BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
My name is XXXX XXXX. 

I purchased two roundtrip flights through Amex Travel with departure date of XX/XX/2022 and return date of XX/XX/2022. 

The flight was from XXXX to XXXX XXXX with a layover in XXXX. We get on the plane on the XXXX XXXX  XXXX and landed in XXXX where our flight was canceled. So we had to get a hotel and wait for the next morning to get on the flight we were rebooked too. That flight was canceled and subsequently the next 4 flights we were rebooked too. We never ended up getting to go to XXXX XXXX. We got stuck in the XXXX airport until the XXXX where they finally were able to get us a ticket back to XXXX. 

All I have been trying to do since XX/XX/XXXX is get my refund for the tickets I purchased that I could not go too. I am going to look pass the countless XXXX I had to take back and forth from the hotel and airport due to the airlines canceling the flight each time 10 mins prior to the flight flying out. 

I have been calling Amex for the pass month trying to resolve this they keep putting me on hold, transferring me to someone else, they put me on hold, transfer me to someone else and then eventually I get stuck on hold with no one returning to the phone and I have to repeat the whole process. I have this feeling they are doing it on purpose. 

They are wasting my time, stealing my money, and not trying to reconcile the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I have made several attempts to get the inaccurate information that is reporting on my credit report removed. I have provided the company and the bureau with all the information they requested. I have not heard from either party. I would appreciate if your company can help me because I truly feel like my rights has been violated by both companies. They are reporting lates on my credit file and that is totally untrue. I have never been late with this company. Please help me correct this matter because it is causing havoc on my life.

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 2019-08-06
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:
This is regarding an account listed on my credit report byXXXXL  XXXX XXXX XXXXunder  account # XXXX**** I sent a dispute letter regarding the information that Transunion and XXXX reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times Transunion and XXXX  responded by stating that they full verified the information on the account as 100 % accurately reported. However this is completely untrue. 

This account is being reported as a balance of {$8300.00} on my credit report however I have documentation ( attached ) from XXXX XXXX showing a balance of {$7600.00} since XXXX of XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company. 

What this means is there is absolutely NO WAY that Transunion and XXXX  could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated. 

Also, enclosed documentation also shows the account was opened AFTER the date XXXX has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations. 

Also I respectfully demanded proof from XXXX XXXX XXXX  XXXX  that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.

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 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX while trying to use my debit card, I found out that my bank account had been frozen. In doing further research with my bank, XXXX XXXX XXXX XXXX ( XXXX ), I was able to ascertain that XXXX XXXX XXXX, on behalf of Chase Manhattan Bank, had put a freeze on my bank account due to a judgement for a credit card I may or may not have had back in the late XXXX's/early XXXX ( I have no idea really what it is about ). This is the first notice I have received for this judgement and any further actions that were taken. I called XXXX with XXXX on XX/XX/XXXX for further information and still did not receive the information needed nor anything in writing that I could dispute these charges with before the action was taken. I have since left XXXX several voicemail messages to which thus far have not been returned. I also check my credit report on a regular basis and this charge/collection efforts have not been noted on anything. Please assist at your earliest convenience as this is creating a tremendous financial hardship on our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: FIRST REPUBLIC BANK
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX XXXX at First Republic ( XXXX XXXX XXXXXXXX ) about First Republic 's Personal Line of Credit product. On both occasions, he told me the maximum credit line available to a prospective Personal Line of Credit borrower was {$350000.00}. 

Then yesterday he informed me that he was mistaken that the PLOC maximum was in fact {$100000.00} if the borrower did not intend to refinance debt which I told them I never intended to do. See correspondence below : Re : Personal Line of Credit at First Republic - quick follow up questions Inbox XXXX, XXXX XXXX Hi XXXX, I just checked in with Credit on this, being that this will be line for future utilization and not refinancing any existing debt the maximum loan request would be XXXX. I sincerely apologize for the confusion and take full responsibility for the miscommunication here. I know we have been talking about XXXX. 

As the regulator of First Republic, I would ask that you take 3 regulatory changes : 1. I would ask the CFPB to compel First Republic to more clearly communicate in their marketing diclosures and conversations with customers that their loan maximum is XXXX and only $ XXXX if they are refinancing debt. 

This is the relevant footnote from the current marketing document, " 2 Personal Line of Credit minimum is XXXX maximum is the lesser of XXXX or debt to be repaid at origination plus XXXX XXXX Line of credit can not be fully drawn at origination '' 2. First Republic told me this line of credit was unsecured. What they did not tell me was that this line of credit requires a borrower to provide a personal guarantee! Given the personal guarantee requirement, it is not in fact unsecured. The loan may be unsecured by collateral but is secured by a personal guarantee. That is at best highly misleading marketing and at worse just an outright falsehood. I would request that the XXXX require them to disclose that fact in their marketing footnotes. 

3. Nowhere in the Personal Line of Credit marketing footnotes do they disclose that borrowers who have a debt to income ratio of above 40 % will be rejected for the loan. I would request that the XXXX require them to disclose that fact in their marketing footnotes.

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 2017-12-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called Ally Bank SEVERAL TIMES and made sure that an international incoming wire transfer would not incur any fee by Ally or XXXX ( the intermediate bank as Ally does not have international wire ). As the wire was received, I noticed that {$18.00} was deducted from my wire. I called Ally, spent 27 minutes with the representative plus a supervisor and was told that it was their lack of training and that I should go to XXXX to request a refund. I called Ally again the next day, this time for 57 minutes. At first the representative was telling me that it was another intermediate bank other than XXXX that charged the fee. After I told her that the previous supervisor told me it was XXXX, she then told me, " Yes it was XXXX. Let me transfer you to my supervisor. '' It took a long hold and a different supervisor picked up this time ; simply apologized and not willing to refund the fee in any way even the customer was being reasonable with them. Defintely not a fair trade.

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 2017-11-06
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, 2017 sent by wire transfer $XXXXX to Coinbase's bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

I printed the Deposit USD form with all the appropriate information, took it to my banks so that they could perform the wire transfer. I have this form in my possession as well as receipt from the bank documenting the transaction.

I have in my possession the Fed IMAD wire number that documents this transaction. I provided this to Coinbase.

My legal name on the bank account matches my legal name given to Coinbase.

In Coinbase's instructions on their website, I was assured that this was the fastest way to fund my account and that funds would be credited when received.

Four days later, after numerous attempts to contact their Customer Service department by their web form and by telephone call, the only information that I can get is that my case has been "escalated" and that I should here from a "specialist" in the coming WEEKS! Yes, weeks.

The following information is currently posted on their Customer Service page in reference to my issue:

"XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine, and needs to be removed from my credit report. I've already disputed it before, and it's still showing on my XXXX and Experian 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 non-monetary relief
Consumer complaint received 2021-04-16
Company: CITIBANK, N.A.
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a strange address and two accounts which do not belong on my credit report. I have reported them to Transunion already but they still haven't been deleted yet.

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 2017-11-06
Company: Navient Solutions, LLC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The problem is with Navient for my student loans. I was granted a deference a couple of years ago, but Navient still reported to all XXXX credit reporting bureaus XXXX XXXX XXXX XXXX, etc. ) that I defaulted or missed payments on my loan. 

I had worked with XXXX and others and I sent multiple letters to Navient, but they told me there was nothing that they could due for my credit rating. 

I am in excellent standing and I just ask for a short-term stay while I got a job ( which I did and still do ). 

This credit rating is ruining my credit and I can not get a loan on a new home at a low rate. 

I have attached a document from Navient with all the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Before I put complaint whit XXXX XXXX my balance was in XXXX ... XXXX ... now XXXX XXXX close my complaint after 6 months and my balance is XXXX, each payment is XXXX ... ..if I do n't put the complaint whit XXXX XXXX this company go in to still my money ... .image if they do this to each costumer ... .the company name is credit acceptance

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 2022-03-08
Company: Avant Holding Company, Inc.
State: CA
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:
In XX/XX/2021 I received marketing material from avant- credit card advertising {$750.00} credit limit credit card that would double in available credit if I made 6 timely monthly payments which I did. 
I requested a credit limit increase just like the advertising material said but was denied. 
After this I waited until month number 8 to request a credit limit increase and was denied, the reason given was that I had applied 30 days earlier, so I called customer service and explained it had been more than 8 months of timely payments and they werent holding their end of the agreement. Nothing was resolved. 
That is why I am submitting My complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Transaction dates= $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX These are all labeled and and sometime between XXXX XXXX I paid XXXX XXXX XXXX {$750.00} for deposit plus security and application fee again after i tried to pay by XXXX and said she cant ' accept that in her system. 
I never moved in that location and have waited for a month to try and move in but it was a process that kept requiring another payment because of their system couldn't accept a payment or kicked back payments and i ended up having to repay and the process got stretched out for too long. It could have been misleading and now there charging me a termination fee of $ XXXXThis process is very risky due to the pandemic with me going in between places and not having a solid location for protection. 
This is a very serious manner for me to relocate as this was a rental lease that was terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To whom it may concern, I attended XXXX university back in 2001 formerly named XXXX. I received my XXXX in XXXX XXXX I was so happy as a single mother with an XXXX XXXX little that I know it will be hard to find a job with my degree. I went back and received my XXXX in XXXX  XXXX XXXX, after I graduated it was still hard to find a job with my degree. I went to a XXXX college none of my credits were transferred due to XXXX not accredited. XXXX has a problem with omissions. For instance, they say they are accredited. They are, but only for a couple of schools. Many schools, including major universities and colleges, will not accept credits from XXXX.Myself and dozens of other students who attended XXXX College were told that the student loan monthly bill would be not be that much however it turns out that it is approximately {$800.00}. Also, prior to signing the loan agreement, the recruiter told myself and other students that we can transfer our credits to any college of our choice after we graduate from XXXX University however it turns out that XXXX University is non-accredited and credits can never transfer. That a was a big FAT LIE now I have a degree that I can not utilize and owing {$84000.00} or more in student loans please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Someone attempted to open a credit card at Target using my name and phone number. They had my address correct and name but incorrect drivers license and other information incorrect. Target called me and are not allowing the card to be approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: DISCOVER BANK
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:
On XX/XX/2021, I bought a flight ticket ( XXXX XXXX ) for my cousin XXXX XXXX XXXX, using my Discover credit card on XXXX ( travel agency ) website. The ticket fare was {$1000.00}. 
We reached airport on XX/XX/2021 at XXXX XXXX  to check in the flight, but the XXXX XXXX agent mentioned that there were issues with the XXXX XXXX transit and did not allow my cousin to check in the flight that evening. My cousin 's father ( XXXX ) passed away in XXXX and she had to travel. Because of the flight agency, she could not see the last rites of her father. Also, the agent from XXXX XXXX confirmed that the ticket is cancelled and the refund will be issued through the third party travel agency ( XXXX ) We came back and requested the travel agent XXXX ( Confirmation # XXXX ) for the ticket refund. They did not give me refund saying that we did not show up at the airport. 
I called my credit card ( Discover ) and claimed for the ticket refund. They took 30 days for the claim process and still did not give me refund for the ticket that was not used.

Company response to consumer: Closed with non-monetary relief