BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-27
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from CitiBank to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to CitiBank, but never received a final statement from CitiBank. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to CitiBank that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from CitiBank. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both CitiBank and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but CitiBank refuses to honor their side, and I need assistance with getting CitiBank to get them to honor their agreement.

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 2017-03-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
American Express is not allowing me access to my Membership Rewards points after I have earned the points. I have an upcoming flight I need to transfer my points to and it 's frustrating how they advertise their rewards program and not allow you to use it. American Express refuses to let me speak to the department that handles it and refuses to give a timeline on when it should be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.

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 2015-07-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
My wife 's American Express statement showed she owed {$4700.00} in charges for the month of XXXX. The balance was to be paid in full by XXXX XXXX, 2015. Only XXXX XXXX, 2015, I posted the full payment against my XXXX account on the American Express website, and American Express posted my payment to its account on XXXX XXXX, 2015. On the same date, XXXX XXXX, American Express sent a letter to my wife stating it was reporting a late payment to the credit bureau, and notified the credit bureau that there was an outstanding balance of {$4700.00} due American Express. XXXX picked up the information because I filed an application to refinance my mortgage, and concluded that the information adversely affected by wife 's credit rating score. American Express states that it automatically reports balances due and that the report has nothing to do with a credit rating unless the credit cardholder is late in payment or in default for payment. But that 's not the way banks interpret the reporting. Although American Express was paid on XXXX XXXX, the charge of {$4700.00} was still on the credit bureau report as of XXXX XXXX Credit card companies should be prohibited from reporting charges to credit bureau unless the account is past due or the cardholder is in fault of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021, I attempted to make a store purchase with my American Express Bluebird prepaid debit card and it was declined. I tried to check my balance with the Bluebird phone app and it wouldn't allow me to do so. Instead, a comment would pop up stating something about the username and password are not correct. ( I'm sending a photo of the statement. ) I then received an email from Bluebird stating that my account has been suspended for a violation of section " 22D '' and they provided a customer service XXXX number if I had any questions. A minute later I received another email was stating that a dispute was denied for purchases that were made from XXXX that I had called Bluebird about because they were fraudulent and were supposed to be investigated. Apparently, charges in the amount of {$510.00} were made on XXXX with a XXXX XXXX that I had I had used before and was canceled due to receiving a new one. When the XXXX card did work, XXXX charged my Bluebird card for the purchase. I explain the matter to Bluebird and they told me that it would be taken care of. After receiving the emails, I called the number that was given for customer service. They stated that the explanation for the suspension is in the email but the email states to call customer service. When I requested the balance in my suspended account they told me that I would have to mail them a letter requested my balance. I have not received any more help and they refuse to take my calls asking for an explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. See attach

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I opened my account with Citibank. I changed my direct deposit to come to Citibank and 3 days later I got a email stating my account was being closed. I reached out to customer service and they were saying they didnt receive my funds. I called back the next day and thry had me call a consumer report company to get my funds back. 

I called again and was advised to visit a branch. I visited a branch and still was denied my funds. Then told to call the consumer agency again. But told my account will be closed in 3 days from now. And Ill get a check on 30-60 days. Yet still without my funds and unavailable to pay my rent and my attorney fees. This is crazy. I feel played and not helped.

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 2022-10-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So I was On the market looking for a house. Sadly I fell for one of those scams where I saw the house was listed at a good price and the landlord isnt who they say they are. On XX/XX/2022 I fell for the scam and sent my landlord {$1000.00} from my saving account to secure a security deposit. The next day I seen that the email enrolled on XXXX was unenrolled so thats when I knew something was up. I called my bank and told them the situation I was in, they later said they would do a claim but it turns out they cant do anything because I verified the amount but before hand, I was going to verify the amount I asked the my banker if I could get reimbursed if this because a scam so I said yes verify the transaction. Later to find out it was a scam and im not being reimbursed after calling right after

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 2021-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm trying to get my public record right and to show on my Experian.

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 2015-03-25
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2015 I have been receiving frequent or repeated calls from this unknown company ; the most recent number was area code XXXX. 
The first caller asked for XXXX XXXX and I mentioned to him that you have the wrong number and asked him please do n't call again. The second caller asked for XXXX XXXX and I told the female Representative that you have the wrong number and I was asked, " Do I know the this person? '' I also asked for the company not call again. Minutes later I called the same number back to explained about the first caller and wanted to know who or where I could make a formal complaint. It did not go well. Today I received a call from the number listed above and was asked to speak with XXXX and later asked " Do I know a XXXX XXXX? '' and that the conversation was being recorded. I just placed the phone on the bathroom sink and after a long pause it hung up. 
I felt that whenever I tell a caller that you have the wrong resident and the wrong phone number Why am I 'm being asked if I know this individual? The answer to it all is out right flat NO! 

It became clear to me this company intend to harass me XX/XX/2015 and I will not stand for this treatment. I need help and I am ready to suit. I expressed that I pay all my bills, getting upset will not help my current XXXX XXXX, I not hiding and I refuse to change my phone number that I owned for decade or more and that I was going to document these calls and report it to the State Attorney General, and now I want to add the XXXX. Can I please get some help about the callers asking for the wrong persons?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Nelnet, Inc.
State: VA
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:
XXXX XXXX CT XXXX XXXX XXXX XXXX, 2021 {$30000.00} XXXX, XXXX Reported : XXXX XXXX, 2021 {$160.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, 2021 {$210.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: LTD Financial Services, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
We helped to rent an apartment for our friend at XXXX XXXX. 
They left the apartment before the lease ended because they had a Family issue and needed to move back to Ohio. They didn't have the money to pay the fee the apartment charged breaking up the lease. So i know i was responsible because I was the one who actually signed the lease. We didn't had the {$1600.00} to pay either at time so I called XXXX XXXX if we can set up a payment plan. They told me they will reach out because their Corporate Office handling it. I called back several times. They gave me the Corporate Office phone number and email. I try to call many times and emailed them too. 
Nobody called and emailed back. Months went by and like several month later I saw the collection on my report. I have called the collection agency explaining the situation nobody gave us a chance to set up a payment plan. 
They have not sent us notice of the debt, a right to dispute it, or negotiate and we would like this resolved one way or the other and to have it off my report since i tried to do everything possible to arrange payment so it wouldn't be put on my report. i have tried disputing it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is reporting an unverified public record of a bankruptcy on my credit report. The court has verified to me that they did not supply this information to any credit reporting agency. I disputed the account with Experian who responded and said that they verified the account with XXXX. Well, XXXX has deleted this account from their record because they could not verify it. Again, this is an UNVERIFIED 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 2016-02-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being sued by midland funding ( encore ) for XXXX. They are claiming breach of contract. Court date is XXXX XXXX, 2016. The document presented to me as chain of ownership, are generic & can be used on anyone. They just typed a number or used a water mark on all the affidavits & give no specific information. The statement they used, looked like a generic template. Them there was a plain white sheet of paper, with some personal, but easy to get information. When I answered their questionnaire they asked me for my bank & bank account number, it stated that this was not pertinent to the case. I said that I disputed owing Midland funding any money & That I owed XXXX bank zero money. They motioned for a summary judgment, that I did not answer in a reasonable time, stating that I did not answer all the questions & that I did n't dispute that I owed money to XXXX. That their claim is valid & that they should be awarded money. I answer that I did not owe them the money, never received the papers they said they sent ( I did n't ), until I saw the motion for summary judgment & answered them & that I denied owing them any money & that I disputed the validity of their affidavits. Sited lawsuits against them for these very reasons. 
There were given until XXXX XXXX to answer. I received an answer on XXXX XXXX, postmarked XXXX XXXX. Which did n't give me any time to prepare a good answer, as that was a weekend followed by a holiday. They answered back that those lawsuits were inflamitory & should be stricken & that since I never denied owing XXXX XXXX bank the money & stressed this as the most important issue, that their claim was valid & they should get a judgment on that alone. 
I do n't have digital copies of their statement, but can provide copies in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
To Whom It May Concern : I opened an account with American Express Bluebird. I received sub-par financial service and customer service from them within the first month of having my account. 

I transitioned my direct deposit back to my bank account, and over the course of a month or two drew down reliance on Bluebird for financial services. 

Over a month ago I called Bluebird to request that they close my account. I was harassed to provide a reason, and I repeatedly requested not to. I was then hung up on for cursing at them for not doing as I had politely instructed. Attempts to contact American Express Corporate Customer Service were in vain, their corporate headquarters switchboard repeatedly terminated my calls, and finally redirected me back to customer service. 

Finally, I was told that they would close my account. They requested a call back in 24 hours to confirm. I told them I considered that conversation and confirmation that they would close my account final notice, no additional conversation was required and that I would not call back in 24 hours to confirm closure of my account. 

I did receive a check for the remaining account balance within 7-10 business days as they said. However, I have repeatedly received monthly statements for the past 2 months for an account that was supposed to be closed and that I was harassed during my attempts to close said account. 

American Express has played a dangerous game in choosing to aggressively attempt to retain clients, harass them when they request to discontinue their relationship and then maintain accounts open months after requests for closure have been made. 

Please consider this final written notice of my DEMAND that this account be closed as well as the final explanation of facts in regard to this matter. At this time, I will not communicate in any other form that writing with American Express and do not wish to be contacted by them either directly through telephone calls or indirectly through their regularly scheduled spam and credit card offer mailers. They have clearly shown themselves to be inept at providing financial services as well as attending to the needs and preferences of their clients. 

Any attempts to ignore or neglect this will be treated as an indication of American Express ' lack of respect for my preferences and financial/credit history integrity and appropriate formal complaints will additionally be filed with the XXXX and credit reporting agencies. 

Best wishes, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/2021 an Collections account from XXXX XXXX company for XXXX that does NOT belong to me has reported on Transunion and XXXX. I have reached out numerous of times to both companies stating that. I never had XXXX services. The address that they have linked to the XXXX services that they CLAIM Is mines the address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have spoken to them and told them that I have never lived at that address. My CORRECT old address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. Apartment XXXX is not my apartment number. I have bank statements to prove that I have never lived at that XXXX address. Credit bureaus are failing to verify information on this 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 2021-07-28
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitting a second complaint. This complaint is a followup to my original complaint submitted on XXXX ; the # is : XXXX. 

After trying to pull my mortgage out of Covid-19 forbearance since XX/XX/XXXX and paying my mortgage since then ; it wasnt until I submitted my CFPB complaint in XXXX that I learned that I wouldnt receive the loan modification paperwork until I dissolved the trust that my property was in. I went through the very laborious process of closing the trust and supplying Freedom Mortgage with the recorded deed that shows that I am the only owner to move forward with the loan modification and I was told today XX/XX/XXXX that a Freedom Mortgage loss Mitigation rep indicated that the deed was cut off and somehow not legible after they reviewed the deed. This is false and not accurate and again speaks to ineptness of many of the Freedom staff. I am yet again being given the run around and my mortgage is still in forbearance and I have been awaiting loan modification documents since XXXX. I have supplied my updated deed which clearly shows that I am the owner ; I am not sure how this company can continue to legally abuse and swindle clients. I need this issue resolved immediately. 

I also want to note that the response that Freedom supplied to the above complaint number, they said someone would followup with me directly, no one ever followed up with methis company has a huge lack of customer service and followup and they are dealing with peoples homes.

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 2021-07-28
Company: AppFolio, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Requested copy of credit report from XXXX XXXX. They gave runaround and refused to give a copy of the report. They sent the report with password protection but never gave the information on how to access it. This was 3 to 4 months ago. I still have not received a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
Companies have passed the maximum days of investigation and have not been updated, or have given any solutions

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