BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: Synovus Bank
State: PA
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:
First Progress Card did not give me a provisional credit for a dispute that I filed on XX/XX/2020. Violation of Regulation e. The case ID number is XXXX, I still have not received my item from merchant XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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:
There are several incorrect collection agency derogatory referrals to my credit profile that have the effect of significantly reducing my credit score and how prospective lenders assess my creditworthiness. These collection agency referrals are completely unknown to me. I had never received any statement, notice or other documentation in explanation of the referrals. Further, I contacted each of collection agencies as well as Experian demanding a full explanation of the legitimacy of the referral or to have the items removed from my credit profile. This included two letters to Experien, dated XX/XX/2020 and again on XX/XX/2020 requesting an investigation into the collection agency referrals, that I had written to the collection agencies with no response from them and to either justify the referrals or remove the items from my credit profile - and to reissue a corrected credit report. As of this writing there has been no evidence of any investigation, no proof of the legitimacy of the entries - all to the detriment of my credit profile and 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 2018-12-10
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Gurstel Law Firm began threatening litigation with intimidation tactics. They are acting as predatory vultures ; these tactics are event of standard modus of operandi aggressively ligating citizens, veterans, and seniors. 1. My identity was stolen verified and confirmed from several institutions. 2. Use of intimidation when they came to my house. 3. Im a veteran of the United States XXXX, I will not be threatened or intimidated. 4. Extortion threatening litigation with examples of their known tactics using the court system! Several class action lawsuits have been filed, settled or pending against Gerstel Law firm. See below examples of a history of aggression against litigants and veterans : XXXX v. GURSTEL CHARGO, PA A district court is required to consider four factors in making a final determination that a settlement is fair, reasonable, and adequate : ( 1 ) the merits of the plaintiff 's case, weighed against the terms of the settlement ; ( 2 ) the defendant 's financial condition ; ( 3 ) the complexity and expense of further litigation ; and ( 4 ) the amount of opposition to the settlement. In re XXXX XXXX. XXXX. Cost Recovery Fees Litig., XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). A court may also consider procedural fairness to ensure the settlement is " not the product of fraud or collusion. '' Gurstel Law Firm , P.C . and XXXX XXXX I, XXXX are the defendants in a proposed class action accusing the XXXX defendants of unlawful debt collection practices. Federal lawsuit alleges that collection law firm Gurstel Chargo told XXXX veteran that he should have died. By XXXX XXXX on XX/XX/XXXX A Minnesota-based collection law firm, Gurstel Chargo, is in the news after allegedly making some incredibly insensitive and offensive remarks to XXXX XXXX, a XXXX military veteran. According to a lawsuit filed in U.S. District Court in Arizona, Gurstel Chargo garnished the bank account of XXXX wife. The lawsuit alleges that the garnishment froze the veterans benefits that XXXX wife received as a result of XXXX XXXX, which a judge later ruled were exempt from Gurstels garnishment. But according to the lawsuit, when XXXX called Gurstel to get the money back, an unidentified legal assistant allegedly told him that he would have to sue in order to get the funds back. When XXXX tried to explain that the funds were exempt veteran XXXX payments, the lawsuit alleges that the legal assistant told him F you! Pay us your money! You cant afford an attorney. You owe us. I hope your wife divorces youre a. If you would have served our country better you would not be a XXXX veteran living off social security while the rest of us honest Americans work our a- off. Too bad ; you should have died!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The following is in response to reference # XXXX/XXXX. Mr. Cooper responded to the question of tax payments being sent to the taxing authority agencies. After significant research, phone calls and past documents we have structured this response : by the statements provided by Mr. Cooper ; the question of the tax deferral XXXX was stated to have been in place since XX/XX/XXXX. The deferral has been in place much longer than this date, we purchased the home in XX/XX/XXXX and proof of XXXX was provided in person by visiting the XXXX County Appraisal District ( HCAD ). This is beside the point but it must be pointed out that this information is incorrect. In addition, the deferral has been in place but did not become a point of collection activity until the loan was modified. By Mr. Cooper admission, part of the modification of a loan is to pay pass taxes. Did this servicing unit over-look those with a XXXX deferral in place? We do not believe Mr. Cooper has a policies in place to address an exception for homeowners/consumers with XXXX deferrals and exemptions. Further, these taxes were placed in escrow resulting in a minus {$28000.00}. This will ultimately result in higher payments. Although Mr. Cooper 's information on how tax deferrals work was given in their response, this information has been known since obtaining a deferral 12 years ago ; the taxes are only a deferral and must be paid after my death or the sale of our home. Please provided information that is unknown. Why were payments sent out to pay taxes in the year XX/XX/XXXX?  This home was purchased in XX/XX/XXXX??? The statement from Mr. Cooper suggest there is no refund to be requested because the taxes are actually owed, is this what is being used to support your error, why wasn't this an issue before now? This did not become an issue until the loan was modified. Otherwise, taxes dating back to XX/XX/XXXX would have been place in escrow or not, please explain your position and the policy you have in place to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: National Credit Adjusters, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  ORIGINAL CREDITOR SOLD MY DEBT TO XXXX, WHO PREVIOUSLY REPORTED ONTO MY CREDIT AND WAS DELETED - THEN XXXX SENT IT TO A SECOND COLLECTION AGENCY NOW NCA NATIONAL CREDIT ADJUSTERS WHO HAVE REPORTED THIS FOR A SECOND TIME ON MY REPORT I ADVISED THEM THEY ARE VIOLATING FDCPA AND IT NEEDS TO BE REMOVED SHE ADVISED TO ME THAT " IT WAS SOLD TO THEM SO THEY CAN REPORT IT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner CO is attempting to collect on a debt that is not mine, for XXXX XXXX. I have never had XXXX XXXX. I have never received any notices from either of them. I noticed this collection on my credit file. Caine & Weiner is in violation of my 30 day right to dispute, as I have never received any notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed a dispute through XXXX Credit Company. The company, Portfolio have not replied. This company is working for XXXX XXXX. While I wait for them, the wrong information they put on my file is still in my file. 

I also have inquires in my account that I will imagine is related to this people. 

I have two credit inquires that they need to take out of my account. I am a victim of credit card fraud. I have also filed an FTC report. 

Just wondering what gave this people permission to put this false information in my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, someone hacked into my XXXX account and made a purchase for {$220.00}. This purchase was paid for with a {$99.00} merchandise credit and {$120.00} billed to my card. Capital one immediately refunded me the {$120.00}. XXXX eventually credited me back {$110.00} in two separate amounts of {$57.00} which was the equivalent of the {$99.00} plus tax and shipping. Capital one rebilled these two credits to my account thinking they were owed to them as part of {$120.00} they had credited to me. I immediately contacted capital one to inform them that they were not correct and that this was a refund from the merchant for a previously returned merchandise. They asked for me to send documentation in XX/XX/XXXX which I did. I sent communication from the merchant to verify the validity of my refund. On XX/XX/XXXX, capital one did a transaction re-bill of the amounts {$57.00} x 2. They did not Notify me of this. I have contacted Capital One and have not been offered a refund of the error they are making.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I've applied for a XXXX XXXX American Express card and my company has over {$1.00} million in annual revenues and my annual income is over $ XXXX. I've applied twice and both times I've been declined and when I request to see the details related to the declination all I receive is the message below. My applications were over 2 weeks apart so I find it untruthful that their systems have been updating for over 2 weeks. I've tried back after 24, 48 and 72 hours and I still receive the same message so the basically decline my application and do not provide the reason why. 

" We're Sorry Our systems are currently updating ; please check back on this site in 24 hours. Sometimes, clicking on one of the navigational links can resolve the problem. If this doesnt work, please try again later. Or, if you would prefer immediate assistance, you can call us at XXXX ( Mon-Fri XXXX XXXX XXXX 

For card applications, click here for some of most frequently asked questions. 
For American Express XXXX XXXX click here for some of most frequently asked questions. 
For American Express XXXX XXXX, click here for some of most frequently asked questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Other problem getting your report or credit score

Complaint:
I've tried to get access to my account on my.equifax.com several times today and each time they only get me to reset the password and I am unable to ever login into my account. 

I've contacted the company representatives three times today XXXX and on the first two times, the reps said they would transfer me to the tech support, but we never reach the tech support department. 

On the third try, the rep tried to get us to reset the password and also got the same result being unable to login into my account. 

We keep getting the message, " We are temporarily unable to complete this request. '' I asked the rep to see if there was anything that was incorrect on our account or profile, but each time, we get this message. We try on different browsers too and still get the same message. XXXX XXXX, XXXX XXXX, XXXX XXXX. 

We tried this a couple of times around a month ago too with same exact result. No one is able to provide a solution to determine the reason or cause for being unable to login into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an unsolicited debit card in the mail XX/XX/2021 from " XXXX by XXXX '' and there is no way to reach a person from any of their customer service numbers to cancel the card. All options seem to just lead to activating the card, which I do not want '' This is the address on the Letter Head for the card : XXXX  by XXXX XXXX XXXX XXXX XXXX, TX customer service phone : 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 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
It has been long over time due with this on going investigation and your company havent fixed the inaccurate erroneous items that was placed on my report. As of today I was laid off of my job due to a credit decision after a meeting of a yearly evaluation. My boss gave me more than 6 months to fix this situation but in your end you didnt fix the errors so therefore I am not employed at this current moment. My job consists of good history and a probation period which we as employees must meet the criteria and agenda for this job. I decided to file a lawsuit and take legal actions for the damage you have cost me. I have file an FTC complaint and the number is XXXX. We are schedule for litigation and a hearing in XXXX. I have filed a lawsuit against your company for the apparent reasons of violating my rights as a consumer which your company allowed identity thefts to misuse my credit file. I asked more than 6 months ago to prove to me and show me that the inaccurate erroneous accounts and inquiries belong to me and I havent heard from you since. I have filed several internal disputes and at this point Id rather take it to court. This assures me that this situation will be seen by a judge in a court of law where I will receive justice. You violating the FCRA sections 609 represents how poor of a company you guys are and how you maintain false information and placed erroneous information onto consumers credit profile which by the law is a major problem. I have all rights as a consumer to dispute and I am aware of every law and sections that youve violated in the FCRA. The account that is reporting as erroneous information is as followed : A - 1. XXXX XXXX XXXX XXXX B -Inquiries : 1. XXXX XXXX 2. XXXX/XXXXr 3. 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 2017-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have expressed my concerns with Capital One regarding my second credit card which ends in XXXX I have had 3 executive office representative have the same answer but there is no resolution. I was denied a credit increase from Capital One a couple of months ago. They stated the reason for this denial was that my payment was returned. I have made my payments on time to Capital One for years!!! I only wanted the {$250.00} increase on the first card. I was encouraged to apply for a second card by a Capital One representative. I was approved but the interest rate is 24.99 % which is absolutely too high of a percentage. 

I have expressed to Capital One that I only wanted the increase from the first card. I have a good payment history and should have not been denied the credit increase. I now have another credit card in which I really did not want the extra debt! The fees are extremely expensive and told Capital One that I think that this was a ploy to give me another card so that I could owe Capital One more money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
As of XX/XX/2018, as I was checking my credit report and noticed I have a thin record. Shows my credit score is low and a description of " Having less than XXXX accounts can make you look riskier ''. Recommends which credit card to apply for and then when I went to just to apply for XXXX of the cards. My result was denied. I feel as though it was falsely advertised and now my credit score went a few XXXX   down. Even if the bottom says its from a XXXX party. Experian is still partially responsible for the advertisement.

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 2022-08-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I was scammed out of a puppy. I had sent the money for the puppy through Huntington Banks XXXX as then it was recorded and not just cash. I did not get a puppy and I want the {$550.00} back. Huntington refused the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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: Account status incorrect

Complaint:
To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.

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: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
When using the app XX/XX/2020 I was preparing to send a payment to an individual. They requested it from me for services. This was prior to the service starting. I was being nice in sending the money prior to the start. The person in question ran off with my money. Blocked my communication and refused to send the funds back. I tried to cancel the payment less than 30 minutes prior to sending the funds. But there was no option to cancel the payment. No option to do anything. ( except ask for a " refund '' of the payment ) I could not even find any useful documentation on contacting cashapp to resolve my issue. So I requested a refund from the individual, sent an email to the company, and have tried to do everything to get this resolved without any communication from either party. 

Beware when sending funds on cashapp because there is ZERO options to cancel the payment, freeze funds, or report an individual. This is a scammers haven and this person has knowingly stolen from at least 3 other individuals ( see attached ) If you make a mistake then that person that just got your funds is very lucky. Because there is nothing you can do, and customer service is a non-existent thing with this terrible company. 

CashAPP, Currently this is an easy way for scammers to take advantage of people online. BEWARE BEWARE BEWARE!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 explanation