BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I placed an order on XXXX on XX/XX/XXXX. I ordered a comforter set as well as several other items. I received all of the items in my order besides my comforter set. My tracking information shows a label was created on XX/XX/XXXX, however XXXX never picked the item up, its still in the same status it was in on the XXXX of XXXX which states a label was created. I chatted with a representative on XX/XX/XXXX and was told that I needed to wait for 48 hours while their investigative team looked into my order. I called in on the evening of XX/XX/XXXX and after over an hour of back and forth I was finally told they would issue a refund for the comforter set which was {$76.00}, I was also told I would be getting a XXXX XXXX  credit added to my account for the issues. On XX/XX/XXXX I checked my account and my refund still hadnt been initiated so I went online and chatted with a representative who informed me that my refund was never processed but there was notes that it intended to be, the previous representative just didnt finish the process. He told me my refund would be in my account within a couple days since it was my XXXX  card and I would get a XXXX XXXX credit within 24-48 hours. It is XX/XX/XXXX, I still have not received the comforter I ordered, I have not received my refund, nor have I received the XXXX XXXX I was promised. I called XXXX  customer service again today, XX/XX/XXXX and was told that they are opening a case and I need to wait 7 more days for my refund. 
The reference number for the phone call is XXXX. 
The reference number for the chat is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: AMERICAN EXPRESS COMPANY
State: VA
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 signed up for the Blue XXXX Preferred Card from American Express with the bonus offer of {$300.00} cash back after $ XXXX spending. After not receiving the bonus I called AMEX. They said that it was declined due to having an XXXX XXXX card and an XXXX personal one that was open all the way back in 2011. This is unethical to have me apply for the credit card and charge me a yearly fee and not give me the bonus that got me to open the card because I have had a continue relationship with the company. This is total nonsense this company is deceitful and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I mailed an Identity Thief Report stating I have been a victim of Identity Thief. They reply back as if I was filing a dispute and did not fellow the rules that apply when reporting Identiy Thief. And did basically nothing about 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 non-monetary relief
Consumer complaint received 2022-11-19
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account XXXX 1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX 5.Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account Number:XXXX  7.Validate Account XXXX Account NumberXXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX  Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX TransUnion and XXXX to cease using my information

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 2020-06-02
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: Account status incorrect

Complaint:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-09-18
Company: CITIBANK, N.A.
State: NJ
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:
My account was closed by Citi bank sometime in XX/XX/2020. This was a secured credit card for XXXX. When the account was closed Citi bank held the deposit. I made a payment of XXXX on the account before I knew it was closed. Citi bank also kept that payment, giving them XXXX. They are reporting XXXX on my credit report still being owed. When I call to speak with an representative I was told I only owe XXXX on XX/XX/2020. The last statement I received from Citi bank was about XXXX. I was told that I incurred interest of roughly XXXX after I made the payment. How can I incur any interest if my account is closed. This is fraud and they are refusing to discuss this matter. Each time I call the call either disconnects or transferred to a deadline. Please help me.

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 2019-07-30
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son was renting out an apartment that I signed off as the Co-singer so he could move in for his spring college semester. We were sent a bill that was eventually sent to collections. We have taken care of this matter and have paid it in full. I'm currently apartment hunting and this issue denied me an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX WITH XXXX  FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 explanation
Consumer complaint received 2020-09-15
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a FTC report and the company Ability Recovery Services responded asking for a police report. Why is that necessary when I have proved that the Date of Birth on the enrollment form does not match my Date of Birth and the signature was forged! How is this even legal to continue attempting to collect a debt that is not mine and has been proven not to be mine..

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX  WITH XXXX FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 explanation
Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Complaint Detail/Inquiry Information : We have been Loyal customers of XXXX XXXX Bank ( now called XXXX Bank ) since 1980 and I have no qualms with the service that I have been receiving. We trust them so much that we put ALL my eggs in their basket. Meaning, all CD 's, checking accounts ( for which our pay comes in through separately ), Personal IRA, Money market, and a Joint savings account that is required to maintain a minimum balance, so you see, ALL of our financial hard work, and efforts flow through XXXX Bank. Recently my spouse, XXXX XXXX ( who has unlimited access went without my authorization ) withdrew a very large amount and caused the balance to fall short from the required minimum. Not only was XXXX XXXX not notified of such transaction, I erroneously went ahead and electronically sent the funds without my husband 's consent to some designated location ( see above address ), so when he got wind of it, I immediately went back the VERY NEXT DAY and had the wire ( with a lot of money ) recalled from XXXX. Sadly, enough we are now being told ( by Well Fargo ) that it is TOO LATE and that the end target ( alias XXXX XXXX, of XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX, Their a/c # XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo ) REFUSES to return our funds, which he coerced fraudulently, so we are now out of these hard-earned funds. We are so distraught that this happened, and that Wells Fargo & XXXX Bank didn't & does not want to aggressively recoup our money, for which we have no other choice then to get the New York Attorney General ( s ) involved, and we will be motioning to WITHDRAW & CLOSE out all six major accounts we have with them ( if our funds are not credited ) to go elsewhere to start a whole new relationship. 43 years of loyalty now out the window, & so much for FDIC. Don't believe the hype. We were outright swindled under false pretense, & Well Fargo & XXXX Bank does nothing to help. We are not going to stop pursuing what was manipulated from us. ~Very UN-happy with the turn out. My spouse & I are keep being told that legal or someone will be calling, yet no one ever called us back or any hope of having our {$11000.00} returned safely into our account. Also, all we are being told is : By XXXX Bank, " talk to Well Fargo '' & Wells Fargo tells us : " talk to XXXX Bank '' neither one wants nothing to do with the mishap, yet, all Wells Fargo needs to do is debit XXXX XXXX 's account & return it to it's rightful owners at XXXX Bank Hopefully the attorney general will investigate this HOAX & bring justice to the innocent!

