BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Illegal eviction was filed and a consent judgement was rendered with no charges as of XX/XX/2016. The collector is trying to collect a debt that is not owed. In addition to the attempt to collect a debt that is not owed I am also currently trying to delete the filing of the eviction off my credit report considering it was illegal and the creditor initiated the dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/XXXX I opened a new credit card with 12 months 0 % promotional rate on purchases. It would make sense that I should pay no interest through XX/XX/XXXX.  Unfortunately Capital One thinks differently. They said that the 12 months 0 % promotional rate expired in XX/XX/XXXX. Not sure how is that possible. They charged me {$180.00} in interest for one month. I talked to a manager at Capital One, his name is XXXX and he was located in XXXX, Manger ID XXXX. I asked him to resolve the issue and reverse the charge, but he completely refused to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In month of XX/XX/2018 i have asked for a credit line increase for CITI Double case credit card. and i got a line of increase upto {$5000.00}. i am making my payments regularly never missed a payment for my any card and today i was checking my credit report i can see 35 points down in my credit report, upon checking found that i was having 2 CARD from Citibank 1 ) is CITI XXXX card ( usage % 107 ) and 2 ) Double case card ( usage % 59 ), i made Full payment for my XXXX card and next day i see my credit line reduced for double case card from XXXX to XXXX. 
CITIBANK reduced the credit line from XXXX to XXXX Limit. Which changed the credit line usage % on my score and it decreased my points by 35 points.upon checking with Bank specialist they are mentioning we see you have revolving credit on your account and we reduced the limit on your card and we have sent notification via mail today. When bank decide to reduce some one line of credit did you discuss with customer? Did you check if the revolving credit i have as if i am not making any payments? did i came in any ones defaulter list? without checking any factor how bank can reduce some one line of credit. 

Please guide me how to convey my message to bank that this type of situation can affect someone credit score and it take ages to build score and maintain for a customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have 5 credit cards with Chase and have been a customer of theirs for 10 years. They recently closed all my cards at once. I called them and they refused to tell me why. I also have checking and savings accounts with them, and am concerned that if they close those my direct deposit or mortgage could be affected. I am very frustrated by this sudden issue and the lack of and refusal of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Due to COVID-19 I have been in a fiscal channel. I have been doing what I can to improve my credit with the objective that I can move toward more resources. I am experiencing uncommon difficulty arriving at TransUnion and endeavoring to address certain information on my credit report. TransUnion has very poor correspondence, I didn't get any updates, nor are they supporting the information I am challenging. Due to the negligence of the credit bureaus I have not had the option to push ahead to quiet a part of the budgetary weight I've endured during the ongoing months. I sent correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are joined underneath and gotten no reaction. I need to have these issues examined and settled as fast as could be expected under the circumstances.

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 2019-04-19
Company: ALLY FINANCIAL INC.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This checking account is our business checking and I sit down monthly to do our books. At that time I noticed a {$500.00} charge on XX/XX/XXXX that stated it was a business to business transaction with Ally Bank that stated my name XXXX XXXX XXXX. I have not connection with Ally Bank and if fact have never heard of them until this happened. I tried to find out about the transaction and XXXX XXXX customer service was not much help so I decided to go down to the branch and speak with someone. As he was looking at our account we noticed another one that day earlier that looked exactly the same but was for {$470.00} on XX/XX/XXXX. We called in to ALLY to try to get more information about the transactions with the trace numbers and Ally Bank couldn't give us any information on those transactions and had no idea who I was and didn't have my name or ss number in their system. It is very apparent that someone paid 2 bills fraudulently with our business bank account number and we want our money back. Because it was an ACH transaction the regulation states that it needed to be caught within XXXX XXXX because it was a business account and even though it was fraudulent, would not be able to give us our money back. In the past when I have ever done any type of transaction like this I had to do multiple verification process and it is crazy that someone can have our bank account information and pay their bills so easily.

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 2021-05-06
Company: AmeriHome Mortgage Company, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Issue is with payment to Amerihome Mortgage. 

We attempted to make a direct bank payment via their web site from an account with well more than sufficient money to make the payment. We received an email saying we had paid, on time, for XXXX. A month later we began receiving mail about a missed payment. 

The payment had apparently been reversed a week after it had been submitted. Multiple contacts were made to the company, hours on the phone, nobody could tell us what had gone wrong or how to correct it. Their only advice was " try it again ''. The third time, it just worked, and nobody could explain why. 

The next month it happened again. This time we tried two different bank accounts. Same issue - the web site/email said the payment went through, and it was " reversed '' to no explanation 10 days later. It seems clear there was a technical issue with their web site - these issues began after they made major updates to it. 

We then tried sending a paper check. We were told over the phone that we weren't allowed to send paper checks because of multiple reversed payments, and now had to mail money orders. 

We have the money to pay, and we are potentially going to have damaged credit despite that because their web site has technical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2019-04-19
Company: Experian Information Solutions Inc.
State: LA
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:
Experian, is reporting inaccurate information -- I do not owe this debt to this collection agency -- the contract was cancelled/ended " NO CONTRACT '' and yet Experian is reporting I owe this debt to this company, how can a Collection Account/Experian report a past due balance, and a balance owed ( violation ) I have disputed this account with Experian many times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I Lastly disputed this ACCOUNT XX/XX/XXXX, Experian has FAILED to update the status, there last date of is status is XX/XX/XXXX '' ) ( Violation ) and this issue isn't resolved yet, Experian  keeps responding it has been verified with no proof- of a signed contract bearing my signature that binds me to this debt, or other documentation of validation -- Experian is verifying this debt through previous disputes, and electronically through XXXX this is unacceptable and very unfair to me as a consumer, ( I requested in writing to have human interaction to verify this debt thoroughly ) this has been ongoing for 1 year going into 2 ... .. This is giving me a negative mark on my credit report and making it hard for me to obtain credit..DELETE THIS ENTIRE ACCOUNT IMMEDIATELY!!!

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 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent a dispute to TransUnion for a collection account that is being reported by XXXXXXXX XXXX XXXX ( XXXX ). The dispute was sent via certified mail on XX/XX/XXXX. To date, TransUnion has not addressed the dispute. I recently sent the attached letter advising that they have exceeded the 30 days allowed. I received the attached letter stating that they were unable to determine the nature or my request or the request was illegible. I am requesting an immediate removal of the account reported by XXXX XXXX XXXX as TransUnion has failed to comply with my original request. I have attached a copy of the certified mail receipt, a print of my report showing XXXX listed, the 2nd letter mailed after 30 days, the letter received by TransUnion and a screen print from TransUnions website which shows that the dispute was received. If TransUnion was unable to determine the nature of my original request or if it was illegible, the letter that was sent on XX/XX/XXXX should have been sent within the 30 days.

