BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 I lost my American Express PrePaid debit card. I promptly ordered a replacement later that evening. While doing so, I became aware of 2 unauthorized charges that had taken place while my card was lost : XXXX XXXX XXXX {$2700.00} and XXXX for {$100.00}. I then Filed a dispute with the organization. I received a replacement card shortly afterwards and realized that the replacement card had the same # 's as the lost card. I called customer service and was told the representative that handled the call that evening made an error by marking my card " DAMAGED '' not " LOST ''. I ordered a second replacement card. I then received notification from American Express that my dispute was declined. The statement they used was " no error was found ''. I have since then made several attempts to resolve this issue. To no avail. I'm a XXXX XXXX XXXX XXXX American Veteran and deserve better treatment than this. Will you please help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
XXXX XXXX, I signed up for XXXX and immediately noticed credit inquiries on my report which I did not authorize. I called and spoke to a customer service rep and she stated I needed to reach out to the credit card company myself. Although I did n't agree, I did and XXXX stated the report would be sent to Transunion and check back in 10 business days. Now, four days ago, I received an alert from XXXX stating there was another credit inquiry for a mortgage. I called and spoke with a representative and stated I needed to call this company. I asked to speak to a manager, as I explained both times I was previously a casualty of identity fraud as a result of my car being stolen and all paperwork with ALL of my personal information stolen. I spoke with a manager, XXXX XXXX, and he stated they ca n't accept my " word of mouth '' ( XXXX P.A.  location ) I then asked about putting a fraud alert on my report to stop future inquiries and he stated it would n't guarantee future inquiries since its always my word against the companies. I want inquiries from my report removed immediately : XXXX Inquiry from XXXX XXXX, XXXX, XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX BELOW COMPLAINT I LEFT ON WEBSITE : XXXX/XXXX/XXXX I 've called and talked to 2 different CS reps about fraudulent inquiries on my credit report. I explained my identity had been stolen previously and I did not make these inquiries. Only to be told that my complaint is " word of mouth '' and the inquiries ca n't be removed without the consent of the company I never had any contact with. This company is an absolute joke and so is the CS rep XXXX XXXX in XXXX, P.A.

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 2019-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX to XXXX I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. XXXX XXXX have not responded to none of my validation letters or police report and federal trade commission report that was certified mailed to them. The notarized signatures that goes with Id theft claim to. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My credit score dropped from XXXX to XXXX from this XXXX XXXX account and XXXX XXXX, XXXX XXXX that was reported on XX/XX/2019. On the other hand, they did removed the XXXX XXXX and XXXX XXXX on XX/XX/2019 but did not replace my points back where it should be, XXXX or maybe above. I have a good credit report file and my credit score shouldn't drop tremendously like that. I am fighting so hard to keep my credit score and report on the positive side. I feel the consumers should have way better protection. My fraud Identity theft, is not taking into a removal or into consideration. Additional to that, Experian has not respectfully taken my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, Experian is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have removed the items off my credit report. XXXX Experian and the other credit bureaus on XX/XX/2019. I have communicated with Experian and XXXX XXXX multiple time in the past that I am a victim of Identity Theft and Experian and XXXX XXXX has not takem my case into consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am not a Member of USAA Federal Bank in XXXX XXXX TX. I don't have any accounts of any kind. They are sending me letters saying they don't have anything to add to my previous complaint. They have called wanted to discuss my complaint. I told them I don't have anything to say, my response was sent to CFPB. I have sent messages saying I don't want to be contacted..I don't have anything to say. They are sending me letters after asking them to stop. I have contacted my Attorney Generals Office and the FCC. Please ask them to stop contacting me. Now it's what I call harassment. There's no reason for them to contact me. Please help XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Experian Information Solutions Inc.
State: NJ
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 applied for a XXXX and was not instantly approved. I looked at my XXXX credit report to see why and noticed that my Husband 's card which he removed me from 5+ months ago was still reporting as currently and negatively impacted my score.

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 2021-02-24
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi i closed a checking and savings account XX/XX/2020 with citi bank, but today i am getting messages and phone calls that i have a savings account with XXXX $ balance open and being charged fees .... 

Please close this account and waive all fees

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 2022-02-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Care Credit used and accepted by healthcare providers and managed by Synchrony Bank let 's you pay for say tooth implant with interest free payments. They put you on a payment plan for 18 months that's interest free. You would assume that they put you on a plan that would pay off the debt in 18 months but that is not the case. At the end of 18 months you get hit with a huge interest payment. $ ( XXXX ) in my case because the total amount had not been paid off. However, they set up the payments so they put you on a plan that they know will not pay off a balance and then they don't alert you to the amount of interest you will be hit with when the " promotion '' wears off. This is particularly predatory because it is in every doctors office, dentist, dermatologist office and they are preying on people who are particularly vulnerable. 

I did not get a notification that the plan was about to end and I would face a huge interest rate payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: FIRST ADVANTAGE CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have not been convicted of any felonies and XXXX misdemeanor record has in accurate dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The car loan that I have is held by Exeter Finance LLC. I've had the loan for approximately 5 years. The loan was for XXXX as of today my balance is nearly XXXX. This is surely an illegal business operation. I have tried to contact upper management about current situation at hand. The vehicle is a XXXX XXXX XXXX purchased in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
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:
COLLECTION AGENCIES POSING AS MORTGAGE SERVICING COMPANIES XXXX XXXX XXXX, Community servicing, XXXX, XXXX THESE ARE NOT BANKS AND ALL OF THESE ENTITIES ARE MISREPRESENTING THEMSELVES THESE COMPANIES HAVE LAWSUITS SPS IS FALSELY CLAIMING THE COMPANIES PAID INSURANCE AND PROPERTY TAX THAT HAS NOT BEEN PAID LATE PAYMENTS ILLEGAL FORECLOSURE! Attached are public records of lawsuits! Please explain your lawsuits and payouts! These companies are not banks these companies are charged with mortgage abuse! PLEASE CONFIRM AND EXPLAIN THIS ABUSE! Lawsuits! Payouts! Public records on the internet just XXXX all of these companies to see report of LAWSUITS AGAINST FRAUD AND MORTGAGES ABUSE! Just XXXX IT SPS, XXXX, XXXX, XXXX and all affiliations! XXXX it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Genesys National Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
An agent called me last week, asking me to pay this debt in that right moment. I was trying to explain her that I dont have this amount available this day. Agent was not open to negotiate and begin to threath me telling me that we will meet at court on XX/XX/XXXX, I asked her to send me the notification by email to make proper arrangements at work and with a lawyer but she skipped to. She just continue threathing me, speaking outloud and never take time yo hear me. She used an innapropiate way and language

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: JAMES B. NUTTER & COMPANY
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This homeowner has had some issues with XXXX XXXX XXXX in reference to some home repairs that were to be done according to the homeowner the bank contracted their own contractor and paid them I have receipts. The homeowner is a XXXX and is devastated. Please help us to help the homeowner retain his home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a checking account with HSBC based on the promotion offer I received. hsbc.com/XXXX The promotion is {$370.00} bonus if 1. ) I open the account by XX/XX/2019, 2. ) Keep {$10000.00} for 30 calendar days, and 3. ) maintain the balance for 90 calendar days.

I even received a confirmation from HSBC online rep that I should receive the bonus. Attached in this complaint.

I deposited {$10000.00} on XX/XX/XXXX, and maintained it for beyond 90 days. I did not receive my bonus. Since I fulfilled all requirements, i called HSBC and asked about why I have not received my bonus, they told me ( according to their " investigation team '' ) that because I had an account with them for the past three years, therefore, I am not eligible for the bonus. I did not have an account with HSBC for the past three years. I asked the representative on the phone to provide me documentation to prove I had an account with HSBC, they gave me the run around and said I need to request it online.

I am filing this complaint because HSBC is deceptive in this marketing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
XXXX, XXXX XXXX and XXXX are reporting my Bank of American mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, Bank of America offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that Bank of America is in violation of the XXXX Mortgage XXXX XXXX while not not allow lenders to adversely report mortgages as negative while in forbearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, Im a coinbase user. Two months ago my account was locked and now I just see a message that say " your account is in revision ''. I have about XXXX which Im not able to withdraw from the account, neither buy or sell my virtual coins. I have sent many mails but they don't give me any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account on XX/XX/XXXX and was promised a {$250.00} bonus. I did the requirements and never received the bonus even though they said I would receive it. I emailed them multiple times and they just say " We 're escalating the situation. '' But nothing has happened. <P/><P/>Here are some of the messages : Subject : Re : Account questions or requests ( XXXX ) From : Customer Service Received Date : XX/XX/2017 Timestamp : XXXX Contact Us Dear XXXX XXXX : Thank you for replying to our recent email. My name is XXXX, and it is my pleasure to assist you today. <P/>I received your email regarding the {$250.00} promotion bonus offer. I certainly understand how important it is to have this information and I am happy to assist. <P/>XXXX XXXX, since the requirements and guidelines have been met to receive the promotional credit to your primary Wells Fargo account, the promotion bonus will post to your account within 45 days after requirements have been met. <P/>If you have additional questions or concerns, please respond to this email by clicking on the " Reply '' button or call us anytime at XXXX. <P/>On behalf of Wells Fargo, thank you for your business. We are happy to have you as our customer and appreciate the opportunity to assist you today. <P/>Sincerely, XXXX XXXX. 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 monetary relief
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: VA
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 was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.

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 2022-02-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Husband of XXXX years passed on XX/XX/XXXX and Webster Bank will not accept my Probate Degree Without a Proceeding in order to access the money in my late husbands checking and savings account. 

His estate was under $ XXXX so Probate issued a Decree without a Proceeding. Webster Bank wants an appointment letter. In order to get that, my attorney would need to open the open the claim and file a Small Claim which is not required otherwise. That would cost me $ XXXX which is more than the money combined in both accounts. XXXX had a will that left everything to me. I was an authorized signer on the checking account that was opened in early XXXX. I have full recollection of XXXX having me sign the papers. I have written and signed checks from time to time ever since the a account was open. Webster claims I am not listed as a signer. 

Can you help me access the money and close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went through my chase bank statement today and i noticed there were monthly charges from XXXX XXXX XXXX of {$9.00}. It was an unauthorized purchases that i never ordered from, the only purchase i did was for XXXX XXXX subscription. Charges were made from XXXX to going back XXXX. The bank was only able to disbute it for up to 60 days and XXXX refuses to refund me all those months from the start. Its a total of {$89.00} ; {$9.00} times 9 months. What can i do about it??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29
Company: Midwest Recovery Systems
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/17 I received a new account notification from XXXX XXXX. I found that it was from Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX for the amount of {$1500.00}. Says that it is from XXXX XXXX XXXX XXXX. It does not have a date listed on it as to when the " loan '' was taken out. I have no idea what this is regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We receive foreclosure documents from XXXX and their attorney XXXX XXXX  XXXX again on XX/XX/. This happened 16 months ago. We sent them a letter and documentation stating that they did not have the rights to the property could not to foreclosure on it. We also stated that the loan was satisfied. Now again they have a sell-for date for XX/XX/. This came completely out of the blue and with no communication ( other than that letter ) for 16 months. We believe this foreclosure is illegal for two reasons. 
This long loan was satisfied years ago. We continue to pay on the loan even after it was satisfying because we were not informed that it was. Would like to know where those payments went. 
We also believe that they don't have the legal right to foreclose the loan because of improper paperwork. They discount these facts as a red herring or us trying to just cause problems with the loan but we believe rule of law is important and proper documentation is crucial and these matters. We believe that because they are not the proper servicing agent is the reason it has been so hard to get verification and documentation. When we do receive documentation sometimes it's different from what they sent the time before and sometimes it's different from what was recorded with the county. 
We feel that there have been strange things going with This file. Every time we ask for clarification we have been sent to or contacted by departments that the regular departments could not identify. To use an old adage we feel we are being railroaded mainly by Chase as the server of the loan. 
We are afraid of losing our home and all the equity in it. We believe that the loan was satisfied essentially twice. 
We demand that this foreclosure be stoped and this loan reconveyed now. 

XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Personal information incorrect

Complaint:
This consumer reporting agency has the audacity to profit from my personal information. But not correct it after Ive repeatedly sent letters and copies of my ID and proof of mailing address to correct it. 
For the last time, my name is XXXX XXXX XXXX. Not XXXX XXXX XXXX. Please correct my personal information before I I sue you for defamation of character.

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