BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My wife and I were bumped from an international XXXX flight XXXX XXXX weekend, 2023. We were promised {$2000.00} in compensation. 

Turns out the compensation is in the form of gift cards only. 

Thinking them the safest and most easily used, I selected {$1000.00} of that amount to be in the form of American Express gift cards... they were available only in {$200.00} increments. Which means I have XXXX of them to use. I activated them as instructed. 

Since that time I have tried using them on multiple websites and they continually decline for no apparent reason : XXXX, XXXX, XXXX, etc. 

The customer service number on the card takes you to an automated system only, with no human available to explain why the cards continually decline. 

They are set to expire at the end of XXXX and I have NO recourse. I will lose the {$1000.00} since I am not able to find any company who is able to process them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a garnishment summons from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems , LLC and my earnings have started to be garnish, I'm not able to pay my rent due to this. This company purchased this debt which was written off on XX/XX/2011 by the retailer, XXXX XXXX XXXX amount of {$1700.00} and now this company wants me to pay {$2400.00} ( it includes {$1700.00} + {$500.00} Interest + {$58.00} Judgement Cost + {$76.00} Garnishment Cost ). I don't owe this company anything because I haven't done any type of business with them. Please help me because I'm in my XXXX 's and the amount that my employer is taking out of my paycheck makes it impossible to pay rent, utilities, and food. Companies like this should not be allowed to keep on hurting people who can not afford to pay for something that was closed over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was disputed and deleted from credit as the debt collector could not provide requested information of what was owed. Final payment of rent was paid in full. No proof of why I am being charged XXXX no breakdown. This resulted in me disputing this charge from my credit and it being deleted. I am continuing to receive the emails and calls following the dispute being deleted in my favor. Hunter Warfield is the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: World Omni Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
company called me 8 times within a 2 hour period on Tuesday XX/XX/XXXX with the first three calls being placed at XXXX XXXX and the last 2 being made at XXXX XXXX. on Wednesday XX/XX/XXXX, company called me 8 more times with the first call being made at XXXX XXXX  and the last being placed at XXXX XXXX. as of today ( XX/XX/XXXX ) I have recieved 3 more calls all occurring at XXXX XXXX. it is currently XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a {$500.00} prepaid Amex that can't be used anywhere despite there ads that it can be used anywhere Amex is accepted.The website for Amex shows the full available balance but it continues to be declined for amounts well below the balance. I called customer service, and it is a recording for declined online transactions to try another site that uses the cvv then it disconnects. I tried multiple sites with the cvv and still declined. I finally spoke to a representative after multiple calls and multiple attempts to find what button would get me an actual person, and they gave scripted responses that were same as recordings. I asked if it is because the zip code and they said if the site requires that it could be the issue because they can't update that. She said they increased security and to try other sites and said that i could use XXXX pay since she showed it connected, so I tried XXXX XXXX  ... and it declined as well. A lot of good it does to have security against fraud, if I can't even access my funds! I've used prepaid cards on all of these sites before with no issues, but i can't use this Amex card at all. The customer service is clearly designed to do nothing so I stop calling. I feel scammed by Amex, I'm out money and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I traded in my XXXX  Kia XXXX after 5 months of ownership due to me losing around 35 % of my battery life. The vehicle was traded on XX/XX/2023. I work at a Kia dealership so I was able to easily pull the payoff and when I submitted the payoff information, I forgot to turn off my autopay for the car payments. Their automated system said my vehicle was fully Paid off on XX/XX/2023 and on the XXXX of XXXX, Kia took out yet another car payment. I called them and they tried saying that my pay off went up. I asked them multiple time to explain to me how the payoff went up because I never missed a payment and the very first month I made an autopayment they took out 2 months worth of payments. So I was actually a month ahead. Their best explanation of why they took another payment out was because I never turned off my auto pay and even though the vehicle was 100 % paid off they said their system would still be taking out monthly payments until the lease maturity date. They then said they can process a refund for about half of what they took out since the " payoff went up ''. I asked what would have happened if I turned my auto payments off before they took out another payment and they said that they would have been short and would have sent an invoice to the dealership. However, since they already took another payment from me, they said they will just use that money to pay for the difference and refund me the rest. The Kia representatives I spoke with would not let me explain my concern and kept trying to shut me down so I could never get an actual explanation. I have attached a document sent from Kia showing a {$0.00} due balance for the month of XXXX, yet they still took out a payment. I also brought that up to their attention and they would not look into it at all. I think an attorney would classify this as unfair or deceptive acts of practice. ( 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 2023-11-24
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was suppose to have been talking to XXXX. XXXX. They got my cash app and withdrew XXXX $ from my account without authorization. Cash app has denied me to receive my money back from the scam please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Continental Finance Company, LLC
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested my account be closed. I was informed they was going to close it and I did not owe any thing for the account. Afterwards, I got a notification that my account was still open and they were charging me fees. I called them about the situation and they say they can only wave the late fee. But they reported my account as late. Im upset and feel like its unfair because I requested my account be closed months before.

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 2023-11-24
Company: DISCOVER BANK
State: GA
Product: Credit 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:
Apparently, there were charges made on the Discover card in the amount of {$900.00} and above to XXXX we have disputed these charges with the Discover card and now these same charges have been placed back onto the Discover account. Apparently, the card owner was not contacted about these charges being placed back on the Discover card. There is so much fraud going on with XXXX and people getting people information and using it and your company making the customer pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In the past 2 days my mother in law has received multiple letters on her door and from the mail man for me. Its copies of court papers from XXXX, XXXX that states that Im being sued but I was never aware of this. I have never received proper paperwork prior to this, nothing for me to dispute anything in writing, no paperwork for me to respond or settle any debt. Just copies now. Please cease and desist all communication for harrassmemt. My family is now being harassed. Im in the middle of paying off my bankruptcy to file. Im being sued with out any knowledge. Continue to send and tape letters on my familys homes. Im sickened, embarrassed and stressed. This is the only debt collector that has done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early XXXX, I received a summons from the company XXXX XXXX XXXX ( on behalf of Discover Bank ) for an amount owed of over {$12000.00} for a credit card opened in XXXX of XXXX. I called Discover to dispute the matter and was told that since they have a third party handling my account, I would have to go through them ( XXXX & XXXX ). I have since filed a dispute of the charges and filed a victim fraud claim with XXXX & XXXX, and as of this time awaiting to hear their investigation result. I have also filed a dispute of credit card report to XXXX and on XX/XX/XXXX received a letter stating a complete investigation which verified the accuracy of the XXXX XXXX, upon which I called XXXX and was advised to file further disputes through FTC. 

I contend that I am a victim of fraud and I did not open this credit card account with Discover. I was unaware of any activity associated with the Discover card in question and I was not sent any credit statements or late payment warnings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi there! 
I opened my business checking account at Citi Bank on XX/XX/XXXX. After 1 week, they closed this account without any notice. I couldn't use my debit card so I came to a brand and talked to the worker that opened the account for me and let him know why this account is closed. He called the back office and they told him this account was closed due to fraud warning by the other bank. I never know I have any fraud warning and never have any denied by other bank so I am disputing with the fraud department now for it. 
Anyway, they told me they will send a check of the balance {$3300.00} within 30-60 days. The account was closed on XX/XX/XXXXXXXX  and today is XX/XX/XXXX. It's almost 90 days already but I didn't receive my money back. I called customer service many times and also came to the branch but I got the same answer that they don't know where is my money going. Even the branch called the back office and same answer. So who know and can help me to refund my money?! It's ridiculous and distressing. I just hope I could get my money back. Please help me! 
Thanks a lot!

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 2023-11-25
Company: Experian Information Solutions Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I signed up for the free trial to check my credit report and cancelled it right before the free trial and this company had made repeated attempts every single day for the over a month to take an unauthorized charge of {$20.00} out of my account. Its hard to get a rep on the phone and they keep trying to debit my account even though because my card is locked it keeps declining they keep excessively trying to debit my account going on a month now

Company response to consumer: In progress
Consumer complaint received 2023-11-25
Company: DISCOVER BANK
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was Charged off XX/XX/XXXX  which per the FCRA, the debt is no longer owed to the creditor and they will receive a tax-write off. The debt has been sold which is against the FCRA. I requested a 1099c to submit to the three credit reporting bureaus so that the account can be removed from my report, to which I have not received a response or the 1099c. Per the IRS 1099c guidelines, specifically event code 7 explicitly states that this debt is to be canceled which would have the debt removed from my credit report. 

In addition, the creditor, although this debt has been charged-off, they continue to report the account as " charged off '' each month for the last 6-months. This is in violation of the FCRA. Continuing to report the account as " charged off '' each month is 1 ) illegally re-aging the account, 2 ) inaccurately reporting to the three credit bureaus, 3 ) creating varying activity dates across the three credit bureaus. All three issues are in violation of my consumer rights to accurate reporting per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX RE : Account Number XXXX XX/XX/XXXX To Whomsoever it May Concern : Thank you for taking time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a paid closed account reported on XX/XX/XXXX for my XXXX XXXX XXXX XXXX  account. 

I have been an customer of XXXX since XXXX of XXXX, and I am contacting you to see if you be willing to make an " Good will '' adjustment to my Experian, XXXX, and XXXX report. I had only one late payment in XX/XX/XXXX due to losing my job during XXXX XXXX. I have always been an excepional customer, and this negative inquiry is making it hard for me to get financing for a new home. I would like for you to consider deleting the negative inquiry from my credit report. I have been a happy customer in the past and hope I can continue that relationship with XXXX XXXX. 

Kind Regards, : )

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 2023-11-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XXXXXXXX XXXX XXXX my account was closed by Wells Fargo for a check that I deposited into my account from someone buying a car from me. There was no reason and no explanation for why my account got closed

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 2023-11-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting 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:
Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. Chase bank has an unauthorized inquiry on my XXXX  credit report that i want removed. Attached is a word document which is the exact letter i printed out and sent to chase via certified mail to let them become aware of what it is i want and the current situation. In the letter i also let them be aware that i would be copying the cfpb so it would force their hand to respond. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX : A payment was made in the amount of {$1000.00} per an telephone agent assuring me that this payment would not be deemed as late and later I found out it was. This was the only payment in my payment history with them that was ever reported late and it was hurt my credit score immensely. I wrote them a letter on XX/XX/XXXX asking them to remove the late payment from my credit report, especially due to the peak of coronavirus pandemic.I sent the letter Certified Mail and it was received by XXXX XXXX XXXX on XX/XX/XXXX with no answer back to my letter. I tried to dispute this through XXXX XXXX dispute with no answer back from XXXX XXXX due to closed account. I am asking for the removal of the late payment from my credit report. due to my exceptional payment history which is a wonderful indicator of my credit worthiness and this payment should have never been deemed late due to the information given to me by the telephone agent who took the payment. 

Bank of America Auto : One payment has been deemed late and dated to XX/XX/XXXX. I have been a bank of America customer for over 15 years ( mortgage and cars ) and this is the only late payment that I have with them. I also sent them a letter dated XXXX XX/XX/XXXX via certified mail and I never heard back from them. I am asking for this erroneous late payment to be removed from my account. When I contacted them via phone on XX/XX/XXXX, they stated that this account has been closed and there is nothing they can do, Because of my exceptional payment history, I am asking for this erroneous late payment to be removed from my account, especially during the peak of the coronavirus pandemic.

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 2023-10-30
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to defer Parent Plus loan payments b/c my daughter is a full time grad student. I was getting no responses by submitting the online form. Been told different things by each rep I wait in hold to speak to for hours. Last rep said I had to wait until she attended first week of classes and it would trigger the code to show she was in fact still full time. I have resubmitted twice and I never hear anything from this lender. I get the online confirmation it was submitted, but no details and then it just disappears off their site and shows no record I even did it. I am tired of waiting on hold for hours when the website should be able to provide this information. I have been working on this since XXXX. Why tell us we have to wait if your company can not manage the processes you tell us to follow. I have also tried the press 1 to save your place in line and get a call back. No one calls back. This is chaotic and I have a job to perform and can not keep spending so much time on this, but now all my payments are past due and my great credit us going to get destroyed. What do we as consumers do when we can not contact anyone at this lender and we need help? I was also told by my personal school loans previous lender to consolidate mine and request tge XXXX payment plan or request they put me back into the deferrment I was in prior to doing that to meet that deadline, but got denied for both of those with Edfinancial. I am a struggling single XXXX trying to support my daughter in school to live. I can not afford to pay for two apts and thousands of dollars in school loans right now. This is beyond stressful. Edfinancial is the worst lender I have ever had experience with because it is impossible to reach them and their online forms and processes go nowhere.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Transunion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below DOE  XXXX XXXX Balance Owed : $ XXXX- DOE XXXXXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : $

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