BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2021, I purchased 3 e-gift cards from American Express Gift Card Services totalling {$1300.00}. A few days later, American Express emailed me confirmation that they sent by email the gift cards to my three recipients. We are now 10 days later and my recipients have not received the e-gift cards. They checked spam/junk folders to no avail. On XX/XX/XXXX, I contacted American Express. I explained the problem and requested that they send me the e-gift cards so I can then forward them. They refused to do so and stated I would have to go in my account and change the recipient email. The implication was that I then would be able to resend. I went into my American Express GIftCard account. I searched under my orders. The search came back EMPTY. THe website stated that I had no prior orders. I called American Express GiftCardServices again, and waited another hour. I explained the problem to the agent, who claimed to be the supervisor. She stated, I needed to go back into my account and change the emails of the recipients. SHe either did not understand or she was programmed not to understand that this was not possible. She then repeated the same initial instructions. After going around a circle a few times, it became apparent that American Express had no interest or at least this agent had no ability to rectify this problem. In the meantime, I am mortified that it is past XXXX and my giftees have not received their promised bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2017-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I opened a Orchard Bank credit card in  XXXX  ( which later got sold to  Capital One  ). When I opened the card I opted for loss of income, illness etc account protection in which would pay your monthly payment up to 6 months if something happened. I had a medical issue come up in  XXXX    XXXX   in which I was unable to work. I submitted the claim and Orchard Bank did not honor the claim instead continued to report my payments late. Even though this account protection was  STILL  on my account and I had paid for it since opening my account years earlier. I was unsuccessful in getting this applied towards my payments during my medical condition and being unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a  XXXX  's credit card with the persuasion from a sales clerk to receive a discount on my items for purchase with the intent of closing the account after. I do n't ever recall receiving a paper statement but did receive an email showing the balance due. I did make full payment of the amount due on the account but it was electronically received 2 days late. In addition, the account was noted as closed. Subsequent to the account being paid in full I have receive d 2 late charges  of {$27.00} each. The first was {$27.00} for being 2 days late, and the second late charge of {$27.00} was for being late on the first late fee.     I called Comenity Bank today, and they claimed they could not eliminate the late charges since the account was closed. This is ridiculous and I feel they are taking advantage of me and putting me in a credit risky situation. It is not right that they will continue to keep charging me late fees due to late fees when the account is closed, and they have receive full payment of my purchases.     Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
XXXX I never consented to opening loan the school I attended never disclosed to me that I would be taking out student loans to cover the high priced tuition I would have never attended the school if I knew I had to take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion had a computer glitch   XXXX   and again   XXXX   thus caused inquires to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required 5 day notice prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquires that they had illegally added. These inquires add a hardship and my rights were violated by TransUnion. Please help make TransUnion stop victimizing me. As a resolution I request that all TransUnion inquires be permanently deleted from my report as a violation took place when they were illegally added.   TransUnion told me there was only  XXXX  glitch from  XXXX  thru   XXXX   and only agreed to remove  XXXX  dated   XXXX  . I asked that  XXXX  dated  XX/XX/XXXX  and  XX/XX/XXXX  be deleted, but they refused. I am also requesting  XXXX   XXXX  dated   XXXX   to be deleted as result of the glitch TransUnion had  XXXX , which they deny happened.   Thank you for your assistance in this serious matter.

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 2021-12-29
Company: EQUIFAX, INC.
State: SC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge off ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$10000.00} Collection XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance {$2300.00} XXXX XXXX Balance {$650.00} XXXX  XXXX Balance {$650.00} XXXX  XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
ACE CASH EXPRESS WONT STOP HARRASSING ME AND KEEPS MAKING THREATS TO PLACE ME UNDER ARREST. I TOLD THEM I LOST MY JOB AND COULD NOT PAY OFF THE LOAN, I ALSO ASKED IF I COULD MAKE PAYMENTS, AND THEY SAID NO, AND TOLD ME TO GO GET A JOB AT XXXX OR ELSE THEY WILL PRESS FELONY CHARGES AGAINST ME. MY BANK WAS WITH XXXX XXXX, WHEN I HAD MY ACCOUNT OPEN, I ASKED THEM TO DIFFER A PAYMENT OR FOR AN EXTENTION AND THEY REFUSED AND KEPT CHARGING MY ACCOUNT UNTIL I WAS FORCED TO CLOSE MY ACCOUNT BECAUSE OF NSF FEES. I HAVE NO IDEA WHAT TO DO. PLEASE HELP!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased  XXXX   US Ban k issued mastercard {$200.00} prepaid cards at  XXXX    XXXX   XXXX   on   X/XX/17    . When I went to use the cards,  XXXX  of the  XXXX  cards had the funds drained off them by a person in California ( I live in Ohi o ). It is  clear to see the numbers for  XXXX  of the  XXXX  cards only vary by a digit o r two  at end of the card number. It is clear that someone ran a sequence and drained all   XXXX   cards. I have contacte d US Bank Mastercard line several times and faxed them the required documentation 3 times now and they are not helping or claiming they didnt get all the pages of the faxes I am sending. They never call back. Their lacked security ( issuing cards to one a rea in such close numerical sequence is the cause of my funds being stolen and they are not helping make it right.

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 2016-01-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo foreclosed on my property with no right to do so. They did not pay off the previous mortgage I did. I paid them back my own money and then they took my property my escrow my proceeds my income and a loan I have paid again included in a mortgage on my house. 
Wells Fargo needs to return all of the money I paid them including the escrow they collected on another property to which I made separate payments to another lender. And return the money they were not entitled from the foreclosure. 
They owe me more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Reference to  CFP B Complaint No.   XXXX . Complaint was closed with the comment : Pursuant to User Agreement, you must open a Dispute within 45 days after the date of payment. Your  Buyer Dispute  was initiated 123 days after payment, therefore was ineligible for this protection.     Payment was made thr ough Paypal , Inc ( Pa ymen t Services ) . In the payment receipt fro m Paypal it was mentioned as " Need to file a dispute : If you have a problem with this payment to someone in   another country, you have up to 180 days to file the dispute. '' So this complaint has to be opened again a  nd Paypal must refund the fraud transaction. See attached receipt from Paypal.
I tried to contact Paypal that time against this fraud but they say some reason and did not move forward to register my complaint. Simp  ly wasted my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
deposited business check from a client Wed  XXXX   XXXX ,   XXXX   to our business checking account.  Deposit  slip said funds available Thur  XXXX   XXXX ,   XXXX  .   Friday  XXXX   XXXX , amount not cleared in our account, and they drew money from our business savings which did not cover the amount of insufficient funds, we had a negative balance.   Went to the bank, they said our bank  ( Wells Fargo )  had a hold on the check because there were not sufficient funds in the account it was drawn on  (   XXXX   ) . I called client, she called her bank, her bank mgr said the funds cleared Wed  XXXX   XXXX . Funds were out of that account. She also has an overdraft on that account which would have covered the amount.   We went bac k to Wells Fargo, an d they can only insist that the funds are not available, yet they were taken out of the  XXXX  account 2 days ago.   So where is this money?

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 2015-10-28
Company: Curo Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call at work and my coworker answer she said there was a XXXX XXXX on the phone and that it was regarding an urgent family matter as soon as I got on the phone, this man said he was a case processor and said that there was XXXX complaints against me by the state of California and that if I would like to speak with an attorney to do so and he said it was regarding a payday loan that was unpaid and that they were going to sue me? He had also left a voicemail on my phone saying good luck to you in th next couple days. I found this very harassing

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 2017-05-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter from  Convergent Outsourcing Inc co ncerning a  XXXX   XXXX   XXXX  bill of {$420.00}. They offered a 50 % reduced payment to take care of this bill. I have lived in   XXXX    since 2006 and t ook care of all utilities when I moved away. I never heard anything from the company until today.

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 2015-09-08
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PNC Bank : XXXX XXXX XXXX sent me a letter claiming that I owed their bank {$140.00} ( which I had paid at their branch nearby and was told by the branch CSR that I was totally paid out and that my accounts were at zero after the cash payment at the teller ). The letter XXXX sent me arrived in my mailbox on XXXX XXXX, 2015 and said that I had 7 days from the receipt of the letter to call her about it otherwise they would send it to collections. I called on Tuesday XXXX XXXX, 2015 and she said she had already sent the matter to collections without even waiting for my call. When I told her that it had n't been a full 7 days since I got the letter, she said it was too late. When I told her I would complain to the FBI, she immediately hung up. I 'm not sure I have located the receipt for that payment or could since it has been several months since the deposit was made. I believe PNC Bank is in error and is just trying to collect money fraudulently from me since I am XXXX. The CSR person who started taking full advantage of me was XXXX XXXX XXXX XXXX XXXX. Branch in XXXX, Florida. XXXX had lied about my behavior when I wanted to close my account with PNC, saying that I was yelling even though I was not yelling, just speaking with a disbelieving tone of voice XXXX I could n't believe she would n't close my account. The date of closing was within the rules. ) When I told XXXX it was unfair she expressed that it was too bad. I told her I was recording the conversation and she immediately hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Ashfield Management Services Inc,
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a voicemail from "  XXXX   XXXX  '', who did not disclose the name of his organization but simply said I or my attorney needed to return his call at  XXXX  regarding case "  XXXX  '' as there was a " complaint pending against ( me ) ''. The call actually came from a local area code that matched mine. I returned the call and was advised the company is called " AMS ''. When I was transferred to  XXXX   XXXX  I asked him for the address of his company. He replied by asking me what I was sending and I reminded him that he is obligated to disclose his company 's full name and address, which he then did as fast as he could. He advised he was with "  Ashfield Management Services  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY ''. He then advised me that he was calling about a defaulted payday loan and a " bad check ''. I replied that I had not written a bad check and he spoke over me and said " sure you did, a bad ach ''. I advised  XXXX   XXXX  tha t 1-I have a bankruptcy attorney that he needs to speak to as opposed to me and 2-payday loans are not even legal in my state. He demanded my attorney 's information. I began to g ive him the information and he spoke over me stating it is my attorney 's job to call him. I advised him that I have not received anything in writing about the alleged debt and that he is not to contact me again as he has been put on notice that I have an attorney. He spoke over me and refused to let me give him my attorney 's information despite his legal obligation as a debt collector to communicate with my attorney only as he has been fully retained.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: PNC Bank N.A.
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Posting of charges and overdrafts. I keep track of my charges and spending and verify it with the online banking thru PNC. 

I started with {$58.00} available ... XXXX takes {$19.00} leaving {$38.00} ... Spend {$11.00} at XXXX leaving {$27.00} ... .Spend {$21.00} at XXXX leaving {$6.00} then Spend {$5.00} at XXXX Leaving a balance of {$1.00}. I then had a charge from XXXX for {$10.00} which would have Caused a OVERDRAFT OF {$9.00} and I somehow get XXXX overdrafts?????? {$100.00} charge for {$9.00} over??? That 's XXXX and PNC is a bunch of THIEVES This is backed up by their own online banking!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed on  XX/XX/XXXX  that on  XX/XX/XXXX  I called in a decided to dispute all accounts that were on my credit report and have them disputed when that isnt true. I am a victim of identity theft and im treated as if im the wrong do-er! I call in and all of a sudden put in a department called ( CONSUMER AFFAIRS IN EQUIFAX ). I called several times after seeing that my credit report had changed significantly after my identity was stolen. I was hung up on by a Lady in that department her name was   XXXX   XXXX  , I was hung up again on  XX/XX/XXXX  by   XXXX   and lastly by  XXXX  in Fraud department! Ive never known so many people to hang up and treat a person thats a victim like this. The accounts that were put back on my credit report ill list below, but I have contacted them and they said that someone from Equifax personally reached out to them and remind you this was after this account was deleted and removed from my report! (   XXXX   XXXX   ) also contacted   XXXX   and  XXXX  they also stated they received a electronic response on the XX/XX/XXXX  I didnt authorize this and im very upset about this!
state farm bank {$35000.00}, harvest associates $   XXXX  - {$510.00},   XXXX   XXXX   {$260.00} - {$230.00} and 4  XXXX  accounts. Inquires that should only be on there are   XXXX   XXXX    and   XXXX   XXXX   XXXX  . Equifax consumer affairs pulled my credit without my consent and it caused my score to drop  XXXX  points. After being lied to by ms.  XXXX  and   XXXX   XXXX   that no one pulled it and my score culdnt go down if they did pull it.   XXXX   XXXX  , 2   XXXX   XXXX   accounts and   XXXX   XXXX   XXXX   should be the only accounts listed. But Equifax you have forcefully put old accounts that were verified as not mine on my credit report and I asked you to stop the disputes once i found out  XX/XX/XXXX and you refused and I told you i had rights and would contact the FTC and you stated   XXXX   XXXX   that i needed to do what i needed to do! so i am! So please remove these accounts because they are not mine is all im asking. Was no need to monitor and report my account because i call everyday to make sure that my credit is correct. I have rights as a consumer and i refuse to be treated like im not a victim when i am and all i wanted was truth and to be helped!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Jim Bottin Enterprises, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I mailed proper notice to XXXX XXXX of my intent to cancel a membership at XXXX  XXXX XXXX. I also emailed them of my intent. Despite these efforts, they have tried to deduct money from my bank account. Recently, Ive received a collection notice and a phone call about this disputed debt. This company has a terrible reputation regarding difficulties experienced by consumers trying to cancel gym memberships.

Company response to consumer: Closed with explanation