BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Case no. XXXX Situation : I paid a {$500.00} security deposit on XX/XX/2020 using Capital One Credit Card ( ending in XXXX ) to get 1 ) A job that was supposed to start 2 ) by XX/XX/2020 and 3 ) 8 items in the contract ( 401K, insurance, etc. ) Later, I found out there was no job to start on XXXX XXXX. 
The agency did not return my deposit as promised and did not deliver as expected. 

I have reached out to the Merchant and Capital One on several occasions since the first month the charge was made.

Visa Policies ignored by Capital One : 1 ) Capital One 's Dispute team completely missed that the service was not as expected and items did not meet the XX/XX/2020 delivery date 2 ) Also, Capital One esp. missed the reason code 53 ( Not as Described ) as per Visa rules : a ) Service/Product did not match what was described in the documentation presented at the time of purchase. 
b ) Not the same as per Merchant 's description c ) Quality of service d ) Terms of the sale were misrepresented by the merchant Capital one accepted irrelevant proof from the agency and later gave a decision based on incomplete/misinterpreted information : A ) Capital One considered the " deposit '' as a fee although in the XXXX last line the fee is mentioned separately. 
B ) Capital One considered " Training '' as " Job '' while giving the result on the dispute. 

Also, it is a deposit to be returned in the 1st-month salary & the project should have been started on XX/XX/2020 with profit-sharing i.e. 10 % of my salary as the fee. 
Capital One has not yet asked the merchant to verify the above by asking the agency to provide the Job offer letter, insurance or 401k etc. or return my deposit as they never had any job/project and don't  have it till date. 

Thanks in anticipation. 

Regards XXXX XXXX ( card ending in XXXX ) Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 my wife wrote a check for {$1800.00} to XXXX XXXX XXXX XXXX. 
The check was presented and paid on XX/XX/2023. 
This morning I discovered the check was rejected and the funds were credited back to my account. 
It was a frustrating experience to try to find out why such action was taken. 
Several bank employees could only tell me that a fraud agent decided not to pay check after calling me. 
No such call was ever received by me or showing on my phone log. 
The solution the bank suggested is to go to a branch or make some additional phone calls. 
Obviously Citi Bank needs to review their procedures and training of their staff. 
It is not the consumer who needs to run around to correct an " error '' of the bank which only benefit the bank by holding the funds longer. 
It is an embarrassment to have a check bounce specially when it is not your fault.

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 2017-07-18
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was on an income driven repayment plan. I was supposed to update/ reapply for the plan. However, during that window I was very busy finishing my first year as an educator. I updated the payment plan as soon as I could, but not soon enough for the interest accrued during the income driven repayment plan to be added to the balance of my student loans.     Now I am unemployed again, and my total balance is thousands more than when I started. Please, there must be some sort of recourse here. I ca n't afford to give away thousands of dollars, especially when my education is n't finished. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Westlake Services, LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have inquiries on all credit bureaus from this company and I did not consent to the use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  XXXX Account # : XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the

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 2017-07-18
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Morning, I have never done business with this company, I have never received letters from them. I have files a report with BBB. I have never signed a contract nor have this company ever verified this debt is mines.       Date :    XXXX   XXXX  ,2015  total {$500.00} Date :    XXXX   XXXX   , 2015  total  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 2018-11-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dates : XX/XX/18 and XX/XX/18. Company : Experian. Problem : Completely inadequate phone/web services for lifting a freeze on a credit report.

Trying to execute a temporary lift on the freeze I have on my credit report. Calling customer service provides NO option to talk with a live person, refers you to their website, and abruptly hangs up. Automated phone options only offer two options : to order a credit report or inquire about fraud - neither of which satisfies my needs - ( XXXX ) XXXX. I called the business division since nothing else was working and received a very rude explanation about how Experian is silo'ed and the business division can do nothing to help me. That rep hung up on me - ( XXXX ) XXXX. Going through the Experian website, for the last two days I have selected the option to 'lift or remove ' a freeze on my credit report. The link is dead and takes you to a page that simply says 'loading ' but never loads. Option should be functioning for all browsers. https : //www.experian.comXXXX I went through the website to get a 'one-time PIN ' for my creditor to use to access the credit report. My creditor tried to use that PIN said it was kicked back and did not work. Horrible, frustrating service that renders the consumer unable to lift freeze on credit report. Please see XXXX reviews regarding Experian. More than two dozen reviews, only one review has anything but 1 star for all the same reasons noted above. The horrendous level of customer service reaches beyond inconvenience and is potentially damaging to consumers.

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 2023-10-02
Company: Chime Financial Inc
State: FL
Product: Credit 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:
On XXXX XXXX my account continued to get reoccurring billing from XXXX in different amounts not previously agreed upon by myself, I can not access the XXXX account it is associated with and can not stop the reoccurring billing at all, chime bank in all their infinite wisdom after multiple calls to them finally blocked the merchant. Every time I explain to them that XXXX needs me to log into stop the transactions ( which I can not it is permanently blocked ) they pretty much are telling me its not their problem after multiple attempts to resolve this issue I get told they suddenly changed their policy on how disputes are handled and hung up on Im on the XXXX rebuddle for this dispute and evidence Ive sent to them is not being reviewed properly but sent to other departments I know this now because Ive sent evidence 4 times to them and they only used 1 photo of the multiple showing no access to the account exists if have to start another account with XXXX. Chime bank has been very rude and suspicious when it comes to their sudden policy changes and once things are settled myself and family will be closing accounts we have with them and moving back to traditional banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CITIBANK, N.A.
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:
Made an XXXX purchase with the card. The item was counterfeit and I returned it to the seller. Seller did not issue a refund so I disputed the charge with Citi Visa. Their response was that the merchant had no record of my return although I have the USPS receipt for the return but they never asked for proof. The seller wants to issue a refund but XXXX won't allow it and Citi Visa won't reconsider their decision.

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 2017-07-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The college I attended closed and was charged with fraud, my degree was not real and no jobs provided, I was lied to and received high interest loans that that now total  XXXX  I was told the closing of the school would result in discharge of federal debt, but this was not the case. I tried to get forbearances, or deferments but the interest is culminating at a high rate that I can not afford. the only this I was offered was a income based loan payment, and even this is incorrect I was told I could pay  XXXX  a month but my fi rst two b ills were  XXXX , and I was told if I did not pay them I could have my wages/bank levied or tax returns seized. This school was a waste of time, I received nothing from it but the debt. Attended school  in 1996 and  still paying and still owe  XXXX ? this is ridiculous, Please help. The service is poor and n o one wil l help. The are in a class action suit for same reasons, how can I be included?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For Year Bank of America has been collecting via ACH payment for a deb that is not mine. It sees someone stole my account and RTN number and i did not realized until a few month ago that every moth i was being debited around {$70.00} the description of the transaction in my checking account is as follow : ONLINE PMT BK OF AMER VIXXXX XXXXPOS INTERNET PAYMENT I have not being able to get help from Bank of America since i nothing to go by other than the debits i see on my account. I am just being debit via ACH by bank of America and i have no idea why since the amount is small and my husband is the one that reconcile the account, he never questioned, until 3 moth ago I noticed there is no reason why BOA to debit my account. I went to my bank TRusit and i requested a stop payment and they did, but this month BOA submitted a payment for the 3 last payment that were rejected by my bank debiting my account {$170.00}. My bank could not return the debit since we had a stop payment for a rage amount of XXXX to XXXX due to always being that amount. I now will have to close my account to stop BOA to continue still my money I demand a resolution since I have never authorized BOA to debit my checking account, I am 100 % sure they do not have a debit authorization signed by me or a consent to debit my checking account at XXXXXXXX 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 2017-07-18
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I requested a Lease Buy out from my lease holder Ally Bank on    XXXX   XXXX   , the amount quoted was {$27000.00}. The amount was good until my next payment due date on  XXXX   XXXX .     However during my consult the next day at the dealer, they contacted Ally bank to obtain a buyout amount and received a quote of over {$30000.00}.       Clearly this significantly changed pricing for me to have that amount added to my next loan/lease.     To the least sophisticated buyer this could cause great financial hardship. Especially, if they did not attempt for themselves to obtain a customer buyout. That would have no idea why the buy-off [ minus  ]  dealers bid on your current vehicle would be high.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX, 2 of the 3 companies responded on XX/XX/XXXX they include XXXX Credit Bureau and Transunion Credit Bureau. XXXX did not yet respond which also is an issue. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not consent. That is also a violation of 18 USC1028A aggravated identify theft and the privacy act of XXXX seeing as they shared my SSN. According to 15 USC 1681C-2 the consumer reporting agency has 4 business days to block information resulting from alleged identity theft. It has been 4 days since they opened their investigation and no action has been taken.

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 2023-03-13
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is in response to my original complaint. I am including as of today current credit report status of 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: SANTANDER HOLDINGS USA, INC.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX  passed away and had his first mortgage through Santander Bank. I was appointed administratrix of the estate and sold my dads house on XX/XX/23. My lawyer reached out to Santander twice prior to obtain a payoff providing them with the death certificate and my administratrix paperwork which was all approved by the court. Santander on the first payoff request provided a payoff but then when my lawyer attempted to get an additional payoff that was within 10 days of closing, they refused. My lawyer sent the payoff with plenty extra to ensure the lien release was complete and the loan paid off. I got a letter in the mail addressed to me stating they needed a copy of the deed and a copy of my license. I provided this via email and received a confirmation that it was received and that it would be reviewed within 3 business days, that was on XX/XX/23. I reached out again via email today XX/XX/23 to ask for a status as it had been well over the timeframe provided and was told at first the email is only for receiving documents and then told they found the document and that I now needed to send a letter advising that I was the administratrix of the estate and heir to the loan. They are making me jump through hoops and n providing wrong information at all steps of dealing with this. I have asked them to confirm that the loan was paid off and that the lien was released as I have the legal responsibility to handle the estate and they are refusing to provide me this information. I advised them I was going to file a complaint with the cfpb and received a response stating these are requirements of the cfpb when my dad also had a second mortgage with citizens bank and they did not give me any trouble with payoff quotes or releasing the lien of the home and sending the overpayment back. I am asking for help as Santander bank is refusing to help 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXXXX/XX/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 2017-07-18
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$7000.00} to my coinbase account on XXXX/XXXX/XXXX. The money was supposed to arrive the same day. I contacted customer support several times and received no response. It has now been a week, my money has never shown up, and I have still not received a response from their customer support.

Company response to consumer: Closed with explanation