BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Bread Financial 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:
XXXX Checked my credit report - There was a comenity bank credit card listed which I never applied for and I was never notified the account was opened in my name. 
XXXX Wrote letter to comenity bank notifying them that I never opened a credit card with them and informed them it was fraud. In this letter I provided my address. 
XXXX Filed police report listing identity theft XXXX Sent Comenity bank another letter and provided the police report number. 
XXXX Went to IdentityTheft.gov and submitted report with FTC - reference number XXXX XXXX Sent letters to the three credit report companies letting them know about the fradulent comenity account. I included copies of the police report and the FTC report and the intial letter I sent Comenity. 
XXXX Received letter from XXXX stating that they completed their research and they Deleted the Comenity BAnk/Atylrlmc account from my credit file XXXX Received letter from XXXX stating that they added the Comenity bank account back to my credit report As of XXXX I have never received a letter from Comenity, I have never received a bill from Comenity. I have received nothing in writing from Comenity yet this account still remains on my credit report under XXXX. I do not have a Comenity bank credit card and Comenity bank does not respond to my letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25
Company: Revolut Technologies Inc.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 - Revolut US restricted access to my account and is not allowing me to withdraw the {$5600.00} I have within the account. I contacted them via in-app chat and received no response. I had to XXXX them on XXXX to receive a response. I was told via a XXXX direct message that I would receive a response in the app chat from the Revolut team shortly. 

I was told that they were still in the process of checking things on my account and that they could not give me a time estimate on when my account will be re-activated. 

On XX/XX/2021 - I contacted them again regarding this issue and received the same response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response. 

On XX/XX/2021 - I contacted them again and received no response.

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 2021-02-25
Company: Experian Information Solutions Inc.
State: DE
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 have several hard credit inquiries on my recently observed Experian credit report that were fraudulent. I have repeatedly written to Experian & XXXX asking to remove these from my credit report. Neither have been helpful and neither have contacted me nor removed the fraudulent inquiries. You see, I'am a victim of Identity theft and have an ongoing investigation with the FTC. The inquiries I want OFF my credit reports are from XXXX dated - XX/XX/XXXX & XX/XX/XXXX XXXX dated- XX/XX/XXXX XXXX XXXX XXXX XXXX dated - XX/XX/XXXX XXXX XXXX  dated - XX/XX/XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX dated XXXX XX/XX/XXXX XXXX  dated - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX dated XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09
Company: CITIBANK, N.A.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Citi Bank on XX/XX/2018, with a promotional offer of a {$400.00} bonus if I maintained a balance of {$15000.00} for 60 days. The terms stated that the bonus would post at most 90 days after the expiration of the 60 days from the date of deposit. I had contacted Citi several times over the course of the 150 days to make sure my account was eligible and the terms had been met satisfactorily. 

The bonus is similar to the one currently offered here - https : //banking.citi.comXXXX XXXXXXXX & XXXX Most recently, I was told that the bonus post on XX/XX/18. On XX/XX/18, I had contacted Citi to see why my bonus didn't post, and was not given any clear answer, other than that it needs to be investigated. I have had several Citi investigations never be resolved, so I'm submitting this complaint to try to get a resolution at a level higher than entry level Customer Service.

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 2021-02-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The signed legal document for this loan, section 3D, discusses a " Modified Maturity Date on which this note will be paid after accounting for acceleration of the payment schedule resulting from biweekly payments rather than the monthly payment schedule used to calculate the Maturity Date described in section 3A above. '' The maturity date stated in Section 3A is " XX/XX/XXXX. '' FEDERAL TRUTH IN LENDING DISCLOSURE REQUIRED BY REGULATION Z " Your payment schedule will be. '' XXXX biweekly payments beginning on XXXX and ending on XXXX. 

We have made XXXX biweekly payments to the end of XXXX. We have set up an Escrow account at XXXX to receive and hold our automatic biweekly payments, as Wells Fargo could not set up an account for this purpose. We will gladly pay amounts that we owe to Wells Fargo when they show us the legitimate balance of our account. We have never missed a payment and to my knowledge we have not been late either, all automatic payments. 

We need a clear and complete amortization schedule to understand the " Modified Maturity Date '' as described in section 3D of my signed loan papers.

We have made repeated requests for a clear and complete loan amortization schedule, four requests beginning in XXXX of XXXX. I do not have a clear copy of the amortization schedule as of this writing. A clear and complete amortization schedule will allow me to discuss my loan history and discover why the truth in lending promises have not been met.

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 2019-10-18
Company: Resurgent Capital Services L.P.
State: MD
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 filed a police report and completed the notarized affidavit as requested by the company and they told me my information was unacceptable. 
I cant fo anything else. This very unfair. Because it's not my dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Lending Club Corp
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The loan application process and funding was done with ease. Shouldve known it was too good to be true. I usually pay my bills 1-2 months ahead. Lending Club is the ONLY creditor that refuses to accept early payments. They start sending bill notices 15-days early so after my second notice for my XX/XX/XXXX payment, I made a payment 1 day early on XX/XX/XXXX. These idiots applied the entire payment to principal curtailment then sent me a late notice for XX/XX/XXXX After I realized they misapplied my payment, I called but the rep and his manager refused to reverse and reapply it correctly. Manager XXXX ( No unique ID, just the only XXXX employed there ) said its not their fault I paid 1-day early and therefore they cant reverse the payment! This is unacceptable and the entire company should be investigated. If they did this to me, I can only imaging what theyre doing to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Town Financial Corporation
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company waited almost 4 yrs between notifications and started garnish my wages again for an amount still collecting intrest. Or figure out an amount to settle on that us around the amount of the original loan amount. Dont think I should have to pay anything then what I have already paid considering the company waited so long between garnishment

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the month of XX/XX/XXXX, we were set to refinance our 1st and second mortgage, aka HELOC ( XXXX/schwab ) loan. We called XXXX to request a pay off and was told this would arrived via XXXX, which it did not. The closing was set for XX/XX/XXXX and included the pay off of our HELOC, however this did not happen. As a result, confusion of the payoff and payment became an issue. Although the pay off was sent secure email, this was not sufficient according to our loan processor. This is an erroneous error that caused grave consequences in our family 's attempt to move forward after experiencing a financial set back after hurricane Harvey XX/XX/XXXX. Our property remains in a disaster affected area but XXXX   XXXX  has reported a 30 day late payment twice during this time. We ask XXXX  to rectify this as soon as possible. In addition, this is the second time we ask XXXX  to address the issue of payments during families effort recover from Hurricanes as we do what we humanly can to get back on track.

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 2020-05-27
Company: JPMORGAN CHASE & CO.
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:
JP Morgan Chase has been reporting a fraud account on my credit report for years now. I have supplied a police report, ID Theft report, etc. They refuse to remove it. I even tried to pay this fraud off to get it off my report, and I was told by Chase to do so I have to send a letter in saying this is my debt. They want me to lie and say this is mine when its not to pay this off. I want this removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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: Information belongs to someone else

Complaint:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. These accounts and inquiries weren't initiated by me and is a result of identity theft or malpractice.

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 2020-05-27
Company: National Management Recovery Corp. (NMRC)
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/2019 I called XXXX XXXX XXXX and asked to set up payment arrangements. I had gotten behind and want to get this paid off. He told me that he could not do that I would have to contact a collection agency but did not give me information. He then charged my account {$140.00}. I have had a guy call different work locations I do not work at and keep asking employees information about me even though he was told by the store manager to not call again and that we do not answer questions about employees all verification have A strict policy. He called from XXXX he then proceeds to call another location and same thing is advised to stop calling that I am not in these store no information would be given per policy. I then call his number to figure out what this is and it sends me straight to voice mail and says hang up do not leave message this is an investigation department. I tried texting number to stop contacting my references and work and that I do not know what this is about but to stop contacting them. He has called my employer and family saying if I do not call back immediately and provide a claim number he is on his way to my employer to serve me documents. Today is the first day I was given a valid number and even the name of the company XXXX  XXXX XXXX. It's never been provided and I thought he was a scammer because I can not call him back but he keeps calling my work and family. Today I called a number that was left and I asked the lady to stop having people call my work and family that I can set up payments and she informed me I can only stop the calls to my job at locations, that I'm not even working at and my family is by paying over XXXX in full and that I am committing fraud by defaulting contract even though I've made plenty of payments and also tried to set up arrangements was told I can not then charged anyway. She said that it was my intent not to pay off balance and that she will not stop the harrassment unless I pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Reference : Coinbases transfer to a FRAUD SCAM Brokers : XXXX, I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company, The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR!, I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: IL
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:
My issue is with Experian. I've written 4 dispute letters in regards to the following accounts below. I asked on 3 different occasions for their method of verification showing this is my debt. I continuously just get a letter saying verified. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX I received a letter stating they will no longer reinvestigate these accounts again.

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 2019-11-11
Company: Professional Debt Mediation, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt was disputed by consumer for validation 3 months ago due to no knowledge of debt, no information was ever sent or received to validate ownership of debt. Initially due to inability to validate debt it was deleted. Debt collector reinserted debt in credit profile, not providing certified mail within 5 days of reinsertion in accordance with section 611. Up to this day debt collector still did not validate accuracy of debt and did not delete. 

Debt Collector : PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX  XXXX XXXX   XXXX, FL XXXX XXXX On behalf of company by the name of XXXX 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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have filled a dispute with cfpd on this several months ago. After all this time the items in question were still not removed. I finally got through to speak to a human at XXXX  and finally they removed 99 plus items not belonging to me. All if which I have been disputing for a very long time and were terribly overlooked on their part. 
My report showed a second SSI number a wife that I never had, that didn't even have the same last name that had a delinquent XXXX  account on my report that prevented me from obtaining a loan from them myself 3 years ago. Also on this phone call i found out that another collection account of almost {$500.00} was her actual husbands account not mine. Boat loads of names addresses phone numbers a wife multiple SSI numbers have been removed from XXXX. still a few remain. but even after all of this I only received a slight increase in my fico. This is ridiculous and I need this fixed. Also I should be rewarded with compensation for heavy damage to my credit embarrassing rejections the perception of having a wife when I was never married. I am retired and lving on a small pension and ssdi. I need credit to survive. Also after removed several delinquent and negative items since my initial complaint with CFPD my scores with XXXX  and transunion have dropped ridiculously and I feel this is a direct and intentional retaliation for filing that initial complaint And thet should be held accountable.

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 2017-09-16
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have opened my XXXX card after talking to XXXX marketing rep in XX/XX/XXXX. I was told that I will get XXXX  points as a welcome bonus. Again calling multiple times was told will get my points in XX/XX/XXXX billing statement. The rep even told me that you are eligible after 3 years as I had this card before. She insisted if I spend {$5000.00} then they will offer me another XXXX points, in total XXXX points. When called in XX/XX/XXXX they stated i am ineligible as i had the card in the past. I explained my situation and they promise to investigate and compensate me but till date after 4 weeks there is no resolution. I felt this is a shady business practice to lure customers and have them spend money. They only told me after 4 months of XXXX money spent. The company made its profit by getting the spending and through interest. So far I paid about {$500.00} in interests. I have called them several times and they still say that they are investigating the call details. If I was not misguided by customer relations I could have opened other competitive hotel cards which would have rewarded me welcome bonus. Talking to customer service is like asking for their kidney, they are unable to accept their own customer agents mistake and honor my points. I would not recommend anybody for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
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 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 ( two accounts ) remain in my credit report in violation of federal law.you ( Experian ) are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Experian does not provide me a copy of any original documentation require under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) A CONSUMER CONTRACT WITH MY SIGNATURE ON IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: MO
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:
15 U. S.C. 1681 SECTION 602 ( A ) States I have right to privacy 15 U.S.C.1681 SECTION 604 ( A ) SECTION 2 : It also states a consumer reporting agency can not furnish a acount without my written instruction In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXXXXX Account # XXXX has violated my rights XXXX  Account name : XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Thank you in advance

Company response to consumer: Closed with explanation