BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: Blackhawk Network Holdings Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a {$500.00} Mastercard gift card for cash in late XXXX or the first week of XXXX from a XXXX XXXX XXXX supermarket located on XXXX XXXX, XXXX. I do not recall the exact date. The card is issued by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX I believe that I registered the card with the issuer either the same day or the day after. I registered the card on the issuer 's website and the website showed a {$500.00} balance, at which point I discarded the receipt. Around the middle of XXXX when I checked the balance of the card I found 2 unauthorized online charges, one for XXXX and one for XXXX XXXX. I immediately notified the issuer, and thereafter called both XXXX and XXXX XXXX corporate to notify them of the fraud and hopefully stopped shipment. I provided the issuer with a copy of XXXX XXXX response email and advised the issuer that XXXX told me that they researched the transaction and that the delivery address was that of a re-shipper and the product was probably already out of the country. 

I submitted the issuer 's claim form and photos of the card as requested. I advised the issuer that the card had never left my possession, nor had I shared the number with anyone. I did not make the two disputed purchases. 

I also mailed a letter to the issuer requesting that they process the claim and that they provide me with sufficient information about the purchase that I could ask XXXX XXXX XXXX to research the transaction. I received no response. I requested by email that they call me. They have not. I left a message with their corporate HQ asking for a return call. No call. 

The issuer 's last email response was that unless I could provide them with a copy of the receipt that they would not process the claim. 

They stated : " Because Gift Cards are anonymous products the purchase or activation receipt is required to validate that our cardholders are the original purchasers or intended recipients of the cards. You may request a duplicate copy from the original purchase location. '' If the card is purchased anonymously, how does a transaction receipt prove that the holder is the original purchaser or intended recipient. Suppose that the card and the purchase receipt were lost and someone picked them up? In addition, the issuer sent me a new card -- with my name on it -- containing the balance of the funds, without any proof that i was the original purchaser or intended recipient. 

I am an attorney licensed in RI and MA. Do they think that I am foolish enough to risk my license and reputation over this claim?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22
Company: Spring Equity LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We decided to refinance our mortgage ( 3.625 % 30 year fixed with XXXX XXXX ) and went with Spring EQ for a 2.75 % 30 year fixed, and signed the closing documents XX/XX/XXXX. Spring EQ was to pay our County Real Estate taxes and Homeowners Policy in XXXX. Early this month I received a " Tax Delinquency Notice '' from XXXX County, MD telling me that my property would be subject to a tax sale if property taxes in the amount of {$3000.00} ( including a {$60.00} late fee/interest charge ) were not paid by the end of XXXX. It was also discovered that the Homeowners Insurance ( XXXX XXXX in the amount of {$1800.00} ) due XX/XX/XXXX, had not been paid. For three months my home had been uninsured! Spring EQ was negligent in all respects relative to their handling of the Escrow Account, and have been very slow in handling this emergency ( HOI was paid today ( XXXX XXXX ) and I paid the Real Estate taxes personally last Friday, XXXX XXXX to keep my house from being subject to a tax sale. The " closing disclosure '' is not easy to read, but it looks like Spring EQ and their closing agents, XXXX, charged me {$2000.00} in fees to settle the closing, which was very poorly done. My request is to have that {$2000.00} ( which got me nothing ) returned to me. My mortgage was sold to XXXX in the middle of XXXX, and hopefully will be handled much more professionally going forward. My latest dealings at Spring EQ were with a man named XXXX XXXX, who is a Sr. VP and CFO ( his phone number is XXXX and his email is XXXX. Thanks you for your attention to this matter. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called capital one on XX/XX/18 at XXXX XXXX   mst to inquire about a forebearance or workout option. Due to medical issues, we have experienced a reduction in income as well as a substantial increase in medical expenses. I explained that due to the unexpected changes, I am unable to make my minimum monthly payment. I was told by the original representative that no options were available to me. I inquired why and was told that the reason was because the system said so. I escalated to a manager who identified himself as XXXX who was quick to inform me the system said he cant help us and the only thing he could do is waive a late fee. He then said in a frustrated and sarcastic tone, " I don't know '', and ended the call. He did call back at XXXX mst and say it was the system that disconnected him. I asked to be transfered to the office of the president to lodge a complaint and was told he could not transfer us or provide the number or address because they do not have an escalations or complaints department. He indicated that the only option was to provide an address to genrral corespondance. I declined. I asked for his manager and the call was then connected to XXXX, agent XXXX who said he can help by taking a survey to see if we qualify. After guiding our answers and using the info he wanted to put into the tool, he ran our info and said the system denied us and he doesnt know why. We asked for a reason or a letter explaining denial and he said they can not provide either, as its up to the system to decision and nobody knows the logic behind the decision engine. He said the only other option was to do a settlement where we come up with the entire amout in 2.5 months and they close the account. I informed him that again, as stated, I couldnt make the minimum payment and that was not a viable option. I advised I felt it was against the law to deny me without an adverse action letter and agreed but said that no letter exists, as the system makes all decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: Experian Information Solutions Inc.
State: TN
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:
US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-11-16
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Due to a wire fraud, we sent out two wires on XX/XX/2020 to SunTrust Bank at XXXX XXXX XXXX, California, Maryland totaling {$31000.00} - {$19000.00} from XXXX XXXX and {$12000.00} from XXXX XXXX XXXX. The money is still in the scammer 's account with SunTrust Bank and a hold has been placed on the account on XX/XX/2020. Our banks in XXXX XXXX, California contacted SunTrust Bank but they denied cooperating with them. They offered no explanation or assistance in resolving the problem.

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 2018-03-31
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a CC with XXXX membership services. I was denied a card due to a bankruptcy from over 27 years ago. I have very good credit yet Citi had a card in that BK and they are still using it to deny me from getting that card. They stated the information came from XXXX, yet when I ran my report there was no incorrect information ( Good job XXXX ) No Bankruptcy on that record. When I contacted customer service at Citi I spoke to two people both only using first names. To get to a specialists in this area of issue. Quite candidly XXXX told me that due to the BK in XX/XX/1990 That my application was declined. I was told that if my FICO level was spectacular or just higher ( That magic number that is elusive to all ) I could have been accepted. The question begs to answer ... how long can a credit card company hold a BK against you? I was XXXX then. Thanks to that BK I changed my life and was a better person with things financially. Now I am XXXX. Ya think there is anything wrong with that picture? XXXX was painted as the company I can dispute the false reporting of my BK. Yet the facts here are written in stone and the past is never forgotten on Citi 's ledger.

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 2020-12-01
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: Information belongs to someone else

Complaint:
To Experian. I never had to use my credit until now when I am about to utilize it to get my first mortgage. When I looked at my credit, somebody stole my identity and opened over 5 accounts on my credit. I spoke to real estate office and they said to contact you guys to get things removed. I also contacted the Federal trade commission. They advised me that you guys will block and remove the fraudulent information to protect my rights as a consumer. I hope this is true as I can't move on with my life without it.

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 2020-05-29
Company: SYNCHRONY FINANCIAL
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had paid the debt that I had with Synchrony Bank Pep Boys Credit Card in full and keep billing and refuse to send me a paid-in-full 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 2020-12-01
Company: Experian Information Solutions Inc.
State: SC
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 was a victim of identity theft. I have submitted numerous affidavit info along with everything needed and yet they keep ignoring or not reading the information. XXXX  took care of everything immediately and for some reason XXXX  thinks they have a different set of legal guidelines apparently

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 2018-03-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I recently sold my old, wheelchair accessible van online. I received payment by a buyer along with the shipping fee for a total of {$65000.00}. I was instructed to wire to the shipping company. The check was sent to me in the mail for {$65000.00}. Navy federal credit union said it would take 48 hours for the check to clear, after which the funds would be available to me. After the 48 hour period Navy federal credit union cleared my check. I then used those funds to wire {$22000.00} to the shipping company to ship the vehicle as per the buyers request. I used the rest to pay off some debt and the vehicle loan for my new handicap accessible van. The very next day my account reflected a {$65000.00} deficit. I complained to Navy Federal via  telephone. Apparently it was a scam. I was rudely dismissed by the phone representative and her supervisor and told that the 48 hour waiting period is really more like five days. I went into my local branch and talked to the manager who was more sympathetic ; but yet the manager still reiterated the fact that yes, indeed, I was told by the bank teller that processed the deposit of the check that the check would take 48 hours to clear before the funds would be available when in fact the period for a check to clear is more like five days. I told the manager that this wouldve been invaluable information at the time the funds were released to my account. I most certainly wouldve waited the additional 72 hours. And I left without a good answer as to why I was told I could access my funds after 48 hours, if in fact the waiting period is more like five days. Now Im stuck with the bill. Its hard to imagine Navy Fedrals motto is serving those who served. Not so much! 