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 2020-09-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a vehicle from Infiniti of XXXX XXXX on XX/XX/XXXX. I purchased the vehicle new as stated on my contract and MV1 Title application. On XX/XX/XXXX I tried to trade my vehicle in and was informed the value of the vehicle was diminished because it had damage reported to the XXXX on XX/XX/XXXX. I was not informed of any damage at the time of purchase and according to the PA New Car Damage Disclosure Act, It was mandatory that the dealership have me sign off on any damage at purchase. I attempted to reach out to the dealership and give them the opportunity to make it right. XXXX the General Sales Manager said that they " had a new finance manager and mistakes happen ''. He offered me {$34000.00} as a trade in value. That is not acceptable to me. I did not go into the transaction purchasing a damaged vehicle. I purchased a new car with no damage, or so i thought. I would like the dealer to pay off my car ( approx {$29000.00} ) plus return to me my down payment ( cash and trade in value {$19000.00} ). I tried working with the customer advocasy department at Infiniti Finanacial since they funded a deal on a new car with damage and no signed XXXX report disclosing the damage. I contacted them on XX/XX/XXXX and on XX/XX/XXXX XXXX contacted me back to let me know she heard back from the dealer and they arent willing to do more than the {$34000.00} ( under Manheim Market Value ) XXXX XXXX offered to do on XX/XX/XXXX. This dealer broke PA state law, mislead me into thinking this was an undamaged vehicle and now wants to make more $ on me for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!

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 2020-09-18
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has along history of financial gains from unsuspecting persons from military to civilians in researching their history. They have sent out a notice showing me a DOD referenced past due bill of XXXX ; when pressed the male caller at XXXX stated it was in reference to XXXX. This all with no documentation to support and then they had added penalties and fess of almost {$700.00} I requested no further calls to be made until documents could prove this claim. In calling both finance and XXXX there was/is no amounts outstanding or due. Further they never use a 3rd party agency for collection. In my opinion this is fraud being practiced across state lines into Texas. Further they are using a XXXX XXXX  in XXXX XXXX to have unwarranted payment sent to by credit card. This crosses several lines in fraud to criminal activity. I do not see how this activity can continue over the years. Please help stop this so others are not swindled. I would close by saying the XXXX XXXX in XXXX XXXX MO should be investigated for receiving these funds scared out of some folks! Wrong, very wrong even in this business ' operations in the US!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I, XXXX XXXX hereby files a complaint against a mortgage servicer known as AmeriHome Mortgage. As a mother of a XXXX XXXX XXXX, I recently had to make some changes in my life to attend to his needs, which incorporated taking a new position with a XXXX XXXX XXXX. So, during this time frame, I fell back on some mortgage payments. I can now afford to make mortgage payments, and the servicer representative were trying to force me into making double mortgage payments every month, which is simply not reasonable. I have no problem with the great interest rate on my mortgage, which is at 3.75 %. My normal payment is approximately {$2500.00} monthly. AmeriHome demanded a payment of close to {$5000.00} monthly, and that is abusive and not applicable to my overall financial situation. 

A mortgage collection is considered by recent federal cases before the U. S. Supreme Court as a debt collection, and therefore come under the jurisdiction of the Fair Debt Collection Practices Act ( FDCPA ). The amended FDCPA of XXXX XXXX, 2010 has directed that while a mortgage is in a modification process, that all foreclosure actions cease. 

Even though I have arrears in my mortgage, I will now make payments of {$3000.00} to {$3500.00} monthly, and I request a modification package to be emailed directly to me or sent to the law firm I have on this matter. The first thing I want accomplished with this complaint of abusive collection practices is a cease and desist of calls from the collection division of AmeriHome Mortgage, and a case worker assigned to me on a modification process. I will submit all paperwork to complete the modification process as quickly as possible. I am requesting that all arrears be place on the back end of my mortgage with a monthly reason able payment plan that will bring the account to a positive position in the shortest time frame. The matter must be resolved in a modification process. 

My home also has substantial equity and there is a good chance that PMI can be removed from my mortgage. This will make my home mortgage even more affordable. Accordingly, I request this to be part of my modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the company scammed me into getting the card. i had to file a complaint with you already. i was waitimg for a resolution to the complaint so i did not pay any of the bill. the complaint was resolved in my favor so i called tto pay the balance and i was in collections. i then paid my card and closed my account. now i have nefative credit because of it. i called and XXXX employee number XXXX said they could only called the risk review dept and the would not respond for 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