BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have opened American express # XXXX in XX/XX/XXXX based on their offering a cashback on the purchases for the card, between 3 % and 6 % of purchase amount. But now they refuse to issue the cashback that they have advertised. They have also refused to process my disputes of erroneous of fraudulent charges that they charged to my account. 


However, On XX/XX/XXXX American Express took their own decision to close my account. Their explanation of their decision was false. American express wrote to me that they have closed my account because they did not like how I spoke to their customer service agents on the phone about this card. But I have never talked to American express over the phone since opening this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was told my account was closed. That's all there was to it. Just told my account had closed.

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 2023-06-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo assumed the LOAN - Maturity Date - XX/XX/XXXX Sent in last payment in XXXX Wells Fargo sent the payment back advised that the account has reached it's maturity date. 
Per Wells Fargo- they're advising that the total amount due is {$12000.00} the loan amount was for {$30000.00} loan taken out on XXXX. 
{$8000.00} is the unpaid principal on loan ( how ) {$3000.00} is from late fee my question Wells Fargo is how do we owe XXXX XXXXXXXX on a loan for XXXX XXXX we stand to lose our home over XXXX XXXXXXXX can someone please reach out to Wells Fargo for better understanding. 
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 2023-06-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I looked at my PayPal account this week and it was empty. There should have been XXXX to XXXX in it. And they say it has been at XXXX since XXXX that is wrong it had money in it last week and has had money in it since I opened it in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on Monday XX/XX/XXXX I received a text who j thought was chase bank asking if I gave permission to send a wire transfer of XXXX to XXXX Florida. I also have multiple texts claiming them to be chase bank. they had me completely change my accounting and routing numbers for both accounts my total checking and my business banking account an total the amount that had been wire transferred over is business account {$3400.00} checking account {$2600.00} CHASE BANK MEMBER I got a phone call after I replied NO that I didn't approve this purchase, shortly after that I got a phone call who even had the same number as chase and over this whole ordeal took almost two hours and then I immediately rechecked my account and it was drained. if you listen closely you can over hear them discussing that its a wire transfer scam. please get back to me as soon can you can. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax had a data breach that Im just now finding out about. Their website says my information may have been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was damaged on XX/XX/XXXX in the Derecho storm. Our insurance checks were sent to the Citizens Bank and XXXX XXXX but the they are not releasing funds so we can fix our house. We have been in a hotel since XXXX and the state Attorney General has contacted them multiple times and we are getting nowhere. They are earning interest off our insurance payout from XXXX XXXX for the purpose to fix our home while were paying insane interest rates on credit cards trying to survive. We also took out a XXXX XXXX XXXX  ) loan to try to pay for the repairs to get back in our home but its not enough. They have put in place systems that slow walk the money as a business model to earn money off of people in crisis. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-02
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:
Dear CFPB, I received the following email today : " XXXX, Were restricting your Capital One account ( s ) until we can verify your recent account activity. 



Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed within XXXX business days to the address on file. 



If you have questions, please give us a call at XXXX, XXXX XXXX XXXXXXXX XXXX and Saturday XXXX XXXX XXXX XXXX 



Thanks for choosing Capital One. 




NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age ( with certain exceptions ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Washington DC XXXX. 





Products and services are offered by Capital One , N.A., Member FDIC. XXXX  Capital One. '' After receiving it, I called Capital One to verify its veracity hopefully resolve the issue and get access to my money again. The representative I spoke to claimed that the bank conducted an internal investigation and found suspicious activity on my account between XXXX and XXXX. They would not specify what exactly they were referring to, though I suspect that they were talking about checks belonging to my mother which she asked me to deposit on her behalf. After informing me that the bank 's decision was final, I was immediately locked out of my checking account, CD and various savings accounts. 

I have tried to call back to seek clarity on when my money will be sent back to me but now they won't speak to me and just ask me to leave a voicemail and don't even let me do that. I am reaching out to CFPB because this is my Social Security money and my savings which I need to survive and pay my bills. I've already opened an account at a different bank but I have no access to my money being held at Capital One. 

Thanks for your help and I look forward to a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Self Financial Inc.
State: WI
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. 

Under 15 USC 1681 Section 602 States I have the right to privacy.

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

Under 15 USC 166B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This concerns a credit card issued by Synchrony Bank ( XXXX XXXX XXXX, XXXX, PA ) to pay for a home improvement. The card was advertised as an interest free card, when in fact it is a deferred interest card. The period ended in XXXX of this year and there was no direct notice of the end of the deferred period beyond a notices on the monthly statement that was not very prominent. I also made payments, above the minimum, online not paying much attention to the hardcopy statements. There were no warnings about the end of the deferred period online. When I went to pay the monthly charge online I notice that the balance had changed by {$5700.00}, the amount of the deferred interest. When I called Synchrony to ask about the charge and explained that I had every intention to pay the balance due to avoid any interest charge, they were completely unwilling to consider removing the charge and consider that their online notification at the end of the deferred period was absent. This deferred interest card product preys on consumers that don't pay attention to hardcopy statements or pay online. Such products should be illegal. 

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 2023-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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:
Dear Credit Bureau, I am writing to dispute a report made by USAA on XX/XX/XXXX, which stated that my credit card account is delinquent. This account was closed and paid off in XXXX and should not have been reported as delinquent. As a result of this error, my credit score has been negatively impacted by up to XXXX points across all credit bureaus, including XXXX, XXXX, and XXXX. 

I have contacted USAA regarding this issue, but they have been slow to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: MO
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been charged my Flex Deposit that has transferred the account to IQ Data stating that I owe them {$1500.00}. I am being fraudulently charged by XXXX company through another company that does not even exist and the charges should not be placed onto my credit report. I have filed a dispute through XXXX on XX/XX/2023 and received a notice back on XX/XX/2023 stating that the information is correct. When I moved into the apartment it was not clean things were broken that I had to personally fix out of pocket. When I left the apartment it was clean and no damages were done. I have photos of how the apartment was when I moved. I was never behind on rent and I also have a witness of all of this from XXXX of the property managers who works for the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: IN
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:
Credit acceptance : XX/XX/XXXX, {$14000.00} Bank XXXX XXXX : XX/XX/XXXX, {$500.00} XXXX XXXX : XX/XX/XXXX, {$1400.00} XXXX : XX/XX/XXXX, {$400.00} XXXX XXXX XXXX : XX/XX/XXXX, {$2100.00} In accordance with the fair credit reporting act XXXX these account has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U, S.C 1681 Soction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt. 15 us 1692b ( 2 ) not state that such consumer owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Climb Credit Inc.
State: NJ
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:
Good Afternoon, I am reaching out in regards to a student loan that was lended to my brother by climb credit. I am the co-signer on the account and i was not aware my brother hasn't paid the payments in several months or years. My credit score was consequently affected so I reached out to the collections agency and settled the debt in full and received the settled in full letter which i forwarded to the lender, Climb. CLimb credit still hasn't updated my credit report as it's been months. I have sent out numerous emails and letters and they reply saying it's being reviewed but no additional updates. I have disputed the matter with XXXX and XXXX also hasn't been helpful. I have sent both parties required documents and proof and neither is working with me. I am in the process of buying a home but it's on hold because of this account I was a co-signer of. I would appreciate any assistance and stand ready to re-submit any supporting documents. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: PA
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 have contacted Equifax several times informing them that I have been a XXXX XXXX XXXX XXXX. They keep illegally verifying the account using there own internal methods. I have not verified any of these accounts, as they are fraudulent as my identity has been stolen. Per FCRA 605B ( 15USC 1681c-2 ) any information resulting from Identity theft must be blocked from reporting in 4 days no later. Equifax is in violation as my last first notice went out on XX/XX/22. I have attached documentaion to verify myself as they keep using this as a stall tactic. I have also attached a copy of the federal Code, the Identity theft reports and have written a letter to them. Please block and delete accountsd from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX from public record. Please stop breaking the law. As per Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Block and delete the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notification of a negative report on all 3 of my credit bureaus from Hunter Warfield for {$3300.00}. I was not given any notice of this debt nor was I afforded my rights as a consumer to dispute the validity of this debt. 

I do not believe this debt to be valid and the collection company was unfair to report this on my credit report causing me financial harm without notifying me in advance and giving me an opportunity to avoid this financial harm. 

I called the collection company on XX/XX/XXXX  to let them know that I was disputing this debt and to get their email so that I can send an email letting them know that I officially dispute this debt and to request more information from them. I was transferred to XXXX XXXX who was reported to be a manager. 

After expressing my concerns to XXXX, I was told that they attempted to call me but left several messages. Unknown and robocalls are often blocked through my phone settings so I didn't receive any calls or messages from Hunter Warfield. When I have received messages in the past, they don't have any specific details about the debt they're calling about which could have easily led me to associate the calls to the account I currently have in collections with the company. 

XXXX also said that Hunter Warfield hasn't mailed me any correspondence ( although they had my mailing address from another debt I had in collection with them in recent months which I have recently paid in full ). I couldn't understand why they mailed me a letter about the last account I had in collections but not this account. 

They chose instead to email me. By his own admission, these emails often end up in spam, junk, and promotion folders which are essentially undelivered. In fact, these emails are deleted on a schedule. I never received a call, an email, or a letter in the mail regarding this debt. I can't help but feel blindsided and treated very unfairly by their methods of communicating with consumers and subsequently reporting matters to credit bureaus. 

At the end of this call, I was given their email address and I emailed Hunter Warfield a letter today XX/XX/XXXX  which I will attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXXXXXX, XXXX XXXX XXXXk # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and XXXX XXXX XXXX XXXX 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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX 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