BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
I applied for the American Express Platinum Card brand on XX/XX/2018 via a friend referral from XX/XX/2018. I was approved for the card under promotions conditions offering XXXX membership rewards after spending {$5000.00} in purchases in the first three months of card membership ( see attached email of XX/XX/18 ). Additionally, after becoming a Platinum Card member, I referred a friend with the understanding that I would receive XXXX Membership Rewards points once the referred member received his card. To my knowledge, the member I referred used the appropriate link I sent him ( see attached ) and has been furnished with the American Express Platinum Card.  To date, there are XXXX promotional Membership Rewards not awarded to my account as offered by American Express. I have spoken to many representatives at American Express in past three ( 3 ) months, many of which have been unaccommodating, condescending and blatantly rude with respect to resolving these matters amicably. I write for guidance as to any action that might be available to me at this time. Notwithstanding the lack of consumer resources offered by American Express, after paying an annual membership fee of {$550.00}, I believe that I have been duped. There certainly may be other consumers that may share this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion XXXX and XXXX is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-13
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this collection I pulled my credit fill and this collection was listed.

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 2020-07-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I appreciate your response I am now going to provide my monthly statements for the month of XXXX and XXXX indicating that I in fact made purchases starting in XXXX Ive only had one account since XXXX of this year. The company coinbase has had system failure/outages a few times this year of 2020 during which my portfolio was effected but not to my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XXXX XXXX XX/XX/2023 my PennyMac mortgage account was reported as a late payment when the loan was in a modification status. Upon approval of the modification a silent second was used to make the account current and the credit report was not updated. The mortgage account was closed with a full payment of the loan on XX/XX/2023. This dispute is to have the late payments corrected to current with a note of loan in modification status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was not late on my PennyMac mortgage for XX/XX/2022. I submitted payment before it was a full 30 days. Please see my attached document as proof. Please rectify this late payment as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: CA
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:
Ive submitted disputes to the credit bureaus and nothing happened and I didn't receive any notifications or changes or anything and its been well over 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Ive submitted disputes to the credit bureaus and nothing happened and I didn't receive any notifications or changes or anything and its been well over 30days

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 2021-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 My credit report XXXX  and Equifax refused to block 2 accounts in my credit report i don't recognize as mines, XXXX  deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the XXXX credit bureau and debt collector ( XXXX XXXX XXXX  ) the amount showed is {$4100.00} and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Re : XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX United States I needed to cash a check and the teller looked me up and down and said there could be a hold and asked me to wait a minute. She went to the manager on duty and came back a few minutes later stating that they needed to put a 2 day hold on my check. I kindly objected and said I would take it to my other bank. Today, XXXX XXXX, I was denied employment due to having a low credit score. I pulled up my credit through XXXX XXXX and noticed XXXX XXXX RAN MY CREDIT WHICH DIRECTLY ATTRIBUTED TO THE LOWERING OF MY CREDIT SCORE! I would like this resolved and I would like to be compensated for this breach! I drove 258 miles from my home, spent 4 nights in a hotel and away from family duties so I could obtain employment as a XXXX XXXX to help the victims of the natural disasters that are plaguing our citizens and loved ones, and today I was denied that opportunity. I believe this is against the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Tried reaching credit bureau to correct incorrect reporting of erroneous addresses on my credit profile but they are still reporting incorrect information. My information was leaked as part of a security breech.

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 2018-05-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am filing this claim because I recently learned that my college loans do not qualify for loan forgiveness. I have been paying down two federal loans to help me with my college debt since the XX/XX/XXXXs, both of which began being serviced by XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX. Currently, I still owe over {$65000.00}. In all the time I have been making monthly loan payments to XXXX, and now through them to Navient, I was always led to believe, that is, told, that both loans, for which I continue to make one monthly payment, qualified for loan forgiveness in XX/XX/XXXX, as long as I held up my end of the agreement by making 120 payments over ten years, as required for loan forgiveness, beginning in XX/XX/XXXX. Representatives from neither XXXX nor Navient ever stated to me anything but that I was on the right path for loan forgiveness. Yet when I applied for loan forgiveness, having met all the other criteria, I was informed by XXXX XXXX of the Department of Education in XX/XX/XXXX, that my loans did NOT qualify, as they were not the right kind of federal loans ( XXXX XXXX XXXX Federal Direct Loan Program ). And that, after twelve years of payments to XXXX as well as the previous number of years to the other lenders I would now need to begin again with yet another 120 payments qualifying for loan forgiveness in XX/XX/XXXX, some thirty years after taking out these loans, and paying faithfully over the course of time. By now, I am familiar with a number of other loan recipients who are arguing much the same case. It was remarkable to read such testimony, in the way their travails mirror my own case. It was like reading my own words, time and again, describing my situation. Some alluded to a pattern of behavior on the part of Navient. Although that determination has not been, to my knowledge, adjudicated, as I state above, I was never informed by XXXX or Navient that my Federal Consolidation loans would not qualify for loan forgiveness and that I would need to reconsolidate my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NJ
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:
Equifax refuses to validate or remove inaccurate items on my credit file. I mailed letters to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a letter deleting but also verifying fraudulent accounts. My identity was compromised in the Equifax data breach. Equifax has not removed any unverified item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Credit score keeps dropping for no reason. Opened a new XXXX 's credit car and charged {$100.00} of which {$60.00} has been paid. I want to know why it has fallen 100 points when I have nothing derogatory on my report and all charges are paid on time??? Second request with no answer. Transunion had to correct the same situation 2 months ago and now XXXX  has lowered my score. It is a domino effect that snowballs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I took {$25.00} against my credit card ending in XXXX, in XX/XX/2022. Even though I pay more than that each month in regular payments, the continue to charge me 30.24 % APR interest monthly and claim I now owe over {$67.00} not {$25.00}. They claim that even though Oregon limits interest rates to 30 % that they have the right to exceed this. Also, the supervisor said that Oregon 's interest rate limit doesn't apply to them, and that even though I've more than paid {$25.00} back, they require the entire balance to be paid off in order to clear the {$67.00} which also is charged a separate interest rate in addition to my overall balance interest. So, I'm being double-billed.I took {$25.00} against my credit card ending in XXXX, in XX/XX/2022. Even though I pay more than that each month in regular payments, the continue to charge me 30.24 % APR interest monthly and claim I now owe over {$67.00} not {$25.00}. They claim that even though Oregon limits interest rates to 30 % that they have the right to exceed this. Also, the supervisor said that Oregon 's interest rate limit doesn't apply to them, and that even though I've more than paid {$25.00} back, they require the entire balance to be paid off in order to clear the {$67.00} which also is charged a separate interest rate in addition to my overall balance interest. So, I'm being double-billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Certegy Holdings, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I had a prepaid money order from XXXX  didnt need it to pay a bill so I wanted to cash it in my name, the company that they use Certigy declined it. So I ask to have my file sent to me, once I received it, the information that declined my money order is totally wrong, never had a check, and never went to XXXX to cash a check as they refer to why they declined the money order, they are wrong in the reason and I would like to why and how they got the wrong info

