BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The Amex Business Platinum card features a benefit that offers up to {$200.00} in cash back for purchases with XXXX between XXXX and XXXX and XXXX and XXXX. I made a purchase with dell.com on XX/XX/22. The purchase posted in three transactions of 2x {$64.00} and {$74.00} on XX/XX/22. As of XX/XX/22 I have not received my cash back from this transaction. When I spoke to customer service they informed me that since the card was now closed ( correct ) I was no longer due this credit. However, I disagree with this assessment. The card was open at the time of the transaction ( clearly, or said transaction would have been declined ) and therefore the transaction would have been governed by the terms in effect at the time, i.e. the benefit offering cash back. In the same way that I as the card holder am liable for charges even after the account is closed, I expect Amex to liable for credits and benefits from when the account was open after it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Banks, Such As Chase And   XXXX   XXXX   Charge Fees For Using A CheckCard, Commonly Known Today As The Debit Card, When A Consumer Pays Their Mortgage, And Charged Me For 2 Decades, Until I Paid My Mortgage Off. The Fees Were From About  XXXX - XXXX - Through To About  XXXX .
The Federal Banking Institution Does Not Charge For Checks, And The CheckCard Was Guaranteed And Introduced As An Automated Check, With Promise Of No Fee, And Benefitted The Payer Who Received Immediate Funds, No Differently Then The Process That Introduced Handwritten Check, As Fee Free.
Having My Original Checkcard, In A Significant Place Of Upper Right Corner It Says Check Card And In Smaller Words, Lower Left, It States Debit Card ... .For Accounting Purposes, It Debits Your Checking Account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called me numerous times on my cell phone at  XXXX  without permission, acted negligently by not checking the donotcall list. They also violated a cease and desist and called with the intent to annoy. We received a response from counsel blaming  the 3rd party c ollector which is no excuse.The company stated they are a debt purchasing company and this is no excuse as well. Most companies have to scrub the account and do their skiptracing properly. They did not. They called with intent to annoy. Plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We applied for a construction to permanent loan in XXXX, and after months of providing the bank documents and updating documents we previously provided we finally closed on XX/XX/2021. We were frustrated with how long the process took but once the loan was closed we thought it would all be ok. Now over a month has passed and we have no documentation on our loan. We have no note, no mortgage, and nothing that shows we have a mortgage with Citizens Bank, N.A. I was trying to be patient but we are in the process of building a home and the contractor asked us on XX/XX/XXXX that we draw on our construction line that we set up. We have paid the closing fees and are accuring interest, However, when we contacted Citizens, they had no record of our loan in their sytem. We called multiple departments and the only department that could help us, the construction department, did not pick up their phone, We left multiple voicemails and sent emails and finally heard back after days of trying. The bank informed us that after over a month our loan has still not been boarded and is not available. Again, it has been over a month, and the bank is unable to give us access to our construction line. At this point it is delaying the construction of our house, because the contractor needs the funds, and is costing us time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Central Financial Control that was dated XX/XX/XXXX. The outstanding balances are for the following medical bills and dates of service : {$350.00} XXXX XX/XX/XXXX {$1000.00} XXXX XX/XX/XXXX{$350.00} XXXX XX/XX/XXXX {$550.00} XXXX XX/XX/XXXX Within the letter, they state that the letter is " an attempt to collect a debt by a debt collector, any information obtained will be used for that purpose. '' And for the account that is still within the limitations, they are n't reporting the balance correctly, as according to their correspondence. 

This is in clear violation of Florida 's statute of limitation for attempting to collect a debt. I am filing a dispute for Central Financial Control 's disregard for the law and consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX a buyer of mine opened a claim with PayPal for an unauthorized transaction. Paypal case XXXX. 

Realizing the mistake the customer cancelled the claim the next day. I have been on three separate conversations with Paypal regarding this case, and aside from the obvious disdain for me as a customer, each time they find a new strain of XXXX to throw my way. 

I made a screen capture of the case history which shows that the claim is cancelled, which they acknowledge one time out of three. 

They are holding my money and I want it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX  XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$630.00} Chapter XXXX Bankruptcy XXXX Liability : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date 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 explanation
Consumer complaint received 2021-12-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information That is being reporting. Please remove this from credit report has it is not accurate. 
This is effecting my life having this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: OH
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 Have sent in correct information to all credit agencies to have to update my addresses and remove any old addresses they XXXX have on my personal information still have not done so i need this cleaned up or i will file law suit

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  XXXX / {$790.00} / XX/XX/2021

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 2019-07-17
Company: EQUIFAX, INC.
State: NY
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 been a victim of id theft, I do not recognize the accounts on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a copy of my credit report showing a new collection agency. Wakefield and associates is in violation with my hippa rights. It is against hippa to sell my hospital records to a third party, my daughter had state XXXX which prohibits them to bill me for services rendered if they are unable to collect from the insurance company

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 2017-08-01
Company: CITIBANK, N.A.
State: OH
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 would like you to look into how Citigroup determines how much the mininum payment should be. I have had credit since XX/XX/XXXX. I expect the minimum to go up if I have defer the interest and did not get payoff on time or if I have miss payment or had late payments or if I had use the credit card. But my account with Citigroup is closed. I closed my account in XX/XX/XXXX. These are the minimums that they have charge me on my account. The minimum goes down and then jumps back up. The minimum should be staying the same or go down. Here is the listed. month year minimum XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$96.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$95.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$91.00} As I stated early I have had credit since XX/XX/XXXX, my minimum on my statement either stay the same, goes down if I do n't use the card, or goes up if I had use the card or had defer interest that I did not get payoff on time. But on a closed account the minimum should stay the same or go down only. I hope you will look into to this. Thank you 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 2022-04-29
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is my second complaint regarding Navy Federal Credit Union. I want to close my savings account. Their prior response says " XXXX XXXX is not eligible for new accounts or services until her loan accounts are paid in full. '' I don't want any new accounts with this credit union ; I want to close my existing savings account. Thank you and have a nice day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have a fraudulent XXXX Bank account on my credit report that TransUnion and XXXX refuse to remove. I have been disputing this acct for a whole year to no avail. The acct usage is totally fraudulent. There were unauthorized charges made on the acct and the company agreed to remove the acct from the credit bureaus after receiving payment. XXXX recognized the acct as fraudulent and removed it.

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 2022-04-29
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I created a Current account in XXXX and funded it with the maximum amount to take advantage of their advertised 4 % savings XXXX. My account was immediately flagged for fraudulent activity and my funds were frozen. I received an email from Current requesting documentation to verify my funds and identity. I provided that information to them the same day they requested it on XX/XX/2022. 

Every week, I followed up with their chat feature on the app to inquire about a timeline as to when their investigation would be completed. I would be connected to a XXXX who would do nothing but provide boiler plate pleasantries, dance around my question, and then proceed with saying they will " escalate the situation ''. All this did was bump the email chain following the investigation into my account. I have emailed Current multiple times, receiving no response. Every time I called their phone number, it directed me to their app. 

This went on for a month. I was tired of dealing with a company that lacks any sense of urgency or transparency regarding their investigation into the unfreezing of my account. I attempted to close my account today XX/XX/2022 via the chat feature on the app as stipulated by their terms and conditions/ user agreement. I expected to forfeit all the interest accrued in the account due to early account closure and have my initial deposit returned to me within 14 days via mail. The XXXX on the app was unresponsive to my request to close my account. I have requested that they close my account via email, as well. 

I want Current to follow through with closing my account and mailing me back my initial deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   ( No  contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to Transunion several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
For the past year and a half, Kohl 's reported my information improperly and noted my social security number incorrectly with  XXXX . This caused an undue hardship and numerous denials because the social security number was listed incorrectly by Kohl 's. Upon getting this corrected and later discloswed by the   XXXX    representative, after a year and a half of problems, I am now able to get into my credit report. The matter was resolved in a payoff and has caused irreparable harm. I ask that Kohl 's remove this matter in order to avoid further injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am the mortgagee on a mortgage held by Caliber Home Loans. I requested a mortgage verification via my account portal on XX/XX/2021 for the purpose of having the mortgage financed by another mortgage company. I requested that the mortgage verification be emailed to me. I was told via phone that the verification would be forthcoming within 48 hours. I received nothing so I recontacted Caliber via my account portal on XX/XX/XXXX. I did not receive a response so I called them on XXXX XXXX was told that they could provide the verification via phone and to have the other mortgage company contact them. They followed up with a response via my account portal on XX/XX/XXXX that their representative addressed my concerns on XX/XX/XXXX. I requested that the mortgage verification be sent to me via email so I would have it in writing. I still received nothing. I had told them that this request was time sensitive on XX/XX/XXXX as the mortgage was being refinanced and the new mortgage company needed the verification. I received a response on XX/XX/XXXX saying that my request was being referred and that it could take up to 30 days for processing. In the meantime, the other mortgage company dropped the application due to not receiving the mortgage verification from Caliber. This is unacceptable and appears to be a way for Caliber Home Loans mortgage to impede my effort to refinance or to have the. mortgage financed by a company other than Caliber. My payments with Caliber have always been timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
i was checking my credit report and see i have a capital 1 credit card on my closed credit but iv never had a credit card in my life nor did i open one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see attached document explaining the nature of the complaint : " Complaint.pdf ''

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 2021-07-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA XXXX XXXX, XXXX. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation