BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2018, my daughter attempted to withdraw {$200.00} from a XXXX ATM XXXX XXXX XXXX XXXX Texas from my American Express Serve, prepaid card. The ATM displayed several error messages like card reader issues. Her last attempt she stated the machine made sounds as if the money was transmitted, however the cash never dispensed. I contacted American express and initiated a dispute. I faxed the required documents at least twice within the ten day time frame. On XX/XX/18 American express completed their investigation stating the ATM confirmed the withdrawal. On XX/XX/18 while using the same ATM the machine displayed the amount requested of {$500.00} was too large, I then requested {$400.00} and the same message appeared. I lowered my request to {$100.00}. The machine made sounds as if the money was dispensing. Took longer than normal. Finally a message appeared on screen stating they could not dispense the cash and to contact my bank. I contacted American express again regarding both transactions and I am awaiting response. I attempted to contact them on the first dispute but their automated phone system continued to drop calls. I also requested a copy of their investigation report and have been refused that copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CITIBANK, N.A.
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:
On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on XXXX XXXX and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter. 
Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report. 

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of best buy and who i trusted with the information that was given to me. I did end up getting the XXXX computer at a later date which was my intention i send a copy of the receipt. 

It would benefit both the company and the customer best interest if best buy could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit best buy when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with best buy any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made. 

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as best buy could fulfill the request of their customer and to rebuild that relationship with 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 2020-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account had a final balance of {$18.00} in XXXX and it was due on XX/XX/XXXX because it was paid on XX/XX/XXXX not even 30 days late they Capital one charge a {$25.00} late fee, the same thing this month due the XXXX not even 30 days late and they charged me {$25.00} late fee this account balance of {$18.00} was paid off in XXXX and should be closed. How is capital one able to charge a late fee when its not 30 days late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My Credit Report on Experian and XXXX are inaccurate and showing false information. Includes address and employment...etc.

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 2020-07-20
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I opened an account with Chase bank and funded the account making a direct deposit from XXXX XXXX  after that i tried to make a wire transfer and my account was locked i have called several times but they say i need to go in person to a branch to authenticate myself and i have told them i am currently outside US and not able to travel due to COVID-19. I have also requested the direct deposit to be reversed so i can get my money back but they say that is not possible. 
Now i don ; t have access to te account and no way to have it unlocked and my money is stuck there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Re LDV File No. XXXX The above referenced firm Lyons , Doughty & Veldhuis falsely filed a court judgement against me in XXXX of 2014. Rather than fight the matter further in court, I agreed to a repayment plan effective XXXX XXXX, 2014. Payments have been made faithfully since that date on a monthly basis, and in some cases two months payments were made. It appears that these payments may have been recorded incorrectly prompting the firm to send me a certified letter ( attached )  indicating that a Notice for Execution Against Wages, which could have possibly resulted in the termination of my employment. Given the gravity of these implications, I felt my XXXX XXXX XXXX and began to immediately feel XXXX XXXX. I was able to gather myself to call LDV and review my payment history with them to which a XXXX . XXXX XXXX was very kind and attempted to calm me down, and told me I had nothing to worry about, then proceeded to force me into a new agreement that would double my monthly payment. I also reiterated that none of this would have happened if they set the account up on an auto deduct from my bank account, however, they said that this could not be done. The matter was unintentionally made worse each time XXXX XXXX referenced a judgement that was still unresolved. At this point the damage that this very threatening letter was already done. I will be heading to a clinic now to have my XXXX XXXX checked or to determine if I need to go to an emergency room.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Colony Brands, Inc.
State: AR
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:
XXXX ARE FALSELY REPORTING THIS ACCOUNT ALL BUREAUS FOR DECEASED CONSUMER AND IS REPORTING IN VALID ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I banked with USAA bank back in XXXX. They closed my account one day out of nowhere without any explanation. I lost my card once or twice while being with them and one of the times I believe it was stolen and used by someone else. Shortly after i received my new card i went into a store to try to make a purchase and was told my card has been disabled indefinitely. I was unsure why this was happening so i called and they only told me " security reasons ''. I again called a few weeks later and the same was said, only this time i asked how long it would take and they basically said it wouldn't come off anytime soon. And that in the meantime " try to stay clean, make payments on time '' and things of that nature. I am completely confused at this point. Now XX/XX/XXXX i am in need of some affordable car insurance and i want to take advantage of my mother 's veteran status. She recommended i try USAA again and still after two years the same nonsense. They go as far as to tell me they want no dealings with me because " they took a loss ''. I am completely uncertain as to what loss they are talking about because anything the person did who recovered my lost card has nothing to do with me. I ask for a third time what is the reason behind this. All the guy did was reiterate that statement and said i will be responded to with a formal reason in 24 hours. That was weeks ago. In conclusion i have not gotten a proper reason as to why my account was closed, especially with no notice as swiftly as it was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this DCI collections account for XXXX XXXX with all 3 CRA 'S multiple times both XXXX & XXXX have both deleted this account because its not mine and data furnished cant provide proper documentaion, it appears to be a blending of files with address or someone of similar name it was initially reported on my Credit reports XX/XX/XXXX XXXX XXXX then reinserted XX/XX/XXXX by DCI collections. I did not live at this address XX/XX/XXXX. XXXX has no record of the XXXX XXXX on my credit file XX/XX/XXXX, however XXXX XXXX does have a record and shows it on past reports, there not a offical CRA they just report what there given by the CRAS. I spoke to XXXX XXXX they confirm this was on my credit account info & lacked alot of information also the XXXX XXXX open date is different from DCI collection open date its possibly been re aged as well. I've spoke to XXXX they can not find this debt with my Soc Sec number or date of birth. I've disputed twice with XXXX it keeps coming back accurate and verified however XXXX & XXXX could not verify debt and have deleted..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband  went to Prime lending in XXXX  Pa. A loan specialist name XXXX XXXX approved my husband for a mortgage of XXXX. He didn't go over anything about the mortgage process except that he was approved. While looking at homes XXXX  text our realtor that he could approve my husband for XXXX. Our realtor and I thought it was strange because nobody asked him to up the budget. We just figured he went over my husband's income and credit again. So then we found a home, and put an offer on it. When the listing agent found out who our lender was she refused to work with him. Due to him lying in the past, forging paperwork,  and not being able to close on homes before.  We tried to convince her to work with him. We ended up finding out we indeed not qualify for XXXX. That he tried forging our paperwork too, and was lying about everything.  He never explained anything to us, never went through any of the paperwork with us, and was pretty much just making it up as he goes. We aren't the only people he's done this too. We have learned from other people that this is how he does business.  People are losing homes, and money because of him. He needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/2018 Consumer Financial Protection Bureau Good afternoon : This afternoon I received an email ( see above ) from Experian informing me that my credit rating has decreased by 42 points. 

What I find troubling is that the change occurred 2 days after my husband spoke with a CFPB representative about a file our states banking department had forwarded to you, that generated a new complaint number ( XXXX ). ( The original CN is : XXXX ). 

Moreover, as their website shows ( copy attached ), my score has been increasing for I have increased the amount I have been paying, which made me suspicious that the decrease has more to do with my earlier complaint against them. 

Just so you know, the message on the customer service no XXXX only allows 2 choices both of which does not offer any option for assistance. 

In short that XXXX number is not really for customer service but an attempt to give the impression that they have one. 

Thank you for reading this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. 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 explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: CA
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 SENT LETTERS, CERTIFIED WITH SIGN AND RETURN TO EQUIFAX ON THE FOLLOWING DATES:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I dont know what this exactly is. I tried to open an account and got report from XXXX and Bank of America Missouri came up with an account that was reported for suspected fraud on XX/XX/XXXX. It further states that all amounts have been paid in full and closed on XX/XX/XXXX. I have not been in Missouri for almost 10 years. My Ex Wife lives there and dont know if she tried to open something. 

Bank of America Missouri XXXX. XXXX XXXX XXXX XXXX, MO XXXX RTN : XXXX Acct : ending XXXX Amount {$3400.00} Closure Status : Paid in Full I have never had any accounts with Bank of America during this time nor was I living in Missouri and am currently dealing with someone stealing my identity in XX/XX/XXXX. I have other accounts that were opened and was incarcerated in XX/XX/XXXX until XX/XX/XXXX. 
How can I have this removed so I can open a checking account? 
There is not any number to call or anything regarding this. Please Advise Thanks

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 2021-05-19
Company: Experian Information Solutions Inc.
State: MO
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 have reported inaccurate information to credit reporting agencies after speaking with numerous of companies stating they did not verify anything or the mentioned account number is not valid they refuse to remove these inaccurate things and updates them as being valid. By not investigating just pressing a number on there end and saying its accurate after you dispute it. I have got unauthorized inquires and still they have yet to do anything about my dispute.

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 2021-01-26
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account below is not mine. i am requesting this company to validate and confirm this debt is not mine, i would like this account removed from my credit report in 30 days or less. 

B SOURCE RECEIVABLES MNG XXXX Directory : XXXX XXXX XXXX XXXX {$2300.00} COLL {XXXX} 001 - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT INFORMATION DISPUTED BY CONSUMER ; ORIGINAL CREDITOR : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Any and all of my medical debts are in current litigation. My attorney is XXXX XXXX of XXXX XXXX  XXXX. I dont have the dates I contacted RMP Services or names but I have pleaded them to remove this debt due to litigation. 

Im trying my best to improve my credit so I can move and these medical bills are gendering my ability to move. 

Id appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I was involved in my XXXX scam through my chase bank account. Me, and 50+ others rented a short house for the summer. I paid the man running the shorehouse XXXX beginning on XX/XX/XXXX and ending on XX/XX/XXXX. We had been in constant communication. On XX/XX/XXXX we went to the house to move in and were informed the landlord and realtors had not received that payment we all made. The individual took off with XXXX of my money and XXXX of others. This is not his first fraudulent scam and chase and XXXX are unwilling to help me to recover funds and they are not working track down the account to stop this man from committing another scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts DEPTEDXXXX XXXX  DEPTEDXXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-04-02
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently purchased by Loan Care, it was previously owned and serviced my XXXX. 
As of XX/XX/XXXX my monthly mortgage payment went from a very manageable {$1800.00} and change to {$2600.00}. 
Loan care said its because Im {$9000.00} + behind on my escrows and because of an increase in my flood, homeowners, and taxes. 
XXXX XXXX, because I was on a HARP refi, kept my payment down to keep us in the home with a loan modification and an escrow spread of 60 months. 
LoanCare is spreading my escrows over 25 months, with other parts of my escrow account over 36 months, and other parts over one year, to my understanding. 
I could be wrong. 
My point is, the payment went waaaay up and I need it to be more manageable and they will not compromise even a little. 
I think Loan Scare wants to force us to foreclose. 
Real Estate is at a premium these days, I think theyre acting in bad faith. 
I asked them to spread those amounts over 60 months if possible, and they told me the lender will only do 25 months on the shortage and 36 months on the others. 
However, my figures show they are collecting an extra {$300.00} a month. 
I know that servicing companies and mortgage lenders dont need to increase your payment in that manner. 
My increase is almost thirty percent. 
That just about kills my monthly budget. 
We paid ourXX/XX/XXXX paymentXX/XX/XXXX, but now still owe XX/XX/XXXX and XX/XX/XXXX. 
I dont think they should be allowed to do this.

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