BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, ME XXXX, ( XXXX ) XXXX, sent an invoice that was paid on X/XX/17 to collections via The Thomas Agency, XXXX. XXXX XXXX, XXXX, ME XXXX ( XXXX ) XXXX, after payment was acknowledged as received by XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the XXXX plan well in advance of my recertification date around XX/XX/2023. XXXX XXXX stated my servicer ( edfinancial ) has processed the application and will reach out to me for next steps. I got nothing for two weeks and then they didnt email me but I had to look every single day until their website inbox requested tax information. I submitted and they requested an undefined amount of payment to exit my XXXX plan. So I paid {$50.00} and it didnt work. So I called over the course of a month trying to get to them with XXXX minute wait times and waiting for call backs and only got one call back. I was informed my application was declined in that call and hadnt been emailed once about it prior. My {$50.00} went straight to interest and did nothing for me ( Ive accrued over {$2000.00} since interest has started again ). The worker had me apply again over the phone and processed a {$5.00} payment to exit my XXXX plan and start my XXXX plan. She stated it should update and that it will be in there on the portal. Its been a week and Im not seeing the change to the XXXX plan. Im working full time, I cant keep waiting 3+ hours in the phone to be then automatically be forced to wait for a callback. I need edfinancial to fix my repayment plan ASAP!!

Company response to consumer: Untimely response
Consumer complaint received 2020-08-09
Company: WELLS FARGO & COMPANY
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Greetings, I am writing this communication to demonstrate that Equifax, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. 

XXXX XXXX XXXX  on my behalf has communicated with Equifax on XX/XX/XXXX and to this day Equifax has not responded. See XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the Clerkand this we will not do in the absence of more compelling evidence. '' ) DSK Law did mail as the attachment has shown a requested response from Equifax, however, Equifax refuses to respond, Therefore, Equifax is violating various provisions of the FCRA and continue to allow information to stay on my report that is : XXXX. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) XXXX. Continue to report information that is and has been outdated for more than XXXX XXXX XXXX XXXX years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that XXXX years ; XXXX XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more than XXXX ( XXXX ) years of reporting ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX last date reported was XX/XX/XXXX which is more than XXXX ( XXXX ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that XXXX ( XXXX ) years of reporting. 

In addition I am requesting a credit freeze on my account as I am a victim of identity theft. 

Please investigate my inquiry into why Equifax refuses to deal with the issue of my credit report just as they did in past legal cases involving Equifax which include XXXX XXXX XXXX Equifax Information Services, LLC and XXXX XXXX Equifax Information Services, LLC ). In both of those cases Equifax purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. 

Thank you for looking into this inquiry and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: MD
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:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2022-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My mother, XXXX XXXX, died in XX/XX/2022. I am the executor/personal representative for my mother 's estate. 

I found out that my mother had a savings account with USAA Federal Savings Bank via a statement I received in the mail. On XX/XX/2022, I contacted USAA Federal Savings Bank ( XXXX ) and was transferred to the Survivorship team. I requested that the account be closed and a check sent to me for the balance in the account of {$25.00}. I was told which documents to send to XXXX, which I sent via XXXX Mail on XX/XX/XXXX. 

On XX/XX/2022, I received another statement from XXXX, indicating a savings balance of {$25.00}. I called the XXXX team and was told that the documents I sent were received on XX/XX/XXXX, but were in the wrong department. I was told that the documents would be moved to the right department and would be processed. 

As of today, XX/XX/2022, I have received no indication that the documents have been processed or that the account has been closed. I have also received no check for the account balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TD BANK US HOLDING COMPANY
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Lost wallet : bank/credit/SSN cards removed

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 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Original ( vehicle ) loan was with XXXX in XXXX. In XX/XX/XXXX the loan was satisfied with the last statement in possession with XXXX. XXXX was contacted recently for a lien release, which was never received, who then directed the attention for the lien satisfaction to Capitol One. XXXX stated Capitol One adopted the loan account and would be responsible for the lien satisfaction statement. Capitol One title dept was contacted with all details, a fax request was sent per XXXX XXXX request. A telephone call was made today XX/XX/XXXX, by me, for a follow up of the fax request. Capitol One XXXX XXXX XXXX XXXX is now claiming they don't have access to the account information, therefore are unable to provide the lien satisfaction. The loan was for a motorcycle which has been recently sold, hence why I'm discovering this issue now. New buyer needs this for title purposes. DMV reflects the lien as still " Open ''. A lien satisfaction was never received by either XXXX or Capitol One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: United Debt Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I was making payments to United Debt Holdings for a debt with XXXX XXXX. I was making payment of XXXX and I paid them off for that bad debt. However, they kept charging my debt card monthly even after I had completed all required payment. I tried to call the number I was given for them and could never get in touch with anyone. I had to cancel my debit card to stop them. I tried for months to get the payment that was not supposed to be taken back to me, but could never talk to anyone. I just let it go, thinking there was nothing I could too, I was younger and did not know better. In the last year I have been cleaning up my credit report, and paying items slowly as they come. A few months ago, I got a call from my supervisor that someone was calling for me at work, talking to several people saying if I did not call them back I was going to jail and someone was going to be at my job in two hours, saying I missed a court date. My boss gave me the number and I called. They claim to be XXXX XXXX XXXX, they said I owed over XXXX to an old debt. At first they could not give me the exact name of the company I owed. That should had given me red flags, but at the time I was so upset. They eventually said it was with XXXX XXXX. Then I said I had paid them off years ago, and he said could I send him proof. I went home and tore up everything looking for something to show I paid them off. But I had nothing. I don't even have the same bank anymore. So when I called back I was forced to accept that I had to set up payments even though I knew I had paid it, but had nothing to send this company. Otherwise they would had sued me. They only wanted a debit card, could not using a checking account unlike the other companies I was dealing with, because as I said I was cleaning up my credit report and making payment to companies on my own. Well last week I was going through paper work, and found a book I wrote down my monthly payments. And there it was XXXX XXXX, {$98.00} a month, last payment was in XX/XX/XXXX, and I had a phone number by it. I knew I had paid it. So I canceled my debt card so that this company could not get another dime from me. I had already made XXXX payments of XXXX to them, a total of XXXX that I did not even owe. I looked online, and saw complaints after complaints, the same stories of what happened to me. You can not even find the company online ; the phone number is not online. I paid off XXXX XXXX  with United Debt Holdings, and they took more than they should and did not report to the credit bureau. 

Oringally paid off XX/XX/XXXX with United Debt Holdings Contacted by XXXX XXXX XXXX on XX/XX/XXXX Made two Payment of {$100.00} XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX about debt already paid

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 2023-05-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently signed up for Amex XXXX XXXX everyday credit card. As the advertisement on the Amex page displays, this card offers 0 APR for 15 months on purchases. Upon applying for this card, a few days after, I received the actual card in my mail. However, the promo code was not applied to my credit card, and instead, they charge the interest rates from the day of opening. This is a very misleading and potential scheme to benefit this company, which is unfair to the potential customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I got a loan from Carvana. I used my XXXX card in the Plaid. The Company told me that card was not valid to use for ACH. So, I transferred my {$1000.00} to XXXXXXXX XXXX. They told me that my bank was not allowing me to get money from bank account. I am getting these ugly XXXX email from Carvana stating that the money or the down payment has not been paid via ACH routing number or account number. I gave them my debit card information and the card does not seem to be working. I can transfer the money to Carvana via direct deposit. They said that they will send me the money. 

I need help here. 

I am not interested in fighting with these people. 

The contract does not say a down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I find out some charges that are not mine I did not had the card on my possession I opened a claim and on the same day they closed They said because I got benefit of the purchase I wasnt even at home I was XXXX miles away on those days I never received any service And the hotel charges are not mine I did not stay there. The hotel has canceled all the stays because they did not had a room ready after 8 hours of waiting I was told they will refund they did not so I called the credit card They took the statement and resolved as soon as we hung up saying Too bad I have called them several times with new info but they just ignored me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Comenity Bank is reporting inaccurate, unverifiable and otherwise irrelevant information regarding an account with Express, a store that is not local to me. I disputed with XXXX and XXXX, and those credit bureaus state that Comenity Bank verified the account presumably using XXXX. I would like to know who at Comenity Bank spoke with XXXX and XXXX and provided a preponderance of evidence that the aforementioned account was mine. Where is the application that bears my signature? Where is the contractual obligation that states I must pay the account? See the attached complaint form. Please remove this account in accordance with Reg Z and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: CITIBANK, N.A.
State: OH
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:
This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD 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 2020-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi I am looking to register a complaint against Chase Bank in regards to the unfavorable policies and procedures that are designed to take advantage of customers. 

As a background, I made airline flight booking using Chase travel website using their premium credit card ( Chase Sapphire Reserve with {$550.00} annual fee ). The airline cancelled the flight due to Covid-19 situation. As per airline 's policies I'm eligible for a full refund. However, as the booking was made through chase travel ( agent ), the refund has to be initiated through them. 

I have talked to chase travel team 7 times collectively for 7-8 hours and all they do is send an email to the airline to provide them a code to process the refund. This has been going on for 4 months and I have been repeatedly told to keep waiting until they get a response to the email address. To make matters worse, upon me insisting to investigate the matter, they found out that they don't have correct email address ( as confirmed by them in the email ). However, this still didn't resolve anything. I have 2 cases open with chase for 3 months. 

Chase travel 's policies and procedures are designed to disadvantage customers and the customer service representatives are not provided any training on how to resolve/escalate such issues to next level. Further, no monitoring is done on the customer disputes/complaints and the 2 above cases are still open for months. 

I request CFPB to take action against Chase Bank and have them resolve this issue. Additionally, as explained above it may require broader review and update to the chase travel policies and procedures to make it Fair for the customers. 

Flight details : Chase travel - Itinerary number : XXXX Travel Date : XXXX XXXX to XX/XX/2020 Refund requested : XXXX

Company response to consumer: Closed with non-monetary relief