BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I always file my UI Unemployment claim every Sunday morning so I can have the credits ready to withdraw every Tuesday. On XX/XX/XXXX, I go to one of the closest Bank Of America in my area. I put in the expected amount to withdraw for that day and the ATM machine tells me I don't have the money yet. I check my balance on the ATM and it tells me that I only have {$1.00} in my checking. In my mind, I'm thinking alright the credits must be delayed for this week. 

On XX/XX/XXXX, I check my balance again and it tells me that I still don't have the credits in my account. So I check further to find out that before I went to the bank on the XXXX of XXXX, someone already accessed my account on another ATM from the opposite side of town. An area that I never go to, an ATM/place that I have never been to before. 

Before all this, I did not have alerts on for my Unemployment Benefits XXXX thinking that there's no way someone can have access to my card because I never use it for outside purchases. I solely only use it to withdraw money from an ATM. My card is always on me and never do I let other people than myself use my cards. 

I call Bank Of America and I file a Fraud Claim on the XXXX of XXXX. 
I call them again on XX/XX/XXXX to see if there is any update on my claim and they tell me that they denied my claim on the XXXX. So I asked for them to reopen my claim for that day. 

I called them every week after that to keep myself updated. One guy helping me being optimistic and tells me that most likely I'm getting my money back after they check the cameras on the ATM 's that were accessed. 

Reach current day of XX/XX/XXXX, I called them and they tell me that they have closed my Fraud Claim again for the 2nd time. I asked them to reopen my claim again and here I am seeking extra help thinking that they're going to deny my claim for the 3rd time.

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 2016-04-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My identity was stolen and this company sent me a letter refusing to block information but has not responded to my request for a request for the results of the investigation. I doubt an investigation was even done.

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 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
DIRECT DEPOSITS ARE NOT POSTING TO OUR ACCOUNTS AMERICAN EXPRESS SERVE THE COMPANY HAS TWEETED OUT THEY ARE AWARE OF THE PROBLEM AND WORKING ON IT HAS BEEN OVER 72 HOURS American Express Verified account @ AmericanExpress 6h6 hours ago Were aware of an interruption to direct deposits affecting Personal Savings, Bluebird, and Serve customers. Please know your funds are safe. Were working w/ our partners to resolve the issue. We apologize for the inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity credit card closed my XXXX  balance Visa card because I duped not make payments on my student loans which are in deferment due to the pandemic. They refused to accept I am a government employee who has student loans that are NOT in bad standing and refused to provide me a reason why they took this erroneous action. Further a disputed account that was removed was utilized as well when I asked them why if it was disputed I did not receive an answer. I was disconnected several times and representatives were uncaring and calloused in how they responded. I was advised I had no recourse despite the error made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Sezzle Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Sezzle Inc refuses to acknowledge and follow its own published dispute policies. I have had 2 recent issues with merchants where they clearly violated the merchant guidelines published on Sezzles website resulting in a case that clearly qualified for a dispute. In both instances, the company completely refused to even open a dispute and investigate the now fraudulent charges. 

The first instance was a merchant named XXXX XXXX. This merchant shipped the package to the wrong address and admitted it via email, but refused a refund. Screenshots of all conversations with the merchant, including their admission were submitted to Sezzle and they refused to investigate the dispute. 

Most recently, I used Sezzle to make a {$730.00} purchase from one of their merchants XXXX, and paid for expedited delivery with an advertised delivery date of XX/XX/2021. As of XX/XX/2021 this purchase still has not been shipped by the merchant, a clear violation of the published Merchant policies on Sezzle.com, and a situation that is specifically pointed to in their customer dispute policy. Documentation and requests have been submitted to Sezzle Inc via their online portal multiple times. As of XX/XX/2021 Sezzle responded stating that they would not open an investigation. This company refuses to support customers when there is an issue and instead continues to withdraw funds from customer accounts in an effort to support fraudulent merchants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: Oklahoma Student Loan Authority
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In 2019 around XXXX I decided to join the XXXX. I enlisted XX/XX/2019, and found out that I was leaving to go to basic a week later. I called my students loan to make sure they had me in deferment but the system was down that whole week. I went off to basic for my students loan to take me out deferment because I wasnt in school and start charging me for my students loan from XXXX of 2019. I called the company to see if they can take of my credit report. The company Osla told me they cant take off my credit unless I was XXXX for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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:
On XX/XX/2019 my credit bureau receive a hard inquiry from Equifax Mortgage Solution without my authorization damaging my credit score. 
I just want that inquiry to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failed to verify debt. HIPPA rights have been violated I did not authorize or sign a hippa form to access my medical records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have an account balance from XXXX XXXX that I can't withdraw at all because of Gemini. Gemini owns XXXX XXXX and what happened is that my gemini account got deleted without any notice. I was not verified yet after almost 2 months and i figured there was a bug with my account. I tried creating a new account, with my job e-mail, and provide better pictures of my passport etc, but unfortunately it wont let me create a new account. It is saying that my e-mail address is unavailable. XXXX So now Gemini / XXXX owns my money and it is impossible for me to withdraw it. I have been sending numerous e-mails to their customer service and got no replies. It's been 2 months now ... I need this money back. This is fraud. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
1 ) XXXX XXXX has two inquiries in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared for XX/XX/XXXX and another for XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX 2 ) American Express has two inquires in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared in XX/XX/XXXX and XXXX XXXX American Express  XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: CA
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:
On my XXXX, XXXX, and Equifax reports an inquiry shows on XX/XX/2017. I have contacted XXXX XXXX several times regarding a fraudulent application that they caught. They told me that they have reported such to the three credit reporting agencies. It seems to me that by now these dings on my credit should have been removed by now,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
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:
On XX/XX/2020 I was at work and I received an alert from regions via text message regarding Unauthorized transactions. In receiving the text message it asked me did I authorized usage and I responded I did not immediately. After texting No, It stated it would call me within 30 minutes. I could not wait, and called immediately. Waiting 10-15 minutes I was able to get an agent who told me to call back once the transactions have posted on Monday. I checked my account all day Monday and nothing posted. I called back on Tuesday  XX/XX/2020 and spoke with an agent who opened a claim by claim number XXXX in the amount of {$1000.00}. I received an letter in the mail with little to no information stating my claim was denied. There is no way no one could have accessed my card pin number the agent stated this was not done using a pin. I only use this card for online purchased and automatic credit card payments! MY PURSE WAS STOLEN WHILE I WAS AT WORK CALLED AS SOON AS I WAS NOTIFIED.!! THEY SHOULD SEE THIS CALLED TO SPEAK WITH A SUPERVISOR AND I HAVE BEEN HUNG UP ON TWICE WITH THIS BANK. NO SUPERVISOR EVER CAME TO THE LINE CUSTOMER OF 5 YEARS PREVIOUS ISSUES NO ISSUES PREVIOUSLY LIKE THIS

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 2021-04-11
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have be unable to activate my XXXX  