BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX. I XXXX XXXX contacted the following credit card companies pertains to credit cards that were opened in my name between the years of XXXX to XXXX. 
There are two credit cards from Capital One Credit Card Company that end in the following four digit number ( XXXX and XXXX XXXX When I contacted Capital One about the above mentioned card they agreed that neither card ending in ( XXXX and XXXX ) were never assigned to me and they have no prior record or history of the number under the name of XXXX XXXX. The customer service reps suggest that I find a complaint with the Consumer Protection Bureau and file a complaint On the same day I also contacted XXXX XXXX XXXXXXXX XXXX XXXX about two credit cards ( XXXX and XXXX ) that were assigned to my name XXXX XXXX that I have never received or used before. I called and spoke to two customer service representatives about the cards and the sales representatives could not find current or prior cards with the ending numbers XXXX XXXX or XXXX ) they suggested that I get in touch with the Consumer Protection Bureau to file a complaint. 

Once again I contacted a third credit card company XXXX XXXX XXXX XXXX XXXX about one credit card ending in XXXX XXXX XXXX that was assigned to my name XXXX XXXX that I have never received or used before. I called and spoke to a customer service representative about the card and the sales representatives could not find current or prior cards with the ending numbers ( XXXX ) they suggested that I get in touch with the Consumer Protection Bureau to file a complaint. 

I suspect that the all the cards from the three companies have been opened fraudulently and I want any record of these cards taken of all of the three major credit reports and that i am not held liable for any of the amounts owed because I never owned any of the credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: DISCOVER BANK
State: MI
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 had two Discover credit cards XXXX and XXXX which I stop using in XX/XX/XXXX due to them moving money from one card to the other, adding charges that were not mind and others. I did a XXXX for law suites against XXXX and noted quite a few of the that required them to pay back their card holder the money that they illegally charged. I did not receive any refunds from then in fact the assed more charges to my cards because I stop using them! They also tried to get money out of my bank and from another credit card that I have! One of many court order that XXXX is not following. The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX XXXX, XXXX, my account was hit with a {$57.00} charge from XXXX. The day prior I had taken out the remaining funds in my account because XXXX did n't reassure me that this issue of my account being compromised would be resolved. I just got my direct deposit from my bank in my account. The account was at a {$0.00}. When this charge got charged to my account it made my account - {$57.00}. They assured me that I would get the funds back so that I can use the funds myself. XXXX XXXX, XXXX, I got credits put on my account but did n't get the {$57.00} back the way they stated I was going to get it. I called XXXX and they proceeded to give me the runaround and even taken it step further and called XXXX Corporate Office to get the funds back to me so that I can utilize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX I attempted to close out my profit sharing account from a company that I worked for previously, the funds being deposited with Wells Fargo Investments. The Wells Fargo Investments that the funds are with is located in Texas I was told that I could not do so until the end of the quarter which was XX/XX/XXXX and that I would be able to have my money in it 's entirety the 1st week of XX/XX/XXXX. I filled out all the necessary paperwork that was given to me to do this total close out of this account. I mailed the paperwork back to them as instructed. I have not received my money. I called today and was told that I could not get it at this time. I spoke with the person who handles the profit sharing for the company and he was in contact with Wells Fargo. He ( XXXX ) was told The person that handles these accounts was on maternity leave and they did not have anyone to replace them and they did not know when the person would be back so I could not get my money. They acknowledged that they had received the necessary paperwork. I borrowed money in XX/XX/XXXX based on the fact that I was to get my profit sharing funds ( now in excess of {$40000.00} ) in 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 explanation
Consumer complaint received 2022-02-05
Company: Nelnet, Inc.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In 2007 XXXX XXXX and XXXX sent recruiters to high school classrooms giving them an air of legitimacy. 
I showed interest as a XXXX XXXX XXXX and was aggressively marketed to, including multiple calls during school hours. Many claims were made by recruiters about accreditation and legitimacy of degrees. 
Excited to have been accepted in to a school with an allegedly good reputation I took out a federal loan to pay for part of my education. I took out around {$30000.00} as a fresh new adult. 

In the more than decade after graduation I have gone from entry level job to entry level job. Barely being able to access health insurance. The XXXX XXXX that seemed so important had counted for very little and making even the lowest payments has been a challenge. My interest rates have left me with more than {$10000.00} more debt than I started with. Loan servicers have bought and sold the debt multiple times making it difficult to keep track of. 
I feel that I have been scammed and that the federal government has legitimized it. Even after XXXX and XXXX have been listed as bad actors this debt has grown and stunted my ability to take major milestones in life. 
I was further insulted when after organizing with other student to amass our stories and data to show this fraud we were denied in blanket denials from the department of education. 
These predatory loans and schools should not be accessible to high school students trying to make their lives better and follow the instructions put out by their peers and educators. 
I thought I was bettering myself not damning myself by getting an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My US XXXX XXXX card has two unauthorized withdrawals made totalling about {$1500.00}. The card company offered no help. The withdrawals were made the same day my social security direct deposit was deposited. What is my next course of action. This occurred on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent XXXX gbp to an online currency company called coinbase on the XXXX XXXX 2017. A few weeks later I still hadnt received the money in my online currency wallet so I emailed the company. They replied to say that they didnt accept GBP anymore, even though the option to trade on GBP is still on their app and website. This isnt a problem and I asked for my money to be sent back. They asked me to send a small payment of 6 with a SEPA payment to verify my bank account so they could return my money. The account was verified but I still havent had any correspondence about where my money is and when I can expect to get it back. Ive emailed their support team every day but they do not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a Coinbase.com account where I have a XXXX bitcoin stored ( worth around {$13000.00} at the time I am writing this ) My account has been locked on XX/XX/XXXX when I tried to log in from XXXX. I was only on a visit that time, and I did n't know this would happen. 

It is mentioned in their article that '' your access will be restored once you log in from any non-prohibited region ''. I have done that but unfortunately, my access never restored. 

I have sent them several emails to Coinbase Support since XX/XX/XXXX to resolve the matter but they replied only once saying that they investigated the issue and working with a specialist to address it properly. And I have heard nothing since then, despite repeated follow-up attempts by me ( email correspondents attached ) Case # XXXX. 

I am a XXXX XXXX XXXX resident for many years now, working in a US based company as XXXX XXXX. I traveled to XXXX for a visit as it 's my origin country, though I am not related to any XXXX group and I am not using this funds in favor of any XXXX activities. Even -if I 'm not mistaken- that the US economic sanction has been lifted from XXXX. 

I attached copies of my XXXX Resident ID card, Driving License and XXXX XXXX as a proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CarMax, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was sold as were many customers a lemon from XXXX carmax car lot. these lemons are sold upside down so that no bank will refi them. 2:1 ratio. refuses to remove data from credit files and I visited XXXX XXXX XXXX facility 2 yrs ago 3x for same issue and was told could not resolve it. has battery vampire drain and fuel pressure issues know to manufacturer which is why line changed with future models.carmax refuses to acknowledge complaint under tila and lemon law. GAP insurance was forced to me at the dealership because the loan was upside down. I was not given the choice. I had custom nuts I did not authorize on the vehicle and when it broke down outside XXXX one XXXX I told the XXXX to buy the car back and keep it. He refused to answer me and let me go in the red to repo the car. I dont want a lemon, that wasnt the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: WA
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:
This company keeps providing inaccurate information about my student loan and sends inaccurate communications. They have repeated attempted to steer my loan into forbearance instead of refinance or a new payment plan. They send me erroneous communications and threats on a regular basis. I have had to block them from contacting me via my cell phone due to abusive practices. At one point someone even contacted my employer and tried to discuss my student loan with my supervisor. I need the abuse to stop. I filed bankruptcy but that wo n't make this loan go away. I am attaching just one of their communications, where they make a threat to report my loan to the credit bureaus. Firstly, they are already doing this, secondly, they state to call them by XX/XX/XXXX to discuss other options, but sent this message on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent Experian a cease and desist notice, affidavit of truth and bill of particulars notices. I have called Experian numerous times to dispute inaccurate, unverified and unauthorized items on my report. Experian has continued to break federal law and violate my consumer rights. Pursuant to 15 usc 1681b, a CRA can only furnish a report with written instructions from the consumer and I have NOT given you written authorization.

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 2022-02-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I started the loan application process for a loan. I closed on the property on the XX/XX/XXXX. The drama that ensued in that time period was monumental. I will indicate a few things in this drama. The loan officer was so incompetent. I had to restart the loan application process 3x because he wasn't able to find the application online. Due to his incompetence it delayed my closing date and this causing me to live in a one room shabby motel with my family for three weeks! Also because he never looked closely over my application he missed that I had a forclosure. The application for the conventional loan was now null and void. I had to reapply for a FHA loan, which also had points, so my loan was larger and I was in a loan with XXXX. If I had known I was going to be in a FHA loan I would have waited to apply for a loan after my seventh year which was in XXXX. Unfortunately by the time the discovery was found my offer for a home was accepted and I also agreed to put down {$10000.00} on the home, if I didnt go through with deal I would lose the money.No apologies from him. Just recently long after closing on the house and moving in, he asked if we had a document that we sent him a long time ago to provide him with because once again he misplaced something from my file. Today XX/XX/XXXX I got a letter dated XX/XX/XXXX from the bank that they don't have any proof of home insurance, which once again I provided to him on XXXX lack of customer service across the board with Santander Bank is truly unbelievable. I regret with everything in my heart I applied to this bank. I've had enough with Santander Bank 's incompetence in particular this Loan office.

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 2018-01-03
Company: Debt Recovery Solutions, LLC
State: OH
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:
Last summer sometime aroundXX/XX/XXXX I began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were XXXX XXXX XXXX for {$260.00} and {$200.00}. Debt Recovery Solutions for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Home Point Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home Point Financial 's servicing agent XXXX XXXX sent me a Notice of Servicing Transfer which was inaccurate. The servicing agent also made multiple misstatements which misstatements made it impossible for me to timely pay my mortgage and more difficult to make my mortgage payments at all. First, they admitted in my prior complaint that their escalation specialist incorrectly and deceptively told me repeatedly that I could only make my first payment by mailing a check. In fact, eventually I made the payment by means of a check by phone. Second, the same agent on XX/XX/XXXX lied by telling me that my first statement had been mailed to me on XX/XX/XXXX. In fact, the notice of servicing transfer is dated XX/XX/XXXX and the first statement was dated XX/XX/XXXX. Their agent simply said whatever he thought might get me off the phone and without regard to truth. Additionally, their servicing transfer notice deceptively says Home Point " began accepting payments from you on XX/XX/XXXX, '' but in fact, they said they were unable to accept a payment on my account during my call on XX/XX/XXXX. I had called twice between XX/XX/XXXX and XX/XX/XXXX trying to make a payment, but they could not even find my account the first time and the second time they found it but insisted I could not make a payment except by mail and with an invoice that they had not yet sent. Further, on this call, they confirmed my phone number, but I specifically told them I did not consent to atds or pre-recorded voice calls on my cell phone. Before I received my first statement in the mail, they violated the tcpa and called my cell phone with an atds and left a message for me with a prerecorded voice. This was a willful violation and is subject to a {$1500.00} statutory penalty. I never consented to auto-dialer or pre-recorded voice calls to my cell phone. Taken as a whole, their servicing is incompetent, untruthful, and illegal. I 'd like an acknowledgement of their servicing errors and misstatements, of their violation of the tcpa, and a credit of {$1500.00} to my account as a result of their willful violation of the tcpa.

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 2022-02-05
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madam, It's been three month as I, being on vacation in XXXX, sent XXXX Euro through Western Union to my account in USA, where I live. I got a receipt and left home. 
My transaction was canceled in a couple of days for unknown reason and the money were returned to XXXX, but, at that moment, I already was in the USA. 
Western Union said that in order to get my money, I have to go back to XXXX again. I can not get it in USA even though they have a copy of my ID, passport and a copy of the receipt, and I can not have a proxy either. 
I made numerous calls, sent emails but get only automated responses I filed a complaint with your office in XXXX. After that, on XX/XX/XXXX, I got email from Executive Resolution Department of XXXX, saying that they have an option to issue a mail refund for me, provided I submit my passport and proof of address and they would follow with me within 48 hours after that. 
I emailed everything and have not heard from them since XX/XX/XXXX. The tel number they provided XXXX is not a working number Please help me to untangle this conspicuous situation. 
Thank you, XXXX XXXX P.S. I can send to you a copy of their XX/XX/XXXX email if you need it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The initial issue began when I was charged a {$29.00} LATE fee for making payment on the due day in my time zone in California. The second issue with creditor is that I was charged on XXXX occasions {$29.00} LATE fees and interest on an amount less than minimum the normal minimum due {$3.00}. I did not make a minimum payment of {$35.00} because I only had a balance owed of {$3.00}. However, creditor charged me {$29.00} LATE fees and closed my account while continuing to charge me fees and interest. The amount currently showing owed on bill is not from products actually purchased but from unnecessary excess predatory fees on a left over balance of {$3.00}. I was charged {$29.00} LATE fee on the balance of {$3.00} creating a carry over balance of {$34.00} which creditor then continued to charge me LATE fees on a LATE fee amount. Im not being billed on actual purchases and account is held in suspended status as creditor continues to charge excess predatory fees on their own late charge amount. Basically I owe {$0.00} for purchases but creditor is charging me {$29.00} LATE fee on the previous {$29.00} LATE fee plus interest. Past due amounts are creditors duplicate LATE fees. Creditor is really charging late fees plus interest on the previous late fee they assessed. This is predatory and excess. 
My household and family have been impacted by COVID 19 and the excessive and continuous billing is negatively and erroneously impacting my credit score creating a hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
try open an account and they rejected dont get me any details

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