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 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I initiated a Bill Pay via Capital One 360 for the purpose of submitting earnest money in for a home purchase. The Bill Pay portion of the Capital One 360 website indicated the payment would arrive via check on XX/XX/XXXX. The payment was delivered 3 days later on XX/XX/XXXX. The late payment resulted in a delay of the closing due to the funds not being available to use against reserve requirements, mandatory for a home loan closing. When I spoke with Capital One they blamed it on a 3rd party Bill Pay company and explained it was not guaranteed to arrive on XX/XX/XXXX, when in fact the website showed the payment as " delivered '' on XX/XX/XXXX. Given this error and impact on the home loan close, we requested the funds be expedited back into the account as soon as possible. Despite several conversations with supervisors and escalation teams, Capital One 360 was unable to complete the stop payment and re-deposit the funds prior to the home closing. Several supervisors worked on the issue, ultimately resulting in the funds returning to the account ~3 business days after the initiation of the stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: GA
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: FORD MOTOR CREDIT CO.
State: IL
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:
I have initiated several disputes in my credit reports due to incorrect information reporting on my credit reports. I mailed letters requesting disputes to XXXX, XXXX and XXXX on XX/XX/2019, XX/XX/2019, and finally on XX/XX/2019. I received letters back from XXXX  with updates to my credit reports but, I never received one letter from either XXXX  or XXXX. NOT 1 LETTER! In accordance with the FCRA the credit bureaus are mandated to respond back to my disputes letting me know the results of the investigations but, XXXX and XXXX have FAILED to respond 3 TIMES! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: HSBC NORTH AMERICA HOLDINGS 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: Confusing or misleading advertising about the credit card

Complaint:
The issue arose from the confusion regarding the global entry statement credit of {$100.00}. HSBC Bank advertised that card holders " can redeem XXXX Cash Rewards to receive a {$100.00} statement credit to cover the [ Global Entry Application ] fee. '' I applied for Global Entry via Trusted Traveler Programs of Department of Homeland Security and paid {$100.00} with my HSBC credit card on XX/XX/2020. I called HSBC customer service regarding not receiving the cash rewards points of XXXX on XX/XX/2020 and they advised me that to redeem the global entry statement credit of {$100.00}, I need to have XXXX cash rewards points on my own. That means HSBC Bank will not provide the XXXX points to me. This is misleading advertisement because usually I can redeem cash rewards points for cash back to use as statement credit. XXXX points is equivalent to {$1.00}. It doesn't require this promotion to redeem rewards points as statement credit. The customer service team of HSBC Bank agreed that the statement is confusing and raised the concern to HSBC Bank. HSBC Bank responded that the statement is not legally wrong ; therefore, HSBC Bank is not liable for misunderstanding. 

Due to this advertisement, I applied for global entry to take advantage of the benefit from my HSBC credit card. Now, I have to cover my own expense because of HSBC Bank 's misleading advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is the name on one credit file and XXXX XXXX is on the other credit files I am a identity theft victim XXXX XXXX XXXX lives in XXXX Texas stole my identity I never traveled to Texas at all been in XXXX FL for entire life. I have the texas address listed on my credit file as a formal address?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has been reporting an inaccurate account to XXXX  XXXX XXXX, a consumer credit bureau, for years after several attempts by myself to dispute. I have never done any business with XXXX XXXX and they have no proof that I owe them any debt. I have disputed this debt several times, including XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the process, XXXX XXXX XXXX has committed multiple violations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation