BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: National Medical Administrators, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A couple of months ago, I responded to an on-line ad about Life XXXX  oil supposedly from XXXX XXXX, the actor. Not enamoured with him, I thought he wasn't XXXX enough to endorse a fake product. XXXX, for {$6.00} XXXX XXXX XXXX, I received a small bottle of XXXX oil. 
I hadn't used XXXX oil before and wasn't impressed. 
XXXX XXXX, I received a collection letter from National Medical Adminstrators , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX toll free XXXX XXXX fax XXXX XXXX XXXX creditor account # XXXX Creditor : XXXX XXXX XXXX balance {$110.00} I called them and spoke to a rude man who obviously called my credit card company and told me that I never heard of XXXX  and told the bank the charge was a fraud. 
He also said I didn't return the product in 30 days. I replied that I had used it up before 30 days and didn't order ( or receive ) any other product. He called me a liar and said there was no way I could use that bottle of XXXX  oil in 30 days. 
I told him I did not order anything and I just tried the sample for {$6.00}. 
He said it was my problem because I didn't read the small print ( yes I did ). 
I said I wasn't paying the money because I didn't order or receive anything except the trial amount. He was extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX bill that was fraudulently obtained in my name. I ultimately had the collection removed and deleted from my credit reports. The collection agency that removed the debt was XXXX collection agency after concluding that I did not open this account and it did not belong to me. 
Diversified Consultants has placed the collection back on my reports without notifying me and without giving me the opportunity to dispute the debt, XXXX informed me that they did NOT place a collection with Diversified Consultants and to dispute the collection. Had Diversified Consultants properly validated the debt according to the FDCRA they would have known the debt is a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TD BANK US HOLDING COMPANY
State: OH
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:
So I am getting extremely upset. TD Bank reported my balance incorrectly. It reports I still owe a blance when I do not. TD Bank used XXXX XXXX XXXX to help them collect debts. I settled my account with XXXX XXXX XXXX & they are still reporting inaccurate information. I am upset because I am in the process of trying to get a house & the incorrect reporting is prolongong the situation. I settled the account legally for aboiut {$1400.00}. They reflected the XXXX as a payment and is claiming I still owe. Radius presented me the settlement offer I did not call and ask for that amount. This is time sensitive and needs to be chnaged immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank offered a deposit bonus of {$400.00} if certain requirements were met. All requirements were met ( verified by local branch representative ). Citi failed to timely pay the bonus and continues not to pay. When I call in to investigate I am not allowed to speak to department that makes decision. Branch representative has attempted to contact said department. They do not answer her emails. They continue to send me lettesr " ... failure to make required deposits within the required period ... '' This is not true and has been branch verified that required deposits made on time. 
Numerous other similar complaints are evident online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-05
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hi there, My new XXXX XXXX XXXX has an advertised perk of earning 4x Membership Rewards points per dollar spent at US restaurants and grocery stores. 

I have a handful of XXXX charges made at restaurants, that I am only receiving XXXX Membership Reward point per dollar spent. 

1 of these restaurants is coded as a " grocery store '' ( which should still earn the XXXX points ), and the other XXXX restaurants are coded as " restaurants '' but for some reason are not earning the points. 

I contacted American Express via chat and phone starting on XX/XX/XXXX, and have since emailed and called with them several times since then. Each time, they say they are " investigating ''. 

Here are the charges from XX/XX/XXXX : XX/XX/XXXX XXXX XXXX XXXX ( either a cafe or a grocery store ) XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX   {$52.00} Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: Experian Information Solutions 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:
I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are five accounts in negative standing appearing on my credit. I had no idea these accounts were even opened in my name because I didn't open them and I did not allow anyone to open them with my personal information. The companies where these accounts were opened are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and U.S Department of Education. I do not have any written/verbal contract with any of these companies nor did I gain anything as a result of these accounts that were opened in my name such as money, services, goods or anything else and I never contributed to any payments that might have been made towards these accounts. I don't know who these accounts belong to but I have already filed a police report because it's not fair that I'm being held responsible for accounts that I never authorized to be opened in my name. I have filed this report to the best of my knowledge.

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 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about Transunion, XXXX, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself 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
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are five accounts in negative standing appearing on my credit. I had no idea these accounts were even opened in my name because I didn't open them and I did not allow anyone to open them with my personal information. The companies where these accounts were opened are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and U.S Department of Education. I do not have any written/verbal contract with any of these companies nor did I gain anything as a result of these accounts that were opened in my name such as money, services, goods or anything else and I never contributed to any payments that might have been made towards these accounts. I don't know who these accounts belong to but I have already filed a police report because it's not fair that I'm being held responsible for accounts that I never authorized to be opened in my name. I have filed this report to the best of my knowledge.

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 2020-06-26
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Number XXXX Mortgage application complaint for discrimination based off my receiving Social Security benefits. 

On XX/XX/XXXX, I sent my Loan Officer XXXX XXXX proof of my Social Security benefits in which he acknowledged by email that he received. Then I was contacted again today by a member of his team for a 3 year statement of continued Social Security benefits which clearly violates the CFPB Final Bulletin 2014-03, page 3 regarding Social Security XXXX Income. 

Please see the attached email request # 4 as it pertains to my Social Security benefits. Do please give me a call and provide me a written response as to why Im being discriminated against as I really need your help in this matter because its causing me tremendous emotional distress and discouragement. 

Below is the condition from Flagstars underwriter ; 4. Provide { acceptable documentation } to document Social Security income in the amount of $ { XXXX & XXXX } for { Borrower }. { *** Document SS income will continue for at least 3 years } 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 2020-10-10
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened. The colection agency continues to add interest to the fraudulent 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 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, i am not employed with XXXX XXXX XXXX. I do not even live in Michigan. I would like that to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Capital One Bank stating that I owed {$460.00} and that an account was opened on XX/XX/2019. I called to verify and I was told that I did not have a card associated with my name. However, I received a letter from XXXX XXXX XXXX stating that the account was sold and it was attempt to collect a debt. During the time this account was opened, I was living in the state of Georgia and was not at the address mentioned on the Capital One Bank Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 contacted XXXX XXXX payment processing Issues payment via bill pay Company never applied payment or followed up with my serval request for assistance Company sold mortgage and all parties failed to notify applicant ( XXXX ) ( g ) ( I ) ( D ) to date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX I attempted to " Round Up '' my purchases to invest that partial dollar into investments. I was notified that PNC had changed their policies and this is no longer allowed. My husband is out of work so this is one of the few ways I can save money now. 

Please encourage or direct PNC to change their policy. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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:
On XX/XX/2022, I was speaking to a representative for 10 minutes listing unauthorized inquiries. After taking several notes and speaking to her for 10 minutes, hhe then said she'd need to forward me to the fraud department. The individual answered and did not state their name or if they worked with the fraud department. I asked for her name and she reluctantly mumbled " XXXX. '' She cut me off and told me I have to call each creditor. I asked her why would the first person ask me for all this information including the list of inquiries for me to be turned down. She said she didn't know. I then asked her if she was in the fraud department and it was completely silent. I kept saying hello and she did not respond. This is no way to treat a consumer dealing with fraud.

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 2019-01-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan,  credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about XXXX, XXXX, and Equifax Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Conn's, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Conn 's home pluse in XXXX, Tn talked me into buying a washer and dryer. The day the supposed to drop it off they didn't it was days later. I called them and told them that I no longer wanted the washer and dryer. Not only did they dropped it off they dropped it off with extra attachments I didn't want costing me XXXX extra. When I told them to come pick it up the sales associate stated that they can not take back used items after 30 days. I didn't even use it and it was less then 30 days. Now they call and text me 10x a day. Keep reporting to different credit Bureaus all 3 dropped them from my credit score now they charge it off making my FICO score extremely low. The reported I owe over XXXX dollars for a washer and dryer. I need help dealing with Conns Home Plus they need to be closed down for the fraudulent practices scamming people. They are trying anyway they can to ruining my credit when all they had to do is pick the merchandise back up a d resale it. But the customer service agent told me when I called to come to agreement that I can sale the washer and dryer and pay them the money so it want effect my credit. I need help getting this removed from my credit score and them shut down for bad sales practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 tried for almost 3 months to talk to them and resolve the situation, I already saw the police report they gave me back what was spent on the account but they are still charging me for transaction fees that were never made. I only paid the annual fee that would be my only obligation. I never received the card and I am still being charged for transactions that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: LoanUnited.com, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Recently I refinanced my home with LoanUnited. They sold my loan to another company and transferred all my principle amount. 
Meanwhile I sent them one month of payment via check. 
Now They are not acknowledging that they have cashed my check and have not refunded my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was turned over to PHH two months ago. We made the last two payments online. This month PHH online payment was unavailable to us. We werent allow to make payment by phone either. 

So we finally got a hold of customer services. She told us we are denied due to authorization online forms not sign. We told her what forms. She said you need to complete and sign forms. I reminded we are new with PHH and were never informed by forms. L Representative told us we had to make an extra {$17.00} payment to pay by phone. Our payment was not late. Making the payment by phone was our only choice since online was no longer a choice. No warning notification was provided.

We had to make payment with the extra fee since that was our only choice. If payment was not made today on ( XXXX ) it would be late. 

Company would not waive the {$17.00}. Even though as new clients we were never informed that we had to sign authorization form to make payments online. 

Representatives told us previous payments were accepted as a courtesy. No reminders were sent by mail or email. 

No company should charge a fee when a payment is not late or a new customer is aware their policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation