BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: PREFERRED CREDIT INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, PREFERRED CR that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Was a customer of Simple Bank. Parent company, BBVA, transitioned Simple Bank out and made Simple customers BBVA customers. Have not been able to access funds via mobile/online banking since XX/XX/2021 because I have not been able to enroll in online banking or speak with a representative over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
When I signed up for the Capital One secured card 2 years ago, I was promised a returned deposit as well as being upgraded to an unsecured card after the first year. After the first year I contacted the company to ask about both and was told that I could not be upgraded and was given no reason why only that they do monthly reviews. I was also declined my deposit, now that this is my second year with the company and my credit score is very good, I am being told now that the no loner offer the promotion and that they are trying to fix some issue with it and I have still not received my deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I got a {$1100.00} on my paypal account. But paypal does not allow me to add banks to transfer it or mail it to my address. 

When I tried to add my bank account, it asks me to contact the customer representatives who can do nothing. 

When I tried to mail a check. It says " There's a problem with your address. Please check it and try again. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Apple Card was merged with my wife 's Apple Card thereby increasing our combined credit limit to {$12000.00}. This was done three weeks ago and the prompts from the phone said that it would be done in a few hours. Both accounts were finally merged on the XXXX XX/XX/XXXX but the available credit is inaccurate. It reads that the credit available is {$2.00}. The credit balance is XXXX. By my estimates, available credit should be {$1100.00}. I have reached out to Goldman Sachs numerous times to correct this over the past three weeks and they have not - closing out my complaints with no response. My other issue is that I had my Apple Card in my wallet on my XXXX and since the merger I have not been able to re-add my Apple Card to my wallet in my XXXX. I have also mentioned this in the complaint and again, Apple Card Goldman Sachs have closed out my complaint with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I applied for and was approved for a balance transfer offer through XXXX. I requested to transfer the entire amount of my current American Express card balance in the amount of {$1200.00}. I received the card in the mail and set up my online account, and saw the correct balance reflected on my card on XX/XX/XXXX. However, I also checked my American Express card and noticed that the balance was not paid off. I spoke with American Express and was told that they had not yet received the payment from XXXX. According to them, the account number that was provided for the American Express account was not mine. I do not know how this could be, as I only hold 1 American Express credit card. I spoke with customer service representatives from XXXX multiple times over the last month, and this issue has still not been resolved. The first person that I spoke with told me that an investigation would take 14 days. When I spoke with XXXX on Monday, the representative told me that it could take a maximum of 90 days. In the meantime, I am currently expected to pay both American Express and my current XXXX card ( including the balance transfer fee ) which both hold the same funds from my transfer. On XX/XX/XXXX, I spoke with XXXX executives and they did a three-way call with American Express. American Express was able to locate the correct account so that the funds could be routed. I was told this would take 24-48 hours. It is now XX/XX/XXXX and the money has still not been paid to American Express. XXXX has now closed the case on their end and I am now waiting for American Express to correctly pay off my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: I.C. System, Inc.
State: NC
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer must not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account as open-ended consumer credit plan as late for any purpose.

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 2018-05-19
Company: RELIANCE FIRST CAPITAL LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process of a debt consolidation refinancing in XX/XX/XXXX. All forms were submitted and approved. I was sent the application to sign that would allow the appraisal and closing process to begin. Once I signed and submitted the paperwork the loan officer NMLS # XXXX did not return phone calls nor did his manager. Once I did receive a call back. I was told the application documents are computer generated and I was not approved based off income. When he verified income to produced application for signature. Then I was sent a letter stating that I indicated I no longer wish to proceed. A lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: UT
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:
ACTS : On XX/XX/2019 I approached the XXXX XXXX dealership located in the State of Utah with the intention of quoting the purchase of a vehicle, when checking my credit I find that the history records a negative report for a debt with XXXX XXXX XXXX XXXX to account number XXXX, this information does not belong to me considering that I do not have or have had any commercial relationship with this financial entity. 

TAKEN ACTIONS : 1. On XX/XX/2019 I sent email to XXXX, XXXX, XXXX emails which appear as a contact with XXXX XXXX XXXX, exposing my situation and requesting a solution Of which I did not receive an answer, I again sent another email to the same recipients requesting attention to my requirement on XX/XX/2019 but to date I still do not receive any response or solution. 

2. On XX/XX/2019 I contacted the XXXX XXXX XXXX customer service line ( XXXX ) where I filed my complaint, they reviewed the customer database and informed me that my insurance number Social or my date of birth are not linked to an existing account, but they gave me no solution. 

3. Settle a dispute before Experian, who answered me on XX/XX/2019 according to report number XXXX, where they report " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. " 4. On XX/XX/2019 I repeatedly contacted the XXXX XXXX XXXX customer service line (  XXXX ) where after so much insistence they provided me with another contact number ( XXXX ) where they could give me a solution, after commenting my case to several officials, they informed me that I should send a fax to the number XXXX and an email with the credit report showing the negative report of XXXX XXXX XXXX at addresses XXXX and XXXX, after sending them they informed me that I should contact them later on XX/XX/2019 to confirm that they had received the fax and email. 

5. On XX/XX/2019 I contacted the number XXXX where I should confirm that they had received the Fax and email, but after 2 calls of more than 10 minutes each I did not receive any information and they cut me off the call. 

On my part I have tried to solve directly with XXXX XXXX XXXX but I have not received the necessary attention and I also tried to solve it with Experian but on the contrary they confirmed the negative report even though the debt is associated with a different social security and date of birth to mine. 

I am currently suffering damages due to an erroneous report on my credit, without receiving the necessary attention and a timely solution.

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 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2919 a fraudulent application was submitted for a XX/XX/XXXX-XX/XX/XXXX XXXX store credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. 

Initially when contacting the XXXX XXXX XXXX in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days. 

On XX/XX/2019 I made a 2nd call to the XXXX XXXX XXXX, and I was informed it would be removed in an additional 45-days. 

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days. 

On XX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail. 

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.

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 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
I want to dispute several charges. I call the main line and talked with XXXX on XX/XX/2023. She said she would transfer me to the dispute department. I was on hold for more than 10 minutes. I hung up and spoke with XXXX. He also did not transfer me to the dispute department. I asked him for the phone number and/or address for the department so I can send in my disputes by letter, he said he doesn't know that information. 
I then asked for his supervisor, he said the supervisor is busy and would call me back. He did not specify a time when the supervisor would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Business Information Name : Wells Fargo XXXX XXXX XXXX XXXX : XXXX , Fl Zip/Postal Code:XXXX Issues/Description of Complaint : In XX/XX/2018, two checks were cashed on my account in XXXX, Florida. I am a resident of Nc. The checks were cashed for the full amount on 2 days back to back. The checks were from a XXXX account that did not exist. The only form of ID requested was my account number. The amount of the 2 checks was over XXXX. When the checks bounced the choose, they chose not to call me, but to send me a letter. In the letter, they said that since funds were not available in the checking account, they took the money from my money market. I filed paper work 10 days later and the amount was refunded. 
At that time, I was told that a teller at the branch cashed both checks. There was no attempt to verify the identity of the person. All that was presented was the bogus checks with the account number on the back of the check. My funds were returned based on my signature. 
I filed a police report with the XXXX County Sheriff 's Office. 

It has been 11 months and WF has repeatedly denied my requests for further information to file restraining orders against the individual. 
I have been told that since I was reimbursed by the FDIC I am no longer a victim. WF is the victim because they assumed the debt. Another letter, claimed that WF is too busy to verify every persons ID that presents a check to a teller.

I have moved my accounts from WF. The WF service representatives in Nc have told me the branch in XXXX violated standard operating procedure and there is no way that that amount of cash should have been dispursed without a managers signature. 

My current bankers feels that it was an inside job involving at least 3 people ... the fraudster, the teller and a manager. I have been unable to find an indication that this crime was ever investigated. I have filed an official complaint with the OCC, FBI and the XX/XX/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 2020-12-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initially refinanced with XXXX XXXX  on XX/XX/2020. During the loan process they added {$2000.00} in closing fees to the mortgage making my LTV ratio 80.29 percent. When I inquired about just paying the closing fees to avoid PMI they added additional fees in the way of point to my loan. Not wanting to restructure my whole mortgage and lose thousands of dollars I told XXXX XXXX  to go ahead and just add the closing costs to the original loan. The services informed me that once the loan was processed I could pay the {$2000.00} in a principal payment to reduce my LTV ratio below 80 percent and have the PMI removed. After completion of the refinance my loan was transferred to WellsFargo. I added that principal payment on XX/XX/2020 prior to my first scheduled payment. I then called WellsFargo to inquire about taking off my PMI. I have received several denial letters from them stating I need my house to be re-appraised. The cost is another XXXX dollars. I think this unfair as my house was just appraised by XXXX XXXX  and the loan is less than 2 months old. I am writing because I am out of options and dont know how to proceed as WellsFargo is being unreasonable.

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 2023-06-01
Company: WELLS FARGO & COMPANY
State: SD
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:
Wells Fargo noted over XXXX transactions for {$110000.00} from a company called XXXX that I told them had fraudulent and duplicate charges. XXXX XXXX refunded {$44000.00} back to me for the same fraud and Wells Fargo denied my claim and told me I needed to be smarter and check sources before engaging with a company. They also didnt listen to me, ignored what I said, deleted complaints that were logged in their system and closed then claim and will not allow me to reopen after telling me to send them complaint info in PDF form.

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 2022-03-30
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/2021, my Macy 's credit account limit was lowered from XXXX to XXXX. They said this was done based on a review of my consumer file supplied to them from XXXX. I did not authorize Macy 's to obtain an additional pull of my consumer file, whether it be soft or hard pull, I did not authorize it. Furthermore, XXXX has two delinquent accounts on my consumer file that should not be.

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 2019-08-29
Company: Experian Information Solutions 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:
Incorrect information reporting 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 non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: RI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX under Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I leased a vehicle from this company that was a total loss on XX/XX/2014. This company is stating that I still owe money when car was paid off by gap and insurance company. I have never received any written notification about the charges and when I call and ask for info they never send it. I am trying to get this bad debt off my credit. Santander Consumer Usa will not provide any info for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: Experian Information Solutions 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:
Submitted by certified mail identity theft report and request to block certain accounts from being on credit due to identity theft also attached police reports and notarized theft affidavit upon completion they did not block the following accounts : XXXX XXXX XXXX XXXX XXXX Contacted the credit bureau again this time on the phone and I asked for them to correct issue I was told I can not dispute anymore I then told them I put in request to block the info with supporting documentation he put a dispute in instead so once again it was not honored

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