BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Overcharged for something you did purchase with the card

Complaint:
I used my credit card in a foreign country ( XXXX, XXXX, XXXX ) to pay for a meal at a restaurant. The restaurant has a relationship with another company in XXXX XXXX, Nevada, XXXX where the charge is forwarded to. That company submitted the charge to Capital One as a cash advance after adding an unidentified fee. Capital One charged me a fee for a cash advance and interest. I did not receive any cash and only paid for a meal at a restaurant with my credit card. This resulted in XXXX additional charges or fees in addition to the expected charge for the dinner : 1. The 3rd party in XXXX XXXX, Nevada added an unidentified fee and passed it off as part of the exchange rate. The reason I know this is because the restaurant owner later explained to me that the restaurant pays no fees for the credit card transaction but the third party adds additional fees to the charge and hides it in the exchange rate.

2. Capital One had a fee for a cash advance.

3. Capital One accessed interest on the cash advance. 

As of now, I have done a charge back related to the charge and went personally to the restaurant and paid them in cash. The restaurant told me they would accept the charge back. Capital One posted the charge back but the waiting period has not yet expired. It is possible the 3rd party out of XXXX XXXX will dispute the chargeback. Since I had no relationship with this 3rd party and the original vendor ( the restaurant ) is in XXXX and I am back home in the XXXX. it might be difficult for me to do anything about this. If that happens that means I paid for the meal twice, paid extra for fees hidden as part of the exchange rate, paid a fee to Capital One and paid interest on a phony cash advance. 

There should be a rule or law that makes the credit card companies ( Capital One in this case ) responsible for fees or charges on transactions when unidentified third parties are involved. After all, I have no relationship with the third party in XXXX XXXX that added the additional charge and passed it off as part of the exchange rate. Furthermore, that company said it was a cash advance when it wasn't resulting in additional fees and interest from Capital One. Finally, Capital One directly charged me a fee for a phony cash advance and charged me interest. 

Does this seem right? How many others have been duped without knowing it because the additional charge from the third part was hidden as part of the exchange rate?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient is very deceitful. I have paid over 18k of interest for my 30k federal student loan. And they are telling me I still owe 30k of the loan. They give me very limited options for paying back the loan. They also do not give a timeline of when I should pay off the loan or how much I have left in my term. This whole thing does not make sense. I already have paid off XXXX 20k plus car loans but I can't pay my XXXX student loan debt. because of the high interest and long term student loan terms? This does not make sense. Please Help! call me XXXX! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: MiraMed Revenue Group LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Miramed, XXXX, and/or XXXX XXXX XXXX Hospital attempted to collect a debt without utilizing the insurance. Prior communications indicate that all parties were aware of the insurance in place and the purpose of me paying for insurance, is that it may be utilized. The original debt was indicated to be {$4800.00} and the reduced rate is {$580.00}. If they want only {$580.00}, then the insurance company can pay them that. Otherwise, the deductible and co-payment will need to be identified and ALL provider bills will need to be considered in the billing cycle. Not just this bill. Again, this is the reason I purchased insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Credit Karma, LLC
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had Credit Karma for years. I recently saw that their savings account had a better APR than my current bank, so I opened an account and swapped a big chunk of my savings into this account. This totals to {$5300.00}.

Shortly after depositing it, they put a freeze on my account. I got an email saying they needed a photo of my ID and a recent bank statement. I found this weird, and asked why but was not provided an answer.

I sent them what they needed, and never heard back. When I reached out again, they said they needed a bank statement in PDF form, a selfie with me holding my ID under my chin, and a photo of the back of my ID with all four corners visible.

Again, these are very weird requests. I was growing impatient and just sent it.

They replied back saying they needed the same thing. I said I already sent it, but I sent it again.

At this point Im furious, I go on their app to the customer service chat, and the lady, whose name was XXXX, said she sees all my documents, they were all perfect and exactly what they needed, and was transferring my case to a specialist. She said they had everything I needed and I should hear back from them within an hour.

I didnt, I didnt hear back for over two days. That was today, at XXXX am, they messaged me and said that I needed to upload the bank document in PDF form. 
I did, and luckily this was the fifth time I was asked, so I took a screenshot the last time to show it was in PDF form. I also took a screenshot of XXXX telling me she could see all my things, she listed what they were, and she said that she could see them and they were perfect. So I sent that to. 
I already sent the PDF, of something they shouldnt need, Im my opinion.

Also, through all of this, Ive been asking for the reason my account was locked and not one person provided me a reason, they all said it was confidential and they could not tell me until my case was resolved.

I put this money in credit karmaa savings account to earn more money monthly in APR, not to give them a loan. At this point, I want it sent back to the account I sent it from, I want the account closed entirely, or I want to find a way to press this further because this is awful and annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AR
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:
2 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS OR BE SUED

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 2022-08-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo has charged me {$88.00} for " INTEREST CHARGE ON PURCHASES '' on my credit card balance that has a promotional balance transfer APR of 0 % until XX/XX/2023. However, I never made any purchases with this credit card. So why is Wells Fargo charging me purchase interest when I never made any purchases since the opening of this credit card? 

This is unnecessary fee interest and I was wrongly charged for it as I do have a promotional balance APR of 0 % until XX/XX/2023. 

The latest statement has been attached to this case for reference and evidence.

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 2021-09-14
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:
on XX/XX/XXXX XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX FOR THE AMOUNT OF {$65.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened on XXXX XXXX XXXX, XXXX XXXX opened on XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX  AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-11-05
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX XXXX is reporting multiple accounts to my credit ratings which are not mine dispute my numerous disputes, online inquires to validate, XXXX complaints and bureau disputes over the course of 4 years.

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 2022-01-15
Company: EQUIFAX, INC.
State: FL
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 checked my credit and noticed a numerous amount of credit inquiries that I did not authorize. I have credit already with the consumers and noticed some of them did multiple inquiries back to back monthly without my consent. I have not recieved no extra cards or services. There was fraudelent charges but my cards were replaced thats all. I never authorized those inquiries from experian and equifax. 
XXXX ( XXXX inquiries XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX Equifax ( XXXX inquires ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called the credit bureaus to dispute these inquiries but they told me to contact the CFPB first. I would like these removed from my credit as I gave no authorization nor consent to the those inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: AES/PHEAA
State: CA
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:
So Im told because XXXX did not receive my " recertification '' letter weeks after they told me to submit it, I 'm being penalized and my payment went up from {$150.00} to {$950.00}. I have paid XXXX a total of {$10000.00} since inception and my balance has not moved but instead went up to {$68000.00}. These people are loan sharks. As a veteran of the United States XXXX I 'm appalled and disillusioned at how this nation handles student loans. Im 43 days and in risk of being reported to the bureaus. I have sent them a check via registered mail this past week for {$160.00}. I plan to make the rest soon but Im afraid that they will report me making my situation worse than it is. I have worked for XXXX XXXX XXXX until recently but can not any longer especially after just finding out the program might phase out. XXXX is very unforgiving and preys upon the military. I want to ask you for help before I seek legal assistance. We are given five days to submit recertification documents which will never get processed on time due to staff shortages. So in essence people will default and the excuse will be " we never received your recertification letter on time. '' Im urging YOU to please help, this can be your son or daughter in the same predicament. XXXX is thriving hoping that students will keep their mouth shut and continue making payments. I will take this as far as I can to my legislators and senators and bring proof to them in form of payment receipts that what they 're doing is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Genesis FS Card Services, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi INDIGO ; Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2018-01-08
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill on XX/XX/XXXX from Transworld Systems Inc. for {$200.00}. This bill had two line items. One item for {$150.00} and another item for {$46.00}. I called to Transworld Systems Inc on XX/XX/XXXX to pay my bill. I gave them my payment information and they processed the payment. The phone operator confirmed that I paid everything showing in her system and that I had no outstanding payments. 

A few months later, I received an alert from my bank that my credit score had changed due to an outstanding debt that I owed. My credit score showed that I owed {$46.00} to Transworld Systems Inc.I called Transworld back and they informed me that I only paid the {$150.00} and still owed {$46.00} ( The phone operator on XX/XX/XXXX told me that I had paid everything that I owed ). I paid the {$46.00} during the phone call on XX/XX/XXXX. 

My credit score is now being affected because it shows that I had an outstanding debt payment for three months, even though I thought I had paid the entire debt in full on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have a checking account with Chase Bank, and have had multiple issues with them keeping our information safe and secure at this point. But most recently, we were checking our account and going through the transactions and saw a {$40.00} withdraw from our account from an unrecognized vendor. We did some research and found out that it was a payment for a XXXX credit boosting credit card that neither one of us applied for or possess. This is a huge concern because there has been several times where people who weren't associated with our accounts have been contacted regarding our PII. My XXXX set up a XXXX account through Chase last year and it was completely separate from all our other accounts, but I kept getting all the emails regarding his business information. We just set up a joint checking account a few months ago, and when I had to call in to get our account unfrozen, for some reason, my XXXX who had absolutely no connection to any of our bank accounts were also called about this issue. Chase is not keeping our information and money secure at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15
Company: Experian Information Solutions 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 on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 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. Please delete the items immediately. 



By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

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 2017-07-29
Company: Experian Information Solutions 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 a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on 2004, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX servicing. Someone had that account transferred/sold.

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 2022-01-15
Company: EQUIFAX, INC.
State: IA
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:
Equifax is reporting the wrong birthdate on my credit report. Please fix this ASAP My birthday is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 

This is not a refusal to pay, but a notice that this account is disputed. 

Under the laws of the ( State of Iowa ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

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 2022-01-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a new account with Huntington Bank {$250.00} promotion, 90 days later met all the criteria to activate the promotion and now they say they have no record of it.

Company response to consumer: Closed with monetary relief