BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Netspend Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I woke up from working my overnight shift to find a charge in the amount of {$1100.00} had been charged to my netspend ( Ace Flare ) prepaid card. I immediately contacted customer service because I had an unauthorized charge to an XXXX # XXXX in XXXX XXXX, Texas. I filed the dispute as they requested. As I was talking to the representative I received an email stating my card was recently added to XXXXXXXX XXXX ( I own an IPhone ) I was also informed someone tried to access my account from a different number the same day but was unable to verify the information on the account. I explained to the representative I was in Oklahoma. Theres no way I could have made it to Texas and made this purchase for I had just got off from working my overnight  shift and had went to a local florist and purchased flowers for my coworker using my other bank card. I took all the necessary steps such as changing the address, getting new login information for my mobile account and requesting a new card. I had to use my home loan down payment money to pay my rent and other bills until they posted the provisional credit. Just to find out today they are trying to say Im responsible for the charges on my account and after their investigation they found no error in the charge are going to reverse the credit. Wanting me to have the funds available within 5 days. Every representative I have spoke to has tried to push off the resolution time by asking me to wait for 10 days for all these bogus documents validating the charge. I escalated my call to a supervisor named XXXX Manager. She continued to tell me I have to wait for documentation. I continued to ask for another supervisor or someone of power to discuss this issue. She transferred me to an XXXX XXXX who continued to say the same thing. They are trying make me pay for the funds that I did not use. It was fraud and theyve treated me like a criminal and I have not done anything. Im curious on how they concluded I made the purchase without asking me for any other additional or supporting information or even talking to me during the dispute process.

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 2018-08-27
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
In the past my loan payments were being made through XXXX student loan services. About two years ago I received notice that XXXX was being taken over by XXXX education services. My loan payment is made quarterly and I've been making faithful and on time payments for about a year online at XXXX 's website. That last time I was able to make a payment was in XX/XX/2018 and I have the receipt of payment for that. In XXXX I noticed that I had not received notice for payment for my XXXX loan in sometime and went to the website so see about the loan. I received a message saying that the service that I requested could not be accessed at that time. I assumed it was an issue with the website. 
Here we are now, in XXXX, and I am receiving the same message. I called the company ( XXXX ) and received absolutely no help. Initially I called and was transferred to a 100 % automated " department, '' that did not reconize my SSN for logging in. I called back and was transferred to the " loans department '' where someone proceeded to tell me that I do not nor have I ever had an account with XX/XX/XXXX services. I have multiple student loans and I do not know which ones fell under XXXX services. She suggested that maybe it was a Perkins Loan and transferred me to that department. This was again a 100 % automated department that did not recognize my SSN or birthdate for logging in.

I called back and was told there was no manager to speak with and the " customer service departments '' that I have been previously transferred to was all that they had to offer. 
In short my loans are in limbo and no information can be offered by the company previously in charge of them as to where to make a payment. It frustrating because I don't want to default on a loan simply because a company has less than professional business practices. If it has to come to it I will definitely get a lawyer and take this problem up legally, because it is unfair to expect me to have to pay any outstanding charges being accrued at this time. I've looked online and have seen many comments and reviews similar to mine, referencing their experience with XXXX. It is my hope that something gets done about this and puts these crooks out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Direct Deposit made on XX/XX/2023 to closed account ending in XXXX that was closed over a year ago. I called numerous times about the issue and I keep intentionally getting transferred to another department that either just rings or they pick up, ask me a few questions, put me on hold and then the phone is hung up on their end. There was a mix up with payroll that didnt process to my newer usual account. I was initially told by my company I work for that is would reissue the payroll direct deposit when Chase returns the payment, typically within 10 days. Old account ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As I was furloughed in XX/XX/2020, I applied to Wells Fargo Mortgage for a forbearance. I applied for a three month forbearance. As I did not receive a reply before my XX/XX/2020 mortgage payment was due, I paid my XX/XX/2020 mortgage payment in full. I did not pay XXXX or XXXX. In XX/XX/2020 I received a letter stating I needed to take a decision on my mortgage forbearance. I spent over an hour on the telephone with Wells Fargo Mortgage on XX/XX/2020 and concluded with them that I would pay one of the two months that I had not paid and the other would be moved to the end of the loan. I paid the full monthly mortgage payment while on the telephone with Wells Fargo Mortgage and they informed me that when it posted the following day, only one monthly payment would be moved to the end of the mortgage. I received a letter dated XX/XX/202 stating that 2 past due payments were deferred. 
This is erroneous as I made my XX/XX/2020 mortgage payment in full on time and my XX/XX/2020 XXXX payment in full on time. 
I wasted 47 minutes on the telephone with Wells fargo Mortgage on XX/XX/2020 trying to get this matter corrected as my mortgage statement is indicating the incorrect outstanding balance. I was told that they would have to investigate and review the tape of the XX/XX/XXXX telephone call, despite the fact that they could see in my mortgage account that only one payment was outstanding. WHen I requested that I be allowed to tape record my conversation, they told me this was not allowed, despite the fact that they advised me that they were recording the conversation. 
I request respectfully that you look into this as my Mortgage Balance is recorded incorrectly.

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 2020-08-18
Company: OneMain Finance Corporation
State: MI
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 2020-08-17
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AZ
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:
in accordance with the Fair Credit Reporting act XXXX, DES Child Support Enforc. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-08-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Try number 2 ( initial complaint not resolved by Equifax ) Equifax will not let us manage our credit freeze either via website they provided ( received the following error message : https : //my.equifax.com/membercenter/ # /login/error/mc-general-no-specified-error ) or via phone. They have provided no assistance in justifying refusing to allow us to monitor our credit freeze via web or phone - or in attempting to resolve the issue. As it stands, we can not effectively manage our credit with Equifax. To make matters worse, they removed a credit freeze we put in place WITHOUT our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions 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:
XX/XX/2019 Amount : {$2300.00} Action : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS DEBT ON FILE.

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 2023-10-02
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My federal loans were transferred to Nelnet during the pandemic. I applied for the SAVE program because this was supposed to help lower my payments. My monthly payment more than doubled! Prior to the pandemic, my payments were just under {$200.00}. My new payment through SAVE is {$450.00}, and I simply can not afford that each month. 

Now I have only a few weeks to figure out how to make my payment because I just learned last week what my new amount was. The issue here is their customer service. I work full time M-F and do not have time to sit on hold with Nelnet. I've made three attempts to contact them via phone, and I'm on the phone trying again. Each time I've been on hold for over two hours. I do not have the time to sit on the phone for more than two hours while I'm at work. But I desperately need to actually speak to a person to figure out my options. 

The fact that they provided my new amount with such short time and no way to get a hold of anyone needs to be addresses. Thousands or even millions of borrowers are trying to do the same thing, and we're all screwed. 

Please help! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The American Express e-gift card is unusable. I have tried the card several times at both online and in-person retailers, and the card has been declined each time. I have called customer service six times, and each time, I am told the card is fine and it is simply the retailer 's security practices. Simply put, the gift card can not be used at local restaurants or retailers such as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and more. The amounts hav varied from {$85.00} to {$1200.00} USD. 

Customer service has tried to remove security holds and confirmed my available balance was sufficient to cover each of the above transactions. I asked customer service to try to reissue the gift card, but was told that since it is a e-gift card, they are unable to issue a new card. I then requested a refund and was provided a case number ( Case # XXXX Refund request ) and received an email from the support department stating they are unable to resolve my issue and must call customer service yet again. Round and round we go, with no resolution in sight. 