Sincerely, XXXX. XXXX XXXX, XXXX, XXXX. 
XXXX Veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: CA
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 is reporting a fraudulent account from XXXX XXXX. XXXX  and XXXX  investigated and found account to be fraud. Both bureaus removed account. Equifax is still reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a vehicle and within the first week the engine caught on fire and the car was totaled. I had never made any payment for the vehicle. And the dealership commuter cars was supposed to nullify the deal. Instead they went and XXXX XXXX a payment in my name illegally trying to make me responsible for a vehicle I never received ownership of. They have put the debt on my credit report trying to collect a debt I don't owe. And have been u reachable yo try and settle the matter. As they know what they did was illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been trying assiduously to close/cancel a Chase credit card issued through XXXX ( or XXXX XXXX, ending in XXXX ) since early in the year, before covid. I have tried again, in XXXX, with the same result. Their phone system does not offer an option to cancel the card or to speak to a human being. Their online system routes anyone seeking customer assistance to a blog where customers are supposed to post how they solved their problem for the aid of other customers - but it does not get a response from a Chase representative. 

I want to cancel the card. I wanted to cancel the card before the annual fee was due, on XXXX. Since this was not possible, I payed the fee of {$85.00} to prevent damage to my credit score. I believe I have a positive balance on the card. I would like the {$85.00} fee refunded and the balance remitted to me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TFC Credit Corporation of California
State: UT
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:
XXXX XXXX and TFC are double reporting a debt on my credit file. I recently pulled my credit and noticed that TFC was reporting a debt that had been sold off to a collection agency. Well I looked at collections and sure enough XXXX XXXX was reporting the debt along with TFC?!? This is a violation under the FCRA and it needs to be fixed immediately. I can not settle this account because I don't even know who to contact at this point, they've just been giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: DC
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:
Experian and XXXX REFUSE TO INVESTIGATE A FRUADULENT ILLEGAL ACCOUNT THAT IS OVER 7 YEARS OLD ON MY CREDIT REPORT, XXXX XXXXXXXX XXXX XXXX, A FRUDULENT, ILEGAL COMPANY. I HAVE TRIED TO DISPUTE THIS ITEM, XXXX XXXX WITH XXXX AND EXPERIAN AND THEY REFUSE TO FOLLOW FEDERAL FCRA LAW AND REMOVE XXXX XXXX FROM MY CREDIT REPORTS! THIS ACCOUNT IS ILLEGAL, FRAUDULENT, OVER 7 YEARS OLD.THIS ACCOUNT VIOLATES FCRA, AND THESE COMPANIES REFUSE TO REMOVE IT FROM MY CREDIT REPORT!!! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATEY! XXXX AND EXPERIAN ARE VIOLATING THE AMERICANS WITH DISABILITIES ACT AND FCRA AND FEDERAL LAW! XXXX AND EXPERIAN WILL REMOVE XXXX XXXX, A FRAUDULENT ILLEGAL ACCOUNT THAT DOES NOT BELONG TO ME IMMEDIATELY FROM MY CREDIT REPORT. EXPERIAN REFUSED TO INVESTIGATE THE MATTER WHICH IS ILLEGAL AND UNETHICAL!! I HAVE REPORTED YOUR COMPANIES TO THE CFPB, THE XXXX  AND THE DC ATTORNEY XXXX XXXX! REMOVE XXXX XXXX, A XXXX $ BALANCE ACCOUNT OVER 7 YEARS OLD FROM MY CREDIT REPORT IMMEDIATELY OR I WILL SUE YOUR COMPANIES. STOP DSICRIMINATING AGAINST A XXXX VERTAN AND FOLLOW 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 2018-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX/XXXX as no settlement could be reached. The second account was with Capital One acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( XXXX XXXX ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XX/XX/XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.

Company response to consumer: Closed with explanation