BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I took my vehicle in for repairs at the local XXXX dealer. The repair bill was approximately {$5200.00}. The XXXX dealer offered me a XXXX credit card to pay for the bills. I was told that the card was 0 % interest for the first 6 months. Which it was. I then received a statement 6 months later that I was over my credit limit. I called the XXXX Credit card company to ask how that could be seeing I was making my payments on time and have not used the card besides the initial transaction to pay for the repairs. They then told me that after the 6 months they added all the interest for the past 6 months to my account seeing it wasn't paid off. There was nothing that disclosed this on the paperwork and the XXXX deal did not disclose this during the process. That amount was approximately another {$1200.00} that I now had to pay. I have since paid the card off in full, but would like to recoup the extra money that I believe they gouged me for by not disclosing it and falsely advertising to me a 0 % interest for 6 months.

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 2019-09-24
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The date of first delinquency was in XX/XX/XXXX they have illegally reared the account to show a date of first delinquency of XX/XX/XXXX. Violated FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I filed a CFPB XXXX : XXXX | Capital One XXXX : XXXX. Capital One one is playing a game, they are still charging me for the fraudulent charges on my account. They also have left a number to call which I have called over 27 times now with no response. XXXX is the agent handling my case. I have been calling from ( XXXX ) XXXX and she never picks up the phone or responds to any of my messages. Capital One is refusing to help me with these fraudulent charges and their billing department calls me everyday to tell me to pay for these fraudulent charges! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They also are claiming that I faxed in some documents that could not be verified. Due to this, my account is permantly restricted. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I never sent in any documents to them! I dont know what Capital One has going on but they need to cut the XXXX and unlock my account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was sent a text message to look like a TD bank notification. The notification said that someone that I had enrolled someone for bill pay. It then had a link to block any further requests which I clicked. It sent to a website made to look like the TD bank website where it asked me to log in and enter very sensitive information such as my full name, DOB, and SSN, all of which I entered. Only after this did I realize that it was a scam. There was the a {$0.00} charge to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i am a victim of identity theft and have been fighting this or a long time. upon pulling my credit i see the chapter XXXX bankruptcy on my credit report. This is fraud. The cra stated to me that this was verified. upon further research and contacting the county clerks office stated they have sent no notification to the cra 's. This was done by a third party. i need this removed from my reports asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, consumer XXXX is holding XXXX XXXX responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. XXXX XXXX continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to XXXX numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

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 2023-06-19
Company: EQUIFAX, 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:
I went to the car dealership to purchase a vehicle. The dealership pulled my credit report. It was only supposed to be one inquiry. However when I checked my credit report the following week, it showed that I had multiple hard inquiries. 

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 explanation
Consumer complaint received 2021-09-15
Company: SYNCHRONY FINANCIAL
State: MI
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:
A Cease and Desist order was place on this company after many threats to take legal action. I spoke with a representative prior and notified them that the account was in dispute due to unfair and innacurate charges and alleged amounts. This company has sent letters to my home with threats to take legal action. I spoke with a representative on XXXX at phone number XXXX where they threatened to take legal action if I did not pay the alleged debt, after stating there was a cease and desist order with this company he preceded to continue to ask me to pay. Under title 15 usc 6801. Protection of nonpublic personal information states each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
15 U.S. Code 1692e.False or misleading representations, also states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

This company has caused me great stress due to the above violations. 15 U.S. Code 1681q.Obtaining information under false pretenses states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. I am demanding I be compensated for the above violations stated in 15u.s code 1117.

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 2023-02-17
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:
An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

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 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly a past due of {$730.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) It was stated to me that the dental procedure I had agreed too would not exceed {$900.00}. I paid the balance in full, and therefore there is no outstanding balance due and nothing to report as past due. This incorrect reporting of a past due on my credit report is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2021-11-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am writing to file a complaint about Chase XXXX XXXX and that they improperly charged undisclosed fees on a loan payout upon closing a home mortgage. Chase Banks actions violate the Truth in Lending Act, and we want the FTC to enforce that regulation and help us recover the improperly taken money. 

BACKGROUND We had two mortgage loans with Chase. 

The first mortgage loan was XXXX. 

We decided to refinance that loan with Chase to get a lower interest rate. We closed out the first loan and opened a new loan with Chase ( XXXX ) on XX/XX/XXXX. 

There was some confusion by Chase in terms of the closeout amount on the first loan. 

Chase sent us a letter on XX/XX/XXXX stating that the total payoff amount for loan XXXX was {$450000.00}. Then on XX/XX/XXXX, they sent us an updated letter on XX/XX/XXXX that the total payoff amount from the first loan was {$450000.00}. The new mortgage we secured with Chase on XX/XX/XXXX for {$450000.00}. Chase used the updated and disclosed payoff amount provided by them on XX/XX/XXXX to determine the loan amount for the refinance. 

Eight months later, we decided to refinance again. This time with another lender. Loan XXXX closed on XX/XX/XXXX for XXXX After reviewing the charges by Chase to close the loan, we noticed that we were charged a Broker Price Opinion for {$2100.00} ( see the attached copy from our bank statement ) This Broker Price Opinion was not disclosed to us upfront. It also was not a service that was performed, requested, or authorized by us. 

