BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: CHARLES SCHWAB CORPORATION, THE
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My bank account was accessed and all of my money was wired out over night ( XXXX ) without any notification. I noticed the next morning my bank account showed a amount of XXXX, I called my personal bank they closed my account and said they will start a fraud investigation and this is when it started to get messy. They said they would restrict my bank account to allow my work pay to go in but nothing could come out instead they went on and closed the account so I had to end waiting a extra week for my pay and my wifes pay then I was sent the wrong debit card 3 times for my old account that had been closed instead of sending me debit cards for my new account. After not hearing anything for more then a month about all my money that was stolen I called today XX/XX/XXXX and they told the case had been closed for weeks and theres nothing they can do but told me I could call the place where the money went and try myself ( its not even a real place ) this is very disappointing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: GA
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:
it states on my credit report that I'm 90 days late but prior to that it states my payment history is on time. 
If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a student loan with XXXX and it should have been forgiven due to a lawsuit against the school and I am still being charged. I need that amount forgiven ans my credit report to reflect such. They keep adding ontersr ro the loan and it should be paid off. I had been paying on this loan for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY IDENTITY WAS STOLEN THREW TAX THIEF & XXXX DATA BREACH SINCE I CHECKED MY CREDIT REPORT AND FOUND THESE UNAUTHRIZED ACCOUNTS & INQUIRIES

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 2019-06-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
AMEX REFUSE TO REMOVE {$2500.00} UNAUTHORIZERED FRAUD CHARGES MADE BY XXXX XXXX XXXX ON ABOUT XX/XX/2019 AND SENT PAYMENT NOTICE DUE XX/XX/2019 FOR {$6600.00} IN WHICH IS UNREALISTIC FOR ME TO PAY BEING ON FIX INCOME ( SSI/VA XXXX VET ) AND THIS HAS CAUSED UNEXPECTED FINANCIAL HARDSHIP IN WHICH I CAN NOT PAY AND MAINTAIN STANDARD OF LIVING AS A SINGLE PARENT FATHER OF XXXX DAUGHTER AND I DISPUTE THE VALIDATION OF DEBT OWED PER 1692g FDCPA DUE TO CONFLICTING BALANCE / BILLING STATEMENT AND INFORMATION TOLD BY AMEX REP STATE A DIFFERENT AMOUNT AND STATUS OF ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: EQUIFAX, INC.
State: GA
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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I am writing to dispute an unauthorized draft attempt in the amount of {$130.00} from my XXXX XXXX checking account ending in XXXX, on XX/XX/2023, XX/XX/2023, and XX/XX/2023. 
The charges are in error because I did not give permission for auto draft payments to draft from my account ending in XXXX, rather I gave permission for the bi-weekly drafts to be drafted from my XXXX XXXX checking account ending in XXXX ONLY. 
Due to One Main Financial agents negligence, I have suffered embarrassment and financial hardship, because I was charged overdraft fees from my rental office for rent payments I scheduled with them. I also received overdraft fees from XXXX XXXX XXXX XXXX. 
The overdraft and return check fees charged in total = {$110.00} I am requesting that the error be corrected, that the {$110.00} in return check fees and overdraft fees be paid directly to me by check from OneMain Financial immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
- Merchant 's name XXXX XXXX - Amount XXXX - Date of the transaction XX/XX/2023 XXXX PM Transaction posted but reward for payment never arrived. Contacted customer support who told me " For rewards related inquiries, Customers can reach out by phone ( call the number XXXX select option 5 followed by option 1 for questions/concerns regarding account information, trading, rewards, deposits and withdrawals ) live messenger, or fill out the support form located at : https : //help.coinbase.com/en/contact-us '' Opt 5 and opt 1 does not exist on XXXX. 

Called company anyways, waited one hour, found out need " account specialist department '' but they aren't reachable through phone or any other method. 

Forced to use CFPB to get response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-21
Company: Integrated Asset Recovery LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
# 1 - They call at all times of the day from all different phone numbers.

# 2 - It is on my credit report for the same credit card, yet for 2 different balances. One is for {$960.00} and the other is for {$880.00}. I have disputed it but I still have not heard back from them. I only had one XXXX XXXX XXXX I'd like to make a payment arrangement with them, but the collection agency reps do not understand that I live on just a small XXXX check. I can only do what I can do. They are XXXX and I would rather not speak to them at all.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hello, I had taken out a HELOC with XXXX XXXX XXXX back in XXXX. Having XXXX kids I needed money for schol tuition, cars, clothes, medical and dental costs ( braces ) etc. So I had been making monthly payments every month without issue ( XXXX or so ) until in XXXX my monthly payment skyrocketed to quadruple that amount, XXXX a month. I called XXXX and was informed that the loan amoritized ( sp ) after 10 years unbeknownst to me. Living from paycheck to paycheck this was essentially a second house payment. I informed XXXX that I had no idea that this would happen when I took out the loan, indeed I would have never took out the loan had I known that. They claimed it was in the fine print. i tried to modify the loan two times, sending documentation of expenses, income etc and they claimed I did make enough money to modify. I lost my job with the federal government in XXXX and claimed Chapter XXXX bankruptcy and the XXXX HELOC was discharged as part of the bankruptcy as well but they said they could still take our house if we defaulted on the HELOC. XXXX XXXX XXXX has since sold my loan to Select Portfolio Services. Please advise if we may obtain any relief as we can not sustain this burden. Thanks in advance for your help in this matter, 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 2023-11-21
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Interest Accuring while SAVE plan application is processing. I originally applied for SAVE income driven repayment program when it was first released to the public in early XXXX. It is still processing and my loans have been placed in Administrative Forbearance. My loan servicer is Nelnet and I have called multiple times to express my concerns. Since repayment is started, my loans have accured over {$500.00} in interest fees. I was told that the interest would not be waived. My question is why should the borrower be penalized with increasing interest charges because of these extended processing times. Is there a way to have the interest forgiven since the this delay is due to the poor planning of the loan servicers and the US XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CBC Companies, Inc.
State: TN
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 received my XXXX credit report and attempting to dispute information that was not correct but the company did not respond. XXXX wrote that they use date received from Innovis so I will be adding them to this complaint. I am attaching the disputed information to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Broward Adjustment Services
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:
BAS Management contacted me by mail on XX/XX/23 attempting to collect a debt identified as account XXXX. 

I don't not have any responsibilities for this debt. 

if you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was hacked and robbed I opened my account in XXXXXXXX XXXX with XXXX and fraudulent heinous things started happening XXXX XXXX XXXX is my name XXXX  is my ( d.o.b ) also I never received my statement when I even put in a change of address from XXXXXXXX California to XXXX Washington and finally I called and made an appointment and they told me they closed my account and I was at fault u even reported fraud but they still never gave me my money please helpe I'm homeless I'm on danger I need to be ok and I'd appreciate you would see me through Thank you and God bless

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 2021-01-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep getting harassed by someone claiming to be a process server on behalf of XXXX XXXX from XXXX XXXX XXXX @ ( XXXX ) XXXX x XXXX. 

They are claiming that I owe a debt and is threatening to take me to court or arrest me. They left me messages detailing my Name, Date Of Birth and address. 

This has to stop.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-06-14
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current mortgage lender XXXX XXXX XXXX ; I applied for a refinance with them on two different occasions over the past six months and they have denied both of my attempts. I am currently in a ARM with them and they have refused to grant me a refinance even though I have the same employer for the last 20 years, have a steady income of approximately XXXX $ a year and am current on my mortgage payments. I've provided all documents they asked for and my credit score is average @ XXXX. I believe that they are working against me to have me go into foreclosure and take my home which is worth XXXX $ according to XXXX XXXX I currently owe New XXXX XXXX XXXX $ They stand to make a profit on my home if I go into foreclosure being in an ARM. The current market value on homes in Connecticut is soring! I am definitely going to lose my home if they don't grant me a refinance soon. Please help me to investigate this matter. Thank you for your help. XXXX XXXX current owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
MY FCRA RIGHTS HAVE BEEN VIOLATED. 
These creditors below and the credit reporting agencies are in violations of not accurately reporting a dispute status or an actual update of dispute to my reports for the 2 times I disputed on XX/XX/2022 and XX/XX/XXXX XXXX the proof of disputed certified receipts are also attached. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & Trans Union XXXX XXXX free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph file ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

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 2021-01-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is refusing to allow people to independently dispute personal information if it is associated with a collection accounts ( even when the collection account is also under dispute ). Instead of doing their job and independently fact checking like they are required to do under the Fair Reporting Act, they are telling consumers to contact collection agencies directly to have incorrect information 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 2023-02-17
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
On XX/XX/XXXX, my Apple Card ( run by Goldman Sachs ) was charged {$770.00}. I reported the transaction as fraudulent and put in a dispute on XX/XX/XXXX. 

Apple Card had done " internal review '' and the case has been ruled against my favor. When calling and or chatting with Apple Card Specialist at Goldman Sachs ( only method of communication with the credit card ), they can not to tell me more about the fraudulent charge or provide any reason as to why it was ruled in the merchants favor. I have requested from merchant evidence, but have not received any. I have since disputed the charge 3 additional times after the initial dispute. So a total of 4 disputes. The additional dispute dates as follows : XX/XX/XXXX, XXXX XXXX ( Dispute case number : XXXX ). 

Apple Card Supervisor claim all they can do is dispute the charge. Nothing more. On the last disputed submitted, the Apple Card Supervisor created a 3 way phone call between him/her-self, an Apple Store Manager, and myself, with the goal of attempting to look into what was charged on my account. Upon doing so, we were unable to locate any charges on my account despite my Apple Credit Card being charged {$770.00}. We submitted one final dispute ( 3rd one ) on XX/XX/XXXX. However, today on XX/XX/XXXX, the case was again ruled against my favor. When calling Apple Card Supervisor, they cant provide me with why additional information and claim I need to put in another dispute. I have been attempting to remove this fraudulent charge for almost close a year. Apple Card keeps declines my fraudulent charge dispute, is not providing me with any meaningful merchant evidence, and keeps passing the buck the next department and saying hope they will do job

Company response to consumer: Closed with monetary relief