BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 someone fraudulently used my account to purchase bitcoin from a company named XXXX. I want to know how to pursue judicial charges, because I know exactlyu who is responsible for these 12 different charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Around the end of   XXXX   they kept calling me for federal loan forgiveness! They asked for {$200.00} to proceed the paper work! Right around the time  Naveint bra nched from  XXXX   XXXX ! The took my money and put my account in forbanch for 2 months and then said I do n't quilify and went to paying the same! They steered me to federal forgiveness said I qualified took my money then told me it wo n't work I make to much at the time I was unemployed because I got back to work they said I can no longer do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I have applied and approved for the American express credit card on XXXX XXXX with an offer of XXXX membership points once spend {$3000.00} in 90 days. 
By XXXX XXXX, I was able to spend the required amount of {$3000.00} and received the conformation email from American express saying I 'm qualified for the XXXX membership bonus points. I was continued to use the Amex Platinum credit card and spent {$4400.00} in 90 days including the annual fee. According to the card benefits I received {$200.00} airline credits for my travel expenditure during 90 days. I had to cancel one of my hotel reservation and return some merchandise totaling {$210.00}. Buy removing annual fee, airline credit and refunds I have spend {$3600.00} within 90 days. ( see the attachment ) During this period I received XXXX points for my qualified expenditure. ( XXXX bonus points and XXXX points for the expenditures ) Then on XXXX XXXX, after the period for earning under the bonus was over, Amex removed XXXX points from my account without any notification. I contacted Amex on XXXX XXXX and open a case about the matter and then contacted them again on XXXX. Then the customer representative told me I loose the XXXX point bonus because of the return merchandise. As she mentioned after the refunds total expenditure should lower than {$3000.00} to remove the bonus from the account and she could n't find anything wrong in my expenses. As I explained above I have spent well over required amount within first 90 days even after airline credits and refunds. So this explanation is not make any scene to me. Amex in only taking away the XXXX bonus, and left XXXX points in my account, which supports the assessment that Amex recognized the {$3700.00} spending during 90 days. ( as I only got XXXX points for each dollar spent ) Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual -- speculation that due to Amex 's dire recent cost control methods in the news, AND clear indications from recent CFPB filings that Amex is trying to get out of paying bonuses to many consumers, they are aggressively trying to shirk their contractual obligations. 

I can send all the statements and prove I spent well over {$3000.00} within first XXXX after activating the card. Otherwise show me how much I had to spend to get the bonus ( how much I short ). I need the XXXX back in my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/19, XXXX  Report attached below, shows that XXXX XXXX was deleted from my credit file and unlawfully reinserted back on my file almost an year later without notice. Therefore, Im demanding that this account is blocked and permanently removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX 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 explanation
Consumer complaint received 2021-11-18
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX sent me an offer with personal code : XXXX stating that I would receive a " {$XXXX} BONUS ' for opening a XXXX  Checking account, enrolling in on-line banking within XXXX days of opening & then making {XXXX  total deposits within XXXX days. VERY straightforward, little or no room for confusion -- then finally, your {$XXXX} bonus would be directly deposited to your checking account within XXXX days of completing requirements. 

On XX/XX/XXXX I opened checking account by phone with the branch @ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. This took approx. XXXX minutes but there were no problems. I asked if it would impact my credit-they responded not a hard check so no it would not. This indicated to me that they were going to check my credit history before approving account. My credit score is literally VERY CLOSE TO PERFECT! I deposited via credit card by phone ( on same initial call ) the minimum requirement of XXXX proceeded by XXXX separate deposits of {$XXXX} & {$XXXX on XX/XX/XXXX & XX/XX/XXXX totaling the {XXXX that they required to qualify for ALLEGED {XXXX} BONUS. 

On morning of XX/XX/XXXX, I went to check my XXXX Checking balance only to find out that it had BEEN WIPED OUT TO XXXX!!! Only thing that showed was an 'Account Withdrawal ' Pending for {$XXXX with no explanation. THIS IS HOW I FOUND out that someone had shut down my account, again 0 explanation. I called their Customer Service and was told I had to go into a branch, which I did in XXXX XXXX XXXX, XXXX  which I did that same day. They said they couldn't say what happened -- that I had to call customer service. This began a XXXX  day circus of each telling me I needed to check with the other -- cust. serv. via phone blaming branch & viceversa. I then went to XXXX XXXX XXXX. branch in XXXX XXXX, XXXX  on XX/XX/XXXX to meet with their 'FRAUD claim ' dept ( made online appt ) to see if I had better luck determining what happened. Same game -- no answers. 

They have responded that on XX/XX/XXXX a check was cut for XXXX} to be sent back to me within XXXX business days but no reason for my account being shut down like that. They seemed to think that I should be fine with that. SO, after wasting all my time & effort, I've still yet to receive my {$XXXX} that I deposited ( I requested they cut me a check there or cash would be fine, they weren't doing that ) NOR AM I RECEIVING THE so called {XXXX} BONUS! I don't know what kind of fraudulent scam they're running trying to increase their business, but this is incredibly UNETHICAL to say the very least.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX Original creditor XXXX XXXX XXXXXXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2017-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
The prospective loan company financing a new car should HAVE TO REQUEST the report from the origination of THE loan application and XXXX should NOT allow several Inquiries on the same LOAN TRANSACTION. You should know better. QUIT DINGING MY CREDIT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday, XXXX XXXX I was searching for a dog through XXXX and after extensive research came across a post from someone who was located not that far from me. Because I found them on XXXX which is supposed to be a trusted website, I reached out to the seller. After talking all day, she made me feel like everything was fine and I would be getting a dog soon. Come time for payment she wanted to use XXXX as it is linked to her bank account. I was under the impression that because XXXX is linked to our banks, I would be protected and had nothing to worry about. I sent her half the amount for the dog of {$350.00} and would send the other half once the dog arrives. A few hours later she says she is getting him ready to be shipped to me and would need the other half of the payment. This raised a red flag and the person I was speaking to started sounding more and more suspicious. I refused to send her the other half and everything was supposed to be canceled and refunded. She showed me a screenshot of her sending my money back but it has been 2 days and nothing. I have tried messaging the seller and it has been silent. I can not get a hold of her now. I have tried contacting my bank, Wells Fargo, and so far they have not offered any solutions. If XXXX is linked to our bank accounts, I do not understand why we are not protected against fraud and scams. This makes people not trust the service.

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 2020-06-10
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was removed from credit report in XX/XX/XXXX for unfair practices ( changing the dates the account was opened, changing the dollar amounts that were owed, changing the payment history, etc ) Commonwealth finance has now re reported this debt on my report. 
It first showed up on my credit reports at the end of XX/XX/XXXX, with an open date in XXXX. It was also listed as " other/ loan '' with a 1 month term. And was listed under a name that was similar but which is not my name nor is it a name I have ever used. 
They debt collector also never sent any notification to me about the debt, about collecting the debt, or reporting the debt on my report again. I still have received no written correspondence from the debt collector. 
After disputing the account with the credit reporting agencies. The debt collector changed the name listed to my name, changed the open date to XX/XX/XXXX. 
I believe the practices by this company are illegal and fraudulent, and are not in compliance with laws governing fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/XXXX I called Macy 's credit department to report my credit card was stolen along with my wallet. So they cancelled that credit card and told me they would be sending me a new XXXX in the mail. After waiting for a week to 2 weeks ( XXXX ) I finally received my card and registered it online with Macy 's and set up my alerts as I do with all my credit cards. The same day I activated and set up my alerts I get an alert about a transaction that was made at the XXXX California store. I called Macy 's and advised them that I did n't make any purchases and received the card the same day. The customer service rep told me that someone had gone into the store and done an inquiry and gained my new account number that way. So she cancelled that card and told me that she had reported it to their fraud department. She also said she would be sending some paperwork so I can dispute the charges and to send the info as it is instructed on the paperwork. XXXX XXXX I receive the my first letter so I went ahead and sent them all of the documents it asked for and filled out their paperwork and sent it on the same day. Week goes by, I do n't get any kind of response so I called and and they said to give it couple of days for it to arrive. On XXXX XXXX XXXX as I arrive from my cruise I see a second letter dated XXXX XXXX asking for the same documents and paper to be filled out as the first XXXX. I immediately called Macy 's and asked them what was going on with my account and they stated that they sent a second XXXX for charges that were made on XXXX/XXXX/XXXX. I explained how can this happen if I had called and reported the fraudulent charges made on XXXX/XXXX/XXXX and at that time they cancelled the account and gave me a passcode to better secure my account. She said she did n't know how but that she had made notes to my account. On XXXX/XXXX/XXXX I called their fraud department to get an update on my case, I learned that my account was sent to collections and will be reported to the XXXX credit bureaus as a negative account but that after it gets investigated and if found that I did n't make those charges, they would call the collection company and have it reversed. They advised this could take up to 60 to 90 days after they receive the documents they requested in the mail. All this could have been avoided if Macy 's would ask for proper identification.

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 2022-05-14
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

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 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
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 RECEIVED COPY OF MY CREDIT REPORT AND I SAW ACCOUNTS WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE COMPANIES, SO I HAVE NO IDEA WHERE THESE ACCOUNTS FROM, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS.

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 2022-05-14
Company: EQUIFAX, INC.
State: NC
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:
Reporting inaccurate and triplicating several PAID accounts that has in turn lowered my credit score. ( one is medical )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
The credit report agency Equifax is missing two credit cards im my credit report. I already talked with the them and with the banks. The problem is not fixed yet. 
Bank XXXX XXXXXXXX XXXX card ending XXXX {$4400.00} credit limit missing by Equifax XXXXXXXX XXXX  card ending XXXX {$7500.00} credit limit missing by Equifax So the credit utilization in my report should be 20 % and due for this they are showing 25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is reporting inaccurate information. I do not know this company ; I have never done any business with this company. The company does not have a contract with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$10000.00} XXXX XXXX {$9200.00} XXXX XXXX {$4800.00} XXXX XXXX {$0.00} XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received credit alerts on XXXX app mfor hard inquiries reducing my credit score. XXXX XXXX confirmed a credit card and checking account were opened using my info. Capital one XXXX card was applied for and a XXXX card was applied for. I found an address on my credit file of XXXX XXXX XXXX XXXX XXXX XXXX code XXXX which is the address of XXXX XXXX date of birth XXXX phone no XXXX. Her social security no is XXXX. She has spent time in XXXX for bank fraud and I have text message telling me she accessing bank records because that's what she does for a living

Company response to consumer: Closed with non-monetary relief