BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
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:
The advertised bonus promotional offer for the small business credit card from American Express ( ending in XXXX ) I applied for was for XXXX points after {$15000.00} spend in the first three months of ownership. 

Within a month of my application I paid estimated federal taxes with my new credit card, which came to over {$15000.00} in total, including the fees the tax payment processor charged for processing my payment. I have contacted Amex many times, asking them whether my transactions qualified, and was told that yes, they did. 

The bonus never posted. I have launched multiple tickets, and each took over two months to resolve. In the end, they claim that the credit card payment fees were " excise tax '', and as thus didn't qualify. They were not excise tax at all!! In fact, the transaction description on my statement clearly says " SERVICE FEE ''. And unlike transactions with " excise tax '' merchant code, which automatically do not earn regular non-promotional points, these service fee transactions qualified for regular points when they posted, just like they should have. 

I believe this is just a stalling tactic on behalf of American Express to get me to give up on the dispute. 

I am including my most recent communication with American Express, which mentions the original offer and their stated reasons for refusing to honor their promotion. I am also including the credit card statement from XXXX, with the charges clearly visible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit on my account on XX/XX/2017 via the mobile APP. During the process, it stated that the funds would be made available on XX/XX/2017. I made a payment on another credit card to pay it off to prevent finance charges from accruing using the funds on XX/XX/2017 thinking it was enough time for the funds to process since the app promised it would be available the day prior. When I checked the bank account today XX/XX/2017, Wells Fargo still had the funds pending but not available and returned the payment to my creditor. This not only caused my Wells Fargo account to be overdrawn, but also caused issues with my credit card since now it has a returned payment on it with a balance. After speaking with Wells Fargo twice, they advised that they received an indication from the bank that the funds may not be available causing them to hold the funds for additional days. I called the other bank who issued the check and they advised me that they do n't have anything on their end that showed any issues with the funds and that the funds are there for Wells Fargo. I called back Wells Fargo again and advised them the situation again with the extra information from the previous bank. Once again, an agent ( XXXX ) and a supervisor ( XXXX ) told me that they received an indication that caused them to put an extended hold on the funds.

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 2017-08-27
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
i have unathorized credit inquires on all 3 credit report agengencys equifax XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: CA
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:
I have sent 5 letters to XXXX  and equifax regarding my credit report the inquiary that are on them and also the the fraud alert i ask equuifax, XXXX  to take the alert from my credit report and the alert is still showing on my report and i go threw way to much to talk to and customer service rep please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account and on XX/XX/XXXX I had bal of {$760.00} with transactions pending of {$230.00} and $ XXXXbut were already subtracted leaving the bal at {$760.00}. I cashed out my XXXX earnings at midnight on XX/XX/XXXX of {$220.00} and it gave me a balance of {$980.00}. At XXXX checked my bal and showed same status I mentioned above. At XXXX I checked bal and it showed chk for {$1200.00} being paid, but the put check through over pending transaction in order to charge me two additional overdraft fees at {$34.00} apiece when I should only had been charged for overdraft on check only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 44 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 44 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
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:
This is a request for credit VALIDATION made pursuant to the about named Title and section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number. 
The other bureaus have deleted and not been able to verify, why are you not matching this information?

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 2019-08-05
Company: EQUIFAX, INC.
State: CA
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:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, we have had our mortgage with citi mortgage for just over two years. Our original mortgage payment has just been increased from XXXX to XXXX for this year. We have a 30 year fixed. Our previous taxes were XXXX due to the star program. The star program ended by the state so instead of applying it monthly we get a lump sum check in the mail each year. Our mortgage company due to star program ending is veiwing our taxes as a shortage in escrow for last year which is fine, I understand our mortgage going up to cover the XXXX extra shortage from last year, our homeowners did increase this year to an extra XXXX per month. However this year our taxes went down by XXXX which we provided proof to citi mortgage. Citi Morgage has raised our mortgage by XXXX per month and they can not explain why. My wife and I have called and we keep getting different answers, none of which make any sense. They refused to provide anything in writing describing their changes. They even agreed that their calculations seemed off but still wo n't change. I understand my mortgage going up XXXX to cover the increase and shortage from last year but they are asking for a " cushion just in case our taxes go up again '' which we provided them proof they have not. I want to pay the fair amount for my mortgage not an extra XXXX dollars because they feel like it. This new payment goes into affect XXXX XXXX I would like this matter resolved as soon as possible and Citi Mortgage to be held accountable for the unexplained charges.

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 2022-08-30
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:
Please see the attached document. This is is not a duplicate. 

I have several disputes that point to XXXX XXXX XXXX. 

Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. 

The complete complaint is in the attached document. 

XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.

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 2017-08-16
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
on XXXX XXXX, 2017 I issued a wire transfer of {$20000.00} to another member of my family who has an account in coinbase ( XXXX account ). The money was never received, nor was it returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX XXXX Have a loan with Bank of America. I sent my modification information, first in XX/XX/XXXX, then again in XX/XX/2017. As of XX/XX/2017 I have yet to be assigned a case manager to my case. I am auto to loose my home and no-one cares. They have given me the run around for three months and everyone I call, they tell me they will escalate the issue. Please help!!!

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 2017-04-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2017 I put in a request to have my XX/XX/2017 and XX/XX/2017 payments Deferred to end of loan. The individual I spoke to at that time had agreed to email me over the form I need to fill out in order to get that in place and XXXX hours to send out and I can email it back in to make sure it was received on time so it would n't be marked late. I waited and never received the email. So I called back and another person said they would resend again.Still never got email. On XX/XX/2017 I spoke with another gentleman and he figured out the reason it did n't go through was because no password was assigned when they sent it out which there system would not actually send it. I stayed on phone with him over XXXX mins to allow him to fix issue and email me. He advised me on the call that I could email it for faster service and upon processing it if it were late they would adjust late off credit report. I filled it out and emailed it back right away when I received it. I got a call 2 days letter saying they did n't receive my email to go ahead and fax it and upon receiving the fax they would fix issue and adjust the late on credit report. I faxed and emailed again right then and there. Now that it is reflecting late on my credit report they are now telling me it 's my fault and they will not be removing late. How is it my fault when I called with plenty of time for deferment to be processed representatives just did n't do their job correctly the first 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In XX/XX/XXXX I opened a HELOC with Citizens Bank NA. As I went through the renovation process on my house, I ended up refinancing this HELOC several times, all with great dealings and interactions with Citizens Bank.I was on autopay and never ( even to date XX/XX/XXXX had a late payment on HELOC account. 

One day in XX/XX/XXXX, I received a letter in the mail stating that my account was 90 days past due! Highly confused, I called Citizens Goldmember Services, and stated that this was impossible, as I was on autopay. After some digging, I learned that during my original closing ( XX/XX/XXXX ), They had opened a second line of credit for me that I was unaware of. I assumed one of the papers slipped into the closing documents was an authorization form to open this, but it was never brought to my attention, and I have yet to see a copy of this form. 

After some further digging we discovered that one of my accounts has become overdrafted, and pulled from this second credit line. With no autopay in place, it was not payed back automatically. Further I was never contacted either by phone, nor by mail about this overdraft, until the 90 day late notice. I concluded this call by paying the late fees and balance, and setting up an autopay on this credit line, but I felt sick to my stomach as I had never in my life been 90 days late on any credit account. This has obviously had a huge impact on my XXXX. 

As I began preparing to purchase an investment property last fall ( XX/XX/XXXX ), I decided to call Citizens Bank. After several phone calls and several letters they have refused to acknowledge their poor business practices in the closing of the original HELOC, and they have also refused to notate or remove the derogatory 90 day indicator on my credit report. I want the CFPB to be away of this case, and would be happy to answer any questions or clarify any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX 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 2018-07-06
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX directly and by law, they must recall the account from Convergent. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

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 2017-04-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called XXXX to have a credit freeze lifted on my account. While all other credit report companies were able to complete this with no issue, XXXX told me it would be a XXXX dollar charge and that they would not do this for me indefinitely. They wanted an " end date '' so that the next time I needed a credit inquiry I would have to pay them an additional {$5.00}. They then without my consent charged me an additional {$39.00} for a credit report package that I never agreed to and did not want or need. When I saw the charge hit my bank statement, I called them and they refused to refund me the {$39.00}, citing that I had agreed to a " verbal contract '' for the charge. When I asked them to read me the " verbal contract '' I agreed to, they refused. They also refused to investigate the recorded phone call I initially had to see if I had in fact agreed to anything at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have called Navient repeatedly to discuss lowering my monthly payment amount on my loans from {$660.00} per month to something much more manageable since I do not make anywhere near that amount per month. The most I can comfortably afford to pay is, at most, {$75.00} per month. Every time I asked about lowering the payments I was told to apply for forbearance. I have told them to mail me the paperwork to apply and I have not received the paperwork. This has been occurring for 2 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I need to transfer my money from my PayPal balance to my XXXX  debit card to pay for my XXXX tuition ( XXXX XXXX XXXX XXXX ). But PayPal set limitations on my account, so I can not transfer money to the debit card. I call PayPal ( China ), and they let me wait and try next week. After a week, I try to transfer my money, but their system still set limitations, I can only withdraw $ XXXX from PayPal balance to my XXXX debit card. But my tuition fee is over {$14000.00}. ( The evidence of the call is in XXXX ) On XX/XX/XXXX ( XXXX EDT ) I call PayPal American help center ( I use my phone number XXXX ) to find a way to solve this problem. They suggest I create a USA PayPal account and transfer money from my Chinese PayPal account to my USA PayPal account, and then the limitation problem would be solved and they told me the fees would be XXXX %. They suggest I transfer my money to a PayPal US account. Under their suggestion, I create a USA PayPal account ( XXXX EDT ) add my debit card to PayPal  ( XXXX EDT ) and transfer {$22000.00} from my Chinese account to my U.S. PayPal account ( XXXX EDT ), however, they charged me a {$1000.00} fee, because their system identifies my action as a payment. Their system didnt show me a {$1000.00} fee in the entire process, or I will stop the transaction. ( The evidence of the call is in XXXX, the email evidence is in XXXX, XXXX, XXXX ) This transfer fee is {$1000.00} fee ( 4.39 % ) because the PayPal system thought this is a payment and I'm selling goods from China to the USA. And my American PayPal account had also been frozen by PayPal. 

On XX/XX/XXXX, ( XXXX EDT ), I report this error to PayPal America ( I use my phone number XXXX call them ), their agent recorded my case and promise me that Ill get back all the money and including my fees ( {$1000.00} ), but my account is on hold, and they should restore my account, then when I click the refund button, I can get all my money back to my account including my fees. ( The evidence of the call is in XXXX and XXXX ) After two weeks wait, my account is still on hold, so on XX/XX/XXXX I call PayPal American againI use my phone number XXXX call them, and make a video record when I calling PayPal American, they also promise if I follow their instruction and refund the money, I will get all my money back. On XX/XX/XXXX the hold on my account is moved. But PayPal refuses to cancel the transaction, refuse to refund all my money, they said the fee ( {$1000.00} ) is already charged, they can not refund the fee. They can only compensate me {$100.00} credit to my PayPal account. ( The most important evidence is in XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # 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 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