BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
per complaint # XXXX, American Express has stated they have issued a credit of {$530.00}. This is incorrect. American Express only issued a credit of {$310.00} to our account and then refilled us for it in the next billing cycle. 

To begin, I filed complaint # XXXX with the CFPB and a similar complaint with the Attourney General of Texas. 

In response to the complaint filed with the CFPB, American Express stated they have credited my account in the amount of {$530.00}. I then received a letter from American Express on XXXX XXXX stating the following : " ... we have issued a permanent credit for the amount of {$310.00} ... that will appear on ( our ) upcoming statement '' They failed to credit the full {$530.00}. 

HERE 'S MORE FRAUD, on XX/XX/2021 I received a letter from American Express stating " We received notification that the charge ( of {$310.00} ) no longer concerns you. Since you no longer dispute the charge we have removed the previously issued credit ( s ) and rebelled your account for {$310.00} ... '' I NEVER GAVE ANY CORRESPONDENCE INDICATING THIS.

American Express is NOT refunding me the two charges per complaint XXXX. They responded to the CFPB that they have credited my the full amounts of {$310.00} and {$220.00} for a total of {$530.00}. 

THEY LIED. 

I am being defrauded. I have called over a dozen times and American Express will not resolve the issue. 

THEY LIED TO ME, MY WIFE AND THE CFPB. 

I believe this to be INTENTIONAL and PERVASIVE practices that DEFRAUDING CUSTOMERS AND CAUSING HARM. 

I would wager a bet that these are both criminal and civil in nature. I would also have a VERY strong inclination to believe that this could be large enough to constitute a class action lawsuit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: IL
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/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report.

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 2021-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX called us about two debit card transactions in the amount of {$820.00} and {$620.00} that we did not authorize. We called Bank of America about this fraud transactions. Afterwards, there were 3 ACH transactions from XXXX XXXX in the amount of {$970.00} each were withdrawn from our BOA checking account. We had to freeze our bank account to prevent further withdrawal of money. Weve been getting in touch with XXXX XXXX about this fraud and they sent us an email showing that the debit card transactions were declined. But the money was withdrawn from our bank account. BOA were able to prevent the ACH transactions from going through, but they refused to return the {$820.00} and {$620.00} debit card transactions to our bank account. We did not authorize this transaction. It was a fraudulent transaction.

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 2018-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I requested an investigation and the removal of the XXXX status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, i sent a requests to XXXX  and Transunion to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from XXXX stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling XXXX on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called Transunion on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into XXXX and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.

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 2020-07-08
Company: PNC Bank N.A.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I currently have a PNC checking account that went into the negative yesterday so I decided to try the instant XXXX dollar sites. " XXXX, XXXX, and XXXX are the sizes I tried. I make it all the way to where you link your account and it repeately says PNC has prevented your account from being linked to any 3rd party apps. I called PNC and was told the 3rd party apps that I'm using use the same security company which is doing updates but I'd be able to manually enter my account info and it would work. This is not the case. I don't have that option so now my account was hit with an additional XXXX dollars when I could of had this fixed last night if I was able to link my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15
Company: Machol & Johannes, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Malchol and Johanson LLC Filed papers at the courthouse in my county threatening to sue. This was for a credit card from about 7 years ago. I set up a payment plan and made the first payment of {$100.00}. However in order to send them another payment they were supposed to send me a receipt that reflected the amount I paid. After several attempts to get a receipt, they still have failed to do so. Now theyve threatened me with my account is in default. After several calls today, still no reply.,

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 2020-09-08
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Trans-union had a glitch in their system and they did not notify me any form of contact. The credit inquires needs to be removed from my report. Also, i see several inquires on my report for a car loan. I already had a car and never applied for any car loan last year. It shows I have XXXX inquires from a car application. Please advise.
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: U.S. BANCORP
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off our loan on a camper in XX/XX/2020. I have been calling US Bank about the title status/lien release since early XXXX. The lien release has never been received. Every time I call US Bank, they just keep telling me they will put in the request. Ive called no less than 12 times since early XXXX and keep getting the same run around. This lack of service is unacceptable.

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 2018-09-21
Company: SYNCHRONY FINANCIAL
State: IL
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/2018 I wrote to SYNCB/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote SYNCB/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.

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 2021-07-01
Company: Lending Club Corp
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During the week XXXX, Lending Club has called me 15 times. I guess they are calling me about an " alleged '' " debt ''. There is no law that actually says i have to pay any bill.

On the recorded line, the lady said that lending club was indeed a bank. According to my research, A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. According to 12 usc 1431, banks can not loan money or extend credit. Lending Club has violated my consumer rights on multiple occasions and I ask that you remove this account from my credit report. I didn't give any of the bureaus written consent to furnish a credit report on my behalf. That is also a violation of my consumer rights and federal law. Lending club is reporting an " alleged debt '' on my credit report which is a violation of 15 usc 1692b. Also, they called a phone number that's not even on the account. A number that i never personally gave to them. Which is identity theft because how did you even get that phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my wife ( XXXX XXXX ) and I purchased a couch for {$3000.00} from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. The payment terms were {$51.00} per month for 59 months and the remaining balance to be paid in month 60. For theXX/XX/XXXX bill due on XX/XX/XXXX the payment was processed onXX/XX/XXXX For theXX/XX/XXXX bill due XX/XX/XXXX, 2 payments of {$51.00} we made and processed by CapitalOne. An automatic payment was scheduled where CapitalOne was to receive payment by the XXXX of every month. 

My financial documentation shows all payments for fiscal year XXXX were paid by the XXXX of each month. Please find the attached proof of payment documentation provided by my financial institution XXXX. CapitalOne in a written letter to my wife and account holder, states the account ending in XXXX has been delinquent since XX/XX/XXXX I am not sure how CapitalOne defines delinquency, however, as stated earlier, the attached proof of payments disputes any delinquency. A final payment {$1400.00} was made on XX/XX/XXXXto pay off the original balance of {$3000.00}, 3 years 8 months after purchasing the coach and more than 1 year early from the original terms of the financing agreement. Since then Capital One has harassed my wife saying, we owe additional money due to late fees and interest fees. The attached documentation proves all payments were made on-time and no late fees or interest charges should have ever been assess to her account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Upon apply for capital one when I received the offer it said that I would receive rewards, when I applied and got approved after getting the card I realized it was a diff card than I thought I was getting and I called and No rewards for that card. That 's false advertising, I would like my complete debt to be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Moved out of Ohio in 2015. We paid all our utilities before we moved. 4 years later I see a debt on my credit report for XXXX XXXX XXXX. I never received any Bill 's or notices in the last 4 years about this bill. We paid everything before we moved. 
I do not owe this debt, and have disputed it already. But they refuse to remove 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 2023-06-13
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I live in a XXXX family home, since Ive been here Ive had problems with people stealing out of my mailbox, cards disappearing and more and in that time I had to get a police report. After that, I did apply for the usps ( inform me ) in which notifies me of mail. When that account with XXXX was open I had XXXX XXXX cable company and not XXXX. When I applied for XXXX After having XXXX XXXX. I was told that I already had an account with them. Which is false. Ive tried disputing it but recently they sold my information to another creditor which came back onto my credit report, that eventually affected my score making it drop once again when I was in the middle of trying to get a home loan for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2017, I sold Bitcoin for the amount of {$5900.00} to be paid by wire transfer to my bank account. It has been 55 days and after filing a ticket with their support team and multiple attempts to reach them for a resolution, there is no sign that this deposit is forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About ever six months Credence Resource Management LLC working for XXXX they keep calling my XXXX XXXX XXXX work phone try to collect a debt on another XXXX XXXX and I keep telling them it is not me and please take me off their call list. I give them my full name and last four of my ss #. But they will not give me any information because I am not the XXXX XXXX they are looking for! And every 6 months it starts over! this has been going on for about two years! The company name is Credence Resource Management LLC # XXXX

Company response to consumer: Closed with explanation