BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
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:
Hello On XX/XX/2020 i applied to the workers XX/XX/XXXX XXXX XXXX XXXX to consolidated some of my credit cards. XXXX granted me the loan and send the checks via US Mail. On XX/XX/XXXX I went to the post office in XXXX XX/XX/XXXX and send the check to American Express to this address : American express XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I let a few days pass and I went to check online if American express had received the payment {$1300.00} and I see that nothing had been credited to my account. I called American express and they told me that they have no received the payment, I called XXXX and they told me that American express cash the check on XX/XX/XXXX and XXXX send me via email a copy of the check. 
I contacted American express and send a copy of the check via email through my account and they open a dispute. 
American express never send to me a letter explaining about what they found or what the conclusion was. 
American express only put online that I owe the same amount of money and that I have to pay {$110.00} by XX/XX/XXXX. 
XX/XX/XXXX between XXXX to XXXX I called American express and the representative ( XXXX ) told me that they never received the check and that I owe the amount of {$1300.00} I need Help Please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a paycheck from my job on Saturday XXXX XXXX when I received it by mail. Their website states that checks will be deposited into accounts after XXXX hold period. I called Monday to see if my check funds could be released and was told it wouldn't be a problem since my account has been open longer than 6 months, but to call back Tuesday morning since my XXXX hrs didn't start until Monday ( business day ). I called back Monday at XXXX and was told again that it won't be a problem, but call back after XXXX to have the funds released. I call back at XXXX and am told no, they will not release the funds until Friday, XXXX XXXX. I asked to speak with the Manager who says she can not give me a reason why the funds won't be released and laughs when I ask to escalate the call further. She wouldn't give me any complaints department info and only gave me the corporate mailing address to write a letter to complain. I even expressed that continuing to hold my funds will make me delayed further in paying my rent which is due by the XXXX, causing me to incur fees and face an eviction letter. Still no response from Capital One as to why my funds will not be released. I have submitted an email complaint and contacted them through social media with no response. I have deposited at least 5 checks before this, that were hand written personal checks with no hold period longer than 48hrs. This is a printed payroll check with document authentication drawn from XXXX & XXXX, paid by a reputable non-profit organization signed by XXXX. There is no reason I should not have access to the funds after 72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have contacted transunion several times about these accounts that is being reported negative and verified i have asked them in a certified and notarized letter to please show me a signed contract with my name on it. and to show me proof on how the information was verified. They continue to send my reports back saying updated and verified. I have contacted transunion onXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( online I disputed these accounts ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. ( certified and notarized mail ).

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 2020-09-09
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are reporting inaccurate information on my credit reports.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: GA
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:
I have 8 inquires on my credit reports from companies i never did business or re-apply for any other services from them on my XXXX I have 5 companies i never gave permission on did any business with XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX. XXXX i have XXXX, XXXX, & XXXX also same companies are on my Experian XXXX, XXXX XXXX XXXX so i would appreciate your assistance in getting these companies remove from my credit report 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 non-monetary relief
Consumer complaint received 2019-02-24
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Approximately, XX/XX/2019 I received a wire transfer via another PayPal member. After trying to withdraw those I was told there was an " issue '' with my account and I needed to be verified. Over the course of three days I've been on hold with this company for over 4 hours with the reps telling me to " call back tomorrow ''. I've verified who I am through several transactions, account history in addition to credit report inquiries. Still, I'm told " there's something wrong ... you're going to have to call back tomorrow ''. Each day the wait to speak to a live representative gets longer and longer in addition to the {$100.00} my friend has wired me the balance is now {$96.00}. I've asked them to just close the accounts and mail the balance, again, " call back tomorrow ''. This is unacceptable ( especially for someone that's almost XXXX months behind on their mortgage due to the government shutdown. This friend was just trying to help and send what he had ... this has now turned into a nightmare ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 talked to several people at Transunion and explained that the inquires on my report that they have not deleted per my request that this is all Fraud.

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 2020-07-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I requested for a removal of interest fees when I wasn't able to pay my balance in full. My history of payment will prove that I was paying my balance in full until this shelter in happened that caused me to lose income and could not afford to make payments in full. Though I made some partial payments during those months and finally settled it last XX/XX/XXXX. The only balance I have now is the {$12.00} which is the amount of 2 interest charges for 2 months. That is the only amount I am requesting to be removed. I called TJX REwards / Synchrony Bank but did not give me any consideration.

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 2017-09-14
Company: COAST PROFESSIONAL INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Coast Professional, Inc : This letter is being sent to you in response to a notice sent to me on ( XXXX/XXXX/XXXX ) Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX XXXX ) This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, Your Name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 an entry on my Transunion Credit Report about a {$250.00} debt to XXXX ( Acct # XXXX ) which appears to be in collections. I do not own such debt and it does not appear in my other credit reports.

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 2019-02-24
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Re Account # XXXX at BB & T Bank BB & T Bank has refused to close my deposit checking account and has charged service fees even after a written request to close the account was submitted. BB & T further will not allow me to withdraw funds from the account using bill pay, debit card, or check. 

On XX/XX/19, I sent a message to BB & T Bank via their secure online message center. The message stated " Hello. I'd like to close my BB & T deposit checking account : XXXX. Thank you, XXXX XXXX. XXXX. '' They have refused to close the account. 

On XX/XX/19, the account still hadn't been closed and I was assessed a {$12.00} " MAINTENANCE FEE. '' I followed up again asking that BB & T close the account and reverse the fee since I'd submitted a written request to close the account five days earlier. They refused to reverse the fee and again refused to close the account. 

I've since followed up multiple times asking that the account be closed and that the matter be escalated to a supervisor for resolution, but they have continued to refuse to resolve the matter.

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 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
Bank of America allowed someone to fraudulently withdraw via ACH payment refund {$2900.00} on XX/XX/2020 and {$670.00} on XX/XX/2020 from my credit card. I did not authorize this transfer. The amounts were diverted to an unknown bank account. I have attempted to rectify this with 31 phone calls to Bank of America. Bank of America states that someone called in to them in XXXX prior to the transfer, fraudulently claiming to be me, stating my house had burned down and they needed money from the card. This is false and fraudulent activity. On XX/XX/2020 the money was returned to my card and I received notification that the issue was resolved. Then on XX/XX/2020 the amounts were added back on my account. Upon contacting Bank of America I was told that my fraud claim was denied as I had made the bank transfer which I had not. I do not know where to go with this as no one at Bank of America seems to have the desire to assist getting this fraudulent situation 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 monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX ACCOUNT NUMBER # XXXX OPEN DATE XX/XX/2007 {$32000.00} THIS IS NOT MY ACCOUNT I WAS NEVER IN THE MILITARY OR NOR DO I HAVE A BANK ACCOUNT WITH THIS BANK I NEED THE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
So for the past 4 months now I have been actively trying to work with freedom mortgage loss mitigation department in trying to find a way to get back on track with my mortgage and every time I call it's always a different excuse I have been working with my regional veterans affairs mortgage representative that I was assigned and on XX/XX/2022 I resubmitted there packet as instructed and the VA representative got a 30 day extension giving the lender ample time to review the packet and correct the mortgage loan but instead of them doing there jobs they never reviewed the packet which the VA representative has all the correspondence between them where the extension was approved for this purpose but instead of them reviewing the packet and moving forward with fixing the mortgage loan they just ignored the packet and the extension and went through with the foreclosure sale inside of the 30 day extension that was approved and they never sent out the letter stating the date and time of the sale to me so I feel that I am being discriminated against and unlawfully treated on the grounds that I am a XXXX veteran

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 2019-10-31
Company: WELLS FARGO & COMPANY
State: IN
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:
Someone trying to open account in my name from Wells Fargo If more information needed let me know

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 2023-03-22
Company: DISCOVER BANK
State: NV
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:
In XX/XX/2022 I became very very ill due to XXXX XXXX and fell behind my payments for my Discover card in XXXX and XXXX. I received accommodation from Discover by waiving my late fees. According to XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( l ) states the following : the furnisher shall report the credit obligation or account as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Hilco Receivables LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I like many other service members have been taking advantage of by XXXX XXXX. When I initially signed up with this company I was told I had a warranty on any of the products that I purchased with them as long as my account was current and I have a balance. When I tried to use that warranty it is not being honored I have always made my payments on time and fillies my end of the contract but they havent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I file a late payment dispute online on XX/XX/2023 with XXXX on CAPITAL ONE card. I found late payment on my credit report, but according to law. I am a consumer and therefore they can not be putting negative statement on my consumer report. 15 U.S. Code 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is against the law for XXXX or XXXX to be reporting late payment on my consumer report. I ask them to please remove the late payment information from my consumer report. This is hurting my report. This is causing me to deny of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Unisa, Inc
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Complaint Pertaining To : Collecting account information from and having contact with the owner of my student loan, UNISA , INC. ( www.unisainc.com,  XXXX ) I am extremely concerned about fraud with this company. 

On XX/XX/XXXX, I signed a disclosure statement at XXXX XXXX College of XXXX stating my understanding of undertaking a Federal Perkins Loan for {$3500.00}. Initially, the loan was owned by XXXX XXXX XXXX ( XXXX ), but was transferred to UNISA , Inc. on XX/XX/XXXX. 

Besides an initial letter and one quarterly statement I received on XX/XX/XXXX, I have received no correspondence from UNISA , Inc. They have a website, but it's links are non-functional. I emailed them earlier this month ( more than 14 days ago ), and no one has contacted me. No one answers their customer service line. I can not log in to their website because the website is telling me I have no account, but the link to create an account does not exist. All I want is access to my account to ensure that I have full understanding of how my payments ( which come out monthly despite not being able to contact the company ) are being applied to my loan.

Please investigate the legitimacy of this company and advise on this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collector Company - AFNI Billing Company - XXXX Amount - XXXX Hi, i have a debt collection from afni regarding my XXXX account for the address which i left in XX/XX/2018 and as per XXXX internet was started again on the address and they i have to pay the amount .I provided them my lease agreement for the the place where i was staying but as per them even its mistake by them i owe them money .please help me on this matter.

Company response to consumer: Closed with explanation