BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Hello, I am a bank of America Travel reward card customer.

I want to vacation on XX/XX/2018 and returned on XX/XX/18 and the date on transaction is XX/XX/18 and XX/XX/18. 
I went on a vacation to XXXX XXXX. I went to one club where I lost my wallet. I realized after 8 hours or so and I went back to see if it was there or not and I was able to find it from the front office. After a week when I was going over my statement I saw that there are two different changes which I did not make or authorize to make. One in that restaurant and the other in some park where they require you to put your Credit card as contingency. These changes are fraudulent to the best of my knowledge. I tried calling merchant no help, then credit card bank ( Bank of America ) fraud claim rejected saying the card was present when the transaction happened ( obviously ) and they do not suspect fraud. No help after 3 months so filing complain for it. This has happen earlier as well but I did not have evidence I honored the charge at the end. 

Please extend your help. 
I have attached my credit card statement for the purpose of identifying me and transactions are highlighted already. 

Thank you.

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 2018-02-01
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: Public record information inaccurate

Complaint:
I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Stuart-Lippman and Associates, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2019, which stated that an account had been listed with the sender " for collection. '' It appeared from the letter that it was a claim on behalf of an insurance company ( XXXX '' ) relating to a date of " loss '' of XX/XX/2019 and listed the name of an " Insured. '' I have no relationship with either XXXX or their insured, nor was I involved in whatever incident they were cryptically referring to. On XX/XX/XXXX I responded by letter, telling the sender that I disputed the validity of the claim, demanded that they provide information including detail of their so-called claim, and took them up on their offer to identify the " original creditor '' and " current creditor. '' I have not received any response to my letter. 

Instead, I received a second letter, dated XX/XX/2019, telling me where to send my payment. The letter did not include any of the information I had demanded. I understand that this second communication violates the Fair Debt Collection Protect ion Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: The J. G. Wentworth Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2018 I was approved for a mortgage with JGWentworth. 
On XX/XX/XXXX I made an offer on a property and the seller accepted. 
I have paid {$500.00} for home inspection, {$550.00} for appraisal and {$500.00} for deposit. 
On XX/XX/XXXX we were suppose to go to settlement but we didnt. 
I had to sign an extension addendum for XX/XX/XXXX which settlement still didnt happen. I was told I needed to pay down 4 credit cards in order to get approved for the XXXX grant. I then paid {$1000.00} total for the 4 credit cards. Another extension was signed for XX/XX/XXXX which didnt happen because they ( JGWentworth ) told me I had to pay off my car note {$380.00} in order to go to settlement. I then found out that we wasnt going yet again because I was short {$1500.00} I needed to close. A new extension was signed for XX/XX/XXXX and still didnt go to settlement. I spoke to my lender to find out how much exactly did I need. Mr XXXX told me I needed {$6100.00}, he asked how much did I have and I replied {$5500.00}. When then had the seller sign another extension for XX/XX/XXXX. I have the {$6100.00} I need to close and now its another problem. They wouldnt accept the {$3000.00} gift from a friend in order for me to close and the seller had her agent email me a termination of the contract so that she can put her house back on the market. Due to the negligence of JGWentworth I am out of my money. I have done everything asked of me to get this done. Everything I have paid in order to get this property. Its not fair my money was spent on a property that I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XX/XX/2019 I spoke with TransUnion about disputing the hard inquiries applied on my report unauthorized. I was advised by both CSR and Supervisor that I can not dispute my inquiries with them unless I have my FTC information or police report. I submitted my FTC information to them on XX/XX/2019 as well as my report has fraud alert added and a security freeze. Also, when I was redirected and discouraged to dispute the inquiries and the concern, TransUnion told me to contact the creditors to dispute the unauthorized inquiries. However, Ive contacted only Five creditors so far and they redirected me to dispute it with the CRA. And some of the inquiries does not have an address and phone number to reach them for TransUnion to state that the inquiries are considered factual. Under FCRA section 604, Information regarding inquiries, Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insur- ance transaction that is not initiated by a consumer. My rights are being violated and want these unauthorized/fraudulent inquiries REMOVED.

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX-No phone number 3 ) XXXX XXXX XXXX 4 )  XXXX XXXX-on report 2x 5 ) XXXX XXXX XXXX-No phone number 6 ) XXXX XXXX XXXX 7 ) XXXX 8 ) XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXXs 15 ) XXXX XXXX XXXX-No phone number 16 ) XXXX  XXXX XXXX  These hard inquiries are hindering my ability to apply for credit. When I spoke with XXXX from XXXX XXXX XXXX, she stayed that the request was submitted by man at XXXX. Again, theres no number provided. I even XXXX the number and called had no response. I am demanding that TransUnion to stop violating people rights as a consumer and fix the problem and remove these items presented and they are suppose to investigate.

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 2021-05-03
Company: Square Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have been the victim of ongoing identity theft and people have tried opening numerous different accounts at different places using my personal information. After it happen the first time ( 5+ years ago ), I thankfully froze my credit and put a PIN on my IRS file. People have once again started using my information earlier this year to file a fraudulent employment claim, open several checking accounts and debit cards, a brokerage account, and a failed attempt to open a credit card. For the most part, I have been able to call the financial institution in question to get the fraudulent accounts closed relatively easily and in a fairly short amount of time and have received some sort of confirmation of account closure. The exception is CashApp by Square. Back in late XXXX, they mailed a fraudulently opened Visa debit card to a former address of mine ( thankfully it is my mother 's house ) that was issued under my maiden name. Immediately upon opening it upon the my next visit to my mother 's house on Friday, XX/XX/XXXX, I called CashApp to get the fraudulent account closed. It was very difficult to find any sort of phone number by which to reach them, but found a number on the sponsoring bank 's website ( XXXX XXXX ). Surprisingly, I got through fairly quickly and spoke to someone. However, he said I could not speak to a fraud team directly and he could not confirm whether there had been any activity on the account even if I provided him the card number. That seemed unfair to me, but he said he would send me an email where I could send the details and I would get a secure link to share the card details. I provided my email address and promptly receive a message from emailsupport@cash.app. However, I never heard anything else after that. I provided the requested summary of the situation via reply email the following day ( and the card data via the secure link ) and asked for written confirmation of the account being closed, confirmation of any activity on it, and ask that they flag their system so that no additional accounts could be opened with my name or personal information. Despite follow up emails to them, I never received a reply. Then, on XX/XX/XXXX, a second fraudulent card arrived at my mother 's house in my name. I spent all day today trying to call them back, to no avail. I called 17 different times between XXXX and XXXX XXXX today and received various different recordings that ultimately cut me off saying that no one was available to speak to me. Sometimes the recordings cited high call volumes, sometimes they referred me to the mobile app which I obviously do not have as I am not a customer, other times it just cut me off. It is unacceptable and unfair that there is not an easily accessible phone number for consumers to call to resolve issues of identify theft being perpetrated through their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to resolve & negotiate credit debts thru XXXX XXXX back in XXXX of XXXX. I provided all amounts owed with contacts including phone numbers, account numbers & balance owed. At that point they started deducting {$1600.00} a month, as the months went by I started receiving collection notes, then it went on to more aggressive means as I started getting served by the courts for creditors that had been provided to XXXX   when they started receiving funds. I sent all summons & letters to XXXX  believing they are handling my accounts for me. I started questioning what is going on & why did it get to the point of me getting served by the courts when XXXX has been deducting funds to negotiate & pay my creditors for many months ( about a year almost ). I asked for reports for many months from XXXX XXXX in which I would never get anything sent as to what the progress was. I requested many times for report as to what was paid to creditors. I finally received a report XX/XX/XXXX from XXXX who stated he was the new account rep, I immediately explained to him my concerns & wanted an explanation of where my funds have gone. XXXX sent report reflecting {$18000.00} that XXXX had deducted from our account. The report reflects XXXX is holding on to almost 50 % of the funds due to inactive debt which XXXX explained these are accounts that closed with no effort to reach out to my creditor. I took it upon myself to call all creditors & they said no one from XXXX has ever reached out to them to negotiate, they had no idea any company was involved to negotiate debt or work out a payment. The only ones who did get a call was XXXX, XXXX XXXX XXXX out of XXXX creditors that where submitted. I have requested to date from XXXX to provide me with what exactly was paid & to which creditor it was paid to. I am still waiting for the report. It makes no sense for me to get served more than 3 times by the court when XXXX should have been handling all the creditors from the get go. Now as a result of XXXX   negligence the balances & fees with these companies are much higher than when I submitted, they have caused more issues & made the debt worse then it was before I started out. They did not provide the services they advertise for debt relief, they made my situation worse. I need XXXX to take accountability & resolve the debts with the {$18000.00} they have received so far & provide proof they have resolved my debt with a feasible debt solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I qualify for a unsecured personal line of credit and because of insufficient credit history they said that they denied me. I have 11 years of credit history and a qualifying credit score. I determined based off of the systems algorithm that they use that I was denied based off of race. Im a business owner and I make sufficient profits enough to pay back the line of credit monthly. I just wanted to establish more credit. I feel that this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: BARCLAYS BANK DELAWARE
State: AL
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 made an online charge with XXXX XXXX for {$36.00} on XX/XX/19 expecting delivery within 2 to 4 weeks. I contacted the vendor after 2 weeks to inquire about the order and was told they were going out of business and the shipping was behind. I waited another 2 weeks and contacted them again. The vendor 's e-mail of XX/XX/19 ( attached ) from XXXX apologized for the long delivery times and stated that if I no longer wanted to wait for the order I could cancel it at any time. 
On XX/XX/19, I wrote an e-mail ( attached ) to XXXX to cancel my order and refund my {$36.00}. I notified Barclays-XXXX that I was disputing the charge since I had not received the merchandise ordered and was cancelling my order. They gave me a provisional credit. 

The same day, XX/XX/19 I received a vendor e-mail from XXXX stating, " We have received your request to cancel, '' which ended my order relationship with the vendor and any financial obligation to them for the {$36.00} and I should have received the credit to my account shortly after that. On XX/XX/19 Barclays charged the {$36.00} back to my account and closed the dispute! On XX/XX/19, I received a notice that Barclays was closing my dispute because they claim it was resolved! I called them and they said I would have to fax them proof that I cancelled my order with XXXX XXXX in order to reopen the dispute. I had to go find a fax machine since I don't have one. 

On XX/XX/19 I faxed Barclays-XXXX a letter explaining my case and sent them copies of all the e-mails between myself and the vendor to prove that I no longer had any obligation to them and cancelled my order. When I checked my account in XXXX I noticed that they still had not credited my account so I called the disputes dept and they told me they AGAIN CLOSED THE DISPUTE because the vendor told them they sent out a package in XXXX! I argued they can not close it because I had NO ORDER with the vendor after I cancelled it and they acknowledged it and I sent them the proof of it in black and white. 
Barclays is NOT acting in their fiduciary capacity towards me their customer and upholding their responsibility to me. I do not expect them to believe a fly by night vendor over their customer, since I had no expectations of a package nor would I accept any package from them after I cancelled my order. 

Thank you, 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 monetary relief
Consumer complaint received 2020-12-14
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
I RECIEVED MY REPORT FROM CREDO CORELOGIC AND DISCOVERED FRAUDULENT NAMES AND ADDRESSES ON XX/XX/2020

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 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Tried disputing a car loan that is marked at " charge off/ write off '' on my credit report- the man said he wouldn't do it and hung up on 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
Consumer complaint received 2019-04-12
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I received a letter from my mortgage services DiTech financial stating, Ditech has conducted a review of your mortgage loan ... ... the review determined that you previously paid  {$360.00} in excess post-petition payments ... .these amounts will remain on your account ... please consult your next monthly statement for detailed information regarding your mortgage loan, as this remediation May have changed your unpaid principal balance and/or the date when your next payment is due. I carefully checked the next two statements and went online and viewed my account in particular the transactions page which shows all money going in or going out of the account. This overpayment never showed up anywhere. I called Ditech several times since XXXX the second time I was told that an investigation team was going to track down where that money went. I heard nothing back each time. I checked every statement since that letter and never saw my money applied anywhere. Ive had two escrow analysis done since that letter both indicating a shortage hence my monthly payment increased each time. I carefully checked both of these analyses and that money was never applied to principle, interest, held in suspension, escrow or anything else. The last time I called I was on the phone for 2hrs and 44min. This woman XXXX ext. XXXX Bankruptcy customer service, looked everywhere for this money. She even went back prior to the letter to see if they lumped it into some other amount. It just wasnt there. She spoke with her supervisor XXXX twice and checked a few other places it may have been that ( she ) I didnt know about. Still couldnt find it. A concerning fact is that she told me that there were NO other notes on my account about previous calls or investigations or research of this matter! XXXX was doing her best but it appears that money was received by Ditech, it belonged to me, they acknowledged it belonged to me, they have the money and have not returned it to me. XXXX attached the letter to an order to elevate the matter to the bankruptcy team. She swore she would call me back later that day or the next day ( call was made XX/XX/XXXX ). Big surprise they never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation