BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is the continuous effort to resolve the dispute I have with American Express on the terms and conditions they are hiding from customers. 

I made the complaint in a previous case XXXX In XXXX 2017, I have signed up for a American Express XXXX cards with the promotion to award XXXX XXXX XXXX reward points after I reach the spending limit of {$3000.00} which I did. I have confirmed multiple times with American Express customer representatives regarding this welcome reward point during and after my application. All those American Express customer representatives have promised and confirmed with me on the recorded line that I should be awarded with those XXXX points after I reached the spending limits which I did. With such promise and conditions, I was convinced and applied for this card with {$95.00} annual fee. Unfortunately, most recently they told me that there was a fine print terms in the application contract that those reward points will not be given to me since I had the similar card before. First, I do n't remember I had similar card before. Second, I did not remember I saw such fine print terms in my application form ( I have included their advisement here for your information, please help me to find where did they ever disclose such condition in the application form?? ), Lastly, I never signed and agree such hidden terms in a written document. Actually I have been asking American Express to provide me the copy of application form which I signed and agreed such hidden terms, they never did sent me a copy. Therefore, I believe this is a very unethical and wrong business practice conducted by American Express. I am urging American Express honor that they have promised to customers and correct their wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I requested my credit file from my annual report, I was unable to get my Equifax information. I proceeded to the Equifax website, I attempted to sign up for Equifax monitoring where I can view my report and monitor my score. After completing the sign up, A message stated unable to view please call. I called the number provided. I was transfer to 2 departments that was unable to find a reason I cant view my report and score, Over 10 minutes on the phone, the associates was very nice I must say. I answered all the security question correctly still no resolution. I'm in the process of purchasing a new home, my score on Equifax is the lowest of the 3.Equifax is not a choice of mine! We need them to work on the consumer behalf this is affecting people lives!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Asset Recovery Solutions, LLC
State: MD
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:
Asset Recovery Solutions first reported on my Credit report on XX/XX/XXXX in the amount of {$740.00}. I never received any notice from this company nor was I given the opportunity to dispute or request method of verification prior to this company posting on my credit report. I don't know any further information about this debt. I initially contacted this company in XX/XX/XXXX to request proof that this debt belongs to me but was unsuccessful. I've submitted multiple disputes with the credit bureaus to remove this from my record but the dispute results always came back as " account verified as accurate ''. Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), I have the right to request the " Method of Verification ''. The credit reporting agency must give you the method of verification information within 15 days of your request. I request " method of verification '' from both the debt collector and Credit bureaus via certified mail and was unsuccessful each time. XX/XX/XXXX, I contacted Asset Recovery again to find some sort of resolution and to request for proof. I was informed that this debt was now sold to another agency, which no contact information was provided. I refuse to pay this company without proof. 

As stated in the FDCPA, Asset Recovery Solutions must send a validation notice within five days of their first contact with you. That initial letter must include a warning known as a Mini Miranda stating : The communication is from a debt collector and that any information obtained may be used to collect the debt. The initial letter must also state you have 30 days to request debt validation, otherwise, they will assume the debt belongs to you. I never received a letter from Asset Recovery Solutions which does not include the Mini Miranda so this means FDCPA has been violated which I will now pursue legal matters. I request proof that this account belongs to me. If this company fails to provide proof, I want them removed off of my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received a letter that a judgment had been entered against me. Threatened further legal action. And threatened to garnish wagers, bank levy and liens.

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 2019-07-23
Company: EQUIFAX, INC.
State: GA
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 am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CapitalOne360 experienced a security breach through their card vendor and cancelled my card. I did not receive notification of this until at a XXXX. I called, it will take several business days to receive a new card, meanwhile I am literally going to go without food for several days because they couldn't be bothered to alert my when they were cancelling my card and start the process of sending a new one. 

No accountability or care for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: AES/PHEAA
State: MI
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 have been awaiting a manual recount of my number of eligible student loans payments for PSLF since  XX/XX/XXXX. It was estimated that they are off by at least 9 payments and this significantly impacts my PSLF eligibility date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX claimed that I owed them XXXX possibly XX/XX/XXXX. After retaining funds from two banks accounts, along with the payment made XX/XX/XXXX. This debt was paid in full ( and then some. ) I received a letter today from Transworld Systems Inc. stating that I have a collection account due to non-payment. This is false information as this debt has been paid in full ( on 3 various transactions, through XXXX, XXXX XXXX, and XXXX. ) I also have the letter from XXXX XXXX, at XXXX stating this debt has been PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I receive a call weekly from tower loan in XXXX  stating that I am two payments behind on my account which is not true because I make payments bi-weekly. The company has gone to the point to use my social security number to find out my new place of employment and harass me at work. I work in a XXXX XXXX XXXX and currently am XXXX XXXX XXXX. When I asked them not to call my job I get remarks of " well if you answer your phone we wouldn't have to ''. I did not give them permission to call my job or anyone else. They harass all day everyday but then send letters asking would you like to borrow more money. I have spoke with several different agents XXXX, XXXX, XXXX, and today XXXX whom was extremely rude. They do not communicate with each other at all. One will call one day asking when a payment will be made. You give them a date and then less than 3 days later they call back.

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 2017-07-31
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection account listed on my credit reports by a debt collection agency, CCS-Credit Collection Services, collecting on behalf of XXXX XXXX XXXX XXXX CCS is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: AL
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:
Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have filed a complaint in the past regarding Wells Fargo utilizing wrong information to calculate my request for a loan modification so I could keep my house after my divorce. Due to this error, which really should be checked into for private investor loans not just XXXX, XXXX, and XXXX, my house was put into foreclosure as I had to stop paying in order to procure a short sale that the divorce courts ulitmately ordered because Wells Fargo would not work with me to get my ex husbands name off the loan. Ultimately, during the right to reinstate period I ended up with a short sale in XX/XX/XXXX. 

I have just been notified that my " LOAN '' was sold to XXXX XXXX XXXX XXXX effective XX/XX/XXXX, 3 months after the approved and closed short sale. I have been in touch with XXXX XXXX XXXX XXXX XXXX XXXX as well as a general Loss Mitt representative regarding the sale of the house multiple times already. Now they are threatening foreclosure and hurting my credit rating instead of doing their due dilligence. 

Between Wells Fargo and XXXX XXXX XXXX, I have incurred more XXXX issues and feel this is Wells Fargo retribution against me because I have filed multiple complaints against them. This is causing additional stress to myself and my family not to mention now I have to watch my credit for false reporting AGAIN!!!! This is continues Harrassment on the part of Wells Fargo and now 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 2018-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX/XXXX/XXXX ( 46 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 1 hour and 32 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 32 minute conversation with Equifax Reps ), and XXXX/XXXX/XXXX ( 27 minute conversation with Equifax Reps ) I attempted to contact Equifax to resolve the issue of being unable to access my dispute results, log in online, or thru XXXX as I was told my information was part of the Equifax breach. It is very frustrating and no one there seems to care, be concerned, or go above and beyond to be helpful in resolving. 

On XXXX/XXXX/XXXX, I was sent an email saying I my dispute results were ready to be reviewed. When I tried to it said my information was wrong. I can not log in to see my dispute results or into the XXXX XXXX. I initially thought ok maybe something is wrong with system and would just try again the next day. 

On XXXX/XXXX/XXXX, was my longest conversation and attempt ever. I contacted Equifax only to be passed/transferred around to about 6 Reps in which none were very friendly or helpful even after requesting to speak to a supervisor or manager (  denied ). I was told I have no credit report when I know that I do. They proceeded to make me feel as if I was crazy by asking if I was sure I have credit and was I sure of my log in etc. I also had requested to be warm transferred each time because it was exhausting and very time consuming to have to keep explaining the issue over and over to the next person. Each time they lied to me and would tell me they would warm transfer me but I was just dropped in a queue to the next person. Mind you this is during my work day. Each time I was told there is a glitch with the system and that the next person would be able to help me. 

On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Same runaround with the conversation and issue. I couldnt take being passed around so after 2nd and 3rd transfer attempts I disconnected the call. 

No one can provide a resolution. I was told there is a glitch but no resolution. This is very concerning to me and super stressful as I am attempting to buy a house at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: MARINER FINANCE, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am signed up with clear one advantage, which I updated my phone number to that company so the creditors can call them and not me. But I have two companies that keep call me on my cell phone, my work, my husbands work and now someone showed up at my house. The companies are Mariner Finance and XXXX XXXX XXXX, can you please have them stop calling me and have them contract Clear 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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
fcra violation why does XXXX need the same report 5 times remove all but one XXXX did the same 2 inquires same day XXXX XXXX never applied ftc XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXXXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, I purchased {$500.00} worth of bitcoin on Coinbase 's app with my XXXX credit card, but the the coin did not come through. On XXXX XXXX they sent me an email saying : " On XXXX XXXX, XXXX, you ordered XXXX BTC via your payment method for {$500.00} USD. 
Unfortunately your transaction has been canceled by our banking partner. If your payment method was charged, you will receive a full refund as quickly as possible. If you have any questions, please contact our customer support team. 

We apologize for any inconvenience! '' I have emailed them a couple times since then and they have been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have already made a complaint through CFPB regarding this issue ( see below ). I am not happy with their response because they stated that my phone number had been updated in XXXX ; this not true and, in reality, I received three emails on XX/XX/XXXX from Capital One stating that my phone number had been updated ( see one of the three emails attached ). The Capital One representative also stated that I had attempted to access my online account from overseas and that their 'website security features aren't designed to accommodate international sign-in attempts ' ; in reality, I was in XXXX , Ohio and able to access my account once phone number and login credentials were established. At the same time, in their letter the same representative stated that I was able to login several times successfully on XX/XX/XXXX ( which wouldn't be possible if I was overseas ) ; that is, stating one thing and its contrary ( see attached ). 

Here 's my original complaint through CFPB : On Wednesday XXXX XXXX, I wasn't able to access my Capital One online accounts ; this unique Capital One log-in should have opened all my on-line accounts including checking, savings, IRA and credit accounts with Capital One. Even though I used the correct user name and password to log in, I wasn't allow access to my accounts. The only option offered to me through their portal to verify my identity by an alternative method was set to be through an old phone number XXXX ; this was my phone number before XXXX. 
I had no choice but to make a phone call to Capital One the next day Thursday XXXX. I was put through a series of redundant verification steps over and over through several customer service representatives in different offices. This process was complicated by the fact that allegedly I hadn't updated the phone number linked to my Capital One accounts supposedly since XXXX. As a matter of fact, I did update my phone number with Capital One in XXXX and my current phone number has remained the same since that time. I have found in my e-mail account the e-mail notifications I received in XXXX confirming I had updated the phone number linked to my Capital One account. 
Please find attached as PDF the e-mail notifications regarding the successful update of my phone number in XXXX ; I am also sending an e-mail from XXXX ( XXXX ) which shows the actual phone number. 

I am asking for compensation for the unnecessary time spent over the phone and writing redundant e-mails to Capital One regarding these matters.

Company response to consumer: Closed with explanation