BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is reference to  Case No.   XXXX  previously filed with the CFPB.  <P/> Overview : Since  XXXX    XXXX  , PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with   XXXX   and  XXXX . I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then  two  months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA an d Federal Debt Collection Act.   <P/> Follow-up Remarks : The response from Portfolio Recovery is an outright avoidance by skirting their responsibility to be in compliance with FCRA ; not to mention PORTFOLIO RECOVERY  may  have committed fraud!  <P/> I have not " with confidence '' never received any response from Portfolio Recovery to date  (  see attached ). My past experience with PORTFOLIO RECOVERY is whenever I dispute this alleged debt, PORTFOLIO RECOVERY will remove from my credit files at once and then resurface a few months later!  <P/> Also I have noticed on my Credit Report are their attempts to obtain / access my credit reports ( over  120  attempts ) based on limited information with hopes of making a hit of the  three  rules debt validation. It 's because when I call them they keep asking for my " FULL '' SSN ( last four digit is not enough for them to locate " my file '' ).  <P/> Also, the attached statements has an address that I have never, ever had a residence nor have I ever lived there!  <P/> Once again, I demand proof this alleged debt is mine with proof of my signature and my Full SSN, not the last  four  digit of my SSN ( PORTFOLIO RECOVERY got the last  four  digit because of the requirement by CFPB and now illegally used this information to their advantage ).  <P/> Furthermore, to help you resolve this, I was not even living in the States during the timeframe as per the " fabricated statements ''.  <P/> I demand CFPB should investigate / prosecute this firm " Portfolio Recovery '' for fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I received an auto loan for my XXXX XXXX from XXXX XXXX in XXXX. Shortly after I became XXXX and was subsequently diagnosed with a severe, XXXX and XXXX XXXX disorder. I quickly found out that I would not be able to work and our finances would be completely devastated due to my husband also being unable to work as I needed XXXX care. In anticipation of our financial issues I called all of the companies that we had outstanding balances with, including Capital One, notified them of the situation and worked out an extension due to the financial hardship. All of the companies, including XXXX XXXX XXXX, were able to assist. However, when I called Capital One, I was told by a representative that there was absolutely no way to temporarily suspend or reduce my payments without first letting them become more than 30 days past due! I had never heard this before but due to my extreme sickness and our desperation I trusted Capital One not realizing that my credit would be negatively effected. We 've since been trying to recover from the financial strain and had two 30 day late payments in XXXX and XXXX XXXX thinking that we would then be able to work with Capital One to enter into a payment plan or extension. To our absolute horror we realized that they were actually reporting negatively on our credit report despite being told in no uncertain terms there was no payment extension/hardship options available without first letting our payment enter into 30 days or more late payment status. I recently found on their website that Capital One DOES offer hardship assistance ( as evidenced here : https : //www.capitalone.com/XXXX ) but we were lied to and now our credit is destroyed. We have been denied for housing at least 10 times due to solely to the negative tradeline and are at risk of being homeless because of Capital One 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: PA
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 Equifax 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 Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: AMERICAN EXPRESS COMPANY
State: WI
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 opened up a complaint ( XXXX ) ) that was closed based on American Express response . They indicated that I was informed that I was not eligible for the promo offer of 70,000 XXXX XXXX. I was NEVER notified. I would have cancelled my application at that time. Because I was not notified I made the required spend only to find out months later that I was not receiving the miles. I asked for a copy of what I was sent and proof that it was sent and acknowledged by me. I went through all of my emails and have no such email. I also did not receive any written acknowledgment. My wife received a promotion to make a referral which she did and it advertised 70,000 miles. I received the referral and completed the application and was approved very quickly.

The attached is American Express response that I received received to my complaint. They can not send me a copy of what they are saying I received. I am assuming it is a fine line in the application process. Why was I not notified when I received the approval and credit card? I would not have made the required spend on the card had I been notified that I was not eligible for the advertised offer. This was very non transparenton their part! 

If this can not be resolved I will take this to my attorney for review. I will also reach out to The Points Guy so he can warn people about the XXXX XXXX process. How awful as I am a very loyal American Express customer! 

