BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I wired XXXX US to the XXXX XXXX XXXX XXXX BB & T Bank ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Acct number XXXX in the name of XXXX XXXX XXXX ) for the purchase of a boat. 
I soon realized that I was scammed and asked BB & T to return the money. I also asked my bank XXXX to ask for the money back. 
To date BB & T has refused to reimburse the money to me or to XXXX. They have also declined to pursue the owners of the account which was used for the scam. 

XXXX has rolled over and accepted this outcome. 
Attached are the details of the scammer 's account. I would also like to add that I remained in touch with one of the scammers and begged the XXXX to track the owner of the scammer 's email account. I had no acknowledgment that this was done.

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 2021-06-12
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 my account was hacked and 3 transactions were withdrawn from my account. {$1000.00} XXXX {$1500.00} XXXX and XXXX wire. I'm and XXXX year old man and have never done any wires or XXXX transactions before. I was never contacted by the bank to alert me to the activity and I thought I had filed a claim, but never received any paperwork to confirm it was processed. I went to the branch on XXXX and was the would process a claim. I later called the dispute center and was told the XXXX payments were denied because they could not reach me. This is false I was never contacted and I'm still within the 60 days to dispute the transactions, but I keep getting misdirected on next steps. I spoke to family and Im suppose to be able to file a REG E claim and no documents were every provided to me and no confirmation of my claim. Not only am I being taken advantage of my the people who commit fraud, but also my bank that is suppose to protect my money. The ref numbers I had to call and fight to get to confirm I have some claim is XXXX and XXXX. I was told by family that a REG E claim I should be credited within 10 days on my dispute and I have not received paperwork or a credit for the claims totaling {$12000.00}. I don't know how in the world they could process a wire without ever contacting me. My credit union procedures have measures in place to do call backs and confirm the transaction. NOTHING has been provided to me while I sit and worry about how to get this money back. I believe they are in violation of REG E as they have not provided me any documents for my claim, I had to call 8 times to get the ref numbers. They are taking advantage of my age and the fact that fraud was committed against me and my money was stolen and they did nothing to protect me. I was not aware these transactions were taking place in my account.

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 2021-03-13
Company: PROFESSIONAL COLLECTION SERVICE, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRO COLLECT is claiming that I owe them {$990.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-01
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I AM TRYING TO COLLECT EXTRA MONIES COLLECTED DURING ESCROW FOR THE PAYMENT OF FLOOD INSURANCE. I PAID A COMPLETE YEAR OF INSURANCE BEFORE ESCROW CLOSED. I AM PAYING A MONTHLY CHARGE FOR THE NEXT YEARS INSURANCE WITH THE PRINCIPAL PAYMENT. THERE WAS AN ADDITIONAL {$1000.00} COLLECTED IN ESCROW TO PAY FOR 2 MONTHS WORTH OF INSURANCE UNTIL MY MONTHLY PAYMENTS ACTUALLY STARTED. THE REMAINING BALANCE IS {$610.00} THERE IS NO REASON TO KEEP THIS AMOUNT. I HAVE RECEIVED 3 LETTERS STATING THEY ARE RESEARCHING. 
TO DATE -- NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I did not authorize these accounts. these accounts are fraudulent.

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 2021-06-12
Company: CITIBANK, N.A.
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 received a call from Citibank on XX/XX/2021 asking about charges made on my account, I was traveling in Florida for work and did not make the purchases. I had the card in my possession and they closed the card told me to cut it up and they re-issued a new card. I have since been trying to get the charges removed, there are three charges totaling XXXX. I have sent them airline tickets, hotel bills for the week that I was traveling for work. I was with 7 other people who confirmed my attendance in Florida and they still have not removed the charges. They sent me a letter saying it was because someone used the card reader, I have asked for video of the person who used my card when I had it. I am still arguing with them and it is on my credit report. I did not make these charges and it is not even in my area. I need help getting them to remove these charges.

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 2021-12-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was asked to apply for a Credit card at Home Depot and decided to cancel it. They had an old address for me which they said they couldn't change. As a result, I never got a bill and there's nobody to communicate with. As of now, I'm getting hit with fees, and am subject to collection by Citibank which I have nothing to do with. 

I want them to remove the fees, however, I do want to pay for any legitimate purchases made at the time of my application.

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 2021-06-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I XXXX XXXX a consumer sent a good will letter to said company Comenity Bank XXXX XXXX ) asking for a removal of late fee that happen XX/XX/XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX during the pandemic. These negative reporting has caused me a low credit rating as well as not enabling me to create credit for household purposes. I have been with Comenity Bank since XX/XX/XXXX and have worked diligently to stay ahead of all payments. This comapny never sent me anything in writing warning me that they were going to add these negative remarks on my credit UNDER 15USC 1666a correction of billing Comenity Bank never sent me any lettters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My interest rates are high. I called the companies trying to get a better rate. My credit score is XXXX and I am paying 25.24 % and 21.24 %. When I started with these companies it was 0 % for a period of time. I have always paid my bills but I did not pay close attention to the interest rate. I never expected to get the highest rate but I did. I believe I got this rate because my city is redlined. I am XXXX living in a XXXX area of the city. My husband rate is 20 % and his credit score is XXXX. We both have good jobs and are still work and retired. It not that we can't pay we just want to be treated like everyone else in the country.

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 2017-09-30
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
this complaint has already been received by the customer assistance case number.XXXX,,,,, XXXX XXXX XXXX XXXX these people sent me a letter XX/XX/XXXX saying they turned everything over to your company.. and today,, XX/XX/XXXX,,, i was told us bank had till XX/XX/XXXX to respond and they were to send a email to.. XXXX ... ... ... .... i did not receive this email so i would like you to send it again.. thank you XXXX XXXX,, i will call tomorrow

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 2021-12-01
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 contacted all 3 credit bureaus as well as XXXX 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due 1,206.00 ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month

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 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent several certified letters to Transunion requesting their method of verification. The company has failed to provide any of the proof I requested. I have asked that they perform an independent investigation of the accounts I have disputed and send a copy of the information that proves the information was verified by the original creditor. Transunion has not provided any method of investigation as I have requested on several occasions

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 2021-09-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.

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 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to Covid19 that resulted into unemployment, I have been unsuccessful in getting assistance with my three of Capital One credit cards since XX/XX/XXXX. Unbeknownst to me, these three credit cards were closed on XX/XX/XXXX. I saw that three of the accounts were restricted, but I never received any notice informing me that my accounts would be closed. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and through Capital One chat, I have requested assistance with my accounts, which has not been provided. 

On XX/XX/XXXX, I spoke XXXX, and was transferred to a XXXX male named XXXX, who was a supervisor. He claimed to be speaking to his supervisor and support team to get approval to assist me. Yet, he came back on the line asking me computer-generated question, which concluded that I did not qualify for assistance. I recorded all conversations with representative for evidence of my efforts to protect my credit and to make payment arrangements with Capital One. 

I have spoken with several men ( XXXX and XXXX ) who have Capital One accounts that are over the limit, and two have been late on their accounts. Yet, Capital One has deferred payments and waived interest and late fees for male individuals. Every time I contact Capital One, I must speak to several different people, who claim to be escalating my calls to supervisors for assistance. These calls and chat last for more than an hour each time, without anyone offering assistance with payments. 

As a XXXX woman, Capital One and its computer-generated assessment of my account is discriminating against me based on race and gender. I have never paid my account late. I also have never gone over the limit until XX/XX/XXXX, due to a settlement that is pending due to Covid19 civil cases backlog. 

I have been an XXXX XXXX customer since XXXX. I am a financially responsible individual. With the exception Capital One, all my credit card companies have provided deferred payment assistance for several months. The stress that Capital One is causing me is diabolical. Besides being unemployed due to the virus, I have XXXX  and XXXX  XXXX, and this discriminatory failure to aid is negatively impacting my health and jeopardizing my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital one has charge back away more charges then what was authorized I have file disputes as including of our police reports of identity theft yet they continue to take the merchant 's word over mine and of charge back over 600 dollars of charges on my credit cards but they can't validate them. I show 2 in screenshots I has some information I show screen shots and they still reversed the the adjustments after I report fraud so they're not backing behind their fraud prevention. They have charged me XXXX for a website I can't access for jobs when I have a job. They can't show signature for delivery of something I allegedly authorized XXXX for. Tracking that says it was delivered and it wasn't. A plane ticket when they see I'm in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX  XXXX Balance {$0.00}, XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX Balance {$2100.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX XXXX XXXXXXXX Balance {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a natural person and completing this complaint upon my own request. I applied for the Apple Card and was denied. Please see attachment for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened auto loan with capital one auto in XX/XX/XXXX. Over the course of the loan I was charged interest and extra interest for extensions on the loan that was not disclosed to me. During my loan I had several mechanical problems with the vehicle my fifth year being the most costly .The car needed a transmission, computer and other repairs totaling over 7,000.00. I reached out to capital one in XX/XX/XXXX requesting assistance. I was told by the representative that I was unable to receive assistance unless my account was three months behind. My account was already one month behind at the time. She advised me to call back for a program around the 90 day mark. I called in to capital one in XX/XX/XXXX and I asked for available program and I was told that there is no button available for them to push for a program even though my account was three months past due as I was instructed to do by the representative I spoke with in XX/XX/XXXX. I asked to speak with a manager and I was also told that he could n't help me because my loan was at the end of its term and he also explained to me how the capital one system works and how they wo n't offer assistance and about their predatory lending and harsh practices. I called back again in XX/XX/XXXX to seek a remedy and spoke to several people and was later contacted by the corporate office and they failed to send me an email or place anything in writing or assist me with the matter. The young woman did offer to review the calls. I explained to the woman that she shouldnt call but place her findings in wtiting and she said she couldnt do that and that only her legal team could. The represenative called me back anyways after my request was for her not to because of previous issues, i declined to take the call and she refused to put her findings in writing. My account was charged off in XX/XX/XXXX and Capital one continues to bill fees and monthly payment amounts to the account without sending bills or notices which is a direct violation of the truth and lending act. Also contacting a customer when they have a non contact order on the account. I have tried to resolve this issue with the company and their refusal to update my account history and not assist with the loan, their violation of the laws is evident. I am left with no other option than to take legal actions if this matter is n't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Racism and discrimination played keep part in our refinancing process there was an ongoing engineered series of discrimination by our loan officer and the high ups and large even after filling countless complaints the company treated us with total disrespect and discriminated against us based on our ethnicity and race I worst came when they changed our locked lower interest rate to a higher interest rate because we complained about the poor services we were receiving as a customer

Company response to consumer: Closed with explanation