BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Dear American Express : I am writing with an issue with regard to your Delta credit card offer. I applied for the card yesterday in response to an offer at the Delta ticket purchase stage. With the ticket selected and on hold, I filled in the application for the sole purpose of being able to use the card for the ticket purchase. The offer states Id get a temporary American Express number for use of up to {$1000.00} for Delta tickets. I was approved. 

The only basis for my decision to apply for your card during ticketing was that I promised {$200.00} in statement credit for a purchase within 3 months on my new card. 

After I was approved, a screen appeared requiring me to confirm my cellphone number to proceed but provided no option to do so. There were only xxxs in place of my cellphone, with no ability to replace them with my number. I called Amex and spoke to 3 agents, including a supervisor. I was told thats just a technical glitch ; youll get your card within 3-5 days after mailing. The agent confirmed that Amex had my correct cellphone. They told me that there was no way to provide the temporary card numbers. I therefore did not buy the ticket. To be clear : the inducement to obtain your card was the ability to use it during the ticket transaction, NOT for use weeks later. It was a classic bait-and-switch. 

To add to the problem, today I received an email asking me to confirm my cellphone with several correct digits ( showing again that you indeed have the correct number ) and the others replaced by XXs. Yet again, the link didnt work because it merely took me to an account creation page. I can not create an account because I do not have the card numbers. 

The current situation is that I can not buy Delta tickets. I can not get the promised {$200.00} credit. My credit rating took a hit because of your credit check. And I still can not use the card. 

The agents appeared familiar with this problem. Was it a glitch or a calculated way to trap consumers into obtaining a card and not providing the statement credit? If it happened to me, it happened to countless others who accepted your offer during the ticketing transaction but were then denied the promised benefit. I am copying the Consumer Financial Protection Bureau complaints as well. 

I am copying Delta as well. At best, this is not a way to start off a relationship with a card holder or a frequent flier. At worst, its fraud in the inducement. 

I have screen shots from the aborted transaction showing that there was no way to accomplish the cellphone verification. Your agents verified that they had my correct cellphone number. I would be pleased to provide these documents to you upon request. Note that I used two different browsers and my XXXX with the same result. 


Sincerely, Name

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank froze my account on XX/XX/18 for a {$1000.00} certified bank deposit check coming into my account. I have a business account and it is registered and I pay my taxes timely. I need my account unfrozen so I can conduct business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called to request TD Bank who operates the Target XXXX Card for a balance letter faxed to my personal fax. They refused and told me they only fax those types of letters directly to banks or mortgage companies. They would mail it to me. I need that letter sooner as I am needing to send it to the credit bureaus so that my correct balance is reflected on my credit report. I can't believe they won't provide that service to a customer. I have had that card for about 4 years. Increasing my credit rating helps me to get better interest rates and saves me alot of money. They could care less. It is despicable that with all the interest that I pay them they can't do a simple request for me. To send that letter to the credit bureaus and have the credit bureaus update my information and score as quick as possible is very important to me. I had 6 other credit card companies fax me a balance letter. TD was the only one that didn't. It is horrible to me that they could care less about me. I also was hung up on twice. It is my account and my information, why is it that difficult for them to send a letter to my personal fax number?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I fully paid off this account months ago and sent in the equipment. I have proof of package dropoff at XXXX. XXXX said they would cancel the collections but have not. They continue to call me constantly, yet every time I try to get in touch with someone who can fix the situation, I get sent in circles until I get told someone will fix it, but then it's never fixed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2021 Someone opened a target credit card in my name. I only found out when I received the card on the mail. I called Target to verify if it was an actual credit card. The representative informed me it was opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Associated Credit Services, Inc.
State: OH
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:
On XX/XX/2020 I made a payment of {$130.00} to fully pay off the account. The creditor agreed to delete the account from the credit report. I have filed 2 disputes since then to get them to remove the debt and they are still reporting to XXXX  that the debt is still outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check for {$5000.00} into my personal checking account. It was nearly double the amount I had in that specific account. Rather than holding this and or checking to see if the check was legitimate, Fifth Third Bank made those funds available almost immediately. The next day, I was able to spend the full amount of need be. In order to fulfill my job obligations, I had to transfer almost the entire check amount into a work associates account. I didnt realize until after this transfer was made that this work associate May not trustworthy. I immediately drove back to the bank ( within two hours of initiating the transfer ) to cancel the transfer. Fifth Third said they would do everything they could to cancel it, but said it may not be possible. I personally dont feel they tried their hardest to stop this also. After notifying them of possible fraud, they looked up the check I deposited for {$5000.00}, and within minutes, they were able to tell the check was a fraud. I feel as though they were negligent, lazy, and if they had a better process for depositing checks, this fraud would have never happened. 

This same day, the XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. Now, Fifth Third is saying the problem is my fault. Theyve already penalized me for this and have taken {$5000.00} out of my account because the check bounced. 

Fifth Thirds policy for depositing checks negligent, and customers should not be penalized for other peoples lack of funds. The checks should be verified as legitimate first before depositing them into any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
We requested in writing to close both a checking and money market account using the bank 's secure messaging system. We received some responses, however the accounts were not closed. We withdrew all the funds. However, the bank insists on keeping the accounts open. We also sent them a written letter. And now we are getting notice of fees being assessed and negative balances. We have called their contact center and stayed on the phone a long time with them, again asking for the accounts to be closed. They promised to close the accounts as we asked. No luck. They just don't seem to be able or willing to close them. I have attached a number of documents as evidence of our efforts to have the account closed. This involves two different accounts, both of which we were trying to close at the same time, one checking and one money market account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Called EXPERIAN to freeze my credit. They would do so for 30 days for free and then use my credit card charge me XXXX a month. 

I was successful credit freeze with XXXX and XXXX. 


I made the call XX/XX/2018 at 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 2021-05-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Bread Financial Holdings, Inc.
State: IL
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 the balance on this account months ago in full for Comenity Bank XXXX but they will not update paid as agreed never late for this account. They accepted my payment & I want my credit reports updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Windham Professionals, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not have any debts in collection status. This company, Windham Professionals has been told repeatedly they have the wrong telephone number for individual with similar name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
Company: SYNCHRONY FINANCIAL
State: CA
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 we all know recently closed I had just gotten a credit card within 2 months of them closing had no idea they were closing they reporting it as a closed account and it's being reported on my credit I did not close the account they did because they went to bankruptcy the company said that their standard policy when they file bankruptcy I worked hard to get my credit good and I don't want a bankrupt company to mess it up

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX, Transunion and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.

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 2021-05-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian failed to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, Experian is showing ( XX/XX/XXXX ) and XXXX  is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 Creditor.

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 2021-05-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: DE
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:
Investigation did not fix error. Equifax said I am a credit repair company, I am stating that I am not a credit repair company and this account is reporting because my information was stolen. I am stating I had nothing to do with this and if they verified my information on file that is because someone stole it and used it without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a claim for my pay going into the wrong debit card. I was told wells Fargo couldn't not help. A month later I was told the pay was debit from the wrong acct but I was never credited nor notified. I am now waiting 2 months for my pay and wells Fargo doesnt know where they put my money. {$960.00} .

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 2018-06-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I periodically receive communications from XXXX XXXX company about money owed to XXXX XXXX. This debt was discharged in a bankruptcy. This agency has no phone to call and continues to send letters saying I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: SYNCHRONY FINANCIAL
State: TN
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:
THEY ARE REPORTING INACCURATE INFORMATION AND REFUSED TO SEND PROOF SHOWING THIS ACCT IS VERIFIED AND VALIDATED. ALL INFO ON ACCT IS INCORRECT. SENT THE COMPANY VERIFICATION AND VALIDATION REQUEST OVER 60 DAYS AGO AND THE COMPANY HASNT SENT INFO INFORMATION BACK TO ME AT ALL. BUT THEY ARE STILL REPORTING ON MY CREDIT AND REFUSED TO REMOVE AND SEND ME THE VERIFICATION AND VALIDATION ON THIS ACCT

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 2018-12-29
Company: EQUIFAX, INC.
State: VA
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:
In XX/XX/2018 XXXX XXXX XXXX pulled a credit with out my consent or authorization I would like this inquiry removed as it's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
So I have been a victim of identity theft with Oklahoma XXXX XXXX  and edd unemployment insurance I was XXXX XXXX XXXX XXXX during the time of the victimizer using my information to obtain multiple payments I have reached out to Bank of America and Oklahoma XXXX XXXX I have provided all required documents showing my XXXX  and other supporting evidence just to be denied I really need help retrieving all the money that was stolen from me during my XXXX I have been lied to and no resolution for my case has been provided except denials I dont know what else to do

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 2020-06-12
Company: Google Compare Credit Cards Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
have not been refunded and I do not want to be affiliated with any of your services or their services I need my money back for the XXXX something that Google pay authorized without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2018-06-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Obtained a VA mortgage with Wells Fargo on/about XX/XX/2016. 
Terms of agreement as explained to me, was a bi-weekly partial payment ( approximately 50 % of monthly mortgage ) every other week, satisfying the minimum monthly mortgage amount. 

Advantage of terms of agreement as described by Wells Fargo : each partial payment made bi-weekly would be applied toward the principle balance, making it possible to pay down the principle of the loan much faster than if I had made a single monthly payment every 30 days. 

Discovered after perusing through monthly mortgage statements that bi-weekly mortgage payments were not being applied to the principle amounts. Instead, biweekly payments were being held by Wells Fargo until the full amount of the minimum monthly mortgage payment was received by Wells Fargo.

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