BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
PLEASE NOTE, I HAD MISTAKENLY UPDATED MY SPOUSE DL ON MY PREVIOUS APPLICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my mortgage with my bank XXXX XXXX. I get a call from Newamerican funding asking to help with my refinancing. She stated that she is with XXXX XXXX XXXX XXXX  verified that they are part of their system today. NAF stated gave me an approval for my 20 yr term with a better apt but are going to charge me more for the loan. 2 days ago she send me a new loan estimate stating that the closing cost went up but did not explain why. I realized today that their loan is worst then my original loan and I want to file a complaint about Newamerican funding. I am trying to get a comparison and I did not get that. I am getting ripped off from NAF and I dont want to deal with companies that think that this is ok. She is taking advantage of the fact that I did not know what was going on. I will include all 3 loan estimates from both companies. Please review. I will try to close out the Newamerican funding loan but what happens if they wont let me who can I call for help in this. I will have to talk to a lawyer now to remove them from my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, 2017 I applied for a credit card through Wells Fargo. My application decision was initially delayed. I eventually received a credit decision by calling the automated application status line and was approved. This decision was made within 48 hours of my application.
<P/>
On XXXX XXXX, I noticed through Wells Fargo 's online portal that my new credit account had been closed without prior notification. On XXXX XXXX, I sent a message through the online portal inquiring why my account was marked as closed and was told to call and speak in person with a representative.
<P/>
On XXXX XXXX, I called and spoke with one customer service representative to learn more about the situation. Through this interaction, I learned that Wells Fargo 's " executive fraud department '' had flagged my account and closed it. I was then told to wait for a letter in the mail detailing the reason for this closure.
<P/>
On XXXX XXXX, I called Wells Fargo again to inquire more about the situation and see how it would be reported to the credit bureaus. I was told that if I still wanted the credit account, I would need to fully apply again. I was also told that this account would still be reported to the credit bureaus as opened for one month, despite the fact that I never used the account and had never even received the card for the 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 2017-12-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.

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 2022-02-16
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Well the reason for this message is concerning a serious matter about an atm deposit. On XX/XX/XXXX, about XXXX central standard time, i deposit {$1400.00} dollars at the ATM on XXXX XXXX XXXX XXXX, XXXX, Ky XXXX. After I placed the money Into the atm I get a temporary unavailable message displayed crossed the screen. I assumed my money was deposited to my account so I decide to do another transaction and withdraw {$20.00} dollars. I received a receipt after this transaction and I noticed the 1400 from the previous transaction was not credited to my account! I immediately called customer service to file a dispute. Monday morning I went to the branch where the incident occurred and they filed a dispute. How come the branch manger didnt count the money In the atm to see they had extra money! Im sure with todays technology it doesnt take days to notice any type of technical problems concerning a banks money! So how is it taking so long to credit my account with my money? That money was for my rent and utilities bills! Now Im hit with late charges b/c of a bank I TRUSTED took my money and its concerned not taking this matter seriously! Im in danger of disconnect of my utilities and late charges accumulating everyday. feel like my situation isnt being handle in a timely manner. Seriously, like how long does it take a bank to count the money in the atm to see if they received money that didnt go into an account or wasnt withdrawal from anyone account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: GA
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: Billing dispute for services

Complaint:
PURCHASED XX/XX/XXXX USED XXXX XXXX XXXX FROM XXXX XXXX XXXX IN XXXX GA, XX/XX/XXXX. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO EQUIFAX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR XXXX XXXX XXXX IN XXXX GA. I AM XXXX XXXX XXXX AND XXXX VET. HAVING 2 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
This is new and relevant information about my ongoing dispute with XXXX XXXX. I was a victim of identity theft which resulted in fraudulent accounts being opened on my behalf. I filed a FTC report and I sent XXXX XXXX the Identity Theft packet. I have requested that the Cease and Desist communication with me which include all mediums such as reporting to my credit bureau. I am a federally protected consumer and XXXX XXXX is violating my consumer rights under the FDCPA still contacting me sending me bills, requesting payments and reporting a fraudulent account to my credit file. They are also violating the FCRA, permissible purposes. It is my right to decide what I want reported on my credit file. I never gave XXXX XXXX permission to report anything on my behalf. I demand that they stop all reporting to all CRA 's and remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I own a small XXXX XXXX XXXX. I have a Citi Visa Costco business card. Costco used to have Amex then the moved my account to Citi Visa. After Citi took over the account did not follow through exact terms as Amex. Right away Citi lowered my credit limit and made huge amount due immediately. <P/> In fact,  without my permission they withdrew an amount of {$21000.00} which caused me huge struggle for pay realtor commissions, employee salaries and other bills. I keep calling Citi then after couple weeks later they refund me the money. I set an amount of {$2500.00} to be withdraw every month automatically from my account so that it covers my minimum monthly payment plus little toward principal so that they wont withdraw entire amount due. Then again without my permission they withdrew {$17000.00} and put me in very stressful financial burden. I have been keep calling and after 3 weeks they refund me the money. I finally had to stop the automatic withdraw.
<P/>
I sold a land during this time and had an amount of {$10000.00} and I offered Citi to settle my account. When I proposed this in XXXX 2017 from that month on Citi without my permission raised my interest rate from 12 % to 25 % without any written consent or warning. I am trying to get help with my debt situation instead Citi making it harder to pay off my debt by raising interest rate and not wanting to settle. I have been calling every month since XXXX 2017 for a settlement offer but they keep denying it and raising my interest rate causing my balance to go up even more and more every month.
<P/>
I need help immediate and have citi offer me a fair settlement and stop doing predatory lending raising interest rate more than double without any warning or written consent.

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 2017-12-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This company is not licensed in Florida and this should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported an unpaid medical debt to the 3 major credit reporting agencies. I recently was denied an extension of credit because of this information. I have contacted this company at multiple addresses since as early as 2016 and they refuse to validate the debt. 

I went to the hospital that allegedly provided services to me and the date of the services allegedly provided was a date that I could not have been provided services as I was in California. 

This company is reporting the false debt under 2 different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I never made a payment to  XXXX   XXXX   XXXX . They are a  3rd  party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.

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 2022-02-16
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
This is new and relevant information about my ongoing dispute with XXXX XXXX. I was a victim of identity theft which resulted in fraudulent accounts being opened on my behalf. I filed a FTC report and I sent XXXX XXXX the Identity Theft packet. I have requested that the Cease and Desist communication with me which include all mediums such as reporting to my credit bureau. I am a federally protected consumer and XXXX XXXX is violating my consumer rights under the FDCPA still contacting me sending me bills, requesting payments and reporting a fraudulent account to my credit file. They are also violating the FCRA, permissible purposes. It is my right to decide what I want reported on my credit file. I never gave XXXX XXXX permission to report anything on my behalf. I demand that they stop all reporting to all CRA 's and remove the accounts.

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 2021-09-21
Company: JPMORGAN CHASE & CO.
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:
I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: BARCLAYS BANK DELAWARE
State: NJ
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 have an Uber Visa credit card that earns cash rewards. On XX/XX/XXXX, i was notified via email that i redeemed my cash into my XXXX XXXX. I did not initiate this rewards transfer and when i called Uber on XX/XX/XXXX, they mentioned it was two policy changes : 1 ) cash rewards can not be applied as a statement credit and only a credit to the XXXX XXXX, 2 ) rewards will be auto redeemed over {$50.00}. I do not recall being notified of both of these changes. I have this credit card solely for the purpose of cash redemption against my statement charges ( not for the XXXX XXXX  ). I feel tricked into this change, as i would've immediately applied the cash balance to statement credit if i had known of these changes were happening and then would've closed the credit card. 

On XX/XX/XXXX, i spoke with representative XXXX and she mentioned these policy changes took effect in XX/XX/2021. I did not receive any of these notifications.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they arein violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care 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 non-monetary relief
Consumer complaint received 2021-09-21
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
To Whom it May Concern- I responded to an American Express XXXX XXXX XXXX XXXX credit card on XX/XX/XXXX. The offer specifically promised XXXX XXXX XXXX if I spend {$3000.00} in the first the 3 months of opening the card. This XXXX reward point offer was active as far back as XX/XX/XXXX. 

This same offer is being advertised on the American Express website as today, XX/XX/XXXX. I spoke to XXXX from American Express today and she claims the XXXX mileage point offer doesn't exist. Even after I directed her the AMEX website, she claims the offer did not exist at the time I opened the account. I have photos of the website from XX/XX/XXXX that clearly shows the offer DID exist when I opened the account. This is clearly a bait & switch fraud being perpetrated on me by AMEX. 

I've been a loyal AMEX customer since XXXX and never missed a payment. You can reach me directly at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
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: Account information incorrect

Complaint:
I never made a payment to  XXXX   XXXX   XXXX . They are a  3rd  party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/2021, Capital One Bank denied the NYS Department of Taxation the right to withdrawal my quarterly sales tax payment resulting in a {$2300.00} fine for late payment. The bank had accepted fault and had launched an investigation which is still ongoing a full calendar year later. Every time I reach out to find out the status of the investigation, I am told that no new news is available and they are still working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: OK
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:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they arein violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care 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 non-monetary relief
Consumer complaint received 2021-03-24
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX. XXXX and XX/XX/XXXX XXXX XXXX sent a letter requesting verification and validation of account and there was no response. In addition this company is reporting inaccurate information on my credit report. The date of last activity and the last payment date is incorrect and is showing different on all 3 credit bureaus. 
Validation letters was also sent to the 3 credit bureaus and was not verified or validated correctly in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation