BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Maximus Education, LLC dba Aidvantage
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Hello, I am hoping you might be able to help me out. Back in XXXX of 2023 I got word from my coworker that he received a check of the amount he paid towards his loan for XXXX XXXX XXXX - XXXX, OR. He told me to look into it to see if I would be getting paid as well, because we both went to the same school at the same time. So I started researching and found the article that was from last XXXX stating that students that went to XXXX would be having their loans XXXX. So I contacted Aidvantage and they told me to contact the borrowers defense hotline. So I did that and they told me to contact the loan servicer. So I'm just getting tossed back and forth with information that is not helpful. 

{$21000.00} was how much I paid towards the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a new credit card account with US Bank and set up autopay for it so I wouldnt miss payments in case I forgot. Id gotten confirmation that it had been set up, then I checked my statement and a {$30.00} late fee had been applied because autopay would not go into effect until the next month and the payment was never sent. I was never informed of this when I initially set up autopay.

Now that autopay is active, I have the option of paying minimum payment or statement balance. The statement balance sounds like it should be the full balance on the account, but it isnt. Its exactly the same as the minimum payment. There is no actual option to automatically pay the full balance, it has to be done manually every time. People who dont catch this could easily be tricked into paying just the minimum payment and being charged interest.

I called customer service on XX/XX/XXXX to try to fix this issue. They transferred me to cardmember services. Once I told cardmember service about my issue they stopped responding at all and kept ignoring me even when I tried to ask questions. I tried again with their websites chat option. I was transferred to cardmember services again. When I told them my issue they closed the chat and I couldnt access it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-15
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
US Bank offered a cards that would give a cash back of {$200.00} after spending {$1000.00} in 90 days. I spent {$1300.00} then stopped using the card while waiting to see the {$200.00} credit applied. Four months later I did not see the credit and called the bank. I was told the credit wouldn't be applied until the " offer '' ended, which was 1 to 2 months later ( reportedly ). After not seeing the credit, I called the bank two months later and was told there was no such offer, that I was to have spent {$2000.00} in the time period not {$1000.00}, so I wasn't entitled to any credit. I subsequently cancelled the card.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$21.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Well Fargo closed my old account yeasrs ago around XXXX. And never have me the funds I had over XXXX $ in the account and little by little it XXXX  beyond my knowledge and then they closed the account. I never used it. Then i opened another XXXX online and same exact thing happened for not being used.

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 2021-06-27
Company: EQUIFAX, INC.
State: TX
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:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. My information was impacted by the equifax data breach and by another data breach were thieves stole my identity to file for unemployment benefits as well.I have yet to receive a response yet and i feel like I am being ignored of my disputes. section 611 ( a ) plainly states that a failure to investigate these items gives a reason to immediately remove from my credit profile. Also with identity theft issues law 605B ( a ) ( 6 ) ( 15 usc & 1681 c-2 ) which states that these accounts must be removed in 4 business days of receipt.I demand these items be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Respected Sir, Date : XX/XX/XXXX I am XXXX, working as a XXXX XXXX and currently living in XXXX, XXXX XXXX. I have lived in USA from XXXX XXXX XX/XX/XXXX on a working VISA in XXXX, Ohio. I have opened a Chase Bank account during that period and used to transfer Money to XXXX from XXXX using XXXX XXXX as a third-party service. XXXX XXXX will get money from my XXXX account and transfer it to my XXXX Account. I had done this couple of times and never had any issue till I was in USA. 
After XX/XX/XXXX, I had to go back to XXXX and live there since then. On XX/XX/XXXX, I had transferred XXXX dollars to my XXXX account from XXXX with the help of XXXX XXXX XXXX. But on the same day XXXX XXXX declined the transaction saying that they did nt receive money from XXXX ( XXXX XXXX : XXXX : XXXX ). As a result, I had no deposit into my XXXX Account. But XXXX has deducted XXXX dollars from my money claiming that it had transferred money to XXXX XXXX. 
I had called several times to XXXX asking for my money to refund and had opened a Claim regarding this issue on XX/XX/XXXX. ( Claim Number : XXXX ). Entire communication was in emails or over the phone calls as I had no option to talk to the XXXX Branch as I was living in XXXX. 
There was no action taken for that claim and my on-line account was also blocked later. I could nt even open my on-line account and do any transaction. I had an impression that I could come back to USA on work VISA and could resolve this issue by talking to Chase directly. But unfortunately, I could not go to USA since then and the issue was not resolved. 
Lately with the help of a friend living in USA, I could unlock my online account able to do online transactions. I have contacted XXXX again on XX/XX/XXXX, by an email/Phone calls regarding the Claim opened in XXXX, but have not received any response. I finally tried to enquire about the Claim by talking to a XXXX manager with the help of my friend living in XXXX. The Manager was not able to view any information about the claim and has escalated this issue to Claims department. After 2 days, Claims customer service could reach me over the phone. I have explained what has happened so far and gave the Claim number for reference asking them to refund my money. They were not able to trace my Claim as it was 3 yrs old from now and it was closed with no action. When my friend reached the Bank Manager again on this issue, we were told that XXXX can not do anything in this regard and I am supposed lose my XXXX dollars. 
Just because XXXX can not trace a Claim that is older than 2 years, am I supposed to lose my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am in Bankruptcy. My bankruptcy is going through XXXX XXXX XXXX XXXX WV. Before bankruptcy I had used a debt consolidation company ( XXXX XXXX XXXX XXXX in Michigan ) to take care of my credit card debts. XXXX XXXX has been fighting me from the beginning of the debt consolidation. I went to use my checking account this morning ( XX/XX/23 ) and found out that my account had been put on a freeze ( hold ) for {$18000.00}. This therefore put me in overdrafts and can not access the money that originally was in the account. I have called and visited the bank, called the lawyer on the paperwork that was served to me this morning ( XX/XX/23 amount on paperwork is {$17000.00} ). The lawyer 's name is XXXX XXXX with XXXX XXXX XXXX XXXX. I contacted both lawyers ( theirs and mine ) and it seems no one can remove the hold on my account till lawyers meet. This will not happen for several days due to the holidays ( XXXX ). My major complaint is that they accessed my account and put it in overdraft and charged money that I do not owe. This company has not communicated with me in any way whatsoever to try to see if this debt could be resolved before locking my account! I also do not have access to money to feed my children or pay my bills to keep a roof over their heads. Can you please help us.

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 2023-05-05
Company: DISCOVER BANK
State: AZ
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: Problem with personal statement of dispute

Complaint:
Discover financial services have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching discover via XXXX  complains and also to correct wrong chex system report discover is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse discover has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give one last chance to discover to sort this out. Lets see

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called and ask when my card would cycle for the month and the guy said on the XXXX. I told him I was trying to avoid putting to much on that months purchases so I could avoid finance charges. I also told him I want the payment date moved until the XXXX of the month and he tells me he can only can make it the XXXX of the month. He said don't worry it will not effect this months cycle and the card will still cycle on the XXXX. Pending charges have now been applied as they changed the cycle date after they said that it would not effect the cycle date. I call to complain about it and spoke to a so called manager and he said I can ask to put it back to the way it was but that will take 30 days. It only took someone 30 seconds to lie and XXXX up this account making my next months bill out of reach to avoid interest. I know complaining here is actually a waste of time as the CFPB does nothing but make up a data based on consumers complaints, So when does the government step up and do something? I guess this will also be filed with the Indiana Attorney General after the reply from Synchrony Bank which will continue to abuse their customers and do nothing to correct their inability to do what they say!

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 2023-09-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and equiofax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifa are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$6400.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: January Technologies, Inc
State: CA
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:
Debtsy, Inc is a collection agency operating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and is a " debt collector '' as that term is defined. by 15 USC 1692a ( 6 ). Debtsy intentionally and or negligently caused emotional harm to me by engaging in highly offensive conduct in the course of collecting this alleged debt, thereby invading and intruding upon my right to privacy. I have a reasonable expectation privacy in solitude, seclusion, private concerns or affairs. The conduct of Debtsy Inc., engaging in the above-described illegal collection conduct against me, resulted in an intrusion and invasion of privacy by me which occurred in that position. As a result of such intrusion and invasion of privacy, abusive practices, Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

Regarding Account XXXX I hereby notify Debtsy that I XXXX XXXX ( consumer ) refuse to pay this allege debt and wish that you CEASE further communication with me ( consumer ). Cease and desist from all form of communication including all mediums, calls, private information, fowarding my private information to any third party and cease from maintaining any and all of my personal private information on record with you. This request is pursuant to 15 USC 1692c ( c ).

Pursuant to 15 USC 1692g this debt is disputed and I request the name and address of the original creditor. 

Pay the invoice included with the complaint and exhibits have been provided. You hereby have 10 days to comply with mailing a check to XXXX XXXX XXXX XXXX, CA XXXX. If you fail to comply with the laws set forth by Congress under the Federal Debt Collection Practice Act I will pursue this Matter in Federal Court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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 credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation