BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I paid off my accounts on all of my Amex cards ( 3 total ). The limits were : {$12000.00} ( recently paid about $ XXXX to pay off completely to XXXX balance ), another was {$5000.00} limit and another was another {$5000.00} limit. Ive had my card since XXXX. 

I have never paid late, missed a payment, and I always pay twice the amount of the minimum payments. 

When I tried to make a purchase on the {$12000.00} ( XXXX XXXX XXXX XXXX  ) limit card they immediately blocked it and put my limit to {$1000.00} and told me they need all of my financials and proof of income. Which I complied and worked on appeal. This was on XX/XX/XXXX. 

Then on another card today XX/XX/XXXX I had {$5000.00} available credit with {$0.00} balance and I made an XXXX XXXX purchase for {$9.00} and they again changed it to {$1000.00}. I called to speak to a manager and they denied me. They claimed they have to review my account first ( even though they didnt ask me why I am calling ). 

I have done nothing wrong or anything to have warranted such treatment. I pay the annual fees for my cards of over {$300.00} a year and I never missed a payment and in fact I pay off my balances. 

They cited that I opened new credit cards recently which I did because I was offered 0 % APR and some had more cash back ( e.g. XXXX XXXX for my XXXX XXXX  purchases and XXXX card for my XXXX phone bill ). But that should give them the right to suddenly reduce my available credit by more than {$15000.00} for trying to use it to by something so small as {$9.00} XXXX XXXX pass

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I need help resolving a matter of fraud related to identify theft and compliance violations by Wells Fargo Bank. 
My husband 's identity has been stolen. Numerous fraudulent checks and electronic transactions have been processed from our checking account, savings account and credit card. We have filed a police report and an identity theft affidavit with the Federal Trade Commission. 
We reported the fraud to Wells Fargo as soon as we discovered it, multiple times. Wells Fargo failed to assist us or open claims after the first XXXX reports of fraud on our checking account and after the first report of fraud on our credit card. They did not open a claim on our checking account until our third notice to them on XX/XX/2016. 
Wells Fargo has made numerous errors, compliance violations, and has used false information to initially deny our claim. They supposedly escalated the incident to their Resolution Team on XX/XX/2016, however, we have had no contact from that department and it has now been over 15 business days. The bank has been negligent in helping us and has committed multiple violations of the XXXX Transfer Funds Act ( a.k.a. " Regulation E '' ; parts 205.6 and 205.11 ), such as erroneously closing the claim and failing to provide provisional funds. In addition, Wells Fargo is in violation of the Fair Credit Reporting Act by refusing to provide detailed information, requested in writing, about the transactions. We have been very cooperative and have offered to partner with them in providing as much information as necessary to investigate and try to track down the source of the fraud to help catch the criminal ( s ), but we seem to be getting nowhere. I would appreciate any help you could provide. I am attaching a document with details of events from XX/XX/2016 to XX/XX/2016.

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 2021-06-17
Company: EQUIFAX, INC.
State: MD
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I purchased a vehicle in 2014, which I was over charged for the actual worth of the vehicle. As a result the trade in value is double what it should be and I am in the whole about XXXX. The warranty I purchased says tat i purchased the vehicle for XXXX, but I actually traded in my deceased dads car, and also put down XXXX in cash. I would like a refund in the amount of XXXX. There is also a lot of minor problems I have experienced that were not disclosed to be at the time of purchase like the sway bar being lose, and the fuel sensor being bad. Something is wrong with the contract which has basically charged me more for the SUV than it is worth. This complaint also involves the dealership located off or XXXX XXXX at the XXXX Dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: ZENCO COLLECTION, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I work from home and receive a call from a XXXX phone and the was told that I should hold for a constable. I waited for about 2 mins and a gentleman came on the line and told me he had a summons to serve me and I should verify my address which I did. He then told me to verify my social security # and he rattled off my number and I confirm it. He them told me he had a warrant for my arrest as I owed Discovery Card {$4300.00} and I inform him I have never in my life owned or used a discovery card. 

He got very rude and told me he was coming to my home to XXXX until I paid my debts as I was a dead beat and people like me needed to be shot on sight. 

I hang up the phone and called back to speak with a manager and was refer to a XXXX who stated her employee number is XXXX and I informed her of the incident and let her know I intended to file this complaint with the CFPB and Atty General Office.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Late fee

Complaint:
This past spring I opened a Macys card and subsequently started buying a few items needed for the new apartment into which we recently moved. Not long after that, I received my statement in the mail, which I promptly paid. The same thing happened the following month. Then in early summer I purchased some new pants for the new season. A couple of months went by before I realized that Macys had not sent me a billing statement. And at no time did I request or approve a change to statement delivery electronically. Finally, a statement showed up in the mail showing a late fee and interest for the amounts of {$32.00} and {$4.00} respectively. I promptly paid the balance for the value of purchases minus the late fee and interest. In addition, I wrote Macys explaining that they did not send me a statement and to kindly remove the late fee and interest. More than 6 weeks later I received a letter from Macys informing me they would extend to me a " courtesy '' adjustment for the late fee and interest. And that these adjustments would appear on my statement within XXXX billing cycles. Unfortunately, I never received a statement and instead received some sort of Debt Validation Notice for {$31.00}. Please keep in mind that I paid my account balance in full, minus XXXX late fee and interest. At this point, I decided to log on my account and noticed they have now charged my account late fees and interest for XXXX, XXXX and XXXX. 
To me, it seems that Macys has a business practice of not sending statements to clients so they ( Macys ) can generate revenue in the form of late fees and interest. In addition, they offer a courtesy adjustment, then not credit the amount ( s ) in question in a timely manner so they could again charge the account further late fees and interest. 
To that end, I wanted to share this with you. I do n't know if this practice is illegal but it certainly appears to me at deceptive to consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I received a XXXX Statement from my Capital One Savor Card which indicated a balance of {$2900.00} due on XX/XX/XXXX. On the statement itself it clearly indicated as the balance subject to interest being 0.00 % apr as I was in a promotional period. I knew my promotion would end soon so I wanted to pay the entire balance before the due date which I did on XX/XX/XXXX. I then received my XXXX statement with an interest charge on my zero balance of {$28.00}. 

I called the company and was on the phone with them for 45 minutes and they were unable to correct the incorrect charge. I closed all my credit cards with capital one bank as I can not continue to due business with a company that would not honor their own promotions and their own statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: RI
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've sent numerous letters to all 3 credit bureaus over the months and received no response. I demand by law all these items be moved from my credit report my information was compromised in XXXX data breach

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 2022-04-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have ShellPoint Mortgage. I was transferred to them in XXXX and was on AutroPay. After being transferred I established a new autopay with them. In XX/XX/XXXX, Shellpoint did not deduct the autopay. I was late on my mortgage. Per RESPA Section 6, a mortgage servicer needs to make live contact with a customer within 10 days of being late. Shellpoint never called, never sent a letter, never emailed me ever, after being late. Only after almost 60 days they emailed me saying I would be 60 days late if I didn't make my next payment. This is a RESPA violation. 

I have tried to work with them in XXXX and they sent me 2 letters stating they do not do customers 'any favors '. I want this late removed from my credit due to ShellPoint not following Federal mortgage servicing rules, and after not establishing a new autopay account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am the consumer I am currently going against a third party debt collector who claims that i owe them XXXX but my consumer report shows XXXX i do not owe this company anything we have never did business together. 15 usc 1692 h this company is abusing me and my reputat pursuant to 15 USC 1692G ( A ) admission of liability states the failure of a consumer to dispute the validity of a debt under this section may not be constructed by any court as an admission of liability by the consumer .There shall be no judgement this a violation of my federal rights. I am the original creditor and my contract states that the vechile was secured via security interest the contract states that to secure obligations you give us first priority security interest in the vehicle 18 usc 914 i am the original creditor to make my claim even more factual i will elaborate on how My car was repossed by the organization that extended the credit XXXX They actually took the car sold it at a auction and advised me that they would be repaying me the profits. if I am the one who owes this alleged debt please answer this how do they owe me any money? I have also reached out to this company demanding that they cease all contact with me I have been harassed for over a year now and I have never did business with this company under federal law you can purchase a debt but you can not purchase my personal information Address, phone number etc as a consumer I have a right to privacy pursuant to 15 usc 1692 ( a ). I have sent over a validation of debt pursuant to 15 usc 1692g i am disputing this alleged debt and validation from persolve XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have visited Macys store and bough some items on XXXX/XXXX/2016. I realized that my credit card is expired so i told them that i can not use my credit card, but csr said she can look my account with my ssn and still charge my credit card, i told i dont want my credit pulled but she assured that she is just look into account to confirm my identity.on XXXX/XXXX/2016 i opened my macy 's online account to notice XXXX account on my names. So they opened a second account on XXXX/XXXX/2016 with out my knowledge ( i called macy 's customer service and they confirmed it and are investigating it ). 
I know my credit history will lowered due to this and i a m planning buy a new home and due this i might loose XXXX over 30 yrs loan period. Not sure how i can legally proceed with macy 's for cheating me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written a few letters to this collection agency and they have removed the invalidated account from XXXX however, they have ignored my attempts to properly validate this account. I have attached the letters I sent them but have not received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Respected Officials, I noticed that wellsfargo ebill payment feature is showing an invalid amount. 

The amount shown is {$12000.00} for a credit card bill. 

The amount is incorrect because the balance has been paid in full. 

I request wellsfargo to fix this. 

XXXX XXXX XXXX CREDIT CARD XXXX eBill due XX/XX/21 {$12000.00}

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 2016-04-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
Is is legal for Citibank/BestBuy to bill its customers and require payment SIX days later? This happened to me, with a Citibank Visa issued through BestBuy. I have the billing notice, received by email XXXX XXXX, 2016, and various correspondence with Citibank and BestBuy. Neither company addressed my direct charge of predatory billing. Nor did they deny it. 

Even if legal, requiring credit card payment 6 days after billing is clearly predatory, automatically greatly increasing the likelihood of late payments. Citibank and BestBuy deserve at least to be embarrassed publicly for their deliberate predatory behavior. 

Why are they are doing this? BestBuy credit cards are activated immediately, in stores, so that people can make credit purchases immediately. I also believe this practice is designed mainly to prey on people who may not have other access to credit but want their electronics. That does not describe me ; I took the card because of an in-store promotion. That does n't matter. Meat eaters are meat eaters, and to Citi and BestBuy, I am just more meat. 

I reported this information to Maryland XXXX, who referred me to the Maryland XXXX, who referred me to you. Neither offered to take any further steps.

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 2021-06-17
Company: EQUIFAX, INC.
State: IL
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 notified the collection agencies/original creditors several times and notified them that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: DE
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 previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Alliant Capital Management LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But Alliant capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.

Company response to consumer: Closed with explanation