BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: DISCOVER BANK
State: DC
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:
My Discover credit card has posted transfer balance from my previously disputed cared stolen transactions amounting XXXX a credit card service representative explained the posting has been forwarded from previously account and mentioned I will get the credit back. 
After 2 weeks my account has not been credited. Today after calling the bank another representative informed me that I am responsible for the fraud transactions because the lost stolen card fraud transactions were made in the similar store and the same amount that it is unlikely those transactions are fraud. 
I have repetdly informed the representative that I disagree with their decision and this is violating my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: Upgrade, Inc.
State: MS
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:
When I applied for and was approved for the UpGrade XXXX XXXX XXXX XXXX I was promised a {$200.00} cash bonus after making 3 ontime payments. I opened the account in XX/XX/XXXX. All monthy payments have been made on time. I have made several calls regarding this and each time I was told that the matter would be escalated. I was told that I was due the {$200.00} bonus. On the call that I made on Wednesday, XXXX XXXX, XXXX I was told that the matter was being corrected and {$200.00} would be deducted from my total balance due within 5-7 business days. Today is the 8th business day. I called again. On this call I was told that I did not qualify for the {$200.00} bonus because I have 2 different cards with them. This was the 1st time I was told this. I began calling UpGrade about this in XXXX. I made several calls since then. On each and every call I was told that I was qualified and should receive the bonus. This has been a very stressful and time consuming matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
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: Investigation took more than 30 days

Complaint:
I disputed XXXX XXXX XXXX several times on my credit with no response. It keeps being marked as accurate. It is definately not accurate and it is effecting my ability to obtain a loan for a house. I have been disputing for 2 months now. I even got a letter from XXXX XXXX XXXX themselves to send to Transunion. I sent it to Transunion XXXX weeks ago certified mail and they are yet to pick up their mail at the post office. XXXXXXXX XXXX XXXX  is reading as an opened account with a balance to pay every month. The accounts are closed and charged off. This is so frustrating. Nobody will help me. It clearly is reporting wrong. Attached you will find the letter from XXXX XXXX XXXX verifying the information and it needs to be corrected.

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 2016-07-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
American Express had a promotion where new American Express Platinum credit card members receive a XXXX point bonus upon making {$3000.00} of purchases on the credit card within three months. I fulfilled the requirements within their guidelines and received the points. The points have been mostly spent. However, the remaining points have been locked up in the American Express system since the end of XXXX, 2016, pending what American Express is calling an " account review. '' A supervisor named XXXX, badge number XXXX, told me that she contacted the identity verification department and was denied access to my points, having been told the department is conducting a review of the account for eligibility of purchases made toward the bonus. Given the bonus was issued by American Express for valid purchases, I do not understand why AMEX has now locked up the remainder of the points ( XXXX ), valued at approximately {$63.00} ( of the original {$1000.00} worth of points ). Other representatives have told me an account may be flagged for review for eligibility because of returns made on the credit card, of which my account has none. I have been reading online about this promotional period, and it appears AMEX is trying to reneg on a promotion they offered widely to the public by falsely scrutinizing XXXX of accounts. I request the CFPB investigate American Express for this behavior, especially when it is affecting paying customers like myself, who pay {$450.00} per year for this credit card product.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
MIDLAND FUNDING has been harassing me also for this debt of {$310.00} i ad them i was a victim of identity theft and this card was open by someone who stole my identity. i have called them many times and asked them to remove this from my credit report. i have even sent them the police report and fraud fraud affidavit, as a consumer i hve rights and this is not fair. they call my phone at all hours of the day trying to collect this debt that is not mine. this has to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Payoff process

Complaint:
I have a letter stating from American Express a balance owed of {$3500.00}. That has a full settlement amount agreement of {$200.00} which was paid in full. And they are still contacting me to pay more. I have the original copy of the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a account on my credit report reporting as child support/family support and courts do not even report to credit bureaus. This could be any ones account but they keep saying its mine. My signature is no where to be found and there is no evidence that this was reported with VALID verification. I have asked for it be removed multiple times and i have even called the courts who say the do not report to credit bureaus so they say dispute with credit bureaus but every time there is always a invalid investigation when i dispute with the credit bureaus.

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 2017-05-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My  XXXX / XXXX / 2017  statement with  Ocwen Loan Servicing contained a section called important News. It stated tha t my " payment amount has changed to {$1500.00} effective  XXXX / XXXX / 2017  ''. I made the payment of {$1500.00} on  XXXX / XXXX / 2017 .  Ocwen  is now indicating that there is a different change that occurred and. Thew new change indicates ab additional  XXXX  is owed and I have been referred to their escalation department. I have made several attempts to contact Ocwen and notify them of their error.

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 2016-11-02
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I received notice that my mortgage was being sold to Freedom Mortgage back in XXXX 2016, so I called my current mortgage company and asked how XXXX 's payment would work since I had it set up as auto pay. I was told by my old company I would have to pay Freedom for the month of XXXX and they would not auto draft the funds from my account moving forward, so I immediately called Freedom to schedule payment but was told they did n't have all of the documents ready to set up payment but I legally had a 60 day window to the month of XXXX and it would not be counted against me, so I did n't worry and finally everything settled and XXXX 's payment was payed on XXXX XXXX. Boy was I wrong to let my guard down nowhere it is XXXX 2016 and I 'm trying to refinance front om FHA to a conventional and have been told by Freedom I 've been denied based on delinquency from XXXX. I am beyond frustrated because I have never been late or missed a payment prior to my loan being transferred which was out of my control, how is this legal for a company to penalize me when I was in the 60 day window? I am lost as to what I can do I 've tried explaining this to them but they keep giving me the run around, what are my options?

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 2017-01-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My monthly payments were applied late. Therefore the system marks it as not paid. After having this issue for several months and calling about it they said I needed to pay my bill 10 days prior. I might not have the money at that time to do so. Because of this they now say I 'm not entitled to have my loans at the locked-in interest rate which I 've had since 2006. So because their system is flawed I 'm penalized because I ca n't pay 10 days prior to the due date?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Received unwanted marketing or advertising

Complaint:
Transunion provided what I thought was free a credit report, but they included unwanted credit monitoring and charged me XXXX  dollars. This practice is predatory marketing on people simply looking to dispute a derogatory remark on their credit. This company needs to be reprimanded and I want my XXXX  dollars back.

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 2015-07-28
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I received a notice from XXXX XXXX Tax office stating that my property taxes were delinquent. I immediately contacted Vanderbilt Mortgage at XXXX and was transferred to their " tax team ''. I spoke with " XXXX '' who refused to provide his last name but informed me that his extension is XXXX. After explaining my situation to XXXX, he informed me that Vanderbilt received the same notice from XXXX XXXX XXXX office, however theirs stated that there was a delinquent amount of {$610.00}. I asked XXXX if he could provide me with the last payment made to XXXX XXXX from Vanderbilt XXXX via our escrow account ) and he said it was {$360.00} paid on XXXX/XXXX/XXXX. He then informed me that we signed an agreement for home and land taxes to be paid from our escrow account, however he could not explain why we got a delinquent notice or why they did not contact us when they got the notice. XXXX then informed me that he had another address for us, but refused to give me the address he was referring to. I then informed XXXX of what our address was and told him the address he was referring to did not exist. I am stunned that my mortgage company would have the incorrect address on a contract we signed 2 years ago. I want to know from Vanderbilt why I am receiving delinquent tax notices if they were suppose to be paying the taxes from my escrow. Also, Vanderbilt informs us every few months that our mortgage payment increased. This last time it increased from XXXX to XXXX. They constantly blame it on the insurance, however we have a fixed rate. I would like this company to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureau XXXX, Equifax , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, Equifax, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the XXXX law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the XXXX law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, Equifax, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: TX
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:
The credit card balance reported for XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$5900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Pursuant to my complaint # XXXX to CFPB, Regarding closing my account, enclosed is the Citi Bank 's letter dated XX/XX/XXXX, stating of the account closure and issuing an official check for the balance deposit to account holder 's address on the file within sixty days of the letter. As of this date XX/XX/XXXX, Citi bank not only has send my {$100000.00} deposit balance, but also no bank statement was sent since XX/XX/XXXX. 
Here again the Citi Bank violates its own commitment to customer, besides closing my account with irrational and abusive actions. 

I must emphasize, Citi Bank disregard my honest error by returning {$100000.00} transfer to resolve the issue and now withholding my {$100000.00} deposits over 115 days. Citi Bank restricted and closed my account on XX/XX/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 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Myself and my granddaughter have an account with you there was recently a fraud payment done on my account. My granddaughter recently lost her phone in the beginning of XXXX where she has the app on it about a month later the end of XXXX she gets a email about a payment that was made she called in and the agent told her I would have to call in I did the next day to tell them about the payment that was made on the account and that we did not make the payment. We were advised by the agent that we would have to wait for this payment to be posted on the account before they can even do anything. I called in as soon as my granddaughter let me know that it posted on the account. The agent then proceeded to assist me and advise me that there is nothing for me to worry about that they would help me in taking care of this matter. She helped change our online account information, and she also got a new payment for {$60.00} made using our XXXX XXXX account that we make our actual payments out of. The agent even helped me out in getting all my online information changed over. Here I am today to call about my balance after the {$60.00} payment posted and I was hear that my account has been closed. The representative let me know it was due to returned payments and Capital One has the right to close the account after 1 return payment. One representative told me I had 2 in XXXX which I may have but then an account XXXX told me I have 5 and there was nothing that he can do to open my account. When I asked well if that payment had nothing to do with it being closed why wasn't it closed before this happened. He stated Capital one has the right to close the account at anytime and that a letter will be generated and sent out to me but it was closed 2 days ago with no notification. I would understand the closure if this happened prior to the fraud but it didn't so I feel like Im being held responsible for fraud that was done on my account if I wanted to commit fraud at XXXX years old I think Im smart enough to know not to call in and report it. If the account was going to close due to returned payments why did this not already happen or stop allowing me to make payments from that account but instead the account was closed for the fraud payment and they are trying to say it is all payment history, and we just made a {$60.00} payment that posted this is ridiculous and I feel like I am being held responsible and being punished for fraud being done on my account and for us reporting it. No communication until now being sent out and this account was closed 2 days ago. I didn't know it was closed until I called to check my balance after that {$60.00} payment posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I received a notice in the mail from XXXX XXXX XXXX XXXX a debt collection company and they are attempting to collect a false debt. XXXX admits to being a third party, and I never gave them consent to have my location information. My consumer rights have been violated and I demand to receive remedy for each of the cited violations. There are a total of six ( 6 ) violations.

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 2016-09-28
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with XXXX XXXX XXXX that was refinanced with XXXX and closed in XXXX 2016. The loan has since been transferred to Seneca Mortgage Services from a letter that XXXX has sent to me. I have not heard anything from current mortgage company Seneca. No statements, welcome letters, calls or any contact whatsoever. I have also tried to contact Seneca 's customer service but it 's all automated and ca n't get to a live person. It asks for a loan number but the loan number I was provided by XXXX says it 's not valid on both their phone and web access. I do n't know what to do at this point since I ca n't even pay a mortgage I 've never received a statement on.

Company response to consumer: Closed
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: TX
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:
It is unfortunate that I have to continually complain against XXXX XXXX XXXX XXXX ( XXXX ). XXXX  labels all my complaints as duplicate but has yet to provide the permissible permission used to access my credit report on XX/XX/2017. XXXX didnt have permission and would rather feel like they have answered but they have yet to provide me with the valid permissible permission. They have also said they mailed the permission but that is false.

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