BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-12
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Rewards

Complaint:
I do n't know since when American Express has such a horrible customer service, even the supervisor was terrible. I was told that American Express does n't need to be responsible for what their employee told their customers. If that 's the case, then there is no need for anyone who is from American Express and will resolve this case to read the followings. 
Here is the issue. I applied for an American Express Business Platinum card XX/XX/XXXX. I called to apply for that as I 'm not sure if I 'm eligible for the sign up bonus, which was XXXX points after {$20000.00} spending in three months. The representative told me that I 'm totally qualified for the bonus, therefore I applied and got approved. After I received the card and before I started to spend any money on the card, I called to confirm that I will receive the bonus after I spend that much, I got an affirmed answer. That call has a reference ID : XXXX. I would like to ask you to check that voice record. So XXXX American Express employee told me the same thing, I did n't expect the following to happen. After I spent {$20000.00} on my card for my business, I call to inquiry about the points, I was told I 'm not eligible. The first agent told me that I can only get bonus once lifetime. I ca n't believe that an American Express agent is so incompetent to not know their own rule. It 's not a personal card, but business card which is not subject to that same rule. So I asked to speak to a supervisor, that 's when the even more horrible thing happened. The supervisor told me that the previous XXXX agents were wrong ( in a matter of fact, all agents that I talked to were wrong, since the third agent was wrong about business card bonus rule ). She simply told me that I was not eligible for bonus, because I had card 12 days from one year before. She told me the previous agents were wrong, but she is not going to do anything about it. It seems to me that she does n't care about the customer at all! I asked to speak to her manager, she asked me to hold and she will transfer me. But after I hold for 10 minutes, she hang up on me and never call back. I have n't heard anything from American Express since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or 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 2022-03-16
Company: Experian Information Solutions 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:
Inquires to DO not belong to me : XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
This is the 4th time! transunion from XX/XX/2019 to XXXX XXXX that I see this happening, I want to know how is this possible for someone to intercept information from the bank, for someone to intercept information from XXXX, an altered at the credit bureaus Data. Md law says I have the right to ask the name of the person who does the investigation. ( ( ( ( ( ( And I do not need to know how credit works and Im going to not work. ) ) ) ) )

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 2020-11-11
Company: EQUIFAX, INC.
State: MS
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:
Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. XXXX, Equifax and XXXX are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group recently put 2 new medical collections on my credit. The only way I knew of them was seeing it on my credit report. They didn't send me a notice. Also I am already paying the hospital for these and they were sent to collection in error! XXXX is fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 will continue to dispute my credit report for errors until corrected. I will not respond to any letters sent, only response will be conducted through CFPB site only. 
Furthermore, I have not seen any corrections or been provided with the requested information to validate alleged obligation. I have filed complaints with FBI and other regulating authorities.

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 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My card keeps getting flagged for fraudulent activity. I have called and answered questions many times to verify its not fraudulent In XXXX I had to file a complaint because they permanently restricted my account, locking {$16000.00} of rewards, and stifling my business that has dozens of recurring transactions a month. They thought I was lying to them about how I was even though I was able to provide them all of the documents they asked me for. 

That issue costed me thousand in lost time and staff hours to correct all of my recurring accounts. Capital one eventually removed the permanent restriction and made my card work again. They apologized. 

Now it is happening again. I tried to make a purchase at XXXX XXXX XXXX and it triggered fraud. I spoke to the agent and answered all of the questions and verified all of the purchases. Then she said I dont know why its doing this because you answered all of the questions correctly, but its saying I must cancel your card I asked to be escalated to a manager and went through same process and was told the same thing. They dont know why its happening. 

I think Cap One is targeting me for something. It doesnt make any sense Now I have to spend more time and staff resources to fix all of our recurring transactions that will be failing. Dozens a month. 

This is becoming a consistent problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: GVA Holdings, LLC
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Took out this loan in the amount of {$600.00}. Was told that the loan was {$130.00} per week but was not told that the loan the following 2 weeks and going forward would be {$200.00}. I found that out when they debited my account and I called them. They then sent me a copy of my application. I also found out today from the Indiana DFI hat this company is unlicensed to lend in Indiana and that the percentage rate is well over what is allowed ( 720 % ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : TransUnion 30 days, XXXX on time, XXXX 30 days. Also XX/XX/XXXX : TransUnion on time, XXXX on time, XXXX 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : TransUnion 60 days, XXXX on time, XXXX 60 days. Also XX/XX/XXXX ; TransUnion on time, XXXX on time, XXXX 30 days. 
Date Last Active : TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I HAD 2 CREDIT CARDS WITH CAPITAL ONE AND HAVE PAID IN FULL AND KEPT CHARGING FEES AND STILL REPORTING ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX, XXXX I received an email thanking me for a recent purchase from my Best Buy credit card. I immediately contacted Best Buy and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX Best Buy deemed it fraud and canceled my Best Buy credit card and issued me a new one. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX eastern time. I was shocked as he informed me he was collecting a debt on behalf of Best Buy. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " Sir, if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my PO BOX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with Citi-bank who owns the Best Buy credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.

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 2017-05-21
Company: Credit Protection Association, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In the last few months of  XX/XX/XXXX ,  XXXX   XXXX  raised our monthly payment for account #  XXXX  by approximately {$45.00} for no apparent reason. Our service had not changed for years, and we had a bundled phone line that ( 1 ) was supposed to reduce our payment and was suggested by them and (  2 ) had never been used one time  in the 4 years that we had it. Because of this mystery rate increase, we were advised by  XXXX  to remove the phone line from our account, which made sense to us, so we agreed.  XXXX  was never able to accomplish their side of the agreement and the extra charges continued to  two more month. After three long phone calls, with no success, we decided that the  only way to stop these charges was to close the account completely, which we did. Our final bill was for {$51.00} and after trying unsuccessfully 3 times to pay it on the website, the same way we always paid our bill, I mailed a check, which cleared the bank on  XX/XX/XXXX  ( see attached ). I 've been receiving threatening mail from  Credit Protection Association, L.P. ( see attached ) ever since that time,  even though I 've given this information over the phone and mailed copies to them directly. This company does not offer an email address that would allow me to document this correspondence. We want this harassment to stop without our credit being effected. We did not owe the money to begin with, but we paid it to get  XXXX  to stop bothering us about it and that did n't work either.

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 2016-06-30
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
At the start of this year I saw multiple promotions on the Citibank website in regards to the opening of a CitiGold checking account. This was done using promo code XXXX which was then confirmed multiple times by Citi bank via their online systems. I then proceeded to meet the requirements ( as was also confirmed via their online system and Which should have resulted in me getting XXXX XXXX XXXX miles. into my account. I even got feedback from them that I met the requirements etc. I will attach screen shots of all of the messages and confirmations later in my complaint. They not only proceeded to charge the XXXX USD a month fees but have not honored the sign up bonus. This is a clear form of bait and switch and as you will see they even tried to delay my complaint by telling me to wait a few months for the miles to post ( which resulted in more account fees ) Finally on XX/XX/XXXX they denied that I was even eligable for this promotion whcih they had clearly confirmed many times prior ( see the emails from Citi ) As I clearly met all of the terms and conditions and since that was cleartly confirmed by Citibank I want the XXXX XXXX miles credited to my XXXX account asap.

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 2016-08-01
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX 2015. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. Earlier this year, I met all the requirements. However, the XXXX miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months ( both by phone and via online chat ). Every time, they told me that the promotion code was good, confirmed that I was eligible and that I had met all the requirements ( and that I had completed those requirements before the deadline ). Unfortunately, they are now refusing to honor the promotion and will not give me the XXXX miles. They just sent me a letter stating that I was not " targeted '' for this offer and so they will not honor it because only " targeted '' clients are eligible and that because I was n't supposedly " targeted '', that means I " will not qualify for this promotion ''. However, they told me no such thing when I applied, nor at any point during my numerous conversations with them. In fact, they kept reiterating that I was eligible and that I had qualified by meeting all the stated requirements. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A bill for XXXX XXXX from XXXX for approximately {$340.00} was paid in full. Three times collection agencies attempted to collect this paid debt. Each time the companies had to remove the debt collection from my record as I don't owe the debt. 

Approximately a week ago, I was notified by my credit report companies that there was a new debt collection account on my record by a company called Convergent. I never received a letter from them to date. However they already put the account on my credit reporting as a collections account, thus tanking my credit score. 

I filed this same complaint ( ID : XXXX ) on XX/XX/XXXX against XXXX XXXX XXXX for attempting to collect on the same account, which was verified as paid in full back in XXXX and they apologized and removed it from my credit reports immediately. 

I spoke with this new company, Convergent, one time. They verified that they never sent a letter to me despite having my correct address stating they 'preferred " to handle accounts over the phone. I spoke with a representative and then a supervisor, who was rude, unhelpful and argued with me when I tried to explain you can't not send a letter and turn my account over to my credit reporting companies. They didn't care and kept pushing me to settle the account " for far less money than what I owed. '' Please see attached documents regarding previous complaints regarding this account. 

Thank you

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 2016-12-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I had a CD with Synchrony. When it matured, they rolled it over without asking ( fine print in the contract ). I called TWO DAYS later, but they were adamant. Told them they can keep the interest earned since it rolled over, but they charged interest on the FUTURE time that the CD would be with them - six months ' worth. 
I called and explained there was a death in the family and that is why I needed the money. They asked for it in writing, saying they would break the CD and not charge a fee. 
I sent them the letter, but they never bothered to respond. They mailed a check, deducting the money they basically stole from me. They took half of the interest from the previous year. 
When I called, their representatives said they had made a mistake, but that they would not pay for it. They did not hide the fact that they had my money, there was nothing I could do about it and that they did not care what their customer thought of their actions.

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 2016-04-09
Company: BB&T CORPORATION
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I took a loan out with regional acceptance Corp with a XXXX XXXX in XXXX XXXX, My payments were XXXX a month. I have been paying XXXX a month for over 4 yrs and my loan is still over XXXX. The money that I paid over the yrs have went to interest only. I was told I should be caught up on the loan but the company said I was a month beyond when I was paying every month .. The customer service is Rude and harassing.. They repo my car on XX/XX/XXXX with all my personal belongings and tag. I was not notified as to were I could pick up my personal stuff and tag. I do n't know where my stuff is. They are supposed to notify you and give you a option to pay .etc ... I lost over XXXX for a car only worth XXXX and they still wanted XXXX more. Can someone please help me? This is a scam and a rip off company. How many more people have they gotten like that

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