BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
I received a promotional letter from American Express to apply for the Delta Gold SkyMiles Credit Card that promised XXXX bonus miles if I spent {$3000.00} within a certain time frame. I opened the account on XX/XX/2018, and spent {$3000.00} right away, and then didn't receive the bonus miles. 
The offer also included a {$50.00} statement credit if I made a XXXX purchase which I did on XX/XX/XXXX. Alas, I received no {$50.00} statement credit from American Express, though I met the terms. 
I printed out the Skymiles XXXX offer which said I had til XX/XX/XXXX to take advantage of this bonus offer, and I applied and was approved for the credit card on XX/XX/XXXX. 

I called customer service on XX/XX/XXXX, and the customer service agent said I might not get the bonus offer because I've had another American Express card in the distant past. However, there is no lifetime language on the offer terms regarding the bonus. 
The customer support person wanted to know what the RSVP code was, but I can't find it since I applied for the card, was approved, I assumed that American Express would honor their promise for the bonus. 
The customer service agent gave me a Case number, XXXX. 
The customer service agent said American Express won't let me know the results of their investigation, and if I call up maybe they'll have results for me, or maybe they won't. And maybe they'll give me the bonus, or maybe they won't. 
So American Express knows I've had a card in the past a few years ago, but they can't find out what my RSVP code was for the letter I received promoting the credit card and the bonus? American Express sent me multiple letters for this Delta Gold Skymiles Credit card with the bonus promotion. I only finally relented in XX/XX/2018 to take advantage of it. How could American Express have this selective information, that would benefit them only?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amsher collection service falsely reported to credit bureau companies that there is delinquent debt XXXX {$120.00} to XXXX XXXX ) on my credit reports : XXXX  removed the incorrect account of the collection company from my credit report through the dispute process on XX/XX/2020. The collection agency deliberately re-posted the false claims to the other XXXX, XXXX  in order to disrupt the refinance mortgage of mine as the collection agency harassment on XX/XX/2020 ( 1 day after I won the dispute ). The collection company intends to pressure me by damaging my credit score on my refinance process ; inducing the situation to its advantage. 


On the other hand, the delinquent debt to XXXX XXXX, {$120.00} must be false. I filed the relevant complaint against XXXX XXXX through the credit card company dispute, this XXXX. XXXX XXXX refunded me the complained amount in the dispute. However, Amsher collection service seeks to collect the legitimate refund as the delinquent debt in fraudulent activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Direct Mortgage, Corp.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a new conventional mortgage loan with Direct Mortgage Corp. I own several other properties, and I have been trying very hard to get a copy of my monthly statement from Direct Mortgage Corp, as I need a copy as an underwriting condition related to the refinance of another one of my properties. The online portal for Direct Mortgage Corp does not have a copy of my statement, when I go to my online documents, all they have is a copy of my annual tax statement, but no copy of my normal monthly statement. I have called them about 5 times. Every time I call, I have to wait on hold for about an hour, so it is extremely difficult to reach them. Every time I have reached them, they have told me they are not able to provide with my statement, but that they can mail it. It has now been 3 weeks since the first time that they said they would mail it, but I have not received it. On another occasion, they said it would be available in the online portal within 3 days, it has been two weeks since that time and it is still not available in the online portal. on another occasion, they said they would email it to me within 3 days, and it has been a week since that time. I still don't have the statement, so I feel I have no other option to get their attention other than to publish this complaint, they have been extremely difficult to deal with, and I just can't understand why it should be so hard to provide a statement. Every other bank I deal with has a copy of all my recent statements in the online portal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: OH
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 recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following account is listed below : 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 explanation
Consumer complaint received 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
On XXXX the XXXX 2019 i was contacted by by someone to let me know that this person had got my childs social security number and used it for credit cards and other things as in hooking their power up etc ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This is not a duplicate. 

This is about a different lie that Capital One has said. 

CFPB, please do not close this case until both parties agree that the issue has been resolved. 

My complaint is that Capital One is lying yet again, as evidenced by their two letters which contradict each other. 

Capital One 's letter dated XX/XX/XXXX states that " Our records indicate that you were able to reset your password on XX/XX/XXXX, and you successfully accessed your account on XX/XX/XXXX. '' Yet Capital One 's letter dated XX/XX/XXXX states that " It appears that the account ending in XXXX is not enrolled for you to have online access '' and " We have confirmed that the system issue that prevented you from logging in on XX/XX/XXXX, has been corrected. " This is two conflicting statements in a single letter - first they state that the problem is that my card is not enrolled in online access, then they state that the problem is a system issue. And the 'system issue ' has NOT been solved, as I am still unable to log in and get the same screen when I try. 

I am asking the CFPB not to close a case until both parties issue that the issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: OH
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 recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following account is listed below : 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 2021-01-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint. XXXX XXXX did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!

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 2020-07-07
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PNC has made some sort of change and now i am not able to link any of my accounts to my pnc account. when using XXXX  or other services it wont let you connect your pnc account anymore and it is EXTREMELY inconvenient. Please do something to fix this issue as i know thousands of people are having the same problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had an issue with my mortgage company. I got a notification of a large increase in monthly payments and so I called more than a half dozen times to get an explanation for the increase. I could not get any answer nor even someone to talk to me. At last, after many many tries, I did talk to someone who I asked for a detailed account for the increase. She did not have any specifics but did say that the company policy was to ask for two additional monthly payments. I did not sign any agreement calling for extra payments in advance, although I do realize that my original mortgage company has sold my loan to another company. I need a detailed explanation for the rate increase and I want to say that I should not be subject to the two additional months of advance payments since I never agreed to such a practice.The statement date was XX/XX/2020 and showed that the payments would change from XXXX to XXXX ( and increase of XXXX. The statement also showed an escrow deficit of 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 2020-05-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened a Wells Fargo Secured credit cards in XX/XX/XXXX. My last payment was made XX/XX/XXXX. The account was closed XX/XX/XXXX due to nonpayment. I called Wells Fargo in XX/XX/XXXX to make a payment and close the debt out. I was told they were unable to locate the debt to apply a payment to so they would be unable to accept my payment and remove the debt from my credit report. I submitted a dispute XX/XX/XXXX to have it removed from my credit report because they cant find it to prove it was mine and accept payment. The dispute was in favor of Wells Fargo, and it is still on my credit report despite being unable to locate the dent and let me pay it off.

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 2023-08-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My identity was stolen and money was pulled off several of my credit cards. Wells Fargo finally refunded all the money back on my card but they reported me as 30 days late and that still has not been removed from my credit report. I cancelled my card out of disgust with them but they need to correct my 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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. 
XXXX US BKPT CT XXXXXXXX XXXX I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. 
I request that this information be blocked and removed immediately.

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 2020-05-20
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company failed to validate or verify within 30 days of dispute. Original dispute XX/XX/XXXX. They didnt respond until XX/XX/XXXX during a second dispute. Never received any written communication

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.

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 2021-01-26
Company: EQUIFAX, INC.
State: NC
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased a sectional sofa from Ashley Furniture on XX/XX/XXXX which included a loveseat with a power recliner on the end. I put the furniture purchase on my Ashley Furniture credit card which is issued by Syncrony Bank. When the furniture was delivered on XX/XX/XXXX, there was no recliner on the end of the loveseat. I called the Ashley Furniture store while the delivery was happening and I spoke to the sales rep that I worked with. She said she made a mistake on the order and put the wrong number on it which was for only a plain loveseat with no recliner. I told her I couldn't wait another 3 months for a corrected sectional and that I would just keep the sectional that was delivered but wanted the refund for the power recliner that I didn't get. The sales rep said she would have the manager do the refund and they would take care of it ( she stated it was approx. XXXX difference in price ). 

I still have the full price charges on my card and I have tried 3 additional times to rectify with Ashley Furniture but they keep telling me they will take care of the credit and get back to me ... but no one does. As of today, the charges are still the full charges for the sectional sofa that I did not receive. They never let me speak to the manager who is supposedly in charge of issuing the credit ... I am always told that the employee will get right on it and the manager will issue the 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 monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
THERE ARE INQUIRIES I DID NOT AUTHORIZE AND ANACCOUNT THAT I WAS NOT LATE ON

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 2018-07-16
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
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:
XXXX XXXX XXXX XXXX is reporting two items on my XXXX credit report. {$100.00} and {$100.00} respectively. I made these two payments in full XX/XX/2018. As of today, XX/XX/2018, it remains " OPEN '' and " PLACED FOR COLLECTION ''. I had paid two other collection companies on the same day and those have been updated/removed from my credit report already. This delay is unacceptable. I can provide evidence of these two charges having been paid via credit card billing statement. The company is NOT taking any effort to provide resolution or escalation to correct the credit report. They continue to tell me " check next month '' and " kick the can down the road '' which is unacceptable.

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 2017-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was double billed for a Hotel Night stay by the hotel and the booking agent. I disputed the hotel charge and if Capitol One credit card company did as instructed, it would have eventually worked out. Their interference without my instructions only made the problem worse. If I understand the procedure, I the client am right until the Vendor proves otherwise.
Attached is my last correspondence with Capital One without acknowledgement that they received it.
I believe their procedures should be reviewed and phone communication does not seem to work. Plus extremely time consuming

Company response to consumer: Closed with explanation