BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: HOME BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my Centennial Bank debit card on XX/XX/XXXX, and when I discovered the debit card missing on XX/XX/XXXX I called Centennial Bank to report the debit card lost, and to file a claim for eleven unauthorized transactions. Afterwards, I received a letter dated XX/XX/XXXX, which stated Centennial Bank wasn't going to credit my account for the transactions in question because of a determination no error had occurred. Consequently, I filed a complaint with CFPB on XX/XX/XXXX. I received a letter from Centennial Bank which stated an additional review of the fraud claim was conducted, and a decision was made to credit my account for eight of the eleven unauthorized transactions. Centennial Bank wouldn't credit my account for the remaining three transactions because the merchants were able to confirm my physical presence with a match of my identification provided the bank ( see the attached letter from Centennial Bank dated XX/XX/XXXX ). Centennial Bank wrote that videos are available for viewing from the three merchants in question. However, I called the merchants to ascertain if I could view the surveillance footage and was informed that only law enforcement could view the videos, or a court writ would have to be provided. In addition, there is the mention that someone who was spoken with at one of the merchant 's remembered having a conversation and the merchandise that was purchased. The same merchant was able to match my description with the photo ID on file at the bank. The problem with this statement is that I never did business with this merchant. Also, in regards to the financial institution having my ID on file, I don't recall ever providing my ID to the bank, as the checking account was opened online without a photo ID, and when the claimed was filed I didn't provide a copy of a government issued ID. 
Next, I don't understand how Centennial Bank can acknowledge that I was a fraud victim for eight of the transactions, but not the remaining three. Two of the transactions that are still being disputed occurred on XX/XX/XXXX. Accordingly, what the bank is saying is that the debit card was lost before the first two unauthorized transactions on XX/XX/XXXX, came back into my possession for one non-credited transaction on XX/XX/XXXX, then was lost again for six fraudulent transactions, followed by two remaining non-credited transactions on XX/XX/XXXX, which the bank says were made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been receiving repeat threats from a company called the XXXX XXXX XXXX. I have sent 3 different debt 609 validation letters to this company without a response. However today I received a call from this company and spoke with a XXXX XXXX who proceeded to be very rude and say this debt was mine and I made payments on this card and it is mine. I advised him that this debt was not validated properly. He advised me that the debt was mine and that I needed to pay it with very abusive and threatening language. I asked him was he allowed to even licensed to collect a debt in my state and he refused to answer my question. He told me that he would update my account as a refusal to pay and that they would keep calling my phone. I am outraged that this is happening to me and that I am being harassed in such manor. I did not give this company permission to call me or place this debt on my credit and this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
Santander Consumer USA is reporting a debt of {$17000.00} with a date of last activity of XX/XX/XXXX. In accordance with Texas Law they have gone beyond the statute of limitations to legally collect the debt and made no effort to do so. They continue as of today to report the debt on all three credit reports. This is reporting of zombie debt, a violation of FCRA and Texas Law. I sent them a letter on XX/XX/XXXX demanding the cease reporting the debt and delete it from my credit report. They refused to comply and continue to report the debt in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: NC
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:
I have reached out to Equifax on several ocassions trying to access my credit report online bc there are numerous inaccuracies including one showing I have an address from NY which I have NEVER resided in NY yet Equifax continues to report it and refuses allow me access online to my credit report. 

I submitted a XXXX complaint and their response was " based on information provided when you signed up we have blocked your online access '' ... .the phone reps basically tell me to literally mail my ss cars and dl photo to some XXXX XXXX and that I can dispute stuff through the mail. Yet whenever I call their automated svc can literally verify me. 

They refuse to give me any type of online acct and it is causing issues trying to purchase a home. They refuse even tell me WHEN this information supposedly was given or what it was. The phone reps are overseas and dont help at all. 

I tried to resolved it thru the XXXX  to no avail. This is my next step. Equifax doesnt even list their legal departments address to send a motion to compel should I decide to pursue action from the courts. 

All I want is access to my ONLINE account. The fact Equifax is not allowing it and will literally only mail me a credit report is nothing short of a power and control move by them. The other 2 reporting agencies have no issues and their information matches each other yet Equifax has wrong addresses, old accounts and even duplicate accounts and refuses to allow me online to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Kirkland Asset Management LLC
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received a couple calls from XXXX " Kirkland asset management '' stating that I defaulted on a payday loan through XXXX web loan. And if I dint call to resolve it they would seek other action. When you call the number they just answer " hello '' not a professional business type of greeting I would think you would get. After I told them I believed it was a scam they got rude with me a sent a letter " verifying '' my debt to my email when I said I had the right to receieve proof of debt owed. But when I called XXXX web loan they said it had been sold off to XXXX XXXX XXXX who when I called answered the same way hello and when I asked questions they were stumbling to give me a response. I do n't believe I have ever even taken a loan from them. I may have attempted to get a loan from XXXX web loan but when I was either denied or not offered the amount I needed I did n't follow through with the final stages of it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: JPMORGAN CHASE & CO.
State: NJ
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:
XXXX refuses to take my identity theft report which indicates that the Chase account is a result of Identity theft. XXXX keeps claiming that it is not identity theft when there are multiple reports and also there is an FTC report which they keep on turning a blind on eye too. I already told XXXX and Chase that I refused to pay for something that is not my fault nor is it something I caused. I believe XXXX and Chase have a secret agreement because XXXX is the only one who is foolish enough to keep this game going on and they are messing with my life personally because they are making it hard for me to get credit in my name that is actually mine. XXXX needs to Remove the Chase account from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX pa and XXXX I have a credit freeze with Transunion. I have worked hard to get to 0 hard inquires and a credit freeze is suppose to stop all creditors from pulling my credit. Well I had 6 in last week and this is with credit freeze. This is against the law and they moved company to XXXX and they are XXXX and liars. 
Fair credit reporting act section 604 says they have to verify that they will have to show evidence I did this which nobody should be able to do this with credit freeze and the fcra 604 says that have to prove this. I sent paper work in and they admit they don't know how it got through there system so it has to be through XXXX doing this. 
I want these fraud 6 hard inquierysoff my report now. Credit freeze should have stopped this but these lying XXXX says I have to prove I made inquierts but that us not are federal law.

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 2018-05-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/XXXX I made a payment. I expected the payment to be applied to my balance with a 0 % APR that expires on XX/XX/XXXX. At the time, I had three promotional balances. One at 0 % APR expiring on XX/XX/XXXX, one at 0 % APR expiring on XX/XX/XXXX, and one at 3.99 % expiring on XX/XX/XXXX. 

I expected my payment on XX/XX/XXXX of {$3300.00} to go towards the promotional rate expiring on XXXX XXXX, XXXX. But it was instead applied towards the balance with a 3.99 % rate. I called Sears credit card customer service, and they informed me that the payment is always applied towards the highest interest rate. So I did research, and I found several articles stating that the CARD Act requires payments to be applied to the highest APR first, then towards the remaining balances. But I read that the last two payment before the expiration of the promotional rate would be applied to the expiring balance. 

So on XX/XX/XXXX I made a payment {$3300.00} expecting the payment applied towards the promotional rate expiring on XX/XX/XXXX. But when the payment was applied, it went towards the promotional rate expiring on XX/XX/XXXX. 

I again called Sears Customer service, credit card is issued by Citi Bank, and again the representative told me the payment is applied towards the highest interest rate first. I was unhappy, and I requested to speak with a manager. The manager came on the line and I explained that I wanted to apply my last payment towards the expiring promotional balance. The manager, told me the same thing that the payment is applied to the highest rate due to the law. He said my balance was not a promotional balance, but a balance transfer, so the payment would apply to the highest APR balance. He kept emphasizing that I had balance transfers and not a promotional balance. But when I check my account online, it is clearly described as a promotional balance. 

By not applying it towards the expiring APR balance, the interest rate will jump to the standard interest rate will be 26.74 %. The manager explained that I could have waiting for the expiration date to pass and then my payments would have been applied to the balances I wanted. But this is not right. I want to apply the payments to the expiring promotional balances. 

I've recorded the call, and I have screen captures of my account clearly stating that these are promotional balances. 

I have already informed the manager that I will pay off the balance and cancel the credit card.

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 2019-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
capital one bank usa na # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XXXX XXXX I am a authorized account // I didn been late at this account ... and I got in my report that im late for 30 days /// and they will removed by XX/XX/XXXX I need that information removed on my credit report I have a excellent report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: OH
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:
I'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.

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 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying for months to dispute a lot of the information that the company still has on my credit report. When I try to login it shows me a error message of the page not being found and then Im directed to purchase a membership that I do not want. I have called several times to correct this issue because all of my evidence is located within my phone. The issues is still not remedied. I recently disputed the same issues through XXXX and the items on my report went from 22 to just 9.

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 2016-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I Had wellsfargo accounts from the time I was XXXX years old to about I was XXXX years old. I believe I closed all of my WF accounts aobut 3-4 years ago. I kept noticing fee 's that were being charged to my checking and bill pay services that should have been free. I called and got some back, then month later I relized i was still being charged fee 's. They forced me to close my old accounts and reopen new ones to " Waive fees '', then I was still charged fee 's. I also had a credit card and savings with them, however i never looked much into those accounts but I do believe I did not catch all of the fee 's.

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 2020-06-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened an account in XX/XX/2018 with SYNCB/XXXX XXXX XXXX with Synchrony Bank. And out of no where I received a letter saying they have decided to close my account but my balance is still due. Reason : Balances on Accounts too high compared to credit limits and loan amounts. Now please keep in mind we're in a PANDEMIC affecting the worldwide nation. I'm calling a attorney today.

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 2020-08-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Company is failing to adhere to its own stated timelines regarding the processing and resolution of a Purchase Protection claim, as submitted to AMEX XXXX XXXX, a coverage offered and marketed to me as a Cardholder. This is despite every attempt on my part to facilitate the process, and no reasonable explanation for a delay. Please see attached letter and documentation for complete explanation of issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11
Company: Stuart-Lippman and Associates, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been dealing with STUART-LIPPMAN & ASSOCIATE INC, I  sent a debt validation letter on to them certified mail return receipt on XX/XX/XXXX, and never received any response from them. They received the certified letter on Monday, XX/XX/XXXX. As you can see in my letter I have asked for validation, bearing my signature, showing that I have or ever had some contractual obligation to pay Stuart-Lippman & Associate , Inc. This negative mark found on my credit report from this company is a violation of the FCRA & FDCPA. I never received the paperwork as asked. I have asked XXXX to validate the debt bearing my signature and ask for a method of verification, and still nothing. Yet every month it is on my credit report paid was a collection. This debt is not valid or have been validated bearing my signature, and should not be on my credit report. If STUART-LIPPMAN & ASSOCIATE INC can not provide all the validation this account MUST be DELETED. XXXX deleted the account as they found there was no validation of the account. This account was closed XX/XX/XXXX Also, reporting a debt to the credit reporting agency, XXXX that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ),  and carries a fine to be paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
XX/XX/XXXX Made purchase online for a tire, order # XXXX Dollar amount {$260.00} XX/XX/XXXX Received the item, but it was the wrong size XX/XX/XXXX Informed seller item was incorrect, they offered to exchange XXXX, received no further info from seller, initiated dispute with BOA card services XXXX Returned the wrong item, with tracking info to address provided XXXX Received conditional credit from BOA XXXX received confirmation from XXXX ( returned ) item was delivered and signed for XXXX Additional information to support my claim requested by BOA XXXX Requested info mailed to address provided XX/XX/XXXX BOA responded that the dispute was denied XX/XX/XXXX Claim reopened XXXX Claim denied again XXXX I called to speak with BOA, " XXXX '' , then " XXXX '' -She listened to the details, reviewed and agreed that it was clear that I had proven I returned the item, and had not received credit-she was to forward along to claim investigator dept. 
XXXX agreed that it seemed BOA was not acting in the interest of the consumer ( me ) XXXX BOA claim re-opened XXXX Claim denied, " we consider your claim resolved and we won't respond to any further correspondence relating to this claim ''

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 2018-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been overseas playing XXXX XXXX in XXXX when I started noticing random accounts appearing on my credit. I am not sure how someone could've gotten a hold to my personal info but my credit has definitely been compromised. I have no knowledge of who exactly could have done this. On my credit it states that this account was opened in XX/XX/2012 but I didn't notice it till a couple years later due to the fact that I don't use my credit as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I refinanced my loan car with XXXX XXXX credit union on XXXX XXXX. A payoff check was originally sent out on XXXX XXXX it was discovered that the check did not get received at the address provided them for payoff. XXXX XXXX put a stop payment on that check and reissued a new payoff check has not been reconciled so today is XXXX XXXX and stillwells fargo did n't receive the payoff so now I am penalty with almost 90 days with wells fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief