  in behalf of my husband who authorized me to speak to the creditor regarding an old debt. XXXX XXXX XXXX stated that they have sold the debt to keynote consulting and so I was transferred to keynote consulting and started working with a guy named XXXX. I requested XXXX for a validation of debt because there is a discrepancy between the amount XXXX XXXX XXXX charged off and also the amount the debt collector has on file. The difference is about 1k, XXXX XXXX XXXX charged off at the debt at $ 2600+ and keynote is collection at $ 3600+. XXXX stated that he does not have to provide me anything and so I negotiated a possible settlement not knowing what my rights are. In the next few days, I did my research and realized that I have the right to request a validation of debt. I called XXXX XXXX XXXX to request this and they responded by saying that only Keynote can provide this so I called keynote back today, XX/XX/XXXX and told XXXX that I am still working on the settlement amount but that I am requesting a validation of debt in writing for our records. XXXX states " your rights to request that has passed and I am declining to provide this to you ''. He repeatedly told me that he is not providing me anything and that if he does provide me anything then my husband and I will have to pay the full amount which is fine but I told XXXX I still want the verification of debt to which he replied " No, I am declining that and I am not required to provide you anything ''. I then told XXXX that I will consult n attorney regarding his decline to provide us with a proof of debt and he said " since you said the word attorney I no longe have to speak to you '' and he disconnected the call. My husband has no recollection of this debt and that is why we are asking for the verification of debt. We never received anything from keynote and the amount difference between what XXXX XXXX XXXX charged off and what keynote consulting is collecting is questionable so we were requesting a breakdown of that difference to which Keynote declined to provide. XXXX from keynote consulting said " if you didm't have a lawyer then you would need one now because you said the word attorney and we are now refusing to speak to you about this matter ''. I never told XXXX we hired an attorney, I told him we will consult one and now he is refusing to speak to us about my husband 's debt and only wants to speak to an attorney.

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 2018-05-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I submitted a complaint on Equifax to remove specific accounts that do not belong to me. I submitted a police report and FTC report and a letter disputing these fraudulent accounts. In a response from Equifax, dated XX/XX/2018, I was told the " disputed accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file. '' However, I reviewed my credit profile and the accounts remain on my credit profile. I called Equifax to figure what the issue is and was told these accounts are now verified. I asked to speak with someone who monitors their CFPB responses but was told this department does not exist. I was transferred to the fraud department to report these same accounts. The person explained the accounts were again verified electronically by the furnishers. I recorded the conversation concerning the way disputes are conducted in which I was told the investigation were conducted electronically. Furthermore, it was explained that unless the company returns a request for deletion, the account will remain on my credit report. A complete investigation is suppose to be conducted and in my case as well as all others subjected to Equifax method of verifying accounts is not happening. This is just unacceptable!! Unfortunately, the file is to large to place on the complaint However I will condense for an additional complaint if one is needed. Furthermore it is unacceptable that a response from Equifax to the me and the bureau which governs their methods, would be fabricated. These accounts are still on my credit profile, please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Dyck-O'Neal, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern, Upon looking at my credit report. I found a collection item from Dyck Oneal. In which their were no collection items on my credit report at all. I have no knowledge of the amount, don't know who it is from, have not applied for any credit with this company therefore I don't owe them any debt. 

Once I found this debit on my credit report I call the number that was listed. I was not able to get in contact with anyone. The phone will ring and then I am asked to leave a message. I called more than ten times and it was the something. I left a message and I have not had a return call.

Per my investigation this company deals with loans and mortgages in the state of Florida. I am not a resident in the state of Florida and never been. I also found that this collection agency is in violation of the FDCPA, CCPA. This collator is not licenses in the state of pa and is in violation of all laws. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BANK OF THE WEST
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of the West in response to an investigation into the account in question admitted bank error. ===With reference to your statement the Bank did not make payments you initiated, and deposits were not credited to your account, the Bank returned items as there were insufficient funds in the account. The deposit to which you are referring, occurred on a day where the systems were down. The Bank acknowledges and apologizes for the delay and processed the item as soon as it was brought to our attention. === However, no adjustments were made to the account because of these errors. Simply processing deposits when alerted to the error did not rectify fees on the contrary this error created excessive fees with reoccurring fees. Each acknowledgement and apology about All Bank created error was met with a fee. 

The Bank of the West representative also admits that the upper management representatives refused to close the account. Bank representative states as ===On XX/XX/2017, our records show you spoke with XXXX XXXX, Senior Retail Customer Services Officer/Vice President , regarding the status of your account=== with all the knowledge of all employee mishandling of the account, Bank generated errors, less than professional service in the two Banks- XXXX XXXX Branch @ XXXX and the XXXX XXXX @ XXXX XXXX and a written request to sever all association with the Bank for stated problems and more issues with customer service phone line I believed the matter was over and association with this Bank was severed when I received a check from the Bank of the West. 

Bottom line the Bank did not rectify Bank error and an account was not closed. Allowing fees to accumulated without adjustments or correction for Bank created and generated errors. The Bank collected insurance and the account was sent to collections. I was misled, by the Bank of the West, with the receipt of a Bank of the West check after all requesting 's to sever all association with the Bank of the West.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i would like to make a complaint about this debt collector santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX i have made a dispute since XXXX in the amount of XXXX $ i asked them to verify the validity of this debt they never send me a response back, i want them to remove me from they database and delete this debt because they couldn't provide me with a written verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo debt scam. They stole money from me and want me to pay overdraft fee I don't have.

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 2018-12-15
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX ( along with many other previous months ) XXXX XXXX through XXXX XXXX called multiple times ( XX/XX/2018 XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX  ) from unknown numbers. They called multiple times before XXXX as well but I deleted my phone logs from before then. So I have attached what I do have. I have let them know twice of them calling from this unknown number, which is a violation of the Fair Debt Collections Act, and received unprofessional responses along with numerous more unknown phone calls. They just called again three times today ( Saturday, XX/XX/2018 ) from this unknown number. They called at XXXX XXXX   XXXX XXXX and XXXX XXXX  I only answered the last one to see if it was still XXXX XXXX, which it was. I have informed them of calling from this unknown number and asked them to stop calling me from unknown numbers, especially when they call 3+ times a day, but they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Here 's my complaint : I've tried on multiple occasions to apply payments to specific portions of my loan ( either principle or interest ) with Navient. Navient fails to honor those allocations. Likewise, their " communication '' is almost non-existent. As well, I believe I'm being charged interest increases on sporadic occasions ( seems variable ) as opposed to a truly capitalized accrual. I can't prove any of this because Navient doesn't have a way of viewing or being notified of account changes. Likewise, their on line accounts don't show the actual allocation or payments to principle and interest or reductions to principle and/or interest after payments. It's all very opaque. 

I had {$230.00} of unpaid interest on XX/XX/XXXX for my 1 consolidated loan with Navient. I made an interest only " directed over-payment '' on XX/XX/XXXX of {$33.00} ( to test their allocation method ). I expected to see {$200.00} of paid interest after the payment posted. The payment posted on XX/XX/XXXX and my interest balance was {$200.00}. Where did the {$2.00} go? Or was {$2.00} suddenly added to my account? My loan interest is not variable. If it was there would be thousands of dollars of interest. And daily, variable interest is not part of my loan terms. Did Navient steal {$2.00} from me? Did they apply it to principle without asking and even though I selected, apply overpayment to " loan with highest interest '' ( see pic ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: BROKER SOLUTIONS, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I worked with XXXX XXXX of New American Funding in XXXX, WA last month. The experience was rough every step of the way. We took our application on XX/XX/16. She was tough to get in contact with, I didn't have an underwritten loan decision for nearly a month, I was sent loan disclosures with inaccurate information multiple times, and when I wanted to see rates she didn't call me back. After she told us it wouldn't work, we ended up going to another lender and closing in 3 weeks. We had to pay an extra {$24000.00} to the seller because we didn't close on time because of XXXX. Despite, being bad at her job, what bothers me is that she has no regard for compliance. She ultimately told us that our loan wouldn't work. It is my understanding that I should have received a formal denial letter within 30 days of XX/XX/XXXX ( the day she denied us ). I felt like I was not important and she just wanted us gone to make her life easier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capio Collections called and said i owed a medical bill. Took me by surprise ; I have so many med bills and we stay on top of them. I believed them because I've been in the hospital practically more than I've been home and it does get confusing. Ive called all of the hospitals, I typically go to XXXX XXXX XXXX XXXX.and every once in a while XXXX XXXX A bill came from Capio stating I could resolve my XXXX dollar debt by paying {$700.00}. So I made the payment on line. Within 2 days I get a call saying i still owed {$200.00}. I said not right now bc i just sent {$700.00}. Se said they '' d take it out late XX/XX/XXXX but not to worry bc the would call first. Then they take money without calling and went ahead and charged {$280.00}. I called and they kept giving me numbers to call until i finally was given the number for the first person I called. Finally I spoke to a man who said yes XXXX was the correct amount. He said my account was now settled. I said do not ever charge my card again bc I'm not giving you permission.The following day I got a bill for # XXXX. Again, nobody will talk to me. I've called the hospitals and they both said I don't owe them anything. 


i'd be done. She promised to call me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I was the victim of identity theft and unauthorized withdrawal of {$4900.00} from my Chase checking Account. This occurred when I called XXXX customer service to correct charges I did not make. The agent identified himelf as XXXX XXXX XXXX # XXXX. He proceeded to get access to my computer and when I was away feom PC, sent the amount via XXXX XXXX to another criminal Within an hour, I went to my Chase branch and reported the fraud, The Acct Mgr took action to report this to Chase Fraud Dept, and open new check, saving and debit cars for me, and cancel old accts. She also said she had replaced the funds to my acct. ( see Exhibit 1 ) Chase Bank has not protected me and the funds in my checking or savings accounts,. They did not inform me that the Fraud Dept didnt investigate Instead - without informing me -- Chases Claims Dept opened a claim for the transaction. The Branch Mgrs did not inform me verbally or in writing that their procedure was to reverse the loss by loaning me funds to use while they investigated claim. On XXXX I received letter ( exhibit 2 ) stating that the claim was denied. I received the letter, evening before they were to me take back the funds from my account. I called claims dept but they refused to hold up the withdrawal for me to challenge their decision and further told me their report of investigation would not be discussed or sent to me On XXXX at midnight, Chase withdrew {$4900.00} from my acct including my monthly Soc Security and XXXX retirement deposits. That day, Chase told me they would pursue me to collect the balance of funds earlier returned to me They said their bank 's procedure and policy was not to recover or replace funds stolen from customer accts if fraud happened after customer identity was stolen and used to withdraw customer 's funds. My checking account continues to show that I am overdrawn - {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2020 a method of verification letter was delivered by certified mail to TransUnion. The method of verification was in regards to a public record from U.S. Bankruptcy Court XXXX number XXXX. I never received a response back. On XX/XX/2020 a non response letter was delivered certified mail to TransUnion. Today is XX/XX/2020 and I still have not received a response back from TransUnion.

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 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
The attached document details that the merchant ; s shipment was delivered open & damaged, confirmed by the USPS. Neither the merchant - XXXX  - nor Capital One will issue a credit. The details describe the fraud by both of these parties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15
Company: U.S. BANCORP
State: MS
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 the victim of identity theft. I have senXXXX XXXX XXXX certified mail, return receipt mailings, asking them to provide proof that this is my debt, such as my signature and to date, they have not responded. Also, I am providing a partial copy of my XXXX credit report, showing that a payment has been made on the account on XX/XX/2017 AFTER the account has been charged off. Under the FCRA 605 ( c ), this is a violation of my rights by trying to " re-age '' this account by falsely updating the last date of activity on my credit report in order to keep reporting the negative information longer. I did not make a payment on this account. and want this unverified account removed immediately from all of my credit reports.

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