BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have an American Express Hilton HHonors Card since XXXX, 2017. On XXXX, I add XXXX authorized cards for my family through XXXX spending offer for adding authorized cards. The offer was " add an authorized for XXXX Hilton HHonors Credit Card, and spend {$500.00} in three months, receive XXXX Hilton Honors, up to 4 additional cards, up to XXXX bonus ''. After we received these four cards, I activated them through Online Chat with the help of one specialist. And in the next one month, we finished all the spending request on these four cards. We should received XXXX Hilton HHonors. But we only received one XXXX points on XXXX XXXX. I tried to chat with one specialist, he said I need to wait for 6 weeks. 6 weeks later, still not the left XXXX bonus. I online chatted again, and someone help to submit a investigation on my points and said it would be top priority and will finish in days. About one week later, I connect XXXX through online chat again, and this time the SP said there will be not XXXX points for me because the left 3 authorized were closed by XXXX. How would that be? I applied through XXXX authorized card offer and activated them by the help of XXXX and finished all the spending request. But only give me one bonus, and then closed the other three ( Before XXXX closed them, we already finished the spending request ), I also connect them several times, and did n't help me solved the problem. Lied to me, did n't give me the other XXXX HHonors and even closed these three accounts! How can I trust XXXX next time I need to open authorized cards for my family?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have attached my call logs from my cell phone from the last few months. I blocked one number so they started to use another. I have asked them to stop calling. I asked over the phone AND I mailed a letter to their office. Below each number is a list of the dates they called me XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once inXX/XX/XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once There is more seen in the call records for that number but I think those are sufficient for you to see the harassment from the one number alone The second number they started to use after I asked them to stop calling and blocked the first number is XXXX XX/XX/XXXX, so far once but its in the early afternoon so who knows if they will call again XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once I have now blocked this second number as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My mortgage servicer, XXXX XXXX XXXX, XXXX, has been intentionally and constructively harming me by reporting maintaining that my loan is in a default status and has been late for seven months ( in addition to the late payments reported when XXXX came on as my servicer in XXXX XXXX and immediately put me into default, whilst in a long term forbearance agreement due to a Hurricane litigation case with my my homeowner 's ). All attached documentation represents a clear and necessary forbearance agreement. I entered into a forbearance agreement with my servicer, as I was legally defending them in Hurricane XXXX litigation with my homeowner 's insurer, XXXX, because XXXX was heavily blaming the servicer for the damages on my property. In exchange for forbearance, the servicer at the time, XXXX, promised forbearance and credit suppression UNTIL THE LITIGATION WAS COMPLETED. We settled with XXXX in XXXX XXXX. XXXX inherited this agreement and never honored it, contrastly, they intentionally created and maintained a default status for my loan by shifting amounts into the time period that our forbearance agreement ended XXXX XXXX XXXX XXXX for their own nefarious purposes. This is NOT accurate reporting. XXXX however, accurately came to the determination that my account is 0 days past due and is paid as agreed. 
In addition to the inaccuracies that exist on my payment history, XXXX is also misrepresenting the payment amount that is due, as well as the statement that we had entered into an agreement to pay less. Please produce this document. I have requested a copy of such an agreement and have yet to received anything of the sort. In fact, XXXX has refused for over a year now to even explain the charges, internal codes or abbreviations listed on the accounting on my loan that XXXX repeatedly sends to me XXXX after promising to due so ), so it is impossible for me to make a knowledgeable and comprehensive determination as to what values are good and which are valid ; Therefore, any amount listed and reported on any credit bureau as the true and correct balance is a completely untruthful number because my account is laden with fraudulent charges. These adjustments that are being completely refused and ignored by XXXX and their representatives.

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 2017-10-29
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
I sent dispute letters out on in XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account I am inquiring about I asked them to validate not verify this account. The company keeps sending me letters saying the account is verified, but did not validate as in showing any signature 's to show me this account is mine. Also calling the company asking them to validate not verify they never have me validation of this particular account. I asked numerous amount of times can you please validate out delete within the 30 day period, and the company keeps saying my account is verified. I asked for the name of the person verifying this account and information used to verify this account and they denied giving me the information, and I have rights as a consumer to know this information. They sent me a letter saying I can not dispute the account in question anymore. As a consumer I have the right to dispute, and ask about an account on 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 2021-05-12
Company: U.S. BANCORP
State: RI
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:
Dear XXXX XXXX ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.

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 2017-10-29
Company: EQUIFAX, INC.
State: MO
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:
I send Equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters that have been ignored the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following accounts. 1. XXXX 2.XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6.XXXX Also a few inquiries that I did not authorize. 1. XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX/XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX. I contacted the original creditor as  suggested and have disputed these items but XXXX is still reporting these unproven to be authorized alleged inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Shellpoint in XXXX XXXX. I am unable to refinance my home due to a mortgage gap Shellpoint has created by not properly reporting the payment history from when Shellpoint began servicing the loan. Shellpoint began servicing my loan on XXXX/XXXX/XXXX and I was notified XXXX that my loan would be transferred from XXXX XXXX XXXX. When I checked my credit report recently, I saw that Shellpoint was quoting $ XXXX past due entirely inaccurate. I called Shellpoint starting in XXXX XXXX and ascertained that the payment history from previous loan servicer, XXXX XXXX XXXX, was not reported accurately. I faxed over a ledger of detailed payment history from XXXX XXXX XXXX for years XXXX, demonstrating accurate and timely payment history. The representative said she would escalate to a department that handles that and would get back to me within a week. After about 10 days, she reported that the department she escalated to was not the right department and did not have an update for me yet. I faxed over additional information from my bank demonstrating that payments for XXXX were delivered and cashed by former servicer and should be acknowledged by Shellpoint. Moving into XXXX and, I had three phone calls with XXXX, the representative, and two phone calls with her supervisor. I was told that I would have a detailed ledger showing updated payment history and new past due amount. That ledger was still in accurate and not showing all payments made to prior servicer. On XXXX XXXX, XXXX, I faxed over copies of previous servicer 's statements from XXXX and XXXX, demonstrating the mortgage payment amounts ( {$3600.00} and {$3600.00} XXXX because the representative said their accounting department thought my mortgage payment to prior servicer was the same amount as Shellpoint 's {$4000.00}. 
It is now XXXX and I 'm out of bankruptcy. Even with a XXXX XXXX XXXX XXXX XXXX showing a past due amount to Shellpoint claimed and paid, I have yet to receive an accurate accounting of my payment history. Additionally, Ive made two mortgage payments recently and received no receipt of payment, no statement, and no updates to my online account. 
And finally, although I am eligible for an XXXX XXXX, without an accurate accounting of my mortgage history, I can not access the refinance option provided by XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Complaint : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b.

TransUnion must remove all information reporting from and relating to XXXX XXXX ( Original Creditor 10 XXXX XXXX ) including third party debt collection accounts associated with XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) : Account # : 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 2021-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Request to reopen CFPB case # : XXXX ACCOUNT NUMBER : XXXX To : Chase Credit Card Dispute Team XXXX Fax XXXX XXXX & Chase Dispute escalation team - Fax XXXX Chase Claim # - XXXX, Chase Reference # : XXXX I disputing about the Chase claiming that Chase has transferred the {$5000.00} to XXXX XXXX  XXXX XX/XX/XXXX, and to the designated intended merchant XXXXLawoffice. This is not a billing error, it is about money transfer is lost, both the merchants bank - XXXX bank and the merchant declared that they never received the {$5000.00}. ( as shown by the attached letter from merchant is included below ). 
Therefore, I want the re-bill to be cancelled or undone, and the dispute case to be re-opened I request that the {$5000.00} be recalled back to Chase from whoever/wherever Chase has sent to? 
So that the {$5000.00} to be credited back to my credit card account. While both Chase and XXXX together needs to reconcile the loss of the {$5000.00} transfer. The {$5000.00} charge on my credit card to be on hold while this is being reconciled and do not close the dispute case. 

XXXX XXXX XXXX XXXX XXXX : XXXX _____________________________________________________________________ Email from merchant : XXXX XXXX XXXX XX/XX/2021, XXXX XXXX Dear XXXX, The {$5000.00} that Chase claimed XXXXhat Chase has transferred out on XX/XX/XXXX to my merchants bank XXXX has never received, so I never received the {$5000.00} payment, as this has been mis-directed. 

It also does not make sense that Chase would send it to some 3rd party processing agent when XXXX itself is a processing agent. Chase should have sent the funds directly to XXXX, not some other intermediary processing agent. I think Chase sent the funds to the wrong place. 

XXXX tells me that Chase should be able to escalate this to a higher level and recall the {$5000.00} that never transferred properly to me, the merchant via my merchants bank XXXX. 


XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no clue what this debt is pertaining. I have tried to validate this debt with the address contained on my credit report as well as looking up the company on XXXX. Both letters sent to the address were returned to me. Whatever this collection might be, it seems like it's past the 7 year reporting timeframe. The credit bureaus, also did not assist me in rectifying this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Westlake Services, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In early XX/XX/2020 I purchased a use auto from XXXX 's XXXX in Washington State. At the time of purchased I was given paper work of my loans amounts and interest rate. After I left the lot with my new car, I received a call a couple of days later informing me of changes to my loan. The Financing Company is Westlake Financial, my interest rate and loan payment were higher than what I understood it to be. I did discuss my concerns with the dealer about my rates, I feel I was deceived and misled into a purchase without full disclosure of the rate I would ultimately would have. I was badly in need of a car, the dealer knew that and I feel they took advantage of my circumstances. I tried to call them to discuss the rate and request a lower rate they said there was nothing they could do, they said I could not bring the car back.

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 2021-01-23
Company: NRA Group, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Below email arrived in my email box. I don't own any money to the company, never did business with the company!! I don't know who they are and there is no phone number to call, only XXXX email address!!! 



Debt Collection Agency XXXX To : Debt Collection Agency Bcc : XXXX Thu, XX/XX/XXXX at XXXX XXXX  NOTICE OF WAGE GARNISHMENT from District Court Case File : XXXX Notice Issued On : XXXX XXXX, 2021 Amount Outstanding : {$1000.00} ( higher than actual amount owed ) Dear Debtor, This is our official notice to you regarding the due payment with XXXX XXXX XXXX.You have defaulted to pay the dues. 

TO THE GARNISHEE : The creditor has obtained a court order against the debtor.The creditor claims that you owe or will owe the debtor a debt in the form of wages, salary, pension payments, rent, annuity or other debt that you pay out in a lump-sum, periodically or by instalments ( A debt to the debtor includes both a debt payable to the debtor alone and a joint debt payable to the debtor and one or more co-owners ) YOU ARE REQUIRED TO PAY for Small Claims to Collection Agency ( a ) All debts now payable by you to the debtor within 7 days after this notice is served on you ; and ( b ) All debts that become payable by you to the debtor after this notice is served on you and within 30 days after this notice is issued within 7 days after they become payable. 
The total amount of all your payments to the clerk is not to exceed $ XXXX.THIS NOTICE IS LEGALLY BINDING ON YOU until it expires or is changed, renewed, terminated or satisfied.If you do not pay the total amount or such lesser amount as you are liable to pay, You must serve a Garnishees Statement ( Form 20F ) on the creditor and debtor and file it with the collection Agency within 10 days after this notice is served on you. 
If we do not receive the payment in full by XX/XX/2021 ( deadline ), We will have to do whatever we can under the law to recover our money with accumulated interest from you that includes, but does not limit to legal proceedings against you, not to mention the legal expenses shall also be borne by you. 
We are open to discussion until XX/XX/2021 but after this date, We will have no other option to go with the legal proceedings. 
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench by jury then you have to bear a lawsuit, which will be amounting to {$2100.00} and we are sending you this notice to let you know what we have done in response to the garnishment order.You can contact your creditor for the settlement amount. 
Please reach out to us immediately if you would like to set up a repayment plan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have file a dispute with Equifax for over a year to remove XXXX XXXX from my credit report. Equifax remove XXXX XXXX but added it back. I have been disputing ever since. XXXX and XXXX have both removed XXXX XXXX from my credit report. XXXX XXXX no longer have the account. It is not fait ti me for them to continue reporting an account they no longer have. I tried contacting them to settle the collection and they did not have the account anymore. Please remove this account from my credit report.

Company response to consumer: Closed with explanation