BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/2021, I used my American Express card to purchase two tickets on XXXX for XXXX XXXX XXXX. The tickets were my my wife and I. We planned to travel to XXXX during the XXXX week. We paid {$830.00} for each airline ticket. The tickets were not refundable. When we purchased the tickets, the schedule called for us to depart XXXX XXXX, California on XX/XX/2021 and arrive in XXXX, XXXX on XX/XX/2021. On XX/XX/2021, we were scheduled to depart XXXX, XXXX and return to XXXX XXXX, California on the same day. On XX/XX/2021, I received an email from XXXX advising me that XXXX XXXX XXXX unilaterally changed my flight schedule. Instead of leaving on XX/XX/2021. The new schedule called for me to depart XXXX XXXX on XX/XX/2021. In addition, I would not arrive in XXXX XXXX until XX/XX/2021 as a result of a nearly 24 hour layoffer in XXXX, XXXX. XXXX XXXX XXXX also changed my return flight date leaving from XXXX, XXXX on XX/XX/2021 to XX/XX/2021. XXXX requested that I approve the change. I declined the schedule change and I received an email from XXXX telling me that I would receive a refund. When I did not receive a refund from XXXX, I contacted, American Express to dispute the charges for the airline tickets. I also contacted XXXX. On XX/XX/2021, I received a letter from American Express refusing to credit me account. I called American Express and I was told they would not remove the charges for the airline tickets. According to the U.S. Department of Transportation, I am entitled to a refund if the airline made a significant schedule change. In this case, I believe that XXXX XXXX XXXX made a significant schedule change to my iternary and as a result, I am entitled to a refund of the purchase prices. I have not been offered a refund by XXXX or credits for the fees that I paid. I would like American Express to refund me the fees that I paid for the two airline tickets on XXXX XXXX XXXX. I also believe that I was fraudulently induced by XXXX and XXXX XXXX XXXX to buy tickets that never existed and XXXX and XXXX XXXX XXXX intended to change the tickets to completely unusuable tickets and not issue to me refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection I want to inform you that I have never done any type of business with this company that claims to have any type of debts with them. I do not know and I repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mention the legal status of an alleged debt. 3. Violation 15 USC 1692e A debt collector may not use any false, misleading or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4. Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt will cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the consumer 's prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer regarding the collection of any debt... 6. Violation 15 USC 1692d ( 4 ) The announcement of the sale of any debt to coerce the payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer granted directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if permitted by law, the creditor, creditor 's attorney, or debt collector 's attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my son onXX/XX/2019. I received a statement a statement for anesthesia services onXX/XX/2019 for $XXXX. I paid the balance of $XXXX in full on XX/XX/2019. Since this point in time the company has sent the balance to their collections agency and I have been contacted twice. Both times I let them know I paid the balance and sent a copy of the charge on my credit card statement, and was told that was not enough proof for the company. I then contacted my credit card company and had them do a three way call directly to the company and they were told the charge for the exact balance was paid. They again asked for something in writing and I faxed this over to them. Since I have had no response. I then logged in to their online portal and can see the balance still shows as owed. I emailed them in via contact us/inquiry portion in their portal with proof again and still no response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-02-08
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I am writing this complaint in order to address a major issue I had with the US Bank. I fell victim to a scam after I had deposited a check and withdrew money orders which was initially cleared from the bank. It turned out the check was faulty and now the bank claims that I owe them the money I withdrew. 

My issue initially began on XX/XX/2017, when I took a trip to my local US Bank and was told that my account was frozen. The problem was a check I had recently deposited. 

Two weeks prior to this, I received a call from the number ( XXXX ) XXXX, claiming I had won a sweepstakes. The man on the other end had said that I had won {$850000.00} in cash and a XXXX XXXX valued at {$60000.00}. He had instructed me to wait for a check in the mail in order to claim my prize. A week later, I received a check of {$2700.00}, which I deposited to my US Bank account. 

After the deposit had cleared, I headed off to my local post office and purchased four money orders of {$500.00} each. I began to mail out the money orders to the respective sweepstake addresses needed to claim my prize. Two of them were mailed out to an XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, NC XXXX, and the other two were mailed to a XXXX XXXX at XXXX XXXX XXXX Wy, XXXX AL, XXXX. 

However after this was done I was told by the US Bank that the check had declined and that I owed them the {$2000.00} that I had previously withdrawn from the money orders. I attempted to call the original number again to fix this. However, I received no answer. I am extremely distraught by this issue and how the US Bank allowed me to send out money I did not have to a scam.

