BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On the XXXX of XXXX XXXX I was charged {$80.00} XXXX, and on the XXXX of XXXX I was charged {$50.00} by a franchisee of XXXX XXXX. The Franchisee is named XXXX XXXX. These are NOT all the transactions I have made with said franchisee, but these are the only two transactions with the franchisee that Bluebird by XXXX will allow me to dispute. 

On or around the XXXX of XXXX the named franchisee went into my place of employment, broke into my locked toolbox and took back tools that had been paid off. 

The reason said franchisee stated was " I have n't heard from you in months '' which is completely untrue and absolutely fabricated, as a {$50.00} payment was made just 7 days prior and I had seen the franchisee in person. I have since learned that this a tactic sometimes used so that the franchisee can essentially sell the same tool twice! I learned that the franchisee discretely sold a socket set that was taken from me to my very boss, whom I work with. 

I have a paid attorney who has assisted me in filling out a " declaration of damages '' for filing in a local district court. These damages are being claimed against XXXX XXXX, but have not yet been filed, as I would rather have a determination from Bluebird to proceed, as this would substantially help my case against the franchisee. I am not by any means trying to gain here, I only want the money I work very hard for back. 

I mention this because when I disputed the last two transactions made with the franchisee using XXXX XXXX XXXX, I alerted XXXX I was taking this franchisee to court. I was asked to prove this in a manner that made me feel as if i was lying, and making this story up, as if I have n't been victimized enough. 

I have paid approximately {$400.00} US to this franchisee and am able to only dispute a total of {$130.00} with XXXX XXXX XXXX. I learned this morning the {$80.00} dispute was denied, and XXXX has thus far not only refused to give a reason why, but I was told over the phone on the XXXX of XXXX XXXX, that the dispute refund was GRANTED and I should see it in my account by today! ( The XXXX of XXXX XXXX ) I apologize if this seems long but this is something I have been dealing with for a couple of month 's and am now becoming rather agitated over. It may seem like a small sum of money, but as an auto technician, this is money hard earned. 

I truly appreciate any help in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/2021 we inadvertently instructed our bank to pay Citi Bank {$1800.00}. The money was intended for a different card. Unfortunately we had closed the Citi Bank credit card a couple years back and after repeated attempts Citi Bank can not locate or return our money. Our bank XXXX XXXX  has told us that Citi Bank has cashed our check. 

Please help us in returning our 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 explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: GA
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:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was trying to buy a house for my family and couldn't because of the things on there are not mine. I've reached out to the FTC and to my local police department. Please remove them from my credit, XXXX XXXX, XXXX XXXX, Ga XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for your help with this, because I'm doing this all on my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As a reported identity theft, i notify to Capital one 360 and capital one with a checking account and savings account i used to had with them, so after few days review, they reopen my account, but they continue on " internal verification '', so after 2 weeks probably, they closed my accounts, and say they ending relationship with me ... but im sure that can change because i made the report based on my identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
please call or email me XXXX or JXXXX my husband is a veteran who took out a XXXX XXXX XXXX in 2005 to buy army gear then was XXXX shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: SYNCHRONY FINANCIAL
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Following is a transcript from a chat I had with a representative of Synchrony Bank regarding my online savings account. The Company publishes an attractive interest rate but fails to mention at the time of account opening that it will take 3-4 days to post deposits, which means they earn interest on the depositors money while blaming it on the " ACH process ''. 

Time Details XXXX XXXX XXXX XXXX XXXX " Why is it taking so long for my deposit to be recorded. An amount of {$53000.00} was deducted from my account at XXXX XXXX on Tuesday, XXXX XXXX. Where is my money and who is earning interest on it while I wait for it to post to my Synchrony account??? '' XXXX XXXX Agent ( XXXX XXXX ) : " Thank you for contacting Synchrony Bank XXXX My name is XXXX. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX : " I apologize for the delay. '' XXXX XXXX Agent ( XXXX XXXX ) : " Please allow me sometime while I check that for you. '' XXXX XXXX Agent ( XXXX XXXX ) : " ACH Transfer into or from the bank are 3-4 business days. '' XXXX XXXX XXXX XXXX XXXX " Every other online savings account I own takes no more than 1 day to post transfers. I guess your rate is nothing more than a scam. Bait and switch. You are earning interest on my money ILLEGALLY and will soon lose me as a customer! '' XXXX XXXX Agent ( XXXX XXXX ) : " I apologize that you feel so. However, our rates are quite competent in the market and have only seen an increase in the last one year. '' XXXX XXXX XXXX XXXX XXXX " Rates do n't matter if I lose 3 days of interest!!! '' XXXX XXXX Agent ( XXXX  XXXX XXXX : " The reason an ACH transfer takes 3-4 business days to complete is due to the fact that it has to go through the Automated Clearance House XXXX which is a standard procedure for a lot of other banks. '' XXXX XXXX XXXX XXXX XXXX " That 's nonsense. Not true at any of my other banks! '' XXXX XXXX Agent ( XXXX XXXX ) : " I completely understand that it can seem unfair loosing interest for the 3 days. However, it is our standard procedure. '' XXXX XXXX XXXX XXXX XXXX " Nothing more than bait and switch. I 'll spread the word!!! '' XXXX XXXX XXXX XXXX XXXX XXXX ) : " I will also go ahead and take a complaint regarding 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
Consumer complaint received 2017-09-27
Company: National Enterprise Systems, Inc.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My original complaint is with XXXX - # XXXX regarding a student loan. XXXX response to CFPB and myself XXXX XXXX, they ask me to contact National Enterprise Systems, I received a letter from National Enterprise Systems , Inc. regarding a co-borrower release on this account ( s ) and to release me form obligation to XXXX XXXX in the amount of {$4000.00} by XXXX/XXXX/XXXX. " To take advantage of this tremendous savings to you, contact us today at XXXX XXXX XXXX XXXX. So I took the paperwork to my Credit Union for a Loan, and they suggest that I verify the information in this Letter. because I had on going issue with XXXX I am including CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2021-06-15
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
according my case # XXXX I requested forbearance : I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments. 

Company says forbearance starts XX/XX/2021 til XX/XX/2021. My mortgage payment was not met for XX/XX/2021 due to covid-19 hardship. This forbearance did not include XX/XX/2021. 

I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : text=For % 20more % 20help % 2C % 20contact % 20a % 20HUD-approved % 20housing % 20counseling, can % 20temporarily % 20stop % 20making % 20payments % 20without % 20any % 20penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was part of equifax hack. Sign up for Trusted Id identity theft protection. 3 days ago I received an alert that there was some suspicious activity and that I need to contact them. I have tried repeatedly over the last few days to contact them via phone and the line has been busy so I could n't get through. Their website has also been down during this 3 day period

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX  XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal 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 2017-09-27
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: Public record information inaccurate

Complaint:
VIOLATION OF FCRA : REINSERTION OF PREVIOUSLY DELETED ITEMS, Section 611 Section 611 Section 611 ( a ) ( 5 ) ( B ) ( i ) ( ii ) ( iii ) ( ii ) ( l ) 611 Section 616 ( ( B ) Please see attached documents : Section 617 Exhibit-A - Public Records with wrong dates onXX/XX/XXXX ; Exhibit-B - No Public record on XX/XX/XXXX, were deleted ; Exhibit-C - Public records with the wrong date reappeared on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My address isn't correct on all three credit reports. I tried to inform them that they still have old address that should be removed. Plus! they still have my old employer information that shouldn't be on my credit report.

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 2017-07-05
Company: Convergent Resources, Inc.
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:
I have lived in California since   XX/XX/XXXX . There was an account opened for   XXXX   under my name in  XX/XX/XXXX f rom Florida, which I did not authorize.  XXXX  reported the account to  XXXX  credit bureaus and then sold the collection to convergent outsourcing. I have disputed this with the collection agency and filed a victim 's identity theft report with the police. I also faxed my report and letter of dispute along with a request to delete any information regarding this account with the credit reporting agencies, but, the account fraudulently remains on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted TransUnion multiple times and even contacted the creditor of the multiple inquiries showing on my credit file. I have not gotten a response from the creditors and it has been over 30 days. I contacted TransUnion at the beginning of this month regarding the inquiries and the representative I spoke with told me they CAN NOT dispute inquiries which is untrue as I have disputed inquiries before. He stated I needed to contact the creditor and I let him know I did that and they have not responded back to me. He stated that inquiries are factual records & will remain and I explained to him they are not factual and how can you tell me that if you havent even started a Investigation to look into my situation. TransUnion customer Service has went down hill and they DO NOT help their consumers in any way. They in no way have validated the inquiries as factual and I deman they be removed!

