BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
AN ACCOUNT WITH CAPITAL ONE AUTO HAS BEEN OPENED IN MY NAME WITHOUT MY CONSENT. I DID NOT GIVE PERMISSION FOR THIS ACCOUNT TO BE OPENED. THE AUTO LOAN IS FOR THE AMOUNT OF {$44000.00} IVE CALLED THE CREDIT BUREAUS, CAPITAL ONE AND IVE WRITTEN LETTERS WITHOUT ANY CHANGE. THIS IS CAUSING A GREAT DEAL OF HARDSHIP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have this account removed immediately from my credit reports. 
Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to Unfreeze my credit online with Experian. Just get a Security Freeze Error. No explanation. 
Calling the suggested phone number leads nowhere and not able to reach a representative. 
This is holding up my mortage refinance process. 
Experian online does not provide a way to contact them via email.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This my 5the complaint about Suntrust/ Truist Mortgage their billing, online, people, escalation team and payment process. I made a payment of {$1400.00} thru my bill payer services on XXXX XXXX and it was delivered on XX/XX/XXXX however I received my current statement showing that they only received a payment of {$470.00} as well as I got a letter from SunTrust/Truist today dated XXXX stating that they received funds in the amount of {$5.00} that are not sufficient to bring the loan current. Please see all the attached evidence. Suntrust/ Truist continues to violate UDAAP on my paper statements, their online and letters to you and I which I have brought to your attention on multiple occasion. They always respond that because of the my bankruptcy it does impact my credit bureau which IS NOT the issue. The issue is that they continue to send incorrect statements, amount received and balances. Is there anyone that can assist me bc Suntrust/Truist have not and I get the impression after all this time they will not.

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 2018-01-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I reside in XXXX, but can supply a U.S. mailing address for correspondence if required. 
On XXXX XXXX, I sent 2 international transfers from a XXXX bank account to Coinbase ( A U.S. Registered company ), using the required reference given by this company of XXXX. 
2 Remittances were sent that day for : XXXX GBP ( Equivalent of {$2000.00} USD ) XXXX GBP ( Equivalent of {$60.00} USD ). 

On XXXX XXXX, I received an e-mail from Coinbase to say they 'd had some delay processing funds received from their customers but that my XXXXGBP ( {$2000.00} ) received was now credited to my account with Coinbase, for purchasing of Crypto Currencies. 
There was no mention of the XXXXGBP ( {$60.00} ). Coinbase has never even confirmed receipt, although I can obtain a bank trace, if required. 

The funds of XXXX were not in the account as their e-mail stated and have not materialised since. 

I have tried calling their helpline, but am unable tto get through. After 30+ minutes of waiting, the line simply hangs up. I have sent several tickets to their online support system and have not had any meaningful response in almost a month and at this stage have given up expecting one. 

Since searching online, I understand I am not the only person who has suffered losses like this, there are many others who despite efforts, have been unable to reach Coinbase or receive monies that were in effect stolen after sending in good faith to Coinbase.

As the funds I sent via bank transfer using the reference they requested I use have both not materialised over 1 month after sending, I must report I have had these funds stolen and am now seeking legal help recovering in full - what is mine and not Coinbase 's.

I would appreciate the assistance of the Consumer Financial Protection Bureau in recovering the money I have had taken by Coinbase, without my permission, which is tantamount to theft.

Please reach me via e-mail - this is the best way to contact me when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the fall of 2015 I ended four years of service with XXXX XXXX XXXX. I paid my bill on time for 4 1/2 years. I left because XXXX XXXX XXXX tried to sneak additional charged services in without notification beyond items hidden in the fine print. 

I ended my account in XXXX of that year, paid my past due and moved the number to XXXX. Then in XXXX I was charged for a full additional month of service not received. I protested and eventually had verbal confirmation that the charge would be forgiven. Now they have resent it to collection. The matter is only over the amount of {$81.00} which was charged for services never received. 

This is terrible business practice and very dishonest. I seek XXXX XXXX XXXX to remove the fraudulent bill and fix any negative impacts to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
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: Confusing or misleading advertising about the credit card

Complaint:
I am receiving emails from Capital One Credit Card for a XXXX XXXX, her credit card personal information. I do not have an account with Capital One. I have contacted Capitol One on several occasions and asked them to stop sending her credit card personal information to me. Listed below is a copy of the emails I have recieved within the past 2 months and a detailed email with her information. I have unsubscribed on the email and are still getting them so this is my last resort on how to handle this situation. Detailed email Sign In Your Capital One statement is ready. About your account ending in XXXX XXXX XXXX, Your statement is available. If youre ready, you can make your payment now. Statement balance : {$500.00} Minimum payment : {$180.00} Payment due date : XXXX XXXX, 2017 by XXXX XXXX ET You can also review your account summary and pay your bill with our mobile banking app. 
View Your Statement Make a Payment Did you know? Paying more than the minimum amount due on  your account each month can save you money in finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
State: NC
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:
CBNA went into my account with out my permission cause me to receive a hard inquiry I never open a account with this company dont no who they are

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 2017-07-28
Company: Experian Information Solutions Inc.
State: FL
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:
I reached out to XXXX on XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called XXXX back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing 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 non-monetary relief
Consumer complaint received 2018-01-06
Company: WELLS FARGO & COMPANY
State: PA
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:
IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO WELLS FARGO. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID XXXX DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, WELLS FARGO LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. WELLS FARGO 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND WELLS FARGO IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH WELLS FARGO TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, WELLS FARGO WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. WELLS FARGO WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE XXXX, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE WELLS FARGO HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT WELLS FARGO RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH WELLS FARGO.

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 2019-05-01
Company: AMERICAN EXPRESS COMPANY
State: NY
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 accepted a promotion offer from American Express " Amex '' Cash Magnet cards stating that " after you spend {$1000.00} or more in purchases with your new Card within the first 3 months of Card Membership. You will receive the [ {$150.00} bonus ] cash back in the form of a statement credit ''. I completed the application with a live Amex representative and was approved over the phone. 

So I charge more than {$1000.00} to the card when I called Amex XXXX and asked for my {$150.00} bonus credit, I was told that I am engaging " gaming '' because I have a Gold XXXX XXXX cards which I opened about 4 years ago and there was not enough activity on the XXXX XXXX ( I was told I did not use that account that much ), therefore, I will not receive the {$150.00} bonus. More importantly, I have no idea Amex using the word " gaming '' in which it is hard for any person to understand. 

However, I have been paying the {$95.00} annual fee every year for the last four years and Amex has no problem billing for the fee. 

I was an Amex card member since XXXX and I am surprised Amex will treat me like I was some type of dishonest person. 

Therefore, I feel I was tricked into this sign-up bonuses after I have spent the {$1000.00} on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I joined AAdavantage Premium Select Credit Card back in XX/XX/XXXX. Their promotion stated XXXX miles for spending {$3000.00} on first 3 statement. I spent over XXXX in two month. The reward page showed that i will be getting the XXXX on my next statement date of X/X/2017. However, Citi Bank ( credit card issuer ) closed my account for having too many inquiries showing on my credit report on X/XX/2017. I called Citi bank for the reward miles and they refuse to provide XXXX miles that I should be getting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by USAA SAVINGS BANK. While checking my credit report, it came to my notice that USAA SAVINGS BANK has furnished an account XXXX And XXXX '' on my credit report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or USAA SAVINGS BANK, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX, XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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