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 2021-07-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So I bought an item and paid through paypal family & friends. The seller is from XXXX so the money currency had to change so it was around XXXX euros. The seller said to have shipped it the same day I paid for it which was XX/XX/2019, but it has been a month since and I still have not received the package. I tried getting in contact with the seller through email provided on paypal, but it was invalid. I tried contacting them through the social media i found them on which was on twitter which it got suspended. Now i have no way in contacting them and cant get a refund. This seems to me as a scam, but before i paid the seller they provided me screenshots as proofs of other buyers who have bought to them, but when i looked back on our messages because their account was suspended the pictures have disappeared. I even tried contacting them about the iteme i bought before their account was suspended yet no messages. Their account seem to have been suspended recently..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is related to complaint XXXX that was listed as closed but is not closed. 

I spoke with a representative of XXXX XXXX to discuss that my PMI was not being removed. They very quickly stopped charging me PMI but the lady said i would be getting a refund of approx {$600.00}. I got a check directly from the mortgage insurance organization of {$270.00} but I have not received the rest. 

I have called the lady back several times and left voicemails and she is no longer returning my calls. I have been chasing up with her for over 2 months now to have no resolution.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: MN
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 am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my XXXX, Experian and XXXX XXXX credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.

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: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My estranged spouse unknowingly received a portion of the proceeds from selling our home during our divorce. Although the check was made out to both of us with an & only symbol. Wells Fargo allowed him to cash the check without my signature and have full access to all {$3500.00} of the funds. I have spent hours on the phone with the fraud department as well as been in touch with 2 local branches to help rectify the situation with a copy of the fraudulently endorsed check. While all agree that the check should have been refused, no one is willing to rectify the situation and I am told there is nothing that can be 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 2019-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I was attempting to login to my accounts and discovered both my business and personal accounts were locked out. I contacted the customer service number and was transferred to the account closure team who informed me that Bank Of America decided today that they would be ending the business relationship with me for no reason. 

I asked about the funds in my personal account and was told that they would not be releasing my funds to me. I want to make sure that my funds from my personal checking account are released immediately and I am paid interest for the days that I don't have my funds. 

Further legal action will take place if needed.

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 2021-01-29
Company: EQUIFAX, INC.
State: MN
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 am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my Equifax, XXXX  and XXXX XXXX credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: LA
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:
To whom it may concern. I work hard at clearing up my credit and making sure that my bills are paid on time to help boost my ratings however the three credit agencies makes it impossible for me. They are constantly decreasing my credit scores in when they should be increasing it. I recently paid off a car loan 3 months earlier than contract date. I just knew my score would increase instead they decrease it by XXXX. My finger hut account closed due to the company changes not anything to do with me. Account was current and the agencies decrease my account XXXXWhen i contacted both company 's they stated to me that the agencies are responsible for the decrease in my scores. I contacted the agencies and have not received any feedback and it's been 2mths already. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To whom it may concern, On XX/XX/2019 my wife wrote out check # XXXX to XXXX XXXX to the amount of {$850.00} to pay our mortgage. On the morning of XX/XX/2019 the check in a XXXX XXXX  envelope was put into our mailbox. At XXXX security footage shows the mailman ( not our normal Mailman ) picking up the mail. 
On XX/XX/XXXX we received a notice from XXXX XXXX  that we did not pay our mortgage that month. We had to go to the XXXX XXXX  and pay right away to avoid a late fee. At this point we just thought the check # XXXX was lost in the mail and would eventually show up at XXXX XXXX. 
On XX/XX/2019 we received an overdraft notice from our checking account bank XXXX XXXX. At this point we though the checking bank made a mistake for we had more than enough money to cover any checks that were written. When going into our account we found that someone had taken Check # XXXX that was sent to XXXX XXXX  was fraudulently altered and changed to someone calling himself XXXX XXXX for {$1900.00} which he or she deposited into a bank account # XXXX USAA FSB ( routing number XXXX ) by some kind of mobile device. At this point we had to put more money into our checking to avoid overdraft payments. 
We contacted the XXXX XXXX XXXX  and State police who are investigating this case. 
At this time we are notifying you so that you can investigate your end of this fraud forgery. 
Please investigate and send all findings to Tpr XXXX badge no. XXXX, at XXXX, Incident no. XXXX or you can send directly to me and I will forward to him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Concern : Approx. In XX/XX/, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. XXXX states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from the United States Bankruptcy Court stating that they DO NOT report any information to consumer agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies TransUnion and XXXX because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, XXXX is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 

Thank you for your help in this matter. 

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 2023-03-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$510.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$390.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX : {$420.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  7Bankruptcy Discharged XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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