We have had discussions with Chase for several months. Chase now claims without admitting they made a mistake that there was a shortfall in closing the first mortgage we had with Chase. They are also now claiming the Broker Appraisal was a Corporate Advance to make Chase whole for the shortfall going from the first loan to the new refinanced mortgage. 

Again, we were never advised of a Corporate Advance/ escrow account, nor had we requested or approved those fees. 

Once a loan is closed, it is not proper for Chase to intermingle that transaction with a new loan. 

Both actions above are a clear violation of the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
We signed a contract with Lexington Law to help us repair our credit on XX/XX/23. The initial fee was {$69.00}. They took out over {$400.00} dollars in one month : XX/XX/23 ; XX/XX/23 ; XX/XX/23 ; with no results on my account or my friends account. 

They have violated my customer consumer law under CROA because they have been charging upfront fees for a service they did not accomplish. Lexington Law has been charging me monthly to remove negatives from my credit report. I was informed verbally that this was a family plan, that we would be charged {$130.00} a month for the both of us, not separate as we are a family & live together. 

They were suppose to refund me 3-5 business days from XX/XX/23 & when I called today, XX/XX/23, they kept saying they can only refund once they investigate the phone call, as every call is recorded. I requested the recorded phone call & they did not want to release it by giving me the run around. However, they proceeded to refund me half of that money after claiming my legal rights to receive all of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
I sent in a complaint in XXXX of 2021 about some accounts on my credit that are not mine. I received a response back from the bureaus stating they was looking into and would get back to me within 60 days but as you can see we at almost 2 years and still nothing. Can you all please remove XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX There is also an account who doesnt have a name for the company but it do have an account number XXXX Please have this one removed as well.

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 2021-07-06
Company: EQUIFAX, INC.
State: MD
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:
I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, XXXX, Equifax, and XXXX. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX Hunter Warfield was sent another request for validation and all account info and notified that the debt is not owed. Tracking # XXXX XXXX XXXX XXXX - As of today no response has been received. 

Previous request for debt validation tracking # XXXX XXXX XXXX XXXX XXXX Many other requests in writing however documents not accessible at this time. 

Their claim of over {$12000.00} for XXXX XXXX is a fraudulent amount and impossible. I submitted the signed and approved by XXXX XXXX `` XXXX XXXX Notice of Intent to Vacate '' on XXXX/XXXX/XXXX for move out on XXXX/XXXX/XXXX. XXXX was paid in full and an overage for XXXX. Later an attorney acknowledged that there was only a partial balance for XXXX and XXXX of {$4300.00} however that is AFTER and the case was dismissed because they were attempting to evict me when I had already moved out and provided notice with management signature. 

XXXX XXXX continues to ignore requests for validation and report inaccurate information and a debt that is not owed. They have not responded to recent request for removal 30 days ago.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage charges a XXXX fee if you do not go paperless. Through the app I tried to go paperless and it was not working. I called the company to have them removed the {$7.00} charge from my mortgage and they said that that was the the charge for a service. I was never notified of this new policy or service. They told me to try a different device in order for it to work. How many people have multiple devices to try and not pay more? This is bad business practices and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Confusing or misleading advertising about the credit card

Complaint:
American Express XXXX advertised XXXX XXXX XXXX in XXXX with a complimentary third night with a minimum stay of XXXX nights. I have confirmed with XXXX agents ( XXXX, XXXX ) that my dates are eligible, and somehow, the system did not apply the promotion. Amex XXXX 's system does the promo in a very unique and convoluted way. The discount is reflected in a lower nightly rate, often shown as the regular rate is crossed out, and the new rate would reflect the " free night. '' I see several problems with this practice.

1. Like my case, the nightly rate was NOT crossed out, leading me to suspect that the promotion wasn't applied. Most consumers would probably be unsuspecting, and this would have resulted in an overcharge.

2. Things like this must also be clarified for the Amex Agents. Most of them have attitudes and probably wouldn't bother looking into it. The agents I spoke with initially told me the rate had already been reduced to reflect the " free third night '' until I proved them wrong. 
3. I spent XXXX hours explaining the error and finally got them to admit that it was an error, but they were ineffective in providing an error resolution. 
4. This leads to unjust enrichment for Amex XXXX. I suspect many consumers are conned into believing they are getting a discount. 

Based on the above, I urge CFPB to look into these incidents. I have screenshots of everything. Amex would have gotten millions of dollars via this type of false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
CITIBANK CHECKING XXXX BREAKS LAW BY REFUSING TO ELIMINATE ALL SHARING TO EVERYONE OF XXXX XXXX 'S INFORMATION. SEE ATTACHMENT.

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 2021-03-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Their website or phone service does not allow you to pay off your loan early. The only option to " make a payment '' leads to editing your credit card or debit card details. I called their customer service number to see how I could make a larger payment on the loan, that wasn't the monthly scheduled one, and the representative said that I have to wait for the website to be fixed. Unfortunately, there has not yet been a fix and there is no way to pay off the loan early. This means that Citizens One can collect more interest on the loan and keep me in debt, despite my ability and desire to pay off my loan.

Company response to consumer: Closed with explanation