BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 XXXX XXXX  - A man called claiming to be from CBE Group ( phone number XXXX ). He had my name, address, and the last four digits of my social security number. He asked me to confirm that I was [ my name ] whose SSN last 4 digits was # # # # and I said yes. He was the 2nd person to call in 2 days claiming to be from CBE. He told me he was attempting to collect a debt of XXXX {$900.00} from XXXX. I told him I had never had a XXXX account and he told me he was going to transfer me to the fraud department. After three attempts, someone answered and said he was with the fraud department and how could he help me. I told him he should know because the guy just transferred me to him. He said he didn't know but he could help me anyway. I hung up. 

I called XXXX and they confirmed that I did not have a debt and that that number they called from wasn't one of theirs nor was it one of the numbers from which their contracted 3rd party collections agencies called. 

I called CBE 's main number and spoke to someone who collects for XXXX and she confirmed that my number was not associated with any number they had for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Critical Resolution Mediation LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a call from, XXXX XXXX XXXX. I left a voicemail and told him to stop calling and his number was blocked. He called back at XXXX ( XXXX time ) from a different number in XXXX. He told me it didn't matter about me blocking the number that he would call me everyday ( harassment ). I called back and he rudely told me I owed on a XXXX account for {$1900.00}. I had to call him back several times because he told me I had an attitude and refused to give me details. After being hung up on 4 times he finally told me it was an attempt to collect a debt. I have never had a credit card with XXXX and told him this but he told me he would be contacting our local authorities to handle me. He falsely told me I had been contacted and authorities sent to my address which from his records was an old address 6 years ago. He even had my full social security number which I'm not sure how he obtained this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/XXXX I applied for the XXXX card by American Express. I applied as the card was offering a XXXX membership rewards bonus points signup offer after completing {$5000.00} in spend within 90 days. I received my card and completed the spend on XX/XX/XXXX, before the 90 day cutoff to complete said spend. I called in to the customer service line in XX/XX/XXXX to  confirm that I had met the minimum spend and to check when the bonus points would post. A representative confirmed that I had met the spend, I was eligible for the bonus offer of XXXX membership rewards bonus points and that they would post after my next statement posted. After my XX/XX/XXXX billing statement posted, I called back in to customer service on XX/XX/XXXX at XXXX PST to speak with customer service. I reiterated that I was told that these bonus points would post after my most recent statement posted. This rep confirmed that she saw the XXXX membership rewards bonus points offer, that I had met the spend and that I was eligible. She they stated that the points take 6-8 weeks to post. I called back to customer service on XX/XX/XXXX at XXXX PST and inquired about the signup bonus of XXXX points I was due to receive. This representative stated that I was not eligible as I previously held the XXXX card. I explained to her that in the terms and conditions of the offer, it did not state this as an exclusion. I also re-stated the offer code I used to sign up and nowhere in the terms and conditions it stated that previous card holders were ineligible. American Express is using deceptive advertising and marketing practices to lure customers to sign up for credit cards, promising a signup bonus and then fabricating an excuse to not pay out the sign up bonus to customers. I would like American Express to honor the terms of this sign up offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi bank On XX/XX/2018, I opened a saving and checking account and I was told by the representative that I will receive {$400.00} bonus if I keep the accounts open and maintain the balance above {$15000.00} for 60 days which I did. 

After 60 days, Still no bonus, I called the citi. They said they need 90 days for investigation and ask me to keep the account and money in the account. 

This is a FRAUD ... 

Citibank case # 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 2021-03-09
Company: CarMax, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
CarMax Auto Finance has never gave me a loan. CarMax keep sending me bills. 
CarMax never responded to my Affidavit. 
I request CarMax Auto Finance send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). 

I, the consumer participated in a consumer credit transaction. 
I'm the original creditor, lender, executor administrator and holder in due course. 

See Affidavit sent XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, Bank of America reversed {$740.00} of credits and any bank fees reversed given to me, XXXX XXXX for unauthorized transactions which occurred on XX/XX/2018 and went through on XX/XX/2018. On XX/XX/2018, I assume that on XX/XX/2018, I lost my bank of america debit card at XXXX XXXX  # XXXX. Someone stole my card and used it at the XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX 's. The transactions are listed in an attached copy of my bank statement with Bank of America and are listed 1 to 10. I clearly informed the bank representative that I did make a purchase at XXXX XXXX when I lost my card ; I was not sure how I made the purchase. The purchases put my account in the negative. I contacted Bank of America when I was notified my account was below XXXX. I placed a stop on my account, I requested non of the purchases to go thru. The bank refused and offered to provide fraud credits. The bank cancelled the card and sent me a new one. The person with the card continued to use the card and some of my electronic regular payment went through. The bank issued credits. On XX/XX/2018 the bank reversed the credits. The reduction of my account is not allowing me to pay my rent. The bank states that I did business with XXXX  and does they are not honoring the credits. I read that with stolen cards that the bank can only charge me {$50.00} for unauthorized transactions. Bank of America could have cancelled the transactions until they were provided with proof from the merchant. The transactions were pending when I contacted the bank. They allowed the fraudulent transaction to be processed as purchases by me.

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 2020-10-26
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On file complain on XX/XX/2020 case # XXXX Requesting mortgage note Gregory funding did send dee of trust form and all information is not correct and not recorder by the state of californian and my legal name is not in there files and send me a letter want to foreclosure whit not properly legally file ducument s not We need to be stop to file in court and show right legal documents I will send copy s they did send 7 copies Is clear documents are not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX a large sum of money was taken out of my account. The sum of {$4500.00} was deplete from my account. This was done in the California area. I discovered this the next day which was XX/XX/XXXX - I then went to the bank ( Bank of America ) and reported the fraud - the associate helped me to put a claim in. I also reported the fraud to my local police department which is in XXXX XXXX, Florida where I reside. I closed all my old accounts and open new ones with the bank in case my information was still out there. I have sent all the necessary information to Bank of America for the past two months trying to get my money back. I keep getting denial from the bank. They claim I gave some one my pin number which is impossible. I have bank with company for the past twenty plus years - In the past I have tried to withdraw money from my account and was told I have reached my limit withdrawal and then was notified by the bank. I have never been to California and I do not know anyone there. It was puzzling to know that amount could be taken out with a red flag alert to BOA. I am very disturb about the security of my money. Please advice me what other steps to take to get my money. 

Thank you for your consideration on the 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 monetary relief
Consumer complaint received 2018-07-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
By XX/XX/2017 I had received numerous offers for an American Express Delta credit card. It claimed a reward of XXXX miles for signing up and using the card and spending {$1000.00} in three months. When I tried to sign up for the card, I was given a 20 minute speech. I said I didn't have time to listen for longer. I tried 3 more times but the agents didn't seem to be able to process the application. One agent told me to try online. When I tried online, the message kept saying that my XXXX  FF number wasn't correct, even though I knew it was. I gave up. 

I have called Amex and XXXX  numerous times about this credit card to get the miles and buy my flights with the " free checked bags. '' Each agent and the online information are completely conflicting. Today I signed up for the card, then when I wanted to use it to buy the tickets I had spent DAYS trying to coordinate, it said my purchase limit was {$1000.00}!!!! ONE PART of the ticket I need to buy is {$1100.00}! The other is {$1000.00}, the other is XXXX Euros. The ONLY reason I got this card was to buy these XXXX flights and get the miles. If I don't buy all three parts of the tickets together, I may lose the linked flights. And if I use another credit card, I don't ' get the bag fee waivers or the miles which was the only reason I signed up! I am VERY angry because I know that every time I apply for a card I lose points on my credit score, so I do not like to sign up for cards I don't need. I did not need this card. I already had an AMEX and knew how incompetent Amex Can be ( they sent MY credit cards to a random address and won't tell me what INCORRECT address they have in their system. They risked my having identity theft and did nothing to compensate me for that. 

Amex and XXXX should be fined for this fraud they are committing. 

I want compensation for their lowering my credit score, and I want the XXXX bonus miles I was originally promised, since I didn't get it due to THEIR errors, and I want all bag fees waived and the double miles I would have gotten for {$2200.00} on XXXX. Otherwise, I would have used another credit card and another airline! 

XXXX already failed to credit me for the miles I flew from XXXX  to XXXX,, and the miles my boyfriend flew from XXXX  to XXXX  to XXXX. XXXX and XXXX are both scamming their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called midland funding about a 7 year debt in which they offered me a settled amount to be considered paid in full settled however they are reporting to the credit agencies I have a balance the agreement was to be deleted and considered paid. I will take action if not corrected ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three credit bureaus through certified mail informing them of my identity being stolen and none of them have responded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had not received a bill when expected for my XXXX Visa Card issued by Barclays Bank Delaware ( Barclays ) of XXXX. XXXX XXXX, XXXX, Delaware, XXXX, so I promptly sent them a written correspondence on XXXX XX/XX/XXXX. A normal response should have been the issuing of a billing statement. Instead, they sent me a XXXX XX/XX/XXXX letter with the blatant fabrication " We called you several times to discuss your concern, but were unable to reach you. '' In reality, I never received a single phone call as it would have been registered under " Recents '' upon my XXXX XXXX XXXX. Finally, quite belatedly, they sent me a XX/XX/XXXX to XX/XX/XXXX Statement with the unrealistic Payment Due Date of XX/XX/XXXX that had to be received at their payment processing center 1,842-miles away ( a 27-hour drive ) located at XXXX. XXXX XXXX, XXXX XXXX XXXX, California, XXXX, that was not in my physical custody until XX/XX/XXXX for the remittance of {$33.00}. I immediately issued personal check # XXXX for {$35.00} and mailed it the next day before the XXXX pickup time. On XXXX XX/XX/XXXX, XXXX emailed me that " We received your XXXX Visa Card account payment and applied it to your credit card XX/XX/XXXX. '' XXXX XXXX XXXX ( Barclay Bank Delaware ) Then sent me a XX/XX/XXXX letter stating " The balance on your XXXX Visa Card amount is {$140.00} as of XX/XX/XXXX. Your next payment is due on XX/XX/XXXX, with a minimum payment due of {$27.00} '' that I was not in receipt of until XX/XX/XXXX. Conseqeuntly, I deducted the {$35.00} I've already disbursed and subsequently mailed them check # XXXX for {$100.00} to XXXX XXXX XXXX, California, on XX/XX/XXXX. Today ( XX/XX/XXXX ), I received my second XXXX Visa Card Statement for the XX/XX/XXXX to XX/XX/XXXX period with a new balance of {$170.00} ( of which only {$29.00} do I owe ) with an iniquitous {$27.00} Past Due charge even though it is clearly there direct fault my payment was " late. '' Please enforce the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, Regulation Z, as Barclay Bank clearly has transgressed 226.5 ( b ) ( 2 ) ( ii ) known as the " 21-Day Rule for Delivery of Periodic Statements '' ( XXXX XXXX XXXX ). They have a flagrant disregard in assuring XXXX Americans have equal access to their services. I don't appreciate being segregated by this ableism company who has gross incompetency in ensuring timely issuance of credit card billing statements. Thank you for your help.

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 2020-10-26
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I hired Lexington Law to repair my credit for three months, approximately XXXX XXXX XXXX. I cancelled the service because they were not getting the results I expected. I received a call from Lexington Law around XX/XX/XXXX. I was asked why I cancelled and I told them it was because they sent too few letters and they were not focusing on what was important to me which was removing the bankruptcy public record entries from my credit report. The lady I spoke to told me that they would focus on the bankruptcies and getting those removed and they would charge me a lesser fee. Lexington Law only sent one letter to address one of three bankruptcy entries on my credit files. The other letters they sent were ineffective, I got letters from the credit bureau saying they would not remove the information because Lexington Law had sent multiple letters for the same entry resulting in the credit bureau confirming the debt. I called Lexington Law and cancelled the service on about XX/XX/XXXX. I was supposed to get my first charge XX/XX/XXXX. I received an email confirming the cancel and then this morning I get an email saying my service level has changed and to expect another charge in XXXX. I do not feel Lexington Law did what they promised when I agreed to rejoin therefore I want them to refund me any bill from XX/XX/XXXX and I need to make sure they cancel my service and cease trying to bill me. I tried to text with Lexington Law and no one replies for several hours and I can not get through on their customer service line that keeps saying it is busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A bankruptcy is appearing on my credit report that is not mine. I am attaching a letter I have sent to Experian DISPUTING the public record and or bankruptcy.

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 2019-09-17
Company: EQUIFAX, INC.
State: AR
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:
EQUIFAX AND XXXX  AND XXXX ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. NOXXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX funding and Equifax XXXX I have dispute this information multiple times with XXXX and Equifax, this account is in collections and I paid XXXX XXXX and they said they will do a pay to delete, I have also sent the Equifax the same letter this account was paid in full, neither are trying to remove this account from my credit report or report it paid in full, I request a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX XXXX XXXX  ( XXXX  ) XXXX  over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX XXXX ( XXXX  ) XXXX  that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX  ( XXXX  ) XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX  XXXX XXXX  ( XXXX  ) XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX XXXX XXXX ( XXXX  ) XXXX  failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

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