BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is a third party collection agency I have been repaying my school loans. In the last few weeks, they have called my place of employment repeatedly despite them being told not to call. The last time they called a woman by the name of XXXX XXXX was rude to the staff. This is unaccpetable, especially since I make monthly payments! Besides, it makes absolutely no sense to get someone fired from their job where they make money if you want money from them!!! And i do pay them monthly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive reached out to Experian several times to report inaccurate information on my report due to being and ID Theft victim. Not only have I reached out via phone I reached out via mail and got no response from them or any correction to my report. I have several accounts reporting on my report as a result of fraud. Ive also submitted police report to Experian. 1. XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. 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 2020-11-20
Company: BANK OF NEW YORK MELLON CORPORATION, THE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a letter of proxy dated on 1920 from my Great-grand father, in that letter he had said if his wife does not collect some documents from the Bank of New York, now Mellon Bank New York ( MBNY ), somebody else could claim to the bank the belongings deposited in the bank by XXXX XXXX XXXX with the only condition to present the letter I have mentioned and three pictures of him in a Ranch located in Texas referred by him as his property, in that letter he mentioned that claim could be presented until 100 years in order to collect the documents and his belongings from the bank. I am attaching the original proxy letter and instructions letter with his correspond certificated translation to English language, I also have the pictures and an identification of my Great-grand parent, in case you need to verify the originality and truly existence of the pictures I can fly to deliver it in NY. 

My great-grand mother, grandparents and parents never attend to these instructions in order to retire the documents. 

I was asking in the NYMB regarding these properties and due to it is an old issue they suppose that these belongings could be delivered to the NY government by XXXX, recently I was trying to track these information through the NY comptroller web site but I did not find information that exactly match with the information of my Great-grand father, and thats why now I am asking for help in order to request for these properties. 

I could also attach if you require my XXXX visa copy and my XXXX ID copy. 

Between the additional documents I have from XXXX XXXX XXXX are his baptismal faith of birth, XXXX identification, and I do not have his death certificate, but I have a letter from the XXXX army where they refer to him as deceased. 

XXXX XXXX XXXX was a XXXX during the XXXX civil war who fought against the depleted government of the former president XXXX XXXX, as he was in continue combat and sometimes had to hide himself from the enemy, in the Army files are documents certifying this situation and also they mentioned he was hurt in battle but we do not know the exactly form and conditions of his dead, we suppose due to his character of military officer and the times of war are the reasons we can not find an official dead certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am expecting a refund for overpayment of an incorrectly billed medical account. My insurance company advocate has been working on this and in the meantime, I have been contacted by the company who turned me in for XXXX dollars and they told me on XX/XX/2020 that they would be working with TransUnion and any other bureaus that were inaccurately reported to to have it removed from my credit. This still has not happened. XXXX of the bill is being written off, and I am told I will also get almost XXXXk back in the form of refund/overpayment. I just got off the phone with TransUnion and I was told nothing is showing up there as of today in terms of getting the XXXX $ account removed. So I tracked down the company and Just got off the phone with an agent named XXXX from XXXX at XXXX and she said they have been billing me at an address I lived at 22 years ago ( which is what XXXX XXXX was originally doing ). She is deleting this from my Transunion report, but if my credit score does not go back up the FULL 23 points that it dropped from this erroneous reporting, I need to be compensated and am prepared to file legal action. Transunion representative named XXXX told me that even if the account is deleted, my score will likely not go back up the full amount of 23 points. THAT IS NOT RIGHT and I am trying to get a HELOC RIGHT NOW and need all the points that I earned. This company reporting an account that was erroneous should not affect my score no matter what. According to my astute calculations as I study my credit weekly, it would cost {$8000.00} to raise my score 23 ponts ( by paying down balances ). If the score only comes back half of the 23 after the account is removed, then it would be {$4000.00} to remedy. I will be filing complaints against XXXX XXXX  and all doctors affiliated with serviced I had 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 explanation
Consumer complaint received 2020-07-23
Company: U.S. BANCORP
State: OH
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:
We have two business accounts with US Bank. We received a letter which I can attach that stated they were offering a Special Payment Relief Program. It is to lower interest charges and eliminate late fees and help us repay since we XXXX XXXX XXXX  and have been closed due to COVID19. I have called and spoke to 7 different individuals and they are stating they do not have that program. They are currently charging us an interest rate of 28.99 percent which is 9 points higher than before the pandemic.

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 2020-12-01
Company: EQUIFAX, 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 information incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: CA
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:
In XX/XX/2020, I received a text from XXXX stating I had XXXX XXXX on my computer and to telephone the stated # given on the text to learn more. I immediately called the # and was told that I needed to purchase the latest Firewall so these types of incidents would never get thru to my computer. After relating this to my son, he investigated that the company was NOT XXXX, and called them. My son ( XXXX ) was told by the merchant -- XXXX -- that they were a XXXX party and represented XXXX. When my son told XXXX that we wanted to cancel the service, they refused, even going so far as to send Citibank a fraudulent e-mail that I did NOT write. When XXXX saw the e-mail, he immediately recognized the e-mail to be a screenshot and requested the original email. He was informed by XXXX that the email " was original and PAY the {$840.00} that you owe us. '' Citibank accepted the screenshot and closed the case. In XXXX, Citibank reopened the dispute, and now in XXXX, they have declined the dispute and have decided to endorse XXXX. I have proved various documentations of XXXX harassing me and using different telephone #, texting me that I have messages to my phone from a URL in XXXX that has infiltrated to my phone # that I need to respond. Of course, when I dial these # s, they are NO longer in existence. XXXX XXXX is harassing me, and I do NOT want to have anything to do with this scamming merchant. I also have cancelled my credit card with Citibank since I do NOT think they represent their customers and do NOT investigate claims made of fraudulent merchants. I would like to take a claim out against Citibank for not honoring and investigating disputes of their honored customers and also XXXX for fraudulently representing themselves as XXXX and submitting fraudulent e-mails to Citibank.

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 2020-11-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased 2 Money orders ( XXXX & XXXX ) on XX/XX/2020 as payment toward my rent. Both money orders were made out for {$500.00} each. I dropped the Money orders in a sealed envelope Mailbox in front of XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2020. 
The Money Orders never made it to their intended destination. Instead they were stolen while in transit. I called Money Gram and paid {$18.00} for a copy of the cashed check to see where the money was deposited. The Money Orders were endorsed by an individual with a XXXX XXXX account because the account # on the check referenced a XXXX XXXX BIN XXXX. I called Money Gram back and requested they find out who had stolen my money. They told me that they are not responsible for stolen Money Gram Money orders and I needed to reach out to XXXX XXXX to get my money back. I reached out to XXXX XXXX, they told me they can not open a dispute to get my money back although they are the ones who allowed their customer to steal and cash 2 money orders that were clearly NOT made out to their customer! I just want my money back so I can pay my rent. But no one seems to have any answers or need to help me find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, Capital One marked my credit card account as over 30 days delinquent -- due to a failure to pay the balance of {$230.00}. I was undergoing hardship and was simply unaware that I had incurred a balance at the time. Upon receiving notification of the delinquent status, I hastily paid the balance of {$230.00} on XX/XX/XXXX. Based on my long-standing history as a customer with Capital One ( XX/XX/XXXX ), I have in no other point of time been marked as late or delinquent -- in any line of credit. In addition, I have never maxed out or even come close to my credit limit ( {$500.00} ) as a customer with Capital One. I spoke with a supervisor within the company and they insisted that there was nothing that could be done to permit a goodwill removal of that late payment. After making 43 of 44 payments to Capital One on time, I believe as a loyal customer, I should be done a reasonable service and have this incidental delinquency forgiven from my credit report. It has been burdensome to my credit report and effectively -- my life, as I move through new phases. I hope you view my complaint justified ; attempting to negotiate with Capital One has been completely unreasonable. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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:
My social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. God Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: AMERICAN EXPRESS COMPANY
State: GA
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 rewards from credit card

Complaint:
American Express owes me XXXX points and they are frozen in pending status and are not posting. I have received many different inconsistent reasons from customer service reps and no one has been able to help. The company just tells me to contact XXXX, but XXXX does not see the points on their end. Why should the customer have to continue to contact both American Express and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent numerous requests to XXXX, XXXX, and Experian to remove the inaccurate addresses off of my report and they sent dispute results back as verified but did not delete anything. You can't verify an address when I have provided the proof of address through my bank statement on where I currently reside and employed. They are reporting the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN 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 2021-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security

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 2020-11-20
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My mom had a checking account t with first interstate bank in XXXX Montana. She added me to her bank account. It was never my account. She passed away I. XX/XX/XXXX. Her bank account with negative and the back turned her over drafted account into a unpaid loan and put it on my credit report. I paid the amount on XX/XX/XXXX but they will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Card opened as result of identity theft or fraud

Complaint:
Someone tried to open American Express credit cards under my name and my wifes name on or around XX/XX/XXXX XXXX We did not try to open these accounts. We informed American Express and they have marked the applications as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: SC
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 had to pay taxes on the companies that are listed on my credit report and they were also at the end of the time to be on my credit report. They sold these and wrote them as a charge off yet still remained on my credit. XXXX experian would not look into although it was for a different reason. The others would not acknowledge or remove their claim due to the fact they had collected something on the charge offs and the collection companies. I claimed over XXXX in income due to credit card debt and some was from over twenty years ago! How this is possible I do not know. But the XXXX I did not recognize XXXX of the cards and that is another complaint I got off track there is just so much. But there is no removal or anything like that stating they got something because it was from them not collections that was a separate 1099-c I also paid collections for the same amount same debt. XXXX write off on several same things. How can XXXX companies make me pay taxes twice?

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 2019-11-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
In XXXX of this year ( 2019 ) we applied for a personal loan for {$6000.00} through OneMain Financial in XXXX Colorado. They sent a pre-approval email to my husband and I and then stated that I didn't qualify for the loan. I have yet to receive an adverse action for the attempted loan. They then stated that they had to get the title for the vehicle that was used as collateral for the loan so they could sign the title off to my husband and remove me from the loan. The title took a long time to get in and didn't receive the title till XX/XX/XXXX. We went in, signed the title over to my husband and waited for another answer. They told us that the loan had to be sent to the corporate office for the finishing documents and that it would be ready on XX/XX/XXXX. We never received a call and continued to call and inquire about the loan. Each day we called, we were told that the loan officer and the supervisor were busy and would call us back. When they did call us back ( after a few days each week of pestering them for an answer ), we were told that we were waiting for the corporate office. We finally got a hold of them, again, on XX/XX/XXXX and they told us that my husband did not qualify for the loan. When asked why, they told him that they could not give him that answer and he would get an adverse action in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
A fee of {$140.00} was made on a subscription that I did not allow. I emailed the company to refund the fee. Amex would not contest it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
TD Bank is still reporting a debt owed and late payments when the account was included in a XXXX  XXXX XXXX. The amount is {$13000.00} from a credit card and TD Bank is not following the XXXX XXXX XXXX XXXX from XXXX that this debt was included in the bankruptcy. TD Bank is still reporting the debt to XXXX and indicating that it is late with a charge off status. 
TD Bank did respond to cfpb and myself on XXXX indicating they had sent an update to the Credit Bureaus to have the account updated to reflect the discharged bankruptcy and indicated a XXXX  control number XXXX as confirmation this update was sent to the credit reporting agencies. 
But TD Bank had been contacted by XXXX via several recent disputes concerning this issue and XXXX continues to receive a response that the reporting of {$13000.00} is late with a charge off with no indication it was included in the discharged bankruptcy.

Company response to consumer: Closed with non-monetary relief