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 2018-07-02
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
I had an account with XXXX in 2009 and I canceled early. They sent me to collections in the same year. I was going through a divorce and they sent it to a company called XXXX XXXX XXXX. They keep changing the dates on my report to reage the account. I have requested this be fixed multiple times and they ignore my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for modification again in XX/XX/XXXX -- -I made three months trial payments -- sent all information they ask for -- -- I was informed that modification approved XX/XX/XXXX but I did not receive final modification papers until XX/XX/XXXX ... ..I called them every week to get an update -- I was told " we are working on it '' ... I finally made a call to XXXX XXXX and asked them about my loan -- they said they would inquire to chase about my loan ( this was in XX/XX/XXXX ) ... I have gone through so much stress about keeping my home..after filing chapterXXXX -- losing my husband -- and a decrease in income -- I have had increased XXXX  -- I now have that modification ... ..but is it for real????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: AMERICAN EXPRESS COMPANY
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:
Back in XX/XX/XXXX, I received an email regarding upgrading my XXXX Honors American express card. The email said that if I upgraded today, I would receive XXXX XXXX honors bonus points if I spent {$1000.00} in the first three months. I clicked on the link to upgrade. I was taken to an American Express website stating the terms and conditions of the card. It would be an increase from my {$0.00} annual fee to a {$95.00} annual fee, but as I would be receiving XXXX bonus honors points to use for hotel stays, I thought it would be worth it. So I accepted the terms and was told I would receive my new card in the mail soon, which I did. I got working right away to meet the {$1000.00} obligation so I could get my bonus points, even though I wouldn't have usually spent that much on that card because I have other cards with better interest rates. I exceeded the {$1000.00} requirement, and patiently waited for my bonus points to appear in my account. After about a month I called to inquire as to where my bonus points were. I was told that the channel I used to upgrade my card didn't offer an upgrade incentive ( even though I used the link that they provided in the email they sent me advertising it ) but they could open a case if I wanted to dispute it. I did open a case. Over the next several months, I repeatedly called and each customer service representative looked up my case, telling me that the case was still being looked into and I would have to wait. Today, XX/XX/XXXX ( five months after I upgraded the card ) I called again and was told that the case had been marked closed with the same conclusion, that the channel that I'd used to upgrade did not offer the incentive. I told them that this was false advertising, because the whole reason I upgraded at all was for these points, and demanded a refund of my annual fee, which she obliged. She also offered XXXX points in compensation, which was the most she had the power to award anyone ( I have yet to receive these as of the time of writing this but hope they will go through ). Since false advertising is illegal, I believe they should award me the remaining XXXX XXXX honors points I was promised upon my upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For the last 3 months I have been sending letters to Portfolio Recovery Associates, XXXX to validate a debt that they claim I owe. Since then they have not furnished all the information to me to prove that the debt belongs to me.I sent off a certified letter to them asking them to validate the letter and they sent letters with little to no information with no information. One letter I received 3 different times from them and it only stated that the company was sold. Since then I've reviewed my credit report and noticed that this company is reporting differently on all 3 bureaus and most of the information is lacking correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Was scammed for {$100.00} on XXXX through my PNC bank app. Someone by the name of XXXX XXXX on XX/XX/XXXX tried to get hundreds from me via refunds and creating a fake XXXX email address to receive funds. I spoke with PNC two days ago and they could not guarantee me a refund for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: WELLS FARGO & COMPANY
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 opened a Wells Fargo business credit card online in XXXX. Their credit card has 1.5 % cash back in every transaction. I spent XXXX on the credit card I should get XXXX dollars cash back but I didnt get any of it. I called Wellsfargo customer service many times. They said I didnt enrolled it. Its too late. What? 
This is the first time I heard that I should enroll the cash back by myself manually after I got approved on their credit card without any notice or call me let me know. So I called them they just declined 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 monetary relief
Consumer complaint received 2020-05-05
Company: Capio Partners, LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection was placed on my credit report. The debt is not mine. They called and when I asked to confirm the medical insurance account associated with the debt, the number dis not match my own. This is not surprising due to the fact that the time the original supposed debt was occurred I was still on my parent 's medical insurance and the only XXXX I had near the time was paid for by them, not me. If this is somehow a debt my father owed, he is dead, also I combed his records and no such debt existed. 

I have looked up the company the debt originated from and this collection agency and all signs point to this being a debt collection scam so I have no intention of contacting them as I feel they can not be trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: Peerless Credit Services Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX was told repeatedly at peerless credit to not call my work number. He proceeded to contact my work 2 more times after asked not to. I am not allowed to receive personal calls at work and this is a violation of my employment. My wife asked him to leave a message with her and she would forward it to me because of the work policy and he told her that he was not allowed to leave messages, even though he left two messages with the secretary at my work. Giving his name and who he was trying to contact. Also threatened us after we questioned him about policies in Pennsylvania about the debt and history of it ... he told us we owed the full amount in 10 days or we were going to be sued for it. 

He called my wife twice at XXXX XXXX and again at XXXX. No messages left. He called me on my cell twice the same times XXXX, XXXX, and XXXX. He also called my employer between those times twice and left messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi, I recently wire transferred {$17000.00} to my CoinBase account. This wire took place on the XX/XX/2017. Since then my account has been locked, and CoinBase is  unable to verify my address linked to my account. Without proper verification and completion of the ID quiz, I am unable to buy, sell, or withdraw any money from the platform. I have called multiple times and have been told that " a specialist is working to verify my account '', however it has been a week and the problem is yet to be solved. My money is locked in a limited CoinBase account and can not be withdrew from the platform. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Exeter Finance Corp.
State: NV
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:
OnXX/XX/XXXX AND THEXX/XX/XXXX XXXX XXXX XXXX, and, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX  and XXXX  credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX  which is located at XXXX XXXX XXXX XXXX XXXX XXXX NV I called and spoke to the manager no help there.

Company response to consumer: Closed with explanation