BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
In XX/XX/XXXX I applied for an American Express Delta Airlines Skymiles credit card from a promotion that was mailed to me. The promotion was XXXX. I still have the mailer that was sent to me which expired on XX/XX/XXXX. The terms of the promotion were that by spending {$2000.00} on the card, XXXX miles would be applied to your Skymiles account. Spend another {$1000.00} ( {$3000.00} total ) within the first 3 months of card membership and receive an additional XXXX miles ( total XXXX miles ). <P/>I contacted customer service and requested an investigation. The Case # is XXXX. after several weeks of not receiving a response I called Customer service today XX/XX/XXXX at around XXXX EDT and the agent informed me that I did not meet the spending threshold. When I protested, she said she " misspoke '' and then informed me that I had actually applied to a different promotion that awarded XXXX bonus miles. How I could have applied for a different promotion is unclear since I applied through the number that was in the mailer with my skymiles card number. <P/>I believe I was misled by American Express and have cancelled my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: BARCLAYS BANK DELAWARE
State: NV
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 applied for the XXXX XXXX issued by Barclays online on approximately XXXX XXXX, XXXX. My account was issued and opened on XXXX/XXXX/XXXX. Based on the information advertised online I was to receive XXXX bonus points after spending {$1000.00} on credit card charges within the first 90 days of the card being issued. I only received XXXX bonus points. I have made two calls to customer service this past week and was informed I will only receive XXXX. I stated to the reps. that is not the program and benefits being advertised on the XXXX/Barclays credit card site and the company is deceiving customers. None of the reps have been able to rectify the issue. I called on XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX. I was transferred to various reps who said they could help me and to no avail. On XXXX XXXX, XXXX, I was transferred to a manager who said she would call me back and no return phone call. 

The second reason I applied for the XXXX card was the advertised interest rates. The lowest interest rate was advertised at 12.99 %, 20.99 and last tier 25.99 %. I have excellent credit anywhere from XXXX to XXXX 's credit score. I was issued 20.99 % interest. After calling back after receiving card, I was never given a reason why I was issued 20.99 % interest rate given my great credit score. No rep would give me a diffinitve reason of my interest rate. Only, well your a new customer! 

Please research Barclays and put a stop to false advertising for this credit card!

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FRAUDULENT ACCOUNTS ARE APPEARING ON MY CREDIT FILE THAT ARE NOT 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 non-monetary relief
Consumer complaint received 2018-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had an investment in an IRA fund that went out of business. The company sent me a check. I opened an account with Citizens Bank {$34000.00}. The rate was to low so I decided to move that money to another IRA account with better rates. Citizens Bank DID not advise me that funds could not be moved twice in a year with out a government penalty. I was issued a XXXX. I called Citizens to try to resolve the problem.. Citizens bank claimed I told the bank manager I was using the fund for home improvements. Just a made up lie. I put the money in another IRA account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I have attempted to contact Midwest Recovery Systems ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX ) twice but the company has refused to respond. This company has reported a negative collection account for {$610.00} to all three bureaus. I have no knowledge of this debt or the company and I certainly did not sign any agreements with them. Prior to the appearance of this debt on my credit reports, Midwest Recovery never contacted me or sent a notice of my right to dispute. The company did not send any documents to me, simply placed an inquiry and reported a negative collection account. 

I last attempted to dispute this debt directly with this company by requesting a debt validation via certified mail and the company received it in their office on XX/XX/2018. To date, I have not received any correspondence from their office and I have given this company ample time to respond to multiple requests asking for validation of this debt. In this case, I would like for this company to delete the and cease reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Experian Information Solutions 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:
I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/ 2019, I have been trying to get this account removed off of my credit.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: MI
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:
My account is closed and I'm trying to have it removed from my credit report Account # 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 2022-11-19
Company: EQUIFAX, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bloomingdales credit card has an account on my credit file that doesn't belong to me. it states the card was opened in XXXX during this time I was a victim of Identity theft I have written multiple letters and filed a police report. I believe someone in my family stole my identity they have opened multiple account in my name as well as bank accounts, credit cards and loans. when first learned of this I was sure what I was suppose to do to get my life back. This has been the worst nightmare trying to obtain my identity back. I was unemployed from XXXX to XXXX and never applied for any credit, I wasn't in a position finically to pay anything or even apply for credit knowing I didn't have a steady job.

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 2023-10-22
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Edfinancial was my designated loan servicer for my graduate school loans. I have been trying to contact them for about 1 month regarding my monthly payments and making a large principal reduction payment. I first called on XX/XX/XXXX. Their office was not opened. I called again Tuesday when the office was opened again. My wait time was estimated as over 300 minutes. They called back the next day and I could not answer because I was treating patients. I tried again on XX/XX/XXXX, again was put on a wait list for a call back that was over 300 mins. Again, I could not answer the call back and no voice-mail was left, nor did they attempt to contact me again. I called again XX/XX/XXXX. Was put on the waitlist and got a call back that night. I spoke to the representative for about 3 mins ( most of it was her confirming my name and DOB, etc ). I asked my question and she said she would place me on a brief hold. After about 1 min on hold, she hung up the phone. I called back again on XX/XX/XXXX and got a call back that day. Again, after confirming my personal information, the representative hung up on me. I sent an email that same day hoping for a response and I have not received one yet ( it is now XX/XX/XXXX ). I placed another call on XX/XX/XXXX, hopefully I hear back Monday, but don't expect much since I keep getting hung up on. I just want to figure out how to pay these people what I owe them. I work in patient care 5 days a week during their open hours, so it is hard for me to get in touch with them. I am having to step away from patients to answer their calls only for them to hang up on me. I was hoping the email route would go more smoothly, but that is not the case. I am seeing lots of other horror stories similar to mine about Edfinancial. I just want my questions answered so I can pay my loans back in a timely manner!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items in the attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reached out to XXXX on several occasions about a bankruptcy and collections on my report from XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ), & XXXX. I have sent them proof that I have reached out to the collection companies and they have yet been able to send any proof that this collection is mine, yet TransUnion still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.Also, the other credit bureaus have deleted these as they were unable to verify some of these.

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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Unable to get annual credit report with my valid name and ssn. Please help us.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: VA
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:
The credit reporting agencies Experian, XXXX and XXXX is reporting a Closed XXXX XXXX  Account # XXXX opened on XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXX opened on XXXX XXXXXXXX XXXX Account # XXXX opened on XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX Opened on XXXX XXXX Dept Of ED/XXXX account # XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX account # XXXX opened on XXXX XXXXXXXX XXXX  account # XXXX opened on XXXX XXXX XXXX XXXX XXXX account # XXXX opened XXXX XXXX XXXX account # XXXX Opened on XX/XX/XXXX 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 2020-11-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance paid this bill in 2013, the year it was filed. This bill is from 2013 and all of a sudden it appears as a collection with no written notice at the time of trying to purchase a house. Amount is XXXX , collection company is paramount recovery systems. My insurance contacted them, with me on the line, to give them information of the bill being paid and they will not take it off. My insurances has since sent me the statements of where it was paid in 2013. I can not get a hold of said dr. And hospital has nothing on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
We have a case open with Bank Of America because money was taken from our account in the amount of {$30000.00} on XX/XX/2022 in a form of bill pay payable to an XXXX XXXX account that we do not own. 

Complaint was already filed with CFPB and case is still open because Bank Of America requested more time to file an answer. 
Per the guidance they were only granted 60 days and they are taking almost 90 days. They response is past due. 

We are filing another complaint with the FLORIDA OFFICE OF FINANCIAL REGULATION. 

We are still waiting on their investigation to be completed as it is past due and we expect Bank Of America to reimburse our money back.

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 2018-10-27
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Original Total Loan Amounts : {$10000.00} and {$19000.00} both dated XX/XX/2005. Made all payments on time. Guaranteed interest rate was 1.875 %. Navient changed my interest rate to 2.875 %. Accidentally made XXXX  XXXX XXXX Online Payments to spouse 's Direct Parent Plus Loan on Daughter, XXXX 's Account., rather than on my own personal loan. When error was discovered XXXX   XXXX XXXX Manager, myself and Sallie Mae manager resolved the issue immediately and payments were made immediately to rectify the problem. Dept. of Education FSA sent refund checks for overpayments to Parent Plus Loan since that loan had already been paid in full. Navient changed my interest rate to 2.875 and after many letters and phone calls to them they have refused to honor the correct interest rate of 1.875 for years. They may have already changed my interest rate prior to this error having taken place. I have always paid and continue to pay all of my bills on time and it is unjust that those who pay their bills are treated unfairly. 

Another complaint is also being filed in regards to my spouse 's parent plus loan through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 we made an international wire transfer from our XXXX bank XXXX, XXXX for {$28000.00} to our bank Wells Fargo in the USA and the money never appeared in our bank. 

We have tried to clear this up numerous times with Wells Fargo, that denies ever receiving such money. 

XXXX denies having this money and claims Wells Fargo has 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 2023-01-18
Company: WELLS FARGO & COMPANY
State: MI
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:
XXXX federal bankruptcy XXXX XXXX, thought this was included. Do have hardship on social security and due to my house being arsoned. Repairs are being done but wasn't sure if I had already gotten this taken care of like the others affected as well. 
Address is still XXXX XXXX XXXX XXXX Michigan since XX/XX/XXXX. All prior addresses are null and void. Current phone number is XXXX XXXX XXXX. All other numbers are null and void.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: NY
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:
i went to a car dealership to and they said they would only be using XXXX now there are over five hard inquiries on my credit report. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also applied for a credit card with XXXX now there are hard inquiries i dont know where they came from i listed the accounts above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FAIR COLLECTIONS & OUTSOURCING has attempted to collect an alleged debt not owed. 

I received an alleged debt collection notice from FAIR COLLECTIONS & OUTSOURCING, INC for the amount of {$8200.00} which violated 5 federally protected consumer rights under 15 USC 1692. 

On XX/XX/XXXX, I mailed a Debt validation letter to FAIR COLLECTIONS & OUTSOURCING, INC requesting validation and NOT " verification '' or proof of my mailing address. Also on this date, I mailed a Cease and desist letter pursuant to 15 USC 1692c ( c ) to cease all forms of communication with me through any and all mediums. 
I have also sent a notarized affidavit of truth with exhibits and an invoice for the violated federal consumer rights under 15 USC 1692 which is {$1000.00} per violation. 

I have received a green return receipt stating that FAIR COLLECTIONS & OUTSOURCING, INC received and signed for the letters as of XX/XX/XXXX. 

FAIR COLLECTIONS & OUTSOURCING , INC currently has 711 consumer complaints on the CFPB as of 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