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 2020-04-23
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XXXX of XXXX  I made a balance transfer from Barclays XXXX XXXX Credit Card to my husband 's XXXX Credit Card in the amount of {$8000.00}. This transfer was processed and paid by XXXX Credit Card and it was cashed and cleared by Barclay 's on XX/XX/2019. 
I checked my Barclays account in XX/XX/2019 only to find that the {$8000.00} had never been credited. I called both Barclays and XXXX Credit Card. XXXX told me that the check had been cashed. Barclays told me to wait 10 more days and call back. 
Since that time I have been on the phone and in Live chats with Barclays for hours upon hours as the months have passed. They have continued to request information from me and XXXX Credit Card, all of which has been provided on 4 separate occasions to the fax and the address that they supplied ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ). When I call to see if they have received the information they tell me they aren't able to give me any information because a different department deals with the investigation. They then tell me I have to wait 30-45 days. After 30 days is up they close the 'investigation ' and state that they never received the information. I am then forced to open a new investigation. 
Now when I call they tell me that things are slow and they are understaffed because of COVID-19. I have spent 2 and a half hours on hold on two separate occasions. 
At this point I have spent six months trying to get the {$8000.00} off of my account. They received my money, deposited the money on XX/XX/2019, yet they have no idea where the money was placed. I have repeatedly asked them to freeze my account until they figure out where they misplaced my money. Currently they are sending me emails telling me that my payment is overdue. They have charged me interest and late fees on the {$8000.00}. 
At this point my frustration level is very high, as I have spent countless hours on the phone with them, only to get the same answer. XXXX Credit Card has continued to send the information they have asked for, and I have begun to fax the information they have asked for as well. XXXX has faxed and mailed the information now 4 times- they have record of faxing it- and I have now faxed it over to them twice- I also have record of faxing it to them.

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 2022-04-29
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My XXXX sends out government benefits via netspend cards. I rec 'd a netspend card, and the XXXX has loaded funds on it on behalf of my daughter. I want to transfer those funds from the card to a regular bank savings account for my daughter. 

On XX/XX/XXXX from within the account, I asked for ''the routing and acct number for netspend debit card '' so that I can ''transfer the funds into my bank acct. '' I asked them ''What is the proper routing number, and would the account number be the 16 digit number on my card? '' On XX/XX/XXXX XXXX rec 'd the following from the CSA via private message to account inbox : Re : routing and account number for netspend so I can transfer money out " I understand that you need your account and routing number. Unfortunately, at this time, we do not have this feature on our card. If we do add this feature in our card in the future, we will communicate it through marketing materials .... XXXX Customer service agent '' The agent listed company info : mynetspend.com and 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 2017-09-27
Company: EQUIFAX, INC.
State: VA
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 had identity theft and I did not authorize or give permission for accounts to be open or things to be applied for in my name please help me to fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft I have reached out to Equifax Credit Reporting Agency about my matter and they told me they would submit a dispute against the company. I have submitted to them a copy of my FTC fraud affidavit and the account is still showing on my credit report. According to FTC account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1. On XX/XX/XXXX members of our non-profit organization went to Capital One ( XXXX XXXX XXXX location ), only to find a " For Sale '' sign on the building. ( We were not notified of this closure ), We were trying to add the name of our new Treasurer to the existing account. ( Since 2003 ) 2. Since this is supposed to be a National Bank,  we went to Capital One ( XXXX XXXX location ), only to get delay after delay. We had all of the necessary identification and documents to add a name to our account. 
*However, we were informed that we would have to start a new account, because they couldn't find our account,. 
*They didn't know where our account was transferred, since the XXXX Branch was closed. 
*They didn't know how to locate our existing account. They sent us to the Louisiana Secretary of State, IRS, ect. 
*They were so incompetent, with so many conflicting ideas. 
*This is totally unacceptable. 
3. As of today, we still have not been able to simply add our treasurer 's name as an authorized signature for our existing account. 
4. I dont know how the Corporate Office of Capital One operates and conducts business, but this is ridiculous.

Company response to consumer: Closed with explanation