BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-23
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Issue: Advertising and marketing

Complaint:
Amex violated XXXX I applied for an American Express because I saw an offer for obtaining XXXX bonus points for signing up for an American Express card. I was approved for the card, but only receive XXXX points. I contacted Amex customer service soon after my account showed only XXXX points and told them that I had a screen shot of the offer that I clicked to apply for the card. I sent the screen shot to Amex and they opened a case for me. I waited about one month and did not get any updates or status on the complaint. I contacted Amex through their live chat option and was told the case was closed. I asked them why and they did not provide a reason other than the offer I clicked on was for XXXX bonus points. I explained to this rep that I sent proof of the offer. The rep then stated that she would have the case re-opened for review and that someone would get back to me. Again, no one contacted me, so I contacted Amex through live chat. Basically, the customer service reps on live chat do not provide me a reason why I did not get the XXXX points even after I sent proof of the screen shot of the Amex offer that awarded XXXX. 

I thought Amex had a reputation for great customer service. What I learned from this experience is that Amex uses a bait and switch tactic to entice customer to apply for their cards to get a certain number of bonus points and do not actually provide those points. How can a mega-company like Amex get away with this? I 've read online that Amex as been cutting costs, especially the customer service area, but they have cut costs to business practices online to avoid following the federal unfair, deceptive and abusive acts an practices. Please help. [ note that I 'm assuming that the XXXX points that Amex deceitfully withheld from me is worth about {$200.00} ]

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
eBay have developed an amazing new trick in maximizing profits by withholdingcustomers access to their own money. 

I sold a bicycle on eBay auction for {$800.00} ( XXXX/XXXX/15 ) The buyer paid PayPal {$860.00} ( ( {$800.00} plus {$67.00} eBay specified shipping charges ) PayPal immediately deducted their fee of $ XXXX flagged my PayPal account had a balance of {$840.00} whilstsimultaneously placing a hold on these same funds. 
The hold being controlled by eBay. 
eBay unilaterally and randomly decide the length of the hold with no means for customers to challenge. 
A very small number of high user ( meaning big spender to eBay ) customers are freed from this hold imposition. 
With present day virtual and instantaneous money management eBay is able to control and profit from my money still being in their account for their own uses. With the enormous customer throughput even the average small transaction amount generates huge profits to eBay all without asking/telling the customer. 

During my hold period eBay had the temerity to email to say that they would be automatically deducting, from my credit card, their fees for the auction before the hold was lifted. 
As of XXXX/XXXX/15 funds are still " on hold ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX : XXXX Main Date : XX/XX/XXXX I never made this inquire, this is not mine, this is fraud. This account is not mine. 

Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account not mine, inquiry removal. 

Company Name : XXXX XXXXXXXX XXXX Date : XXXX XXXX, XXXX Account not mine, inquiry removal. 


Company Name : XXXX Date : XX/XX/XXXX, XXXX Details : I did not approve of this, promotional inquiry Company Name : XXXXXXXX XXXX Date : XX/XX/XXXX Details : Credit report, I did not authorized this on my file. 

Company Name : XXXXXXXX XXXX Account number : XXXX Details : Not correct : The balance on this account is way to outstanding and high it's not correct. Last payment date/Closed Date incorrect. 

Company Name XXXX XXXX Date : XX/XX/XXXX Details : Account not mine, I never been in XXXX this is fraud inquire, I would like this t be removed ( fraud ). 

Company Name : XXXXXXXX XXXX Date ; XX/XX/XXXX Details : I did not make this inquire this needs to be removed! XXXX XXXX. 

Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Details : This needs to removed information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went onto my XXXX  XXXX account to check my credit score. It was lowered from XXXX to XXXX. I remembered that I was sent a letter from the Levy Law Firm Co. , LPA, who, I have been waiting since XX/XX/XXXX of this year ( the first time I called the firm I couldn't get in contact with the debt collector, but I left a message to their voicemail ) to hear from them about a XXXX debt I owed for some kind of medical bill. After the 4th time I tried to get in contact with them since XXXX, which was today, a debt collector answered the phone. I asked why I have had not received a response since XXXX, and their excuse was that they did not have enough people to answer the phones because of Covid-19. The debt collector then told me that I owed a XXXX debt for a missed appointment on XX/XX/2021, with a Doctor XXXX XXXX who practices for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The debt collector gave me the phone number to the XXXX billing department so I could talk to them about the medical bill and find out what it was for. I told the debt collector that I would call her back. I then called the XXXX billing department. It turned out I did miss an appointment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021, which was an appointment with an allergist. The XXXX billing department said they sent me four letters after XX/XX/2021, with a bill for the missed appointment, with the first one being sent out on XX/XX/2021. I tried to explain to them that I had never received any bills from them in the mail, but they did not believe me. They told me that it was " out of their hands '' and that I should call the debt collector back. I called back the debt collector at the XXXX XXXX XXXX XXXX XXXX and was sent to voicemail again. I believe that the XXXX XXXX XXXX XXXX intentionally did not call me since the time I left the voicemail in XXXX so I could not pay off the debt and so that I would be penalized on my credit score. There excuse for not calling me back was because they did not have enough people to answer the phones because of Covid-19, but that is unacceptable because they are a law firm/debt collector and definitely could have followed up with me after I left the voicemail by calling me back and allowing me to set up a payment plan with them like was originally mentioned in the letter, but they did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: FACTUAL DATA CORP.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
According to my most recent credit report, Factual Data at XXXX XXXX XXXX XXXX XXXX CO XXXX is currently reporting to the XXXX credit bureaus that I applied for credit in XXXX 2014. I did not give authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. Having these inquiries are adversely affecting my credit report and is impeding my ability to obtain necessary credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been long time client of HSBC Premier Banking in the US. Apparantly, starting in XXXX of 2016 HSBC started charging me {$50.00} a month for a checking account. I received no notice from HSBC about this change, either USPS or email. They only contacted me once they put the account into an overdrawn status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX, I was having breakfast with my nephews at XXXX in XXXX Wa XXXX when I received 2 text alerts, 1 for {$400.00} ATM withdrawal, 2nd for {$320.00} ATM withdrawal, I immediately ran out of restaurant to call Chime customer service to inform them of the fraudulent withdrawals, they informed me I had to wait till the transactions settled before I can file a dispute, the transactions settled Saturday XX/XX/XXXX, so I filed the dispute and sent all my documents showing I was at XXXX and XXXX min away in XXXX XXXX Wa. My receipt at XXXX restaurant shows XXXX when I ordered our breakfast, the 2 ATM withdrawals were done at XXXX, and XXXX 1 minute apart at XXXX XXXX store in XXXX XXXX Wa XXXX my argument to Chime dispute department was, how could I have been in 2 places at the same time? Also I called the XXXX XXXX store and left a message for owner to call me so I could report what happened, but I got no call back. Chime denied my claim stating there was no error, so I was furious and called chime dispute department again to reopen my claim that I was going to forward additional documents regarding my dispute claim, I forwarded photos that the manager at XXXX retrieved from the restaurants surveillance camera showing my nephews and I sitting at our table in the restaurant at the time the ATM withdrawals occurred and a screenshot of my police report I filed with the XXXX Police Department with the tracking number from the police report, I asked chime for a provisional credit due to the fact that the person who fraudulently took my money from my account wiped me out! I dont have money for gas, or food due to this criminal activity, Ive read other complaints against chimes unethical practices and so Im reaching out to you organization for help! Please help me.. Im desperate and in need of help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home experienced a broken pipe and suffered flood damage. My insurance company issued me a claim check pay to myself and my mortgage company Ocwen. Ocwen will not release the funds until they are provided with a Third Party Adjuster Worksheet. The insurance company does not provide such a worksheet, they paid out a negotiated the claim and do not provide any further information. 
The repairs have been made and the contractor is expecting payment and Ocwen will not disburse the funds held in escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Control Corporation is reporting negative information on my report. First CCC  never mailed FDCPA_compliant collection letter ever and i notified them right away and until this day they have not send me any notice at all. second On my XXXX file they are not even providing their name its showing collection under no name. second en XXXX  file they are reporting every month as " C '' since XX/XX/2021 and on the XXXX and XXXX XXXX they are not reporting any payment history. 3rd after many requests in writing they are not providing any details and when i call i get threatened to put lein and garnishment when there is no judgement at all and when i tell them i will file complaint to cfpb they tell me i will be taken to court if i file any complaint and they can reduce the debt to 80 percent if i pay them in full. they also say if cfpb is involved they will charge me full money and legal fee. until this day i dont know what is this debt for and if i owe XXXX  any money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently filed a complaint. My complaint # is  XXXX . The response from the company is false. The information in the response is false. I will attach copies of paperwork I have sent to them. The dates are wrong, the money order info is wrong. Please contact me by phone or by mail or email and I can give you the correct  USPS Money order info as this company has told me in many conversations that they never   received the money order, could not find my bank account, yet my account has been debited money and fixed. I do n't know who 's money order number is that they furnished to you but it is not mine. I want this fixed and fixed right. Someone from that company cashed the money order but did not fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Credit card
Issue: Other

Complaint:
Midland credit harassing phone calls night and day. Now, sending me a demand for payment for which I do not owe. They do not have a license to practice in the state of Massachusetts, as well as violating numerous illegal debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Flagstar Bank, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a Home Affordable Modification Program ( HAMP ) to my mortgage. I have faxed all the required documents exactly as requested by Flagstar bank and was contacted by XXXX XXXX XXXX with a request for Thirty days consecutive pay stubs ( Emails are attached as proof ) to complete my application package. Ive sent those documents to her however I received mail from Flagstar requesting some of the documents that were sent in with the original package. 

I have applied for a HAMP in the past ( XX/XX/XXXX & XX/XX/XXXX ) and was met with the same issue. I was asked to provide documents I had already submitted to which I complied only to be asked for different documents that were also part of the original package submitted. This went on until my 30 day grace period was up. 

It is my belief that Flagstar is intentionally delaying the HAMP application process past the 30 permissible days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an American Express Platinum card with a XXXX Membership Rewards bonus after completing {$3000.00} in spending over the first three month. I completed the spend requirements and was awarded the bonus on XX/XX/XXXX, but the bonus was taken back on XX/XX/XXXX. No one at American Express will tell me why the bonus was was taken back. I feel as this is a bait-and-switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: BBVA FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
BBVA Compass bank violated our privacy when XXXX XXXX XXXX XXXX BBVA Compass Area Mortgage Sales Manager for XXXX / XXXX XXXX XXXX disclosed Nonpublic Personal Information ( NPI ) on XXXX XXXX 2015 to our realtor without our permission. XXXX XXXX disclosed to our realtor that the BBVA Compass bank underwriter had denied our home loan, and he discussed the reasons why our loan was denied. This violated our rights to privacy. To make matters worse, XXXX XXXX notified our realtor prior to notifying us of the underwriter 's final decision. We believe this is a clear violation of Federal Privacy Laws including the XXXX XXXX and XXXX C.F.R. Part XXXX. As a manager at a major financial institution, XXXX XXXX is responsible for overseeing the servicing of loans and mortgage applications, and he should have been aware of his obligation to protect our NPI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act the following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  ( Original CreditorXXXX XXXX Mobility ) Acct # XXXX XXXX Acct # XXXX US DEPT ED Acct XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: ADP Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are a lot of the transactions but mostly transactions or hold that I didn't get put back into the account I have a lot of XXXX XXXX and XXXX transactions that I did not use and I have other unauthorized charges that happen on my card and wisely pay when I helped me because they said the transactions are older than a year but I've been through a lot in a year with losing family family catching XXXX lost my own family my job my car my place I've been in the XXXX that I finally upheld and I know it has been a little bit of time but I don't think that is right especially with me not even being able to file disputes with me not even being in the right State of mind at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a same day transfer on XX/XX/23 at XXXX XXXX from an external bank account XXXX to my Wells Fargo account. As an experienced person in this matter I have completed many successful same day wires from my XXXX account with no issues into my other accounts. After getting the confirmation from Washington that the money was successfully sent and processed, I called Wells Fargo to ask where my funds were. No one could provide an answer, they also insisted there were no incoming wires. I called the XXXX on XX/XX/23 to initiate a trace on the funds. I was informed the money was in-fact received by Wells Fargo with no XXXXC hits or any issues. The XXXX even stated they called Wells Fargo to confirm receipt of the funds. I called Wells Fargo back immediately and informed them of the issue, I even provided a copy of the original trace report outlining all of the details and they now tell me the money is lost and they can not find anything under the federal reference number. 

This is an extremely urgent situation as the money transferred was for a closing cost and now I am left without a home thanks to Wells Fargo.

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