BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a " land-lord ''. I paid a deposit to view to meet with said land lord to view the property, and he set up the appointment, didn't show up, made up a lie, and stopped responding to me. Eventually, he responded days-weeks later, stating that he would not have any problems returning the money, and yet again stopped responding to my messages, and of course still has not returned any money. The transaction amount was for {$990.00}, after sending {$1.00} to make sure it was going to the 'right person '. I have all screenshots and documentation of communication as needed. I attempted to file a claim via XXXX XXXX, who directed me to Zelle. I filed a claim with Zelle, who of course denied the claim because I authorized the payment, but it was a scam, and it is sad to say that I truly can not afford a XXXX XXXX loss. I am positive that if this {$1000.00} was removed from the recipient 's account at any given time, they should and would understand why and there ( ideally ) should not be any issues. This was a desperate measure while looking for housing before XXXX started, and I'm sure this person scammed many other XXXX XXXX XXXX XXXX XXXX from posting nicely furnished apartments and rooms in the XXXX housing and roomates groupchat. I had confidence because I previously rented from a landlord at my previous college and had a great experience, and yes I paid my previous landlord via XXXX, zelle, etc. The interaction that I was having with this fake landlord was similar, and required a deposit just the same way, which was comforting to me because my previous landlord was amazing. Sadly enough, this turned out to be a scam. 

I would appreciate any help with this case. 
Thank you so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I would like to file a complaint about my Amex Hilton Surpass welcome offer that I applied on XX/XX/2023. The welcome offer was XXXX XXXX  + one free night reward after spending {$2000.00} within 3 months. 

Since Amex does not have a spending tracking system on the website/app when I signed up for a welcome offer, I had to manually reached out to the CS to check on my spending. 

On XXXX XXXX, I reached out to the CS, and the CS agent confirmed that I have met my spending and I will get my points within 8-12 weeks after I met my spending. 

On XXXX XXXX, I reached out to the CS again because I still did not get my points even after meeting the requirement. The CS agent stated that I will get my points on XX/XX/XXXX which is my statement billing date, so I waited until XX/XX/XXXX. However, I did not get my points on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to the CS again to see when I will get the points. Then, I was told that I did not meet the spending requirement {$2000.00}. I explained that previously agents confirmed me that I met my spending and told me that I will get my points on XX/XX/XXXX. The agent said I did not spend for eligible charges which do not include " fees or interest charges, balance transfers, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, or equivalents. '' I asked which purchases were not eligible and the agent said they can not provide specific charges. 

I know most of my spendings were shopping online or in-store, so this is clearly Amex 's faults : 1 ) CS confirming that I have met my spending 2 ) system issue that filtering my purchases as not eligible for the offer I am attaching my 3 months statements since I opened the credit card as well as the screenshots of conversations between me and 3 different CS agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-15
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX is attempting to collect a debt of {$3200.00} from me. The original creditor is XXXX XXXX XXXX XXXX. I had no idea who either of these companies were as I never received any letter or email stating that I owed them any money. Furthermore I never signed any contract with either company authorizing them to charge me {$3200.00}. Recently I discovered that my ex roommate also received the same account in collections so I called the leasing office of an apartment that I lived in on a XXXX month lease, XXXX XXXX, in XXXX XXXX California. They responded by email without acknowledging any debt that I owed them and simply told me to contact Hunter Warfield. I am still unsure of the source of this debt in collections but I did email XXXX XXXX and showed them all of my receipts clarifying that I paid rent in full. I also sent them a screen shot of the {$9800.00} that the California Covid rent relief program paid them for the XXXX months that I was unable to pay rent due to Covid. They actually received more money from the program that I owed them! And now they are trying to collect more money from me. I kept every money order and cashiers check so I have proof that they were paid in full. And I also have a copy of what the rent relief program paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Dyck-O'Neal, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: PNC Bank N.A.
State: FL
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/2023 my debit card wasn't working and I went into my PNC Bank in XXXX, FL. and they updated the PIN number. After they gave it back to me, I went outside to the bank ATM to make a cash deposit and the ATM took all of my cash and my card and no reciept was recieved. I went into the bak immediately and they said they have to dispute it and I will not receive and answer or my money for up to 10 days if at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There is plenty of evidence of what XXXX XXXX did to me. I am being unlawfully harassed and discriminated against. Wells fargo can deny it all they like. There is evidence of how many times i had to travel back and forth to the back. XXXX XXXX purposely put herself at the bank. I had no idea she was at the bank. Wells fargo is still covering for XXXX XXXX and protecting her. I never harassed XXXX or XXXX XXXX they harassed me. I didn't have my new checking account not even a month when it was closed. Because it was a set up yes it was personal. Why my account was set up. I will be talking to the XXXX show about how wells fargo treated me and exposing all their unjust harassment and the unjustly illegal closing of my checking account. I will expose XXXX and XXXX XXXX falsely accusing me of harassing them and how she slandered me at wells fargo causing me to lose my checking account. They want to continue to mess with me. I will expose them on the XXXX  show. 

The person who contacted me again was harassing me as well. Saying she had to verify that I had a different phone number. Well that's not what the other people had to do. She was just harassing me as well. XXXX XXXX had no right to continue to harass me.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers account.

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 2023-01-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
My account was automatically close or ban no warning I have no dispute or illegal activities transaction to my account. So I need help to restore my account because it's unfair to my side tank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: National Commercial Services, Inc
State: CA
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:
I received in a letter in XX/XX/XXXX a letter from National Commerical Services ( NCS ). 
The amount was stated as {$6100.00} with a loss date of XX/XX/XXXX. 
The Client named is XXXX XXXX ( XXXX ). Which I believe to be an insurance agency. 
I called NCS and told them I had no idea who XXXX XXXX was, and that no calls, letters or emails had been sent regarding the supposed claim. 
The NCS Representative said it had to have been sent, and I told him if it had we would have passed any claims to our insurance if it had been sent. I did ask then to send me copies of such claims from the client XXXX, and he said do you want us to litigate? I told him of course not, I just have no record of any claims and need so info about what the claim is about. I asked them to mail them, and he demanded my email address which I refused. I asked that the claim be sent in the mail, just like the NCS demand letter. He said, " I was making it slow and that I wanted them to file litigation against us ''. Real nice strong arm tactics when all I asked was for a little information to pass on to my Insurance Company. It is basically like he just wants us to pay their company off with absolutely no information. I really don't appreciate being threatened with a lawsuit in a 3 minute conversation especially when I look up the date of loss and have not incidents that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: OR
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid 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:
For several years, Fifth Third 's so-called fraud algorithm has been disabling my card and blocking valid transactions I'm trying to make, but it does not stop any actual fraud. Their blocking of my card and transactions causes me huge trouble even though I call the bank before I make a major purchase or travel and give them specifics so they won't interfere with my transactions. They assure me they will not interfere, but then they do. On one occasion, after I told them pre-departure that I would be traveling in XXXX and they should NOT disable the card if they saw charges from XXXX, they disabled it anyway, stranding me in the middle of nowhere XXXX  miles from the nearest airport so I had to WALK for days carrying my luggage. 
Last year they blocked the transaction when I tried to buy a new XXXX from XXXX, and because they blocked it, I never got the computer. 
Last week when I knew I would be attempting to buy a XXXX again, and a XXXX XXXX, I called Fifth Third and said DO NOT BLOCK MY TRANSACTIONS. 
When I looked online today ( XXXX ) and saw that the XXXX and XXXX transactions were pending forever, and then when I tried to use my card at stores, I discovered my card was blocked by Fifth Third! 
I went to the closest Fifth Third branch ( XXXX XXXX XXXX, XXXX, Florida ). The manager, XXXX XXXX, was rude and ignorant. She did not help me at all and does not deserve to be a manager because she lacks the skills and temperament for it. 
I then had to call Fifth Third, be transferred, and get a code before the hold on my card was released. 
I received no notifications from Fifth Third about the blockage and would not have known except that I tried to use the card at point of sale. 
Fifth Third has created suffering, loss of money, and lost time for me, and they make sure you can't reach corporate. They have a fortress around their corporate officers who create the algorithms and policies that work against customers. 
Fifth Third is not a corporate criminal like XXXX XXXX and other banks, but they are incompetent, and some of their employees, such as XXXX XXXX, are hostile. 
They need to fix their systems so legit charges from customers are NEVER blocked. 
So glad there is a CFPB and that the GOP hasn't managed to defund and ruin it! Email, not phone, is the way to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering itemswhen I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-04
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a a continuation of a problem that CFPB said was resolved on the word of the lender, Service Financial Company LLC, CFPB Complaint XXXX. In the their response to you they stated they had work out a plan with me, and would inform me of the plan. To date, I have received nothing from them, or any follow up from the CFBP regarding their response to you. Kind of amazing you just take their word with out any follow up. 
I am still paying for defective and damaged windows that Service Financial was notified about prior to funding the loan. 
I still have not received any of my loan documents or disclosures. 
I still have not received an explanation as to why XXXX, XXXX pulled my credit the same day as Service Financial pulled my credit or, who authorized this, because it was me. As a result, my credit score dropped XXXX points. 
I really wonder what the point of CFBP is for the single consumer? I know Service Financial is XXXX  XXXX XXXX or XXXX XXXX, but they still are adapt of taking advantage of them with no fear of repercussions.

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 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I was informed that Bank of America made a hard inquiry on my credit report on XX/XX/23. I did not authorize this inquiry, or apply for any sort of loan, mortgage, or credit card.

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