BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I received an email from American Express stating the following : " '' We are writing to let you know that, unfortunately, you are not eligible to receive the Welcome Bonus for the Platinum Delta SkyMiles Credit Card from American Express. 

Activity on your account indicates an effort to reach the Welcome Bonus spend requirement in a manner that is not consistent with the terms of your Cardmember Agreement. 

Please recall that the " How Your Reward Program Works '' section of the Cardmember Agreement states : " If you violate or abuse this reward program, you may forfeit some or all of your miles. '' For your convenience, you can review your Cardmember Agreement anytime by logging in at americanexpress.com, and selecting " Account Services '' then " Card Management '' from the menu. If you have any questions, you can chat live with a Customer Care Professional once you 've logged in. 

Thank you for your Card Membership. 

Sincerely, American Express Account Services '' '' When calling American Express customer service to inquire ( XX/XX/XXXX ), they told me I would no longer be eligible for the sign-up bonus because my cancellation of a purchased flight was deemed an attempt by me to meet a minimum spend threshold to achieve said bonus. I asked if I am not allowed to cancel or return items, ( a big perk in my mind for using a credit card ) and was told because of the large amount ( {$1200.00}, 2 round trick tickets on XXXX XX/XX/XXXX ) and subsequent cancellation, they deemed it fraudulent. To me and most people out there, it is fairly obvious charge-backs or credits should n't count towards the minimum spend. When I ask if I may still meet the minimum spend as I still had over a month left to hit the mark, they told me I would no longer be eligible because of the " fraudulent '' activity. I do not believe I broke their Cardmember Agreement Terms. " Violating or abusing '' to them has been me cancelling a charge which seems outlandish. With nowhere else to turn, I 'm hoping the CFPB can help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Lendgo, Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Mortgage in my name XXXX car loan a credit card opened in XX/XX/2023 I have not opened a credit card or any loan I. The past XXXX  years any thing open now is fraud not me

Company response to consumer: Untimely response
Consumer complaint received 2022-03-29
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My identity was stolen and on XX/XX/22 someone named an unauthorized withdrawal of {>= $1,000,000} and my bank, Bank of the west will not give it back to me. They were supposed to protect my money. There were no alerts sent to me when in one day {$7500.00}, {$6500.00}, {$3500.00}, {$510.00}, {$510.00}, {$510.00} and {$500.00} were fraudulently withdrawn from my account.

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 2023-02-01
Company: EQUIFAX, INC.
State: NJ
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 called XXXX many times in an attempt to rectify this issue. They are reporting late payments to the CRAs even though the terms were {$XXXX} for XXXX months. The account was paid off before then. In fact equifax shows XXXX derogatory months while XXXX XXXX shows XXXX. The amount due was paid in a lump sum of {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello. When I applied for Barclays JetBlue Business Credit Card, points offer was XXXX sign-up bonus, ( XXXX bonus points after spending {$1000.00} within the first 90 days, and additional XXXX bonus points after spending a total of {$6000.00} on purchases within the first 12 months ). I have a screen shoot of my application that has date on it ( see attached ). I got first part of XXXX, but not the second one. I've called numerous times and opened up a case # XXXX to get 2nd XXXX point, but nothing has happened. It's been going back and forth with emails and promise of a phone call. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: FirstCollect, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First collect is trying to collect a medical debt without getting my informed consent per HIPPA law, they accessed my medical information and violated my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new Safe-to-Spend checking account with Simple Bank, an online-only bank ( www.simple.com ), on XX/XX/2019. I attempted to transfer funds from an account that I have with an external bank into this new checking account with Simple Bank but received an e-mail from Simple Bank on XX/XX/2019 stating that Simple Bank had frozen my new checking account. 

Per the e-mail, Simple Bank is requesting several sensitive documents from me containing my personal information such as color photos of my social security card and government-issued photo identification as well as my two most recent bank statements for the external bank account from which I attempted to transfer funds to my new Simple Bank checking account. I refused to provide this information as it is very sensitive, personal information that I felt that Simple Bank did not need to verify my identity. I have successfully done business with other banks without needing to provide this information. 

I have had several phone conversations with Simple Bank to negotiate a solution in lieu of providing this information, including closing this account. However, Simple Bank refused. Instead, Simple Bank sent me two more messages on XX/XX/2019 and XX/XX/2019 requesting this documentation from me. Simple Bank continues to insist on me providing this documentation and will not grant my requests to close this account. My account remains " frozen '' with Simple Bank refusing to close my account or allow me access to my funds ( ~ {$5000.00} ). 

I am extremely upset and dissatisfied with Simple Bank throughout this process for requesting sensitive private documentation from me as well as refusing me access to my funds or to close this account. My experience has been completely the opposite of Simple Bank 's slogans and marketing that suggest their customer service is better than other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I.C System Inc.XXXXXXXX XXXX XXXX {$2000.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof.

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 2021-11-03
Company: Commonwealth Financial 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 been fighting reporting on my credit bureau for more than 5 years. I have explained I have no knowledge of this debt over and over again for them to remove the debt and then they sell it to someone else who then trys to collect all over again. The information I know is only due to the many times this has been attempted collection. In the state of Florida, this debt ( for whomever the owner is ) has far passed the statute of limitations and should be removed as uncollectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Continental Currency Services, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Continental currency services. XXXX XXXX XXXX XXXX c.a XXXX. XXXX XXXX transaction XXXX reload card. in this office it is already the 4 time that they try to steal money he gave him {$170.00} to recharge my card and I only deposited {$70.00} dollars XXXX ) on my XXXX  card he only gave me {$400.00} of {$800.00} always trying togive me less money same cashier its a women very young look XXXX o XXXX years old only

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I got a call from a company call XXXX XXXX. They told me that I owed Advance Financial {$900.00}, when in truth this being paid through an attorney and the amount is much less. The only information I have about this company is that the phone number is XXXX XXXX XXXX and it is from XXXX TN. I am not able to find an address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with PORTFOLIO RECOVERY A, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO RECOVERY A, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XX/XX/2021 I paid off my loan with Capital one auto financing and have not received my title to my car despite numerous phone calls to the company I have gotten nowhere with them Im asking for help in retrieving the title to my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: NV
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:
This goes back to XXXX .I inquired with XXXX XXXX College about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXXXXXX XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested the three credit bureaus ( XXXX, XXXX, and Experian ) investigate numerous inaccuracies on my Consumer Reports. They have not investigated thoroughly and have not corrected my report. I have disputed online and via letter.

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 2023-02-24
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get an accurate credit score and credit report from CreditKarma for over a year. My XXXX credit report is showing it hasn't been updated since XXXX of XXXX. I have attached 4 screenshots showing that this has not been updated since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Two collection accounts appeared on my credit report in XX/XX/XXXX. I disputed them with Experian under report # XXXX and that dispute ended with the account information being updated and verified. I disagree with that result. When I first saw the two accounts that are in collections, I noticed they were related to private loans I took out in law school in XXXX or XXXX. Some time after graduation in XXXX, I consolidated my student loans and assumed that the private loans had been included. I never received a call or spoke to anyone from XXXX, XXXX and XXXX. I never heard of that agency until this XXXX. The collection accounts do not show on my XXXX report but does on XXXX and Experian. By the way, I had to paid {$25.00} on the XXXX website just to access the dispute page ( I did not yet submit a dispute to XXXX ). I think this payment requirement is very unfair. XXXX says the collection accounts were opened on XX/XX/XXXX. However, when I told the Experian customer service rep that the loan dates back more than 15 years, she explained to me on the phone that the XXXX account was opened in XXXX and said the account should fall from my credit report in XXXX. A review of the Experian credit report does not show a XXXX date anywhere, so I see the XXXX comment was a way to get me off the phone and accept the result. I would like the two collections deleted simply because it is a debt I never acknowledged. I had no interaction with the agency. XXXX is trying to recover a debt that was incurred more than 15 years ago.

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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Two collection accounts appeared on my credit report in XX/XX/XXXX. I disputed them with XXXX  under report # XXXX and that dispute ended with the account information being updated and verified. I disagree with that result. When I first saw the two accounts that are in collections, I noticed they were related to private loans I took out in law school in XXXX or XXXX. Some time after graduation in XXXX, I consolidated my student loans and assumed that the private loans had been included. I never received a call or spoke to anyone from XXXX, XXXX and XXXX. I never heard of that agency until this XXXX. The collection accounts do not show on my XXXX report but does on Transunion and XXXX. By the way, I had to paid {$25.00} on the Transunion website just to access the dispute page ( I did not yet submit a dispute to Transunion ). I think this payment requirement is very unfair. Transunion says the collection accounts were opened on XX/XX/XXXX. However, when I told the XXXX customer service rep that the loan dates back more than 15 years, she explained to me on the phone that the XXXX account was opened in XXXX and said the account should fall from my credit report in XXXX. A review of the XXXX credit report does not show a XXXX date anywhere, so I see the XXXX comment was a way to get me off the phone and accept the result. I would like the two collections deleted simply because it is a debt I never acknowledged. I had no interaction with the agency. XXXX is trying to recover a debt that was incurred more than 15 years ago.

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 2023-02-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There was damage done to the house by Hurricane IAN. 
Insurance company sent check. 
Check was endorsed and sent to Fifth Third bank. 
They are holding the fund until contractors sign a waiver of lien. 
The waiver of lien form does not look like the one specified in Florida Statute 713.20. 
The real problem is that the Bank places the consumer in a catch 22 situation where they won't release funds until a waiver is signed.

The contractors won't sign wavers until they are paid.

So I paid out of pocket one contractor and put a deposit with another.

I have uploaded documentation to their website and still no funds have been released.

The following documents are required : Contractor waiver of lien - A lien waiver is a document from a contractor, subcontractor, materials supplier, equipment lessor or other party to the construction project stating they have received payment and waive any future lien rights to the property for the amount paid.

Asking someone to wave their legal rights before they have been paid is ludicrous.

Not releasing any funds makes the entire point moot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor {$1100.00} XXXX XXXX FI {$1200.00} XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX {$640.00} XXXX XXXX XXXXXXXX XXXX {$550.00} Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions, I break it down to understand like this, consumer ( indvidualu ally person ( company ) transaction ( payment history ) experiences ( utilization ) so if You have ion late payments on credit report go look up this ng law and use all the words marked in st ) parentheses, include this in your dispute letter and get em removed! XXXX XXXX XXXX Please remove late payment

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