The gift card is worthless and a full refund of {$1500.00} is the only resolution at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My issue is very simple, A bitcoin deposit was made to the Coinbase XXXX XXXX on XX/XX/2017 - XXXXXXXX XXXX  EST. The bitcoin was received and can easily be confirmed on the bitcoin XXXX XXXX XXXX XXXX XXXX The platform has had the transaction in a " pending '' state for years now ( see screenshot ) and will not credit me the funds or respond to any emails or tweets. My last phone call to the company earlier this year the customer service rep said he will create a new ticket, yet I have not heard back. I have been a customer for years and have used the platform successfully many times since this transaction so it seems to just be a bug that they will not address. The issue is I have lost {$1000.00} 's of dollars due to the price trending downard this past year as the funds have been held hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.

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 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had been a perfect customer with CapitalOne. I moved, and in all the activity my original card was misplaced. It was not a problem, as I canceled the card number and requested a new one to be sent to my new address. 

CapitalOne sent the new card to my new address, but the U.S. Postal Service needed a week for my change of address to kick in. I found out that USPS returned the card to CapitalOne. 

CapitalOne is making an enormous big deal of the situation and demanded that I email them evidence of my existence!!! 

They demand that I email them the front and back of my driver license. I did this, but they claim that the back of my license image is a bit fuzzy. I do not have access to a scanner, so I had to rely on a camera photo that I took of it. 

Fortunately, I had a scanned copy of the front of my license, which I sent. 

They are denying sending my new card because they say that the back copy of my license is not clear enough. 

The back copy of the license has extremely tiny lettering, which even my XXXX camera can not duplicate clearly. 

I offered to send my passport, birth certificate, ss card, and any other possible form of identification. 

There is no logical reason why they will only accept the back of a driver license, which is impossible to reproduce because the lettering is so tiny. 

Ironically, THEY SENT ME THE REPLACEMENT CARD ALREADY WITH NO DOCUMENTATION OF EXISTENCE, but the USPS screwed up and sent back the envelope because my change of address did not initiate for a week. 

Also, like I mentioned, I have been a model client, reimbursing any credit card purchases within a matter of 3 days each time. 

Now, all of a sudden for no reason, I am treated like a criminal because their letter was returned. 

The back of a driver license is a ridiculous choice for identity. It is impossible to reproduce clearly. 

I would ask that CapitalOne be fair and accept a different and better form of identification that I can transmit to them via email. 

Their inflexibility is extremely disrespectful to a model client. 

Also ironic, is that CapitalOne initiated my involvement with them. They contacted ME about starting a new card, I never contacted them about it.

ALSO, THEY RAISED MY CREDIT LIMIT BY TWO TIMES THE ORIGINAL LIMIT because I was such model customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a primary mortgage with XXXX XXXX and we received notice it was transferring mid XXXX from XXXX XXXX to Specialized Loan Servicing LLC. We did not receive a payment coupon from Specialized Loan Servicing LLC. We called the company requesting a new loan number, # XXXX and sent a payment postmarked on XX/XX/2021. To date, we have still not received a payment coupon or any paperwork from Specialized Loan Servicing LLC. 

We had sent a copy of our XXXX XXXX XXXX  previously along with payment to Specialized Loan Servicing. 

Since this is our mortgage, this makes us understandably nervous. We would like payment coupons and timely acknowledgement of payments. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My paycheck was deposited on the XXXX of XXXX, CHIME BANK bost about not holding or leaving deposits in a pending state however nobody can explain where my deposit is as i informed CHIME BANK that due to what they claim " not holding deposits and so forth '' puts them directly in the cross hairs of FALSE ADVERTISEMENTS and possibly NEGLIGENCE AND MISAPPROPRIATION OF FUNDS AS WELL. And i was never helped rather told ro just wait which ia where the problem is, you cant tell me you don't hold deposits then tell me i have to wait on my deposit if its already been issued that's a bold face lie, so the issue is that CHIME BANK makes the information murky so they can swindle money or make adjustments as opposed to simply honoring their word

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I found that my credit report contains strangers ' names, addreses and bad accounts. My credit score drops XXXX points because of it, and I get rejected by new applications to credit cards and I am unable to get mortgage loan. It creates severe economic damage to 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