BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: Experian Information Solutions Inc.
State: IL
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:
A credit card with XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) was opened in my name without my knowledge or consent. I never filled out an application ... i had never even been on their site. When I received their credit card in the mail, I not only immediately checked my credit report and put out a fraud alert, I also contacted XXXX directly. I had to leave a message with their customer service department because the fraud department was unavailable. Approx. 2 weeks later, I received a letter in the mail stating that the account was sound ... meaning they didn't ' find anything fraudulent about it and left the account open. I immediately contacted XXXX again, and they said because the information ( except for the email address ) was correct there was nothing they could do. I again informed them that I didn't open the account, obviously my information had been stolen. They didn't seem to care because they said there was nothing they could do. I instructed them that they needed to close account, which they did but they reported back to the credit bureaus that the account was accurate. So, now my credit report is inaccurate and i still have no idea how this account was opened. They never provided me a copy of the credit application that I supposedly filled out and signed. I am in the middle of a bankruptcy and am unable to apply for any type of credit at the moment, which is why I am 100 % certain I didn't apply for this card. I have no supporting documents because I never filled anything out. All the information i have is from XXXX. I have submitted a complaint with the XXXX XXXX XXXX for this exact same issue. I want this to be reflected correctly on my credit report ; which is that the XXXX account is a fraud account.

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 2015-09-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed
Consumer complaint received 2022-05-14
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Sequium Asset Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX i sent a certified letter to Sequium Asset Solutions , LLC asking for debt verification in regards to a collection letter they sent me. It said to contact them if I disputed the debt. I did dispute the debt. Attached, you will find the letter I sent along with all of the verification that they did receive my request. IE : Certified Mail receipt and Fax confirmation page. 

It has been two months and I still have not received verification of debt. This is still showing on my credit report. It needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: DC
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 needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, 2016 at approximate XXXX, I attempted to withdraw {$40.00} from an ATM machine. The money did not disperse instead I received an ATM receipt stating Decline due to HOST ERROR. I stepped over to the next ATM machine and was able to process my {$40.00} transaction. The next day on XXXX XXXX I checked my account and noticed that the first transaction that did not process was taken out of my account in the amount of {$47.00} ( {$40.00} plus {$5.00} ATM fee plus {$2.00} AMEX Serve fee ). I called AMEX XXXX to inform them and they emailed me a transaction dispute form on XXXX to complete and email back to them. I completed the dispute form and attached the ATM receipt that stated DECLINED HOST ERROR the same day XXXX. I received an email back from AMEX XXXX on XXXX stating my dispute was decline and when I called to find out why they stated the owner of the ATM provided documentation that the transaction did dispense the {$40.00}. I spoke to several reps and reps claiming to be supervisors at AMEX XXXX on XXXX and XXXX explaining the situation and asking for the documentation the ATM owner provided with no success. The last person I spoke with was XXXX. He stated that he was from the dispute team and that there was no way I can prove my dispute and there was nothing he could do for me. On Monday XXXX I received an email from AMEX Customer Service stating my account has been permanently suspended due to violation of consumer agreement. I called to speak to someone about the remaining balance of {$210.00} still on my card and what violation took place. Customer Service stated I will receive a check in the mail but did n't say when that would be mailed out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( I am selling e-books and exchanging money ) since ( XX/XX/2021 ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, unauthorized charge from XXXX XXXX for {$75.00}. 
On XX/XX/XXXX authorized charge for {$65.00} from XXXX XXXX. 
I disputed to Capital One Venture Card the XX/XX/XXXX from XXXX XXXX for unauthorized {$75.00}. 
On XX/XX/XXXX Capital One credited my Venture One card {$10.00} + $ XXXX= {$75.00}. 
-- -- On XX/XX/XXXX, Capital One charged back my Venture One card {$75.00}. THIS IS ILLEGAL. 
Today, I disputed again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open a checking and saving accounts with chase and shortly after left the US The account was using my foreign address 6 years later the accounts went into dormant state and despite having access to online site and costumer support I can not reactive the accounts or get the funds in the accounts The bank only options given to resolve this issue were : 1. Come to the branch with the proper documents ( Not possible as I am no longer residing in the US ) 2. Send a letter with the account numbers and request reactivation ( I do not have those numbers available and there is no way to get them from the bank ) All I want is my money back and currently there is no possible way for me get it from JPMChase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
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:
I have previously filed a complain, which has a record number : XXXX. However, Lakeview XXXX did not carefully investigate and correct errors on my credit report. As the result, there was no change in my credit report. 

Lakeview XXXX has found out errors and corrected the credit report the Bureau. The correction was made for the month of XX/XX/2021 and XX/XX/2021. Lakeview needs to re-investigate this matter and stated that they did not review my credit report diligently. 

I am requesting Lakeview to remove all negative marks on my credit report due to its bad practice. 

Thanks,

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 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I saw your recent lawsuit involving Navient. I am currently in disagreement with them regarding loans ( XXXX ) that i allegedly co-signed with an electronic signature. I did not electronically sign any student loan, nor did I have the ability to at the time they allege I did. On XXXX of the dates I was serving in XXXX, I know I did n't sign from there. I asked them for proof and they sent me loan agreements with my first name typewritten on the signature line. Further proof, they can not provide. Are there standards that private organizations must adhere to regarding electronic signatures? 
I am retired XXXX XXXX and a Full time XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For the last XXXX months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of 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 2021-11-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I submitted a wire transfer for {$5000.00} from my bank, XXXX XXXX, on XX/XX/2021 to Wells Fargo Bank to be deposited into my XXXX account as Wells Fargo Bank is XXXX bank. The money was never put into my account at XXXX. I have had XXXX check on the wire transfer several times and it never made it to XXXX. 
About XX/XX/2021 I spoke with a representative in XXXX XXXX wire transfer department and asked them to please get my money back from Wells Fargo. 
XXXX XXXX  has sent at least four requests to Wells Fargo with no money returned or comments. My case number with XXXX XXXX wire transfer department is : XXXX, and the person handling it is XXXX XXXX at XXXX. 
Please help 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 2022-05-14
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2021 I sent DISCOVER an Affidavit regarding a billing error notice pursuant to 12 CFR 1026.13 and the affidavit was unrebutted. An unrebutted affidavit stands as truth in commerce. Following this DISCOVER took adverse action against me by lowering my credit limit and closing my account with no explanation. According to 15 U.S. Code 1681m - Requirements on users of consumer reports ; they are suppose to provide full disclosure of this action. Prior to closing my account DISCOVER refused to credit my account when full payment was sent by accepting the coupon for value that was attached to the statement, they failed to honor the remittance coupon and failed to dishonor the coupon. Since closing my account DISCOVER has continued to charge interest fees and has also continued to withdraw payments from my bank account. This is a very serious matter and if not resolved will result in further escalation to the FTC and State Attorney General. I was never given full disclosure regarding this extension of my consumer credit and was lead to believe that I owed payment and once I asserted my rights as a consumer DISCOVER retaliated against me by closing my account. Furthermore HJR-192 prohibits payment of debt and substitutes, in it's place, a discharge of an obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Real Time Group, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted on XX/XX/2020 XXXX by Real-time Resolutions XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX The agent said they were calling about an unpaid debt to XXXX  XXXX XXXX in the amount of {$5000.00}. I advised the agent that I am unsure about the information being given and requested a debt validation letter. I have my mailing address and waited to receive the information in the mail. It is my understanding that collectors have 5 days by law to send this information. Two months later I began receiving harassing phone calls to make payments on a debt that has never been validated. On XX/XX/XXXX at XXXX XXXX  I spoke with an agent by the name of XXXX and advised her of my rights and that the debt validation letter hasnt been received. She places me on hold several times and began to become very forceful in her tactics to collect said debt. I advised her that she is in danger of being reported by violating my rights and the line became disconnected. This is my formal complaint against Real-time Resolutions for violating my rights under The Fair Debt Collection Practices Act and refusing to send a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I wrote a while back to let you know that I have been working with Bank of America and XXXX XXXX XXXX to modify the terms of my home equity lines of credit and to no avail. 
We have spent the last 12 months submitting requested items to Bank Of America only to receive another declination in the mail this week. They are playing games and we have been paying the newly adjusted payment since XX/XX/XXXX that has quadrupled and is an extreme hardship. When the XXXX heloc adjusts XX/XX/XXXX we will no longer be able to live in this home we built and maintained for the past 19 years. Only with these XXXX loans extending the interest only portions for another 10 years will we be able to stay in this home. We are XXXX and I am forced to continue working due to the housing demise of XX/XX/XXXX that wiped out our XXXX with my total loss of income and my husband 's forced retirement who was on XXXX since XX/XX/XXXX now receiving half pension from XXXX where he was injured on the job in XX/XX/XXXX. 
We need help with these XXXX loans and requesting your intervention to make this happen. 
I wrote six months

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 2015-07-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX, I and my ex-husband applied for a refinance & HELOC from Beneficial. The loans were granted. My ex-husband passed away XXXX XXXX. At this time I contacted a lawyer to determine my options for having my husband removed from the title to the property and mortgage. Lawyer took care of having husband removed from the title. I recently attempted to apply for refinance to remove him from the mortgage and take cash out. I learned through an attempt to refinance I was unable to refinance the property due to there is no deed from XXXX found indicating my interest in the property. The only deed filed with the XXXX County Illinois Recorder was in XXXX with the original purchase of the home in which my ex-husband was the only one listed on the deed. Beneficial did file a mortgage on XXXX, XXXX on the property. I am just outraged at this point that I took out a loan on my home, yet it was never deeded in my name as one of the rightful owners. Now I am being denied the ability to refinance at this time because I can not show that I was the rightful owner of this property prior to XXXX/XXXX/XXXX when my children quit claimed their fathers interest to me. I am just sick of this company and the way this company misleads and XXXX over customers. I am technically being forced to remain with this company because I can not secure financing with another reputable company because I have to wait anywhere from 6 - 12months to refinance, because the property I have owned for over 20 years and paying on for over 20years is considered inheritance since it was just quit claimed to me XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation