BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: CITIBANK, N.A.
State: IL
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:
XXXX A transaction of {$11000.00} went through to a citi autopay that I did not authorize nor have this citi account. I have called citi about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called citi to have it closed and/or was told I do not have this citi credit card account? as far as I remember. However, a transaction was made today from my XXXX under the same citi credit card issue I have complained about it being used/opened not under me. I have asked for investigation from both XXXX and Citi. I do not know from Citi if there is an investigation under way XXXX made multiple attempts spending hours on hold and being transferred to different people. Had gotten hold of multiple individuals stating they will start an investigation, close the account/credit card and will refund the credit back. Had requested for names but customers service members refused to give their name. 

XXXX ( time is XXXX ) called Citi multiple times, reach someone stating there is no such investigation opened at all. I requested for a supervisor but the person on the phone cut me off. She hanged the phone up on me. phone number- 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 2016-04-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX did not send me a copy of the original signed contract which proved when i opened the account and i did not receive the full payment history as in statements. i see no proof that my last payment was made on XXXX/XXXX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
To Whom this may concern, The wire transfers that occurred between me and XXXX XXXX was for a business transaction. He portrayed himself to be part of an elite group called the XXXX and that was not the case. I have tried to email and contact the individual for some time now with no results. I would like for this individual to not me able to scam anyone else as I have been and please do not allow this individual to send any more wires in the future. 

I was not aware of this beforehand or I would have not conducted business with the individual. 

The wire total XXXX plus, and since I am protected by the CFPB and also the FDIC I would like to resolve the issue as soon as possible. 
Also note that the account in which the fund was pulled out is no longer an account with navy federal due to another

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Back in XX/XX/2019, I reviewed my person credit report because I wanted to know if I could qualify for Home Equity loan. This is my first time that I took my time to review every accounts on my credit report. I used to let bank or lenders to just run my credit report and notify me the result, so I did not exactly know what was in my credit report. 
After the careful review, I come to realize that there are several credit card accounts and one personal loan account that I did not make. I am very certain that I have never given my family members or friends to obtain these loans for myself. I have concluded that I am a victim of an identity theft. 
I reported this issue to Federal Trade Commission and to the police department already and filed identity theft reports. 
Also, the problem was reported to all three credit bureaus. Most accounts that were involved with the crime were removed successfully from my credit report, but Bank of America and XXXX from XXXX XXXX are still being reported on my credit report. 
I have reported these accounts to be fraudulent directly to the credit bureaus and to the creditors. All parties are ignoring my statement and two official identity theft report and continuing to post these fraudulent accounts. 
I have made proper request to validate these accounts by creditors or the credit reporting agencies to provide me with the following documents. 
A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have never received any of these requested documents. 
The creditors are attempting to collect the debt that they can not and will not verify and validate. This is a clear violation of FDCPA and FCRA. 


BANK OF AMERICA - XXXX BANK OF AMERICA - XXXX XXXX XXXX XXXX  - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX  my family and I checked into the XXXX XXXX XXXX  and billed the amount of {$340.00} to my Capital One credit card. As we didn't go into our room until late at night, we didn't know that the room was dirty and had mold into it. The hotel was full. So we stayed one night only. The following morning, we checked out by XXXX We complained to the front desk clerk, and asked that we not be billed for the 2nd night. The front desk clerk said he could not do anything about it and would have a manager call. No manager called us. We disputed with Capital One a few days later as the hotel billed us for two nights. Capital One said they would dispute the second night amount of {$180.00} with the hotel and would call us back if any issue. NO call was received by Capital, nor did we receive a letter that the charge was rebilled to our account. Only an email notice that the hotel said it was valid. We have sent in proof to Capital One that we checked out after one night and the item billed was not correct due to the item we prepaid for was not was described on the hotel website. Very upset with how Capital One handled this. I feel I am being discriminated against.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: NY
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:
Equifax sent me results from a dispute I submitted indicating : " THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE '' ( attached Pages 3 & 4 ) however on page 7 of the dispute results the item is not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
THIS IS AN AMMENDED COMPLAINT FOR COMPLAINT ID : XXXX PREVIOUSLY SUBMITTED ON XX/XX/XXXX On or about XX/XX/XXXX I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/XXXX, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/XXXX, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. On XX/XX/XXXX, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/XXXX. But ( they are liars ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/XXXX, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.. 

Capital One falsely claimed to CFPB that they had credited me {$64.00} for the amount disputed to my account. ( Capital One are liars ). When I contacted Capital One about this dispute, they credited me {$64.00}, but on XXXX XXXX Capital One took back ( charged to my account ) {$64.00}. Capital One told CFPB they credited me {$64.00}, BUT CAPITAL ONE DID NOT MENTION THEY TOOK BACK THE AMOUNT OF {$64.00} ON XX/XX/XXXX. ( CAPITAL ONE ARE LIARS TO CFPB TO CHEAT THEIR CONSUMERS ). CFPB please bring justice for consumers. Please see the attached statement. The amounts and dates Capital One gave and took back are highlighted yellow in the PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have an American Express Serve card that I use as a budgeting tool. For the last year I have setup daily deposits from my XXXX bank accounts into my AMEX XXXX card for {$180.00} daily for a monthly total of approximately {$3400.00}. I then use their bill pay option to pay my rents and bills with these funds. On XXXX XXXX i logged into my account and discovered most of my money was gone with XXXX foreign transactions totaling XXXX that appeared to take place in XXXX. ( I have never been to XXXX ) My card was never lost or stolen and is stored at home in my safe since I do n't use it as a traditional credit card, but as a bill payment budgeting tool. I contacted American Express immediatlly and spoke with their fraud department who helped me change my password, pin and security question. The also cancelled the card and ordered me a new XXXX. They reassured my that my money would be returned to me within XXXX7 business days and that I would be contacted by a fraud specialist in the next two days via my phone. I waited a week with no response or activity, so I called again on XXXX XXXX, 2016 and had to repeat the same procedure again with a different fraud agent, who again said someone would notify me in a couple days and that my money would be returned within XXXX7 days. On XXXX XXXX, 2016 I attempted to log into my account and check the balance only to discover i had been locked out. I again called American Express who informed me that my account was closed due to some breach of contract and that my case was denied and I would not be credited with the stolen {$1000.00}. In addition they froze approximately {$2000.00} that was still in my account and said they would return it once my account had no activity. They will not communicate with me and inform me my only option is to write them a letter. I have a family of XXXX and they have put us in a very precarious position by not blocking these obvious fraudulent charges in XXXX and now closing my account and freezing my access to my {$2000.00} balance. I am not sure how I will pay my bills this month and am facing a 10 day eviction notice due to them taking my {$3000.00} and putting my family in a position where we can not pay our monthly bills. Ive filed a police report as they instructed but they still will not talk to me since they denied my case. Please Help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
midland funding has repeatedly attempted to sue me for a debt they due not own, filed suit in a state that I do not live in and where the debt was not incurred or billed. Improper service, they taped a summons to the front door of a house I do n't live in and got a default judgement after two attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2016-04-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In 2009, I was working in the XXXX XXXX. I did not open an account with HSBC. However someone who had my information did secure an account. I have trying for years to get this blemish removed from my credit file. I demand that the credit card company provide legitimate proof of ownership. I never signed any application. 
Accounts were opened online in my name and I have tried repeatedly to clear the matter. HSBC has not been cooperative and has not provided any substantiation to keep this on my clean record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
HOME OWNER 'S LOAN I was unaware the Bank of America had place a lean on my property when I borrowed against my loan in XXXX of XXXX. In XXXX XXXX " Variable rate snapshot '' identified : " New outstanding variable balance of {$25.00} due on XXXX XXXX XXXX. 
I had to call them to find out the reason. It was a lean release charge for a loan in XXXX XXXX! 
It was never explained to me that a loan was required. It is probably somewhere in the fine print of the loan documents. 
The bank did not notify me the lean was placed nor did they notify me it was released. 
And I had my business and personal accounts with them. Both had balances well over the loan amount. I have a " Platinum honors '' account status with the bank. 
Not only is this poor business practice, it is SENIOR ABUSE. I was XXXX in XXXX and now am XXXX. How am I suppose to know this? This is the only loan I 've ever had other than a home mortgage which is long ago paid off. 
I called the bank twice and the refused to waive the charge. 
Will you please help me? 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 2022-10-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I received a call from someone posing to be a USAA associate. They called from USAA 's phone number ( XXXX ). They told me my checking account had suspicious activity and needed me to verify my account. I proceeded to verify by giving them my account password, not knowing they were scammers. Immediately I logged in to see what was going on. Scammers then told me to give them XXXX business days to investigate. So the next day I checked my account again and it was - {$10000.00} and that's when I called USAA and reported it. USAA told me I was scammed and that they needed to investigate. So XXXX days passed and they called and told me that it was my fault because I gave them my phone password. I told USAA that they called from your number so I thought it was USAA. I am a XXXX XXXX  who gets XXXX pavements from the XXXX XXXX and the XXXX. So the XXXX of XXXX, USAA held my XXXX payments to put towards the XXXX. I feel that this wasn't my fault because the scammers called from USAA number. If they would've called from any other number I would've known I was being scammed. USAA also didn't put the checks on hold when they were deposited and the checks were pretty much blank. The scammers only filled in the dollar amount and scribbled a signature. I also believe USAA shouldve seen that this was bogus and stopped the transaction, instead they let it go through. They are talking about closing my accounts and making me pay back the money the scammers stole from them. USAA sent me copies ofthe checks that will I attach. I also filed a police report with NY State Police. I need your help in trying to overturn their decision and get my XXXX payments back. 
( XXXX ) XXXX. Call me if need be. I was trying to upload documents but the file was too big.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
First Investors Financial Services have stolen our auto loan payments and have not applied very many payments towards our loan balance. We refinanced our vehicle with them in XXXX 2015. Due to the theft regarding auto loan payments our balance has not been adjusted except on rare occasions. Which proves that the payments are stolen and not applied to loan balance! This situation has caused our credit scores to be terrible as they have ruined our credit! Let alone the amount of money missing that should have been applied to auto loan balance in order for the balance to be correct! So-what is going on with our auto loan payments -- -theft!!!!! This company has a bunch of thieves working for them and I believe the company should be shut down due to this fact! We have also made duplicate payments on a couple occasions and still balance remains the same! First Investors Financial Servicing Corp-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I receive recorded computer calls twice per day, every day. I know about the debt and have called them to please back off. This is harassment plain & simple.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX of 2020 PayPal put a limitation to my account and refused to allow me to withdrawal my funds, as well refused to close my account. To this day I still have money stuck in this account. I called PayPal today and was told they will not allow me to withdrawal the funds still remaining in the account, and also refuse to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with Beneficial Finance. EVERY month this year I have REPEATEDLY called as I DO NOT receive any statements!!! My due date is the XXXX, of course, the sooner you pay the less interest. I am at my wits end with this company trying to get them to send me statements. It is now the XXXX and still no statement. Mailing my payment takes a XXXX to arrive at their office, then more time for them to post the payment. As such, at times my payment is late and interest keeps building.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is achatge of {$510.00} placed on my credit by, AFNI , INC . 
Address : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account Number:XXXX, Original Creditor : XXXX That I do not recognize. I have requested more information on this account and disputed this item several times, but no changes as of now. Please help to identify this item and cancel, since it does not look familiar. Thank you

Company response to consumer: Closed with explanation