BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-12
Company: National Commercial Services, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Morning - my mother XXXX XXXX passed away XX/XX/XXXX. She was unmarried and no will. She didn't have any property or anything else. I have sent XXXX ( National Commercial Services ) an email twice to the email address on the letter once in XX/XX/XXXX and again XX/XX/XXXX stating that she is deceased and to stop sending letters to her to my address. This is very upsetting and very emotional for me as her only child. Please make them stop!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I meet all the criteria for a loan .... the underwriters for TD Bank took nearly a month to evaluate..I was asked to right and send a letter in detailing why my income was low this year from previous years ( W2s ). I stated I was a victim of the XXXX epidemic like most people and my jobsite was closed down for 3 months being in XXXX. I denied the loan because of insufficient income..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX while buying an XXXX XXXX ticket I responded to a promotion to open a cobranded card advertising XXXX  airline miles after {$750.00} spend in 3 months and another XXXX miles with a total of {$5000.00} in 6 months. During the same transaction I received a second promotion to receive XXXX airline miles after {$1000.00} spend in 3 months. Later in the same transaction I received a third offer to " earn XXXX  bonus miles plus, get up to {$100.00} in statement credits after qualifying purchases with this credit card offer. '' Which was offered to be applied to the ticket I was purchasing at the time. <P/>The card was approved but Citibank and the promo I received was XXXX airline miles after {$1000.00} spend in 3 months. The least favorable of the promotions offered and not the original promotional terms. <P/>I have contacted the bank immediately after the approval regarding the multiple offers and requesting clarification and was told the account was still processing and to call back after I got the card. Was also given 3 different phone numbers to call during the conversation. Have called the bank at least 3 times since receiving the card and am told I did not get more than one offer and that I received the offer I was supposed to get. I did capture copies of the offers while signing up so find the response incorrect and rather misleading.

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 2020-08-12
Company: Experian Information Solutions Inc.
State: OH
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:
These are not my accounts. Please provide the original instrument of indebtedness for these accounts ; in addition, to Validation of debt, and Method of Validation. 

XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020, I notified Transunion credit bureau that the there were incorrect balances on my credit report for XXXX account and XXXX XXXXXXXX account in which my balances were paid off to XXXX dollars. After investigation was complete within 30 days, my credit score did not increase and Transunion fails to adjust my credit scores after balances are corrected and paid in full.

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 2015-04-01
Company: Miller Davis & Peoples
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Received a call to my personal cell phone that was intended for my husband from a " mediator '' on behalf of their client. The mediator stated she was calling for Miller, Davis and Peoples for a debt that my husband owed which is over 10 years old, proceeded to tell me that the statute of limitations still allows them to collect on this debt. I asked her why my husband had not been " served '' with court papers, and she responded that he had, but it was a bad address. Which I know to be completely false. As I searched online, I found this was a scam and dozens of people have been conned, I asked her if I could settle his debt on his behalf to see what she would say. She then placed me on a brief hold and responded " yes, you can settle his debt. '' At which point I told her I had searched online and found that this was a scam and that not only was I going to place a complaint with the FCC, but also with the XXXX and on the Consumer Finance Website for the government. She became very irate and screamed at me that they would " serve '' my husband with papers to collect this debt. She then hung up on me. 

She spoke very quickly, and I assume the company who does this, speaks in this manner so as to confuse and worry the people they are contacting. I am sure that there are elderly people who are receiving these types of calls and who are swindled for money. Luckily, I am not so easily persuaded or intimidated. 

The phone number she called from is XXXX. I also found a link to all of the complaints regarding this company : XXXXPlease stop these people from doing further harm to others!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: FL
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've sent numerous of certified letters to Experian regarding unauthorized inquiries and unverified and unvalidated accounts. The following inquiries were not authorized by me : XXXX the following accounts have been disputed and no information regarding these accounts being validated has been provided to me ; therefore, they need to be immediately deleted from my fille : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: WA
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:
We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My  wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I went to pay my American Express ( AE ) Credit card balanceon XXXX XXXX. I auto paid my balance for the last 5-6 years. 
using my XXXX account. I gave them instructions to use XXXX account for a payment of {$2100.00}. 

On XXXX XXXX I received a notice from AE my bank rejected the payment. 
I checked the money was still in my XXXX account. 

I recently moved from XXXX to XXXX. I found out XXXX does not have any branches in XXXX. I did not have enough money in my XXXX account to settle the amount owed. My XXXX XXXX got a bank check from XXXX to cover the balance. I have never done any business with XXXX.She mailed in a check to American Express. The check cleared the XXXX payment. 

What I found out next shocked me. American Express did not use my XXXX account in XXXX as requested but instead just took the account info from the XXXX Check deposited in XXXX and sent that info in for payment.Of course it was rejected. 

This is illegal and was certainly not authorized by me. When I called American Express for an answer. They told me I did tell them to use XXXX but there was no record of that account after 6 years of use. 

Their supervisor XXXX was most very condescending when speaking to me and lied through he teeth about where the new info came from. 
to protect his XXXX. 

Some one put that false info in for whatever, who knows? Their employees need more sensitivity training. I feel American Express should be severely fined and I should be awarded a small sum for all their abuse and time spent fixing the problem. 
training.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently moved from XXXX to XXXX. I attempted to open a checking account at XXXX XXXX and was told Experian had a fraud alert on my credit report. In addition to my SSN they have my late mother 's SSN ( same name as mine ) and have listed me as deceased. I 've written to Experian and have received no reply.

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 2020-01-08
Company: Radius Global Solutions LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received any type of notification of this debt or I would have paid it. this debt should never have gone to collection. I never received any statement from XXXX XXXX ( in fact have never heard of them ) and never received a statement from XXXX XXXX either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX at about XXXX XXXX, I received a call from XXXX advising me that I owed on an account from XXXX XXXX in XXXX. I told the caller that I had no knowledge of the account so they transferred me to someone else who was very rude. When I advised them that I knew nothing about the account the caller got very hostile and started telling me that I lived at XXXX XXXX which I never did. The caller then told me that he looked on my credit report and seen that I lived at XXXX XXXX which I never did. The caller never wanted to give me any specifics of the account like an account number or a balance on the account and told me that he doesnt have time to be playing around with me that he was taking me to court and placing a judgement on me. I tried calling the number back for more information about them and they will not answer the phone from my number. They have information from my credit report and my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Credit Counsel, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was attending school and failed out of my XXXX class. However, tutuion options was the loan lender. The school name was XXXX  XXXX university. I was trying to get my payment lower then XXXX dollars a mount to XXXX tuituion options said i had to call the school back and settled that with them. Well today, I received a call from XXXX today atXXXX XXXX I didn't get tha name of the rep, he was very rude to me, telling me I need a Job, this is why I'm In this situation, he wouldn't let me speak to no other rep, nor get his supervisior name nor put them on the phone he called from the headquarters of the company in XXXX, fl I was able to retrieve the number from the XXXX, fl locattion is the number I called back I explained my situation to the young lady she called him he came back on the line and stated " oh! you have time to hold on when you need to be working fulltime " Go get a Job " I hang up 3 times he kept calling back. Yes! I called the office back several timepraying I can get someone else to answer apparently they have caller ID so he knew it was me and would answer the phone not given his name nor number. These people are trying to collect a debit but are being very rude and nasty in the process calling harrassing the customer is not fair i really need to take action about this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Sunbit, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These are not my accounts. Please provide the original instrument of indebtedness for these accounts ; in addition, to Validation of debt, and Method of Validation. 

XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX   XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: The Moore Law Group
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The creditor never allowed me the opportunity in writing or otherwise to validate the debt. They moved forward with a lawsuit without allowing me to dispute the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: AZ
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:
So for over 4 years I have been trying to get this credit card account removed from My credit report. Im XXXX I Closed out this account with the banker which is the same banker who was the main reason for my XXXX payment from XXXX XXXX because of fraudulent opened accounts. A simple XXXX $ bill which I paid and closed out the account had bubbles into 67 charge offs and a stain on my credit report. I closed this account out and if this same person is opening fraudulent accounts under me and was fired for this same reason. I reported this information. On my first dispute, my 2nd dispute and now to the executive branch and they are still reporting this on my credit report. It was XXXX $ thats bubbles to XXXX $ with late fees. If you cant make cash deposits with your banker and pay to close account out and actually have them closed out the way they are supposed to be then why do we even have bankers if you cant trust them to do whats right.

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 2016-10-25
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my account due to relocation and just received a bill from collection agency that I owed XXXX XXXX {$290.00} when I have not been using their services for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was a victim of fraud and it is my understanding that it is my right to place an extended alert with all XXXX credit bureaus and receive a free credit report to check for discrepancies. All of the credit bureaus have automated telephone response systems and do not allow for a consumer to obtain a free credit report due to fraud and/or place an extended alert. Furthermore, none of the bureaus offer to speak with a customer service representative.

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 2020-08-12
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened an account with Marcus Savings ( a Goldman Sacs company ) and transferred {$50000.00} from my XXXX XXXX account. I opened the account because it was paying 1.05 % -and my son told me it was " awesome. '' I already had a long-standing savings account with XXXX XXXX that was earning 1 % and I was very happy with it. On XX/XX/XXXX, I received an email that said the interest rate was dropped to .8 % I didn't see any reason to continue to keep that account ( I had had a few other deposits into the account as well ... ) so I immediately transferred {$50000.00} into my XXXX  XXXX account. The " screen '' told me it would occur in 2-3 business days. The next day I checked my " app '' and was told I was " temporarily locked out '' and had to call XXXX to unlock my account. When I called, I was told that my account was locked until I provided them with statements from my XXXX XXXX account ; I refused -I see it as irrelevant and definitely non essential. TWO excellent banking sources I use ( one from XXXX XXXX ) told me they had NEVER heard of asking for statements for a bank account. I could get NO OTHER information from Marcus. The funds are STILL LOCKED at Marcus and I can't seem to get the money out. I sat on hold along with a Representative from XXXX XXXX  for 41 minutes late last week ( probably XXXX  XX/XX/XXXX ). I've tried numerous times to call but no one will talk with me or reset my account OR give me my money. I even asked for them to mail me a check but they won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was given a delivery date of XXXX XXXX. I never received the first card so I called customer service only for them to send me to the fraud department for a card that was never activated. I still almost in XXXX have not received my card or anything. Capital One is making it seem as though Im just getting card randomly. I am offended and I do feel XX/XX/XXXX prejudice in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I applied and was approved for an amex platinum card that included a sign up bonus of XXXX miles once I spent XXXX within 3 months. I have spent the {$3000.00} ( more like XXXX actually ) and the miles were credited to my account. But Amex is not allowing me to use the miles for some reason. The terms and conditions were clear that I could use the miles after they were credited to my account. I am trying to book a flight that would otherwise cost me about {$10000.00}. If I do not book soon the ticket will be booked and I will have to use $ s to buy the ticket and not miles. This is not fair.

Company response to consumer: Closed with explanation