BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Caine & Weiner that was dated XX/XX/2019 saying that they've been hired to collect debt from me. I do not recognize the company Caine & Weiner claim I owe money from. The letter instructs me to call Caine & Weiner if I didn't recognize the debt and I did call multiple times, on XX/XX/19, XX/XX/19, and XX/XX/19. All three times no one picked up and 2 out of 3 times I left a voice message with my information for them to call me back. I did not receive any phone call back from Caine & Weiner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Problem with personal statement of dispute

Complaint:
Approximately in XXXX of XXXX I personally reached out to Capital One via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XXXX of XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States Army after serving for 6 years, and being laid off from my newly acquired civilian job as a result of the Corona Virus pandemic. I was told the representative wasn't able to personally do anything about the situation, but was encouraged to write a letter and physically mail it to Capital One 's credit reporting department. Within the same month of XXXX I decided to do just that, and even more thoroughly explained the situation in said letter. Initially I had high hopes that Capital One would recognize the fact that even the federal government has acknowledged the tremendous negative economic impact the Corona Virus has had on our country, which has resulted in the government pouring trillions of dollars in various legislation in an attempt to bring to the country 's economic state around. However, what I later received was anything but understanding or the reasonable use of discretion by Capital One. They mailed me a letter that appeared to be one of likely thousand of templates used to handle customer complaints, that simply stated essentially that they were 'unable to do anything '. I genuinely believe that a reasonable person would agree that Capital One is acting unreasonably in regard to my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday XXXX XXXX 2019 my husbands debit card that he had possession of at the time was used to withdrawal {$200.00} from an ATM on the south side of XXXX. The bank notified my husband right away. We cancelled his card & had to wait two weeks for a new one plus had to go into the bank to get a new PIN #. The bank refunded our money the next day. About 3 weeks later we received a letter stating that our claim was closed & determined we authorized the charges which would lead to them removing our money they returned to our account. My husband got on the phone right away and they said don't worry about it we will look into it. On the XX/XX/XXXX they did in fact remove the money. He was on the phone with them twice, I was on the phone with them, and ended up calling our local XXXX branch & spoke to the manager. The customer service & fraud stated that because it was an ATM we used it. I said please tell me how someone around XXXX XXXX at night on the south side XXXX at a laundry mat used our card while we were at our HOUSE in XXXX, IL. We were in the city a few days prior at my in-laws house in XXXX XXXX. The north side of XXXX. We used the card at XXXX XXXX down the street from the house twice, XXXX down the block twice, and at an organic cafe called XXXX in XXXX. No one is helping us and they have denied our claim TWICE. I feel like I was not only robbed by a thief, but by the bank as well. An establishment that my husband and I have been with for over 10 years. We also keep a pretty good savings account with them. That money that was taken was hard earned money that we use to live off after our bills are paid. My husband signed an affirmative that was notarized by the branch manager that she is submitting. He is currently trying to call our phone provider XXXX to get a document that shows our location of being at home the entire day Monday when the money was removed. He also has proof in our bank account of using his card at a few places in our town!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Saturday XX/XX/XXXX I checked my credit score in the morning on XXXX XXXX  and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason

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 2018-03-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with Nissan over the last nine years. I have discovered that they ran my credit twice on XX/XX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to file a complaint against XXXX and Enhanced Recovery Co. XXXX. 

We notified the cable and internet company XXXX that we would be moving from XXXX XXXX to XXXX XXXX XXXX in XX/XX/2017. They informed us that we had signed a 2 year contract for their services. We mentioned that we would happily either move our services to our new home in XX/XX/XXXX and or switch our account in XXXX to our new tenants renting on premise. 

XXXX informed us that they do not service our current address in XXXX XXXX and that we could not switch the account to our tenants. We argued that " if you can not provide us service at our new home, how could you not release us from our contract? '' We believe that these business tactics by XXXX and their collection agency Enhanced Recovery Company ( ERC ) are unfair, unethical, and irresponsible. We have had multiple conversations with both entities to inform them that this charge of {$800.00} is unwarranted and bogus. As longtime client of XXXX our account was otherwise always in perfect standing with timely payments ( automatically paid every single month during a 5 year period ). 

As a consumer, the charge is now impacting my credit score and I would like to rectify the situation. 

Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CITIBANK, N.A.
State: NY
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 a Citi Double Cash credit card for years and have accumulated a lot of cash back. On XX/XX/2018, my credit card was closed without any advanced notice. I noticed that my account was closed on XX/XX/XXXX when I tried to buy something using my credit card. I called Citi right away to confirm and also tried to redeem my cash back. I was told that I can't redeem my cash back, but an online representive told me that I can redeem my reward four days later ( XX/XX/XXXX ). 

I called Citi again on XX/XX/XXXX, and a representative AGREED to redeem my cash back and said a check will be mailed to me. However, TWO WEEKS later, I received a letter saying that my reward can not be redeem because the cash back was forfeited at the time of account closing. The only option to redeem my reward is to reopen my account. 

I called Citi again on XX/XX/XXXX to see why they refused to redeem my cash back. No clear explanation was given. An account manager said there is nothing she can do unless I reopen an account. However, I do not want to reopen an account because I have opened new credit cards during these two weeks I have waited. 

As a long time Citi customer, I felt I was poorly treated and everything is poorly communicated. With that said, I summarized my complaint below : 1. My account was closed WITHOUT any notice, even when I used the card EVERY DAY. 
2. Citi did not honor its promise. I was told that my reward could be redeemed on XX/XX/XXXX when I called, but Citi refused to do so later. 
3. Poor communication. I was informed TWO WEEKS later that my reward couldn't be redeemed unless I reopen my account. During these two weeks, I have opened new credit cards with other banks. I do not want to reopen an account because I do not want to open too many credit cards in such a short time frame.

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 2019-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by Portfolio Recovery a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I used my Checking account debit card to purchase airline tickets through XXXX. The flight was scheduled for XX/XX/2020 ; flying from XXXX XXXX, XXXX to XXXX XXXX, Texas. As a result of the Corona Virus pandemic the scheduled airline ( XXXX ) announced that they were no longer flying Internationally in late XX/XX/2020. We immediately notified USAA of the circumstances and asked that USAA charge back XXXX for the {$650.00} USD that was charged to the debit card. USAA responded that we had not disputed the charge within 30 days of the transaction and had closed the dispute as a result. We contacted USAA on XX/XX/2020 and explained that the charge was for airline tickets and that it seemed appropriate to extend the time limit as tickets are often purchased in advance of travel. A USAA supervisor agreed and said that the dispute would be " re-opened '' and we would hear from USAA within 10 days. On XX/XX/2020 we called USAA again and asked for a status of the dispute. USAA said that nothing had been done on the dispute but the " dispute resolution team '' would contact us within 2 business days. On XX/XX/2020 we again contacted USAA as we had not been contacted and were told that this dispute had been closed on XX/XX/2020. We were told that " nothing could be done '' because it had been more that 120 days from the transaction. We explained that we had had every intention of using the tickets until the airline cancelled the flight in XX/XX/2020 when we first contacted USAA in this regard and had contacted USAA immediately once the cancellation was announced. 
We also contacted XXXX and asked for a refund. They stated that we had to wait until 14 days before the flight to verify that the flight was cancelled. We contacted XXXX 14 days before the scheduled flight and requested a refund per US Department of Transportation regulations for flights originating or terminating in the US. Their response was " we are not offering refunds for cancelled flights ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
State: GA
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:
An inquiry dated XXXX XXXX, 2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX  to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my XXXX report the company name is XXXX, XXXX XXXX, XXXX XXXX. 

Also, I 've called and sent XXXX a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.

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 2019-08-23
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a trial modification & my final payment was never applied, I immediately contacted the Servicer ( email attached ) who told me that it was too late & my trail was cancelled. They believed I sent the payment to the regular payment address. I have a witness who mailed the payment at work & can confirm it was mailed to the address previously used. I filed a complaint w the CFPB & submitted an appeal w the servicer. I received no response for the appeal & was told that they were still working on the cfpb complaint. However I have a sale date in a few days, so I requested that it be placed on hold pending the result of my complaint & appeal. This was denied. I was advised to submit a new complete assistance package, at least 5 days prior to the sale, which I did via email. When I called to follow up, I was told that it has not yet been uploaded & it may take 3-5 days. This seems unfair, that if I sent it in prior to the 5 day deadline, the servicer will take so long to upload, possibly after the sale date or without enough time to be reviewed. Previous complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, Experian, and XXXX is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.

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 2019-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
Dear Officer, I'm writing to complain about two issues pertaining to the XXXX Credit Card with BoA. 
1. I have not received the card opening bonus ( XXXX XXXX  points ). The phone representatives said the spending requirements have been met and should appear in my account soon, but it's been 3 months. 
2. BoA didn't match the Ad promotion ( additional {$100.00} statement credit ) I found out not too long after applying and requested. It's not reasonable that I fell prey to the tricky marketing strategies. 

As to issue 2, I've tried to contact BoA and explained : I applied for the XXXX Credit Card  via XXXX Website  on around XX/XX/XXXX because I wanted to fly with XXXX  and enjoyed the benefits it offered ( XXXX points ). But shortly when booking on the same websites, the same Ad popped up. But this time the promotion offered additionally {$100.00} statement credit ( along with XXXX points ). I then called to ask BoA to match the {$100.00} credit. They said they would process the request, but then never replied to me again. 

Going back to check the websites again, I then discovered that the Ads on the websites were manipulative/tricky and misleading. Here 's why. On the first XXXX  booking page, the Ad offered a XXXX points. And if you skip and continue booking, on the next few web pages, you will find another Ad there with additional {$100.00} credit on top of the XXXX. How would a customer like me know the difference? This was surprisingly unreasonable and misleading. I feel I fell prey for the first Ad and their marketing strategy. Here I attached two screenshots that show the different misleading/Ads on the same website. Thank you for your time.

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 2020-01-29
Company: EQUIFAX, INC.
State: CA
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 am trying to get a freeze lifted temporarily and to get a copy of my credit report from Equifax. When I tried to get the credit report online Equifax responded that I needed to mail my information. This was after I had followed all of the online steps. I also followed the steps to get my freeze lifted. After several weeks I received a code via postal mail that was supposed to work until XXXX. The code did not work. When I called the 888 phone line I worked through the phone tree and was told that I could get the credit report and help with my freeze. I ended up with a service representative that was not helpful. She questioned whether I even had received mail from Equifax to remove my freeze. 

This is in stark contrast to the service and results I have had with XXXX, XXXX, and XXXX. I received credit reports from these 3 and was able to remove the freeze easily and usually online. 

My latest failed attempt with Equifax was today and was 20-30 minutes of futility and frustation. I am left not knowing how to proceed to get my report and the freeze removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Alpha Recovery Corp
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have informed Alpha Recovery Corp that this debt does not belong to me via letter and dispute. I continue to get calls and mail about this debt. I have asked them to verify the unknown debt and they have not. I am on social security and can pay I debt that is 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 2019-02-04
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor account was through XXXX XXXX XXXX but that charge was disputed due to the account being mischarged and incorrectly billed. XXXX XXXX removed the derogatory mark from my credit report but appear to have sold that account to multiple collection agencies. LVNV Funding LLC has recently removed the collections account from my credit report but this accounts was THEN given to Resurgent Capital Services ( see scanned letter ). This account has been closed and originally removed from my credit. I need the multiple inquiries and collection attempts to stop, its too much for me to handle and is ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ERC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt was reported in XXXX. The date was recently changed to XXXX. The debt was scheduled to be removed this year. Ive contacted XXXX, a dispute has been opened, again. XXXX stated that it had been changed and it would come off XX/XX/XXXX. It didnt. I contacted them again and was told, the original debt was XXXX and not Enhanced Recovery. This is not true. I have seen it under Enhanced Recovery this entire time. Enhanced Recovery is intentionally, illegally effecting my credit. 
I would like this removed and Enhanced Recovery fined for bad business practices. 
I have stated repeatedly, I have no knowledge or recollection of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is about Capital One credit card number XXXX XXXX XXXX XXXX which has been ongoing since XX/XX/2020 and has not been resolved. 
Our household of two senior citizens, XXXX XXXX and XXXX XXXX has one land line telephone number only which is XXXX. We do not have mobil service or texting service as we do need those services. 
Capital One refuses to recognize our telephone number and will not grant access to my account via on line service because we do not use mobil or texting services. Consequently, I can not see my statements or pay my bills. Capital One 's attitude is that of " tough luck XXXX  '' if  you don't use mobil or text and still use a land line.

Company response to consumer: Closed with explanation