BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: AL
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:
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints State attorney general only I Recently Seen a False Collection from a company I never heard of. Also I do not have a contract with this company and they do not have a license to collect in my state I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. 

I am not liable for the debt with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: AMERICAN EXPRESS COMPANY
State: CO
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/XXXX I was using American Express Travel website to book a hotel in a foreign country for a family holiday. I selected the XXXX XXXX XXXX. There was nothing stating on the website that this booking was " non-changeable or non-refundable ''. I mistakenly selected the dates of XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. When I became aware of this mistake, I contacted American Express and Amex Travel in an attempt to modify these dates and after several days of back and forth I was told that the hotel refused to change the dates, refund my charge or remedy the situation in any way as they told me it was a non-refundable/non-changeable reservation. I went back to the website where I book the hotel and there was nothing on the main page ( as there was with other hotels on the Amex travel site ) stating these policies. I looked deeper and saw a hyperlink on the room details section in small letters stating " room restrictions and cancellation policy ''. When I clicked on this link I found where they had hidden and buried these important terms. Had this been up front on the main page, I never would have booked with this hotel. THESE ARE UNFAIR AND DECEPTIVE PRACTICES! I have attached the deceptive website pictures and descriptions from the AMERICAN EXPRESS TRAVEL website who participate in these deceptive tactics. I continued to dispute with both American Express and Amex Travel but apparently they care more about protecting a foreign deceptive hotel then a cardholder since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I received a notice from Equifax dated XX/XX/2019, with the Confirmation # XXXX. It appears to refer to some kind of dispute, and says " The results of the dispute you recently filed with Equifax are now complete. '' I do not find it possible to understand the language that follows. I know of no dispute. So I phoned Equifax at the number given in the notice. The Equifax representative asked me a number of questions, which I answered, including what my current credit cards are and their balances. She then asked me what my past credit cards were, and when I had them. I told her that i have had my existing credit cards and no others for years, and I don't recall any details about which ones I may have had a long time ago.. The Equifax representative refused to give me any information about the notice they had sent me.

Surely I must be entitled to an explanation of whatever it is that Exquifax wrote to me about. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received my tax refund on an American Express serve prepaid credit card last year and ive recieved my stimulus check in that same account and have no access to it because the card was only good for a year, Im locked out from logging in online and the customer service line isnt available right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and Experian are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XX/XX/XXXX tax return ; XX/XX/XXXX tax return ; Letter of Employment ; XX/XX/XXXX W2 and XX/XX/XXXX W2. Every document attached is verifying that I reside in the State of Colorado  and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-14
Company: BARCLAYS BANK DELAWARE
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:
I received an offer from Barclay Bank / XXXX XXXX Mastercard on XX/XX/2021 to upgrade my card to the XXXX Plus account. The morning I received it I clicked on the link and it would only take me to the homepage for the credit card. I called and spoke with a supervisor XXXX XXXX XXXX who asked me to forward her the offer ( which I did XXXX. 

She agreed it is a definite offer and their mistake ( that the link does not work ). And that it is not right to be offering me something and not delivering on that offer. She was going have a case opened and most of the time they honor it in the end. Well, that is not the case here. 

I called a couple times since then and was told " they are still reviewing. '' Finally I called this morning and was told, " That offer is no longer available so I am unable to receive it. '' I got really upset because that was a convenient response for them to not have to honor it. I did try the MORNING I received it to accept the offer and have been waiting OVER A MONTH for their response to my claim. 

This is NOT OK. I have everything in writing. I pay my monthly bill in full and a lot of times EARLY. I am a VERY good customer! 

They can't just do this to people and get away with it! FALSE ADVERTISING is against the law!

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 2017-07-31
Company: ENOVA INTERNATIONAL, INC.
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My husband opened up 2 accounts with netcredit.com {$18000.00} and {$10000.00} because he needed money to pay bills and was n't communicating with me. We have since started XXXX XXXX XXXX XXXX and I have taken over the finances. We are not able to pay either of these loans back because they are at a 40 % interest rate. The payments were coming out of our checking account automatically and when I tried to get netcredit to change it for one of the loans, they asked for statement information on the other account that I was going to have the payment come out of. As that conversation went on I was told the interest rate and that there was no changing it. This company opened up two accounts for my husband without adequate identification since he was able to open one of the accounts with my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I would like to share this complaint as i have tried to resolve things with the Citibank about 15 times over the past 2 months and they have been of zero help. Citi offered a citigold promotion which they are still offering today. The promo was from XX/XX/XXXX to XX/XX/XXXX. Being a new client i opened a citigold account the XXXX of XXXX last year. Per their requirements after 60 days you receive the promo. I met the requirements and did not receive the promo. I currently still have the accounts opened and its been over 100 days at this point. I called in to basically say hey i have all the documents printed out here in front of me where is my promo money? The rep said i will receive it in no more than a week. I call back a week later around XX/XX/XXXX saying hey where is my promo? They said i have to now wait 90 days. I was upset, called back and asked for manager but they said i can not speak to one so i hung up. Called back a week later asking for manager but they said none are present. That rep went ahead and told me this happens often and she will open an inquiry. Once the inquiry is reviewed and if the client being me has met the requirements, it speeds up the process and i will see the promo money within 48hrs after. The inquiry was open. Received a letter in the mail stating the issue has been resolved and i met the requirements. Still no promo money so i called back and they said the rep gave me false info. Called back a week later around XX/XX/XXXX and asked for a manager, again none present. Rep said 90 days and i hung up. Today online i sent a message to the citi chat and asked for an email address to send in my issue. Rep said Citi does not have an email address. I thought that was absurd enough for me to come here to CFPB and make this complaint.

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 2018-09-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
MY NAME IS XXXX XXXX XXXX I WAS VITICM OF IDENTIY THEIF SOMEONE STOLE MYWALLET IM XXXX YEARS OLD I DIDNT REALIZE IT UNTIL PULL MY CREDIT. I IMMEDIATELY WENT TO MY LOCAL POLICE DEPT. DET XXXX XXXX WAS ASSIGN TO CASE IT WAS APPROVE. THE ACCOUNTS ARE XXXX XXXX, HSBC BANK, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am re-filing a complaint against Regions Bank regarding a loan for a boat that was paid off in 2015. The information I received from you regarding the former complaint ( XXXX ) from Regions Bank was their claim that the title was mailed to me in 2015. It was never received. Also claimed by Regions Bank was the PDF copy you furnished me claiming the lien release was sent as was the letter from the bank. 

I received a BILL from these people for five years without fail. The address, the name the physical address, and the post office around the corner ( we live n a town of less than 300 people ) remain the same. I have talked to our postmistress to be sure there was nothing amiss. We know each other on sight so there is no confusion about who I am or my mail delivery. 

FIVE YEARS I RECEIVED A BILL REQUESTING PAYMENT AND FOR FIVE YEARS I PAID IT. THERE WAS NO PROBLEM WITH MAIL CORRESPONDENCE UNTIL THEY GOT THEIR MONEY!!!!!!!!!!!!!!!!!!!!!!! 

NOW SUDDENLY I CAN NOT GET A TITLE REPLACED BECAUSE I CAN NOT GET A LIEN RELEASE. I HAVE A {$34000.00} WATER CRAFT THAT I CAN NOT SELL OR TRADE AND WILL NOT BE ABLE TO CONTINUE TO REGISTER THE BOAT TO BE ABLE TO USE IT ON PUBLIC WATERWAYS. YOU CAN NOT TALK TO A REAL PERSON AT REGIONS BANK.. YOU SIMPLY GET INTO THE NEVER ENDING LOOP OF RECORDINGS AND REFERRALS WHICH ALWAYS ENDS UP IN THE SAME PLACE. 

I AM AT THIS POINT OUT OF OPTIONS. FOR FIVE YEARS I RECEIVED MAIL FROM THEM. 

MY INFORMATION HAS BEEN THE SAME FOR FORTY EIGHT YEARS. 


PLEASE HELP.

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 2021-09-13
Company: Transfermate, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I transferred {$2800.00} to Transfermate for the purposes of paying my landlord before I moved to XXXX. I followed their directions to the letter, and was never informed that any information, documents, or steps were missing, incomplete, or incorrect. Transfermate never paid the landlord, which required me to outlay another {$2800.00} directly to the landlord when I arrived in XXXX. I ended up withdrawing from the academic program I was originally planning to enter, and the landlord released me from the lease, making any further payments unnecessary. I contacted Transfermate multiple times both before and after this trying to get the funds released, and requested they be refunded back to the account that I originally transferred the funds from. They have refused to do so, and have required jumping through a number of hoops despite them already having all of my account and banking information. Most recently, they have told me I now have to get a release from my former landlord, whom Transfermate refused to pay. I believe this is an attempt to get me to stop pursuing the return of my funds, and in the strictest legal sense I believe constitutes a fraud given my reliance on their multiple false or at least misleading assertions.

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 2020-02-26
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am selling my home and the title company attempted to obtain a payoff from Freedom Mortgage on XX/XX/2020. No response was made with the title company ( XXXX XXXX ) reaching out again on XX/XX/2020 with the 2nd request, twice in that day. On XX/XX/XXXX, Freedom finally responded stating they were unable to move forward with the request because the signature on the auth did not match the name on the loan. ( I had gotten married since buying the house and had a name change, however the loan number and social sec number were correct on the auth ). On XX/XX/2020, XXXX XXXX resubmitted the auth again in the new name. No response from the mortgage company. On XX/XX/XXXX, the XXXX XXXX reached out again for the request stating that the closing date was set and we needed the payoff info ASAP. No response from Freedom. The title company AGAIN reached out on XX/XX/XXXX asking for a status as the closing was set for XX/XX/XXXX. Still no response. On XX/XX/XXXX, XXXX reached out to me asking if I would personally call to attempt to get the information. XXXX also called Freedom Mortgage and was told they have no other requests in their system other than when I called to personally ask for the information myself on XX/XX/XXXX. There is a documentation trail of all these requests and dates with Freedom not complying with the request. Freedom informed me that they have " 7-10 days '' to respond to anything and they are saying they will NOT give me the information until Friday XX/XX/XXXX which is 72 additional hours from when I called myself for the info. Due to the fact they are unwilling to budge on providing the information sooner, this has delayed 3 closings that were to happen concurrently. Despite asking for a supervisor, which I was never given access to, they refuse to give the information until mid-day Friday  XX/XX/XXXX although the first attempt was made XX/XX/XXXX with little communication on Freedom Mortgage 's part through this entire process. This has caused a huge inconvenience for many people involved that should have not occurred due to their untimely responses and refusal to provide the information that was asked 18 days prior.

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 2019-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A company by the name of Portfolio Recovery Associates contacted me at work one day during the week of XX/XX/2019 and I told the young lady very clearly to not call my job or I would in fact sue them. Again today I receive a phone call from the same company Portfolio Recovery Associates # XXXX and I told him again to not ever contact me at my job again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the massive cyber attack that released millions of citizens ' personal data to an unknown source due to the Equifax 's neglect and mismanagement of operations for their own personal benefit, I am appalled to see that the Company is stonewalling facing their responsibilities to mitigate damage to the people they have endangered, and that our elected officials are allowing this. 

Equifax announced that they would allow people they placed at risk to place freezes on their account at no charge. BUT, after trying to place the freeze on two different days, I repeatedly received a message : System Currently Unavailable - Error 500. 

This after I entered my social security number as required to place the freeze. The message goes on to list the names of other credit bureaus where freezes can be placed, ( but at a cost to the consumer ). Then it states : " Thank you for giving Equifax the opportunity to assist you, '' when, obviously, they provided no assistance at all in this critical matter. Are they so dumb or intentionally rude? 

Equifax should immediately be ordered to provide freezes for all consumers for all credit agencies at no charge, for as long as required to resolve this issue, using a protected and monitored methodology.. Americans deserve protection from thieves ; not just babble.

Company response to consumer: Closed with explanation