BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a Delta SkyMiles Platinum American Express card. Although I can not fly nor are there even future flights available ( the schedule is reduced, and I understand why of course ) they still billed me the full annual fee in XXXX. {$450.00} I only own this card for the benefits while flying + the miles earned.

I suggested two solutions. 1. I would split the membership fee with them. 2. Defer the billing of the annual fee until the flying situation was clarified - I could travel leisurely or for business as a non essential worker. 

Their response triggered this complaint. It was not because they were rude or did not communicate pleasantly, both of which are true. It is because they repeatedly transferred me to other areas to SELL me either additional cards or travel services. They took my inquiry as an opportunity to try and get more money out of me. Not acceptable. 

Since I have paid the fee in full, but am a most dissatisfied customer. I believe it is AmEx that is guilty rather than Delta.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-29
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I bought a necklace off of PayPal for {$5000.00}, XX/XX/2018. After days, PayPal cancelled my payment. Which forced to to keep money in my PayPal balance. I rebought the item from my balance and paid. I got the item. After days of having it, I decided to get it checked. The item was fake. Fake gold necklace. I wanted my money bsck. The seller refunds me but PayPal limits my account. My money is in PayPal account ( my refund ) and they are not letting me get MY OWN refund off of PayPal. So my money is sittin there and they said I have to wait 180 days. Which is not right. Its my money. I paid with. I want my account to just be opened for me to withdraw my own money and I will be fine not using thier services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2020-06-26
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:
incorrect and fraudulent information reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized ATM withdrawals were made on my account starting XX/XX/XXXX-XX/XX/XXXX. 20 total unauthorized transactions were made in the total of {$2000.00}. My debit card was never lost or stolen, and was always in my possession. On XX/XX/XXXX I received an alert on the chase app that someone withdrew {$200.00} from my account. I immediately got on the app to find 19 similar transactions, which were under {$120.00} so i didn't get any alerts ( default settings ). I also got an email from chase because they suspected fraud on my account because the person got declined twice. I then called Chase and opened a fraud claim, and cancelled the card. Chase gave me a temporary credit and informed me they would do more investigation. A few weeks later they reversed the credit. I called the claims department, and the claims department lead began to tell me that they couldn't prove that it was or wasn't me, therefore they will not reimburse me. Not only will they not reimburse me but they wouldn't even tell me the product of their investigation. The person who made the transactions made them in XXXX  XXXX, I've never used the these ATM 's. 

Since then I have filed a police report, reported identity theft with the FTC and I am in the process of trying to get the video evidence from the ATMs they used to prove it wasn't me. 

I am a Vet and hold a Veterans account with chase and have been with chase for about 7-8 years. This is completely unethical and should be against the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: CA
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:
XXXX/CBNA Account Type : Charge Account Account Verfied : XX/XX/XXXX Date opened : XX/XX/XXXX High Balance {$1700.00} Debe was result of identity theft!! 

Contact with banks has not been resolved

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 2020-08-01
Company: Experian Information Solutions Inc.
State: AL
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:
This company is listing XXXX unverified public records on my credit reports. Your initial communication to me of the unverified public records was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-06-27
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I received a usbankreliacard in the mail. Since I have a usbank card I assumed it was an updated card. I called to request a duplicate card for my husband. I spoke with XXXX XXXX from about XXXX to XXXX XXXX on XX/XX/2020. She stated she had to verify my authenticity by entering transations against one of my current credit cards. I objected stating I had never needed to do this. She stated I was niave and she was just trying to serve me and fill my request and proceeded to enter transactions on three of my cards : XXXX XXXX from XXXX ( {$75.00}, {$10.00}, {$25.00}, {$60.00}, and $! XXXX ) XXXX XXXX from XXXX ( {$200.00} ) XXXX ( {$200.00} ), XXXX XXXX   from XXXX ( {$280.00} ). The XXXX XXXX would not accept the transactions and I refused to give her anything else. I told her to just stop and remove all the transaction which she said had not been posted and would not be, She would remove all traces of them before the end of the call. I had been complaining about the process and the length of time for ssuch a simple request. She suggested I just hang up the phone and leave her to finish the job and I could just check my computer later. I told her I did not trust her enough to do that. I wanted to see each transaction cancelled. She told me to be quiet and let her do her job. She said she would cancel everything at that point but I noticed she was waiting for a confirmation from XXXX. She did cancel the XXXX charge for {$200.00}. But that was all. Finally she gave up on me. When nothing happened I began to cancel the user interface sessions. She had opened about six of them. When I got to the last one, XXXX XXXX entered XXXX XXXX I have tried to report the fraud to usbankreliabank but the rep went to talk with her supervisor and then hung up on me. I tried to cal back but after 15 mnutes in queue, I hung up and chose to report the fraud to you. Since it seems this is a government relief program, I was confident you would be intrested in preventing this to unemployed people desperate for the help you offer.

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 2018-12-29
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: Didn't receive advertised or promotional terms

Complaint:
Dear Mr. Chairman & CEO XXXX or American Express Executive : American Express approved and opened my application for a XXXX XXXX credit card in XX/XX/XXXX with a welcome offer for XXXX XXXX points after meeting a minimum required spending of {$3000.00}. On XX/XX/XXXX, American Express did confirm by phone and chat that I did meet the qualified purchases of at least {$3000.00}, but American Express unfairly deny the welcome bonus based on a reasoning that 2 or 3 of my past accounts in which I was only an authorized user was opened or closed in XX/XX/XXXX. In fact, as only authorized user, I had no control of why the account was opened or closed then ; however, American Express is now unfairly deny the welcome bonus for my current XXXX account that is still open and in good standing. Therefore, I respectfully request a fair reconsideration and extend the welcome bonus as promised. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Self Lender Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I closed the account but it says on my credit report I was late on a payment when I was not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: NC
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:
My husband and I submitted a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. They were supposed to respond within 30 days, but have not. Our follow-up letters have also gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past 2 years I have been sending my mortgage company bi-monthly payments of $ XXXX to pay for my mortgage payment. The mortgage company wasnt crediting the payments correctly. Instead they would apply the XXXX bi-monthly payment to the principal ( without telling us that btw ) and it wasnt until months later when they stated we were short for our escrow we realized THEIR error. 
Now our mortgage has been transferred to another mortgage company and the original mortgage company is stating our mortgage payment is now {$220.00} MORE due to a " shortage payment '' There was NO shortage payments - THEY were not crediting our payments correctly causing this insane increase on our mortgage payments. We can NOT afford {$220.00} more a month - this is on THEM not us! 
With our new mortgage company ( XXXX ) now assumes our monthly payment should be {$890.00} which is WRONG!! 
If they had credited all the bi-monthly payments to them to the XXXX instead of just putting it where ever this wouldnt have happened!

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 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a money market 360 account with Capital One in order to obtain a bank account bonus of {$500.00}. The bonus code was : XXXX and the terms were to deposit {$50000.00} or more by XX/XX/XXXX. It did NOT state the balance had to be above {$50000.00}. I completed {$50000.00} in deposits on XX/XX/XXXX. I called on XX/XX/XXXX to see why my bonus had not been paid. They claimed it was because I had not obtained a balance of {$50000.00} even though this was not stipulated in their terms and conditions. The terms and conditions are attached below : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My father died XX/XX/2018 There was a check issued from his escrow account on XX/XX/2018 for XXXX to XXXX  personal loans the account was not paid my dad died XX/XX/2018 XXXX terminated his account as of XX/XX/2018 which a copy of the termination was sent to guild mortgage they refused to refund the money to my mom I just don't understand how they can pay a terminated account with a voided check I sent the documentation XX/XX/2018 They replied XX/XX/2018 saying they would disburse the funds because there was no documentation to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX To whom it may concern : I need your agencys assistance, for years now, I have been harassed by XXXX XXXX XXXX for fraudulent medical bills that I do not owe. 

I have not been a patient of any XXXX XXXX XXXX doctor in years now, and I do not owe any outstanding Medical debts to them, yet they continue to harass me, by charging me for debt that I do not owe. 

They continue to charge me for XXXX XXXX that have already been paid for in previous years, by myself, as well as my dual insurance carriers. 

I have contacted their business office over and over again, they have received copies of payments already made to them, I have had attorneys to write to them to clear my name of these fraudulent debts that they continue to harass me about. 

For years now, the billing office for this medical group has insisted on harassing me, they have made mistake, after mistake on my patient accounts, they have not credited me for payments received from me, as well as from my insurance carriers. 

They have inept and unqualified people working in their billing offices, over the years they have claimed that they have changed their computer systems, over and over again. And it seems that each time they have, they place people that dont know how to do patient billing, and so the patients suffer for their incompetence. 

Years ago their Administrative officers XXXX XXXX, as well as XXXX XXXX XXXX and others in their Administrative offices, were made aware of this continual harassment from their billing office, and this was supposed to have been corrected. 

( I am enclosing copies of letters that were already sent to XXXX XXXX XXXX back in XXXX ). 

Yet I find today in my mail, on XX/XX/XXXX, a letter from a Collection Agency by the name of Capio Partners LLC, this collection agency is billing me for fraudulent medical debts that I do not owe. 

I want Capio Partners LLC, to understand, that I am not paying them, nor am I paying another dime to XXXX XXXX XXXX, for any more of their fraudulent medical bills. 

I want Capio Partners LLC, to cease and desist from contacting me about these fraudulent debts that I do not owe. 

I want any collection accounts that they have placed onto my credit files removed immediately, as well as removed from their collection office, and I want hard copy proof on their letterhead that this has been done. 

Capio Partners LLC, can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-05-04
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX of Caliber Home Loans XXXX XXXX  # XXXX ) rushed me through the refi and closing process and missed key information I shared with him around the intent of sale of a one of the lots within my XXXX property. He never assisted in getting the lot released. The sale ultimately fell through and I am now being forced into the partial release process and required to pay processing fees, appraisal fees, etc. XXXX included the lot in the appraisal making it impossible to sell. XXXX is very unprofessional and to my surprise, not very knowledgeable about the mortgage process. He was asking me personal questions around what I would do with the money if he were to get the propery released for me, including saying things like " I better not buy jet skis with the profits '' I've filed a complaint with Caliber but nothing has been done to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.

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 2018-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
First XXXX  used or has XXXX XXXX of XXXX XXXX in XXXX County KY help them steal $ from me. I s Am sick from XXXX XXXX, my job causing a XXXX XXXX and XXXX XXXX XXXX. 
XX/XX/17 I bought 5 phones at XXXX  and since then my phone had {$4900.00} stolen and XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX but XXXX said its XXXX  / XXXX XXXX - then {$300.00} from XXXX  XXXX -XXXX  from XXXX  XXXX -XXXX from credit union I have 56 false hard inguires and identy theft false credit cards. I want XXXX  XXXX and XXXX XXXX to fix XXXX to pay me

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