I am a very fiscally responsible individual with an outstanding credit score. I think it would be required that I would be notified if I was approved for the card but was NOT APPROVED UNDER THE TERMS OF THE WELCOME OFFER THAT WAS ADVERTISED IN THE APPLICATION REFERRAL I RECEIVED. 

HOW DO YOU NOTIFY A COSTUMER THAT THEY WEREN'T APPROVED FOR THE WELCOME OFER? How would a customer know as I received NO CORRESPONDENCE REGARDING THIS FROM AMERICAN EXPRESS!! 

I called about this a few times and was told I needed to allow 8-12 weeks for the points to be deposited into my account. I did wait only THEN to find out I was not approved for the welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My name : XXXX XXXX I have credit card with American Express ( AE ). card # XXXX My dispute with AE was charged to my card for {$12000.00} without my authorization by XXXX XXXX XXXX. <P/>I was use XXXX for different job, it was paid with AE card. I use them for other job for repair the roof, this time the job was not complete, and repaired was not according what we specify, after repaired the roof still leaking, we call them many time to fix the job correctly, XXXX never come back to do the job.. XXXX using my pervious card information to charge my account, I did not know until I received my statement. <P/>My reasons for dispute 1. Charge to my card without my knowledge should consider as stolen. 2. I am not satisfied with job ; I should get my money back. This American Express card has advertising all the time. I do not understand why AE need to investigate?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX is a victim of identity theft

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 2019-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX XXXX due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: HSBC NORTH AMERICA 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: Account information incorrect

Complaint:
Hi, Account shows opened on XX/XX/XXXX for {$470.00}. Not my account at all. I never opened this account and it is messing up my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 I contacted IC Systems regarding a utility bill with XXXX XXXX, Account Number XXXX ( with IC Systems on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XXXX. I reviewed my credit report and found that IC Systems no longer has this account in my name but now XXXX XXXX   COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XXXX, SIGNED 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
Consumer complaint received 2022-02-14
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While I was attending XXXX University, I failed to drop a course I was taking at the moment. And I dont believe this was the actual balance when I was first contacted. I was under XXXX dollars. And during the time they were asking for the money I didnt have a job during Covid-19 from XXXX through XXXX. So I was unable to afford to pay for the balance. And the Unemployment wasnt going to be enough to provide for me and pay for the debt balance. Now I am currently working and going to school. So I just havent had time to go through my mail and read and contact anyone yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with Wells Fargo since XXXX there was a dispute filed on XX/XX/XXXX of XXXX apparently someone has made a call to Wells Fargo and have disputed bunch of charges made a total of almost {$1000.00} when that came into my awareness I had just about almost 3 months to figure out what that provisional credit was it made my account go in the negative then the closing my account I filed a fraudulent claim they have closed my account not told me what was going on all the agents don't know how to respond to this I have been disrespected I have been by Lately by Lady my privacy they stoled my account information on me see through third-party

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 2017-07-12
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I am a XXXX XXXX XXXX XXXX in Arizona. I began doing business with TitleMax Title Loans as they opened and maintained their own auto auction. Throughout the course of their operation, I have come across numerous instances of deceptive business practices and flagrant titling violations. I have proof of the numerous vehicles I purchased through Titlemax Wholesale that were deemed restored/salvage and " Not Actual Miles '' ; those discrepancies were not properly disclosed. I have one instance in particular where I purchased a XXXX XXXX XXXX from TitleMax XXXX of XXXX, AZ. The vehicle was listed for sale on their auction website and it was listed as a good, running vehicle. With the limited information I had from Titlemax, I submitted a commercially-reasonable offer of {$1800.00}. On the evening of XX/XX/XXXX, I received the notification that I had won the bid on the vehicle. That Tuesday, XX/XX/XXXX, I attempted to redeem the vehicle after having paid for it that same morning. As I attempted to start the vehicle, it would n't turn on. The reason being is that the motor vehicle had dirt in the engine and therefore, the engine seized entirely. This is just one of many instanced I can recall from the faulty Titlemax Wholesale operation. I have other dealers in my network that can also attest to such major discrepancies and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Online application for Sam 's credit was submitted on XX/XX/XXXX. A copy of driver 's license was required XXXX a video of myself. Application was then denied based on unable to verify identity which is ridiculous. When I called in a XXXX apologized & said, that I shouldnt have had to go thru this process, which seems to give Synchrony the right to deny applications based on race. The XXXX promised to call back XXXX  never did. Synchrony never sent a letter of denial only stating that I needed to verify my identity. The credit dept XXXX hung up on me during the call XXXX never called back. Spoke with XXXX XXXX, on XX/XX/XXXX who promised to have a XXXX follow up within XXXX hours. XXXX was advised that I recently learned that Synchrony Bank has seriously erroneous/fraudulent information on my XXXX credit report regarding XXXX credit card accounts XXXX & XXXX & XXXX XXXX XXXX XXXX XXXX closed accounts section. They show the account open for XXXX months with no XXXX made XXXX  a {$100.00} credit limit which is insane.

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 2022-02-14
Company: Experian Information Solutions 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:
Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following inquiries as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - XXXX XXXX XXXX date : XX/XX/XXXX Removal date : 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 2019-05-26
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was paying {$300.00} a month and called Sallie Mae because I learned about the new PSLF program from a friend at work. I called Sallie Mae and was told that I would have to change repayment terms to a standard repayment term to qualify. I agreed to increase payment about {$90.00} a month. I was told that I didn't need to do anything and that after 120 payments the rest of my balance would be paid in full. I met with a financial advisor this month who advised me that this want the case and that I would need to pay {$680.00} a month times 84 months! I called Navient who was the. We serviced after Sallie Mae and spoke with loan department. The rep apologized for the mid information and told me I would need to pay {$680.00} a month for 10 years! I was misled for 5 years by SallieMae/ Navient! I am a school Principal so I qualify for this service ... doubling payment is not answe! I am a victim of fraud or negligence by Sallie Mae/Navient! What a real shame and trap!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$690.00} est XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX   {$4300.00} XX/XX/XXXX inquries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX addresses XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX ct XXXX XXXX pa XXXX I was victim of identity theft and the bureaus did not remove all the info associated with this crime. I filed identity theft report in XXXX XXXX please assist me in removing all negatives due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I couldnt pay my account in full in XXXX, so I called Nordstrom Visa to request for consideration to remove the monthly interest charges due to financial hardships brought about by the Covid-19 pandemic. I received a positive response to have it removed and made partial payments to my account. Unfortunately, I received a new statement with the interest charges still on my account with additional interest charge which gives a total of {$30.00} in interest charges alone. I called again on XX/XX/XXXX and was informed that Nordstrom Visa doesnt remove interest charges even on the basis of the Covid crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom i t may con cern, On  XXXX   XXXX ,  2017  I opened a core checking account with Bank of America. My account was in good status and I made several qualified deposits to my account from m y   XXXX   XXXX    account as well as  XXXX   XXXX  account. I was also received my Bank of America debit card on  XXXX   XXXX . I did not realize that BOA closed my account until when I attempted to activate my card. I made several phone calls to figure out what happened the BOA staff simply told me that they do not have any obligation to disclose the reason. The bank just simply closed my checking account and I will not be qualified for applying for any BOA accounts in the future.   I have good relations with all other banks and am in excellent credit status. Also I am not involved in any negative financial activities in any forms. Therefore I need to know why exactly Bank of America treats an honest and responsible customer like this. Many thanks.

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 2021-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 i was notified by a text message that there were several transactions made on my card & withdrawals, later i got a call from a worker from Wells Fargo letting my know that my card was being charge in XXXX Texas & i let him know i was in XXXX at the time i was NOT out of state. Then he read a couple transactions saying that i had 4 withdrawals from an ATM from somewhere in california made with a XXXX XXXX phone, again i let him know it was not me. First withdraw was {$100.00} second one from the same ATM was {$380.00} then again for {$320.00} & lastly {$200.00}. All late, he removed my card from the persons XXXX XXXX & change the pin apparently. i later had to call again & ask if i was going to get a new card but i guess the person didnt file that so i had to wait & do that again. I let him know i had called earlier because of unauthorized transactions & he said i should file a claim & so i did & i waited almost 2 weeks ( XX/XX/XXXX ) to find out i wasnt going to get my money back because my card was in my possession.

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