BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-01
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mississippi speeding ticket was paid for and needs to be taken off my driving record!!! 
I dont live in LA! Failed to appear in LA for trail/court, this one I have no idea about. I called Louisiana Sherrif department and they have no knowledge of why this would be on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
This is a complaint about my credit card company called Capital One ( phone numbers : XXXX, XXXX ) They have failed to provide credits for a transaction that I have been disputing since XX/XX/2018. 

In brief, I am attempting to receive full credit for {$660.00} from my Credit Card company called Capital One. This amount resulted from an automatic transaction made by a merchant called XXXX. This credit card transaction occurred on XX/XX/2018. 

On XX/XX/2018 I received an email from the XXXX merchant. This email stated that I received a refund of {$200.00} referencing the above XX/XX/XXXX transaction. I subsequently determined that this refund was not reflected on my credit card. Therefore, I contacted the merchant and was told that I needed a letter from Capital One to confirm that the credit was not applied. 

I contacted Capital One on XX/XX/2018 in order to request the letter for the merchant. Capital One stated that they do not provide letters and the only recourse is to issue a charge-back for that amount. The charge back was issued for the amount that was supposed to be refunded {$200.00}. 

When the merchant received the charge back they suspended my account. Referencing the email dated XX/XX/2018 from the merchant called XXXX billing ... they admit that my " refund for {$200.00} was not successfully processed. '' Up to this point I have done nothing except follow the directions from the merchant and Capital One. My account is now effectively closed through no fault of my own and I expect a full refund of {$660.00}. 

I have received credits totaling {$430.00} against the debit transaction of {$660.00}. This leaves {$220.00} unaccounted for. Over a period of 6 months I have called Capital One approximately 9 times regarding this disputed transaction and the unaccounted for amount of {$220.00}. Many of those calls ( but not all ) are documented as follows : Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour, XXXX minutes During many of my calls to Capital One I have been told ( again and again ) that the merchant would have 45 days to respond to any dispute. And yet this has dragged on for 6 months. On XX/XX/2018 I uploaded supporting documents to Capital One. Obviously, we are now far beyond the 45 days. I can provide a recording of the XX/XX/XXXX call to Capital One. As I have indicated many times, I still need a credit for {$220.00} to resolve this dispute. 
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Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have requested my free annual credit card thru Annual Credit Report ( XXXX ) two time in XX/XX/2018 and still have not received the report from Equifax. I requested on XX/XX/2018 and again on XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: HI
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 disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Westhill Financial
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
West Hill Exchange has been harassing me since XX/XX/XXXX over a debt that was paid off in XX/XX/XXXX. I have provided them with banking info proving that the debt was paid, but still continued to get occasional calls. Now an employee named XXXX XXXX ( whose direct line is XXXX ) is calling me almost daily and threatening me with destroying my credit. When we speak he is nothing but dismissive and abusive, I have offered to show him the e-mail I have already shown to multiple people at West Hill Exchange, but he refuses to provide me his e-mail address. This is at the very least harassment bordering on extortion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 Santander allowed {$3400.00} to be withdrawn from my account without notifying me. Thus they were complicit with scammers in stealing. Santander have never made public the receipts of the transfer on XX/XX/2018 or the transfer deposit or {$3400.00} into my account Nor have they made public the receipt of the request to take the same amount of funds out of my account. We only have their word that the funds were place into the wrong account. it is my accusation that they did not check the original receipt to determine if the funds were put into the wrong account. nor did they contact me to ask if I was aware that the funds were expected. It stead they work around my approval to remove the funds nor did they verify that the funds were in fact went into an account not requested. 

I expect that Santander make all documentation public and a copy given to CFPB and to me. I was expecting the funds to be deposited into my account and i gave my account numbers and Bank address ( XXXX XXXX ) and the name on the account so the funds could be deposited. I was unaware that this was a ploy to steal the funds ( reducing my savings ) By allowing this to occur without notifying the account holder or to checking the receipts the bank is allowing a back door for scammers and thieves to remove funds in a fraudulent manner

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 2018-07-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had credit with XXXX XXXX  ( now XXXX XXXX   XXXX ) and a credit account with XXXX XXXX  which were discharged in chapter XXXX bankruptcy inXX/XX/2013. A few months ago both XXXX XXXX XXXX  and XXXX  filed derogatory statements on these accounts. contacted TransUnion and filed a complaint. After 30 days I received a reply from TransUnion that both lenders refused to remove the statements even if both creditor are in the bankruptcy that is also listed on my credit file. I want the derogatory statements removed as it is simply reiterating what is in the bankruptcy reported to the credit reporting agencies. What can I do?

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 2018-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
This is a follow up on a previous case ( XXXX ) against XXXX XXXX. XXXX never reimbursed me for an overcharged amount on a purchased flight even though they admitted they overcharged me. 

Capital One knowingly allowed XXXX XXXX to rebill me the exact same overcharged amount when they knew through documentation that XXXX admitted on email correspondence they overcharged me. I contacted Capital One on this and they keep putting me off telling me they don't know when they will be able to get back to me on this matter. This is not acceptable. I have been an outstanding customer, with a near perfect credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: CITIBANK, N.A.
State: CA
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:
Citibank accidentally closed my Costco credit card account. Citibank thought I did not have an active Costco account, but I did have an active account. Without checking that I did have an active account, Citibank just closed my credit card account. I immediately called them and they confirmed that they accidentally closed the account without checking to see if I had a Costco account. They agreed to reopen the credit card account, but only after pulling my credit report. I asked them if they could reopen the account without pulling a credit report again because I did not want a ding on my credit, and they said they had to pull it again even though the account was closed because of their mistake.

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 2018-06-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I opened a credit card with Best Buy years ago and had used it only for large purchases. Over the years the balance never paid down despite making timely monthly payments and going long periods with no use. When I went to investigate the bill I found I had been paying for a service that I did not want and for which I don't recall signing up. This had been a recurring charge that was about {$23.00} a month. Over the years this amounts to thousands of dollars that they got from me through this predatory scam of " debt protection '' all while I'm being charged interest on these charges as well. I called the company to dispute this service and to request a refund of the money they had taken from me. I was told that they would investigate my complaint and get back to me. I have no reason to believe that they will investigate themselves while advocating for me, the consumer, in this scenario. I feel I have been taken advantage of.

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 2018-10-26
Company: EQUIFAX, INC.
State: WA
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:
Hi, I recently found out that XXXX  XXXX XXXX XXXX , XXXX had done a hard query on my Equifax credit on XX/XX/2018. 

I never used XXXX XXXX XXXX neither do I apply for any XXXX XXXX XXXX service. I'm wondering if this is a sign of identity theft. I'm wondering if somebody else used my SSN and apply for XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested to have a Fraud Alert removed from my credit report. I have updated my Equifax file with my contact information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB:XX/XX/XXXX SS : XXXX. I WOULD LIKE MY FRAUD ALERT REMOVE!! ASAP MY EQUIFAX Report Confirmation : XXXX I have included a copy of my ID and SS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
SHOP YOUR WAY CITI MASTERCARD. 

I was charged 2 fraudulent transactions from gas station on XX/XX/2020 ref # XXXX {$180.00} XXXX XXXX XXXX XXXX ref # XXXX {$280.00} XXXX XXXX XXXX XXXX disputed the charges right away,,, now is over 3 months and credit card company still denying to issue 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 explanation
Consumer complaint received 2018-11-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I wanted to open a new credit card so I did a search to find one that would give me a bonus for singing up. Based on the results I found I signed up for an HSBC credit card. While I do not have a photo of the signup offer, I was under the impression that I was signing up for a promotion that would give me {$150.00} or {$200.00} cash back after spending {$500.00} or {$1000.00} ( again, I should have taken a picture, but this is the range of the deals I was looking for, and my goal had been to sign up for the best deal I would be eligible for ). I was approved for the card and the account was opened, but now they tell me I need to spend more than {$2000.00} to get the bonus. I don't spend that much money on my credit cards and never would have signed up for an offer like that. Now I have a mark on my credit report all for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
On XX/XX/XXXX, I was contacted by XXXX XXXX from XXXX in regards to an American Express debt that was charged off in XXXX. Her company is called XXXX XXXX and she said a lawyer from XXXX XXXX is going to call me very soon. The lawyer called me from a blocked number ( first red flag ). He wouldn't tell me his name. I told him I can only settle a debt if I am provided with a letter that defines the actual account number that this debt refers to, otherwise there is no way to prove what account was settled. I can guarantee 100 % that I have never had an account of the numbers he provided. He got upset and told me he is going to lie to a judge that he has tried numerous times to settle this debt with me and here this is the first time I've ever spoke with him or XXXX. He says a payment of {$36.00} was made on the account in XXXX. I never made a payment on such an account after XXXX, he is either lying or a previous collector paid to keep it alive because the Statute of Limitations was running out. They plan to win a judgement by default. They won't tell me the court date or try to serve me. They have never sent me a letter and XXXX keeps saying she doesn't have to provide me any information and Liens of my auto, home and finances are in the works now. I'm supposed to pay these people who can't authenticate their ownership of a debt of mine and they are behaving like fraudulent collectors who might pull off a judges order to ruin me. 4 other companies have recently called to try to settle this same account with me and they threatened judgments that they never carried out and they all called each other fraudulent when I told them about each other and they all present the incorrect account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: JPMORGAN CHASE & CO.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2018 my XXXX account was hacked and someone made a {$450.00} purchase on my account without my permission. XXXX sent me an email that there was fraud on my account. XXXX card services would not remove the charge. Thanks for looking into this problem. I closed out my XXXX account and cancelled my credit card and received a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Westlake Services, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a car title Loan with Wilshire Consumer Credit which was paid in XX/XX/XXXX. I still had not received my vehicle title by XX/XX/XXXX. Contacted the company and they originally claimed that the title was released on XX/XX/XXXX and tried to refer me to a third party vendor ( XXXX ) that wanted to charge me to get information about my title. After refusing and calling back Wilshire Consumer they admitted that the title had still not been released but would get it processed now. When I asked why the title had not been released nearly 6 months after payoff I was told that it could have been any number of errors and they did n't know the exact reason it was never released. <P/>I find the whole process very disturbing and suspicious. Originally lying to me and saying it had been released and referring my to a third party that wanted additional money and then after I refuse to pay they admit that the title has n't been released and simply say " sorry, there was an error somewhere, but it was n't our fault ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. During the hurricane last year XX/XX/XXXX I had to evaluate. This situation left me and my family in dire straits. 
2. I contacted as many creditors as possible to request a deferment because of the storm. 
3. I spoke with the XXXX XXXX XXXX and explained the situation and requested a deferment. 
4. Un be known to me I didn't get the deferment. 
5. The account went past due. After I received money in XX/XX/XXXX I paid XXXX to the XXXX debt. 
6. XXXX XXXX still forward my debt to the IRS and to a debt collection agency. 
7. I paid another XXXX to the XXXX XXXXe towards the bill 8. In XXXX I received a letter from the IRS stating that they collected the remainder of the debt. 
9. XXXX XXXXr continues to show a past due amount on each of my credit reports and refuse to send me a paid in full letter. I get the run around and treated very badly when I call in.

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 2019-01-10
Company: Atlantic Credit & Finance, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX called XX/XX/19at XXXX XXXX. began questioning me about why I got behind on payments on a dept to XXXX XXXX XXXX.   She never asked any verification questions to find out if I was the correct person. My number has been on the do not call list for over 10 years. How can this company be allowed to fish the internet for a phone number for another person with my same first and last name, and call the number if it is no the donotcall list? What is the purpose of the donotcall list if it doesn't prevent debt collectors from hassling me because I have the same name as someone else? XXXX help those named XXXX XXXX. Please find a way to stop these companies from calling my number just because they can find it online and I have the same name as a debtor. Company is Atlantic Credit and Finance, XXXX XXXX XXXX XXXX  VA 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