BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/2015, I called Capital One to inquire why my card repeatedly declined. There had been a hold placed on the account regarding charges it felt could be fraudulent, but I had made the charges. I spoke to XXXX, an account specialist who lifted it after verifying pertinent information, and who said he 'd lift the hold, but it was n't lifted. I called back, but I could not remember my password, as I just get out XXXX two weeks ago, after having a long stay. I spoke to XXXX and subsequently XXXX who put me through the ringer, doing verification, passing all questions ; and, yet, they still demanded I send in proof of who I am, though by at that point I had remembered my password and it was verified. I went through a long verification process and passed, though XXXX LIED and said I did n't. I HAVE NEVER LIVED IN ARIZONA, SUCH QUESTIONS LIKE THIS WERE ASKED!! This is nothing but harassment. I just got out XXXX, and I am still very sick. XXXX had the audacity to tell me go out and apply for a state ID, as in NY you are not required to have a state ID. Here I am, sick, and this XXXX tells me to go get a state ID and send that in, after she had put me through a very long, longer than usual, verification process!!! This is nothing more than senseless harassment and ABUSE from these XXXX dogs, because they, literally, uncalled for, put me through XXXX! This is why I am filing a complaint, because there is a hold on my account and it is totally unnecessary, because despite repeatedly telling them and the notes showing XXXX verified who I am and was supposed to remove the hold, but he did n't who the system failed, they would n't budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank is NOT fulfilling the terms of their promotion for new CitiGold clients who are also Citi Thank You credit card holders. In this promotion, Citi Thank You credit card holders were promised XXXX Thank You points for opening a new CitiGold checking account. The terms of the promotion were that, in order to receive the Thank You points, the new CitiGold clients were to do 2 online bill payments in the 2 consecutive months following the opening of the account. The Thank You points would be credited to the new account 90 days after the statement in which the terms were fulfilled. I have now spent 4 phone calls, 2 secure messages, one online chat, and two letters asking Citibank to credit my account with the XXXX Thank You points. The result of all my requests was that Citibank sent me two generic form letters of which each had precisely the same words. Citibank refused to credit my account with the XXXX Thank You points because " Unfortunately, there was not an ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' Very significantly, this statement blatantly contradicts a secure message that I received from a CitiGold Customer Service Agent. A few days after I opened the new CitiGold account, a CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that attached to my account was the promotional code for the XXXX Thank You points. Moreover, the CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that, " The bonus Thank You points will be credited by Citibank to your Thank You account 90 days from the end of the statement period in which you complete all offer requirements. '' Evidently, CitiGold 's own Customer Service Agent had _explicitly_confirmed_, _in_writing_, that the Thank You Points promotion was indeed offered in conjunction with the opening of my new account. I will be providing a copy of this secure message. Therefore, Citibank must credit my new CitiGold account with the XXXX Thank You points that were promised in their own promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
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: Account status incorrect

Complaint:
I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX  in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: WELLS FARGO & COMPANY
State: GA
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:
Credit bureaus were addressed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have just recently filed a complaint number XXXX. The complaint was closed without the proof or documentation. 
American Express did not post the misapplied payment as they stated or adjusted my interest. 
They need to show the proof on my account with payment dates not their word to resolve the matter so there are no more disputes. 
Can you reopen the case and inform them to take a further look as someone did not do the job and they fraudulently stated it was completed. The payment was not applied according to my PDF statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: SCS Credit Corporation
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX, I was informed that a ex-boyfriend was using my credit information to obtain several car loans and furniture. He obtained XXXX car loans, which were all repossessed due to his inability to register them with motor vehicles. At the time, I had a protective order due to past domestic incidences which he served time in jail and was released in XXXX. Because of the protective order, I was contacted by the police when they found the abandoned vehicles to check on my safety, and then subsequently found out about the several car loans and furniture accounts that were opened within a month or XXXX of each other. XXXX of the car loans were taken out at the same buy-here-pay-here dealership, which I 've worked with the credit bureaus to clean up the information on my credit report from all the fraudulent accounts, names, addresses, and more. All but XXXX of those accounts have been removed from my report, since the person was convicted of fraud and sentenced. SCS Credit was the dealership that sold XXXX cars to this individual and has only removed of the loans from my report, despite the official police paperwork that was submitted to them. I have been trying to purchase a home for the last year, but this last fraudulent account is the only issue standing between me and my XXXX home. I just had my XXXX child and would love to be able to purchase a home and this issue has kept me from doing so. Since the information that was used to open the account was all fraudulent except for my name and SSN, they state that they would be unable to speak to me about the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This car loan has been on my credit report over  7 to  10 years and should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i was contacted by Portfolio Recovery associates XX/XX/2016 stating they bought a debt from XXXX XXXX that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found a debt collector under the name of I.C. System, Inc. on my experian credit report, attempting to collect a debt for " XXXX XXXX XXXX ''. I have no knowledge of this debt. They have not sent me anything in the mail to make me aware of the debt, nor have they tried to call. I disputed this through XXXX, but they reported that they have confirmed the debt. How do you confirm a debt and I have not heard from anyone about this at all and have no knowledge of any of this?

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 2017-07-21
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have 2 store cards with XXXX XXXX and I lost my job on XX/XX/XXXX and havent been able to pay the minimum balance. On one of the cards I suppose to have the CC protection that would protect me if I lost my job. I talked to XXXX around XX/XX/XXXX or so to ask for some type of payment extension because I otherwise pay early or on time and I pay extra. They refused and now I get at least 25-30 calls a week from unknown numbers and numbers with area code ( XXXX ) and ( XXXX ). It has gotten so bad to where I had to block the number and now I have 31 voice messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Other

Complaint:
Kohls Credit Card Department offered me an option to keep my credit account which was past due open, they stated through every communication they were Kohls department store. In XXXX of last year they convinced me to go into a payment arrangement for XXXX months at which time it would catch the account up and all late payments would be removed from the account. After the last payment was made I continued to receive calls and informed them the arrangement that had been made with their agents and was informed that the card was closed and that I could try and reapply but otherwise it would remain closed, which was not what i had originally agreed upon when i made the arrangement with them. I told them before I would even consider anything else I wanted a bill, which i never received. Now they are harassing me saying the bill is over the amount i had already was supposed to have paid off because they added late fees yet again because they have not sent a bill. So now I was conned into going into an agreement with them which i honored to get use of my account back only to have been lied to and the account closed, and they continue to harrass me on my private cell line after being informed to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: MM RV JV 1, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX and XX/XX/XXXX Interest mortgage ( Mortgage Loan ) processed a loan refinance for me and payed off the previous balance of my loan to my previous mortgage holder XXXX XXXX Mortgage. As commonly occurs the amount initially quoted and paid by me for the payoff was higher than the actual payoff ended up being as I paid an additional month of balance down during the time that the loan was processing. When this occurs, mortgage handlers are required to send the overpayment back to the client. I have received no overpayment back from Interest mortgage. Here are the details : Interest mortgage charged me {$400000.00} for the payoff Interest mortgage was only quoted {$400000.00} for the payoff per the payoff settlement In addition Interest mortgage was quoted interest for a further 2 weeks then I carried the loan with the payoff attached, thus when you paid you actually paid {$360.00} less than the CD settlement summary. 

Therefore interest.com owes me a settlement of {$2300.00} plus {$360.00} = {$2700.00} which I have to date NOT received. 

I contact interest mortgage on XX/XX/XXXX ( to XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX who had all previously been involved on my loan ) with all documentation of Closing document, settlement with my former mortgage company XXXX XXXX XXXX Mortgage ) and the amounts of discrepancy without response. I then contacted customer service at Interest on XX/XX/XXXX, again without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
we bought new furniture at XXXX XXXX 12 months interested free was paying on it for 11 month all auto payments payments came out on the 5th of each month like clock work, when it came to the 12th payment all of a sudden the payment could not process and then Well Fargo add all kinds of fees.

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 2015-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I once had XXXX Capitol one credit cards. XXXX for XXXX and XXXX for XXXX. I XXXX an during my XXXX I missed a payment on the lower card. I called them immediately and they understood completely. I paid the card off on the phone and closed it. In return Capitol one removed the negative from my XXXX and my XXXX credit report, but left it on the XXXX. I called and ask that they remove it and they refuse. According to the law if they remove it from one they must remove it from all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am XXXX XXXX and I am making this complaint on my own accord. I have been a victim of Identity Theft since XXXX. Upon looking at an updated credit report I discovered once again that someone is and has used my likeliness to obtain credit and utilities they have also trie applying for credit using my personal information. The person established a XXXX account which is now in collections for {$540.00} they also established a XXXX account which is charged off and reflecting negatively on my personal credit. There are also inquiries in which I did not authorize. These inquiries are reporting on Transunion and XXXX. For Transunion ; XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. For XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The XXXX account is now a collection with XXXX XXXX XXXX and is reported as a collection with all three Bureaus. These accounts and inquiries are unauthorized and fraudulent. I demand these be removed from my credit profile because they do not accurately depict my credit worthiness. This has had a tremendous impact in my everyday life. I have also filed an Identity Theft complaint with the FTC, my Identity Theft report is attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As any company in the USA you're supposed to receive payments for the services you give and the consumer is supposed to pay it. The thing is that a company like Honda Financial Services will limit you to only making payments through the phone and take away all other possibilities of making a payment like paying online. This is against consumer rights. I should be able to make the payment when and how I want as the consumer with all the options the give. I never heard of a company take away a consumers options to make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
its on the ftc attached the ftc violations and names XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I deposited a check into my account in the amount of {$1500.00}. I was told by the teller that funds would be available today. Without any notice I log into my account the bank has extended the hold for another 10 days. I have no money, gas, or food for my family. This is going to make me default on bills and everything when they could simply have told me thus upfront and I would have gone elsewhere. I can't afford this extended hold and frankly feel this is done to XXXX  which continues to perpetuate poverty for us. Bank of America has a long history of discrimination and this is just another one of those practices. They wouldn't let a XXXX  persons kids starve or be without food or gas.. totally unacceptable.

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 2020-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A Wells Fargo bank teller accessed my account information without me ever giving consent at anytime ( I have never interacted with this teller for anything ). She then added my checking account and routing numbers to her personal credit card account as a payment method. Then used my account to make a few payments on her credit card bill.

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 2016-11-21
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
1. Hunter Warfield sent me a letter to collect application fee and reservation fee for their client : XXXX. 
2. XXXX is an apartment renting and management agent in XXXX XXXX, to which I applied an apartment to rent in XXXX online, however I never got any reply from XXXX to either accept or reject my application. Later on they charged me for application and reservation fee, which I requested them to present me any legal documentation signed by both parties, which they failed to do so. XXXX then decided to send this case to the debt collection service Hunter Warfield. 
3. Once I got the debt collection letter from Hunter Warfield, I sent three certified letters to Hunter Warfield to respond and present me any legal documentation which proved that I owned XXXX any fees, Hunter Warfield never replied my requests. 
4. Due to my international travel and a potential impact on my credit while I was traveling, ( this was clearly stated in Hunter Warfield letter to me " This debt has been reported or is scheduled to be reported to one or all of the following XXXX national credit reporting bureaus : XXXX. If your debt is reported to the credit bureaus this could adersely affect your credit. ) 5. I then filled their debt collection letter with my credit card info for the charge, alone with a letter clearly stated that they needed to reply my request on providing me legal documentation on the debt before they could charge me on my credit card. 
6. Couple of weeks later when I came back from my international trip, I did n't receive any legal documentation on the debt Hunter Warfield claimed that I owed, but Hunter Warfield had charged my credit card.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio has consistently refused to remove incorrect information from my credit reports even though I have ask them several times. They have sent several " verification '' documents to my house but they are insufficient. This is time barred debt and the date of first delinquency is over 7 years. I have enclosed what they are reporting on my reports and also I have enclosed what they are sending me as " verification ''.

Company response to consumer: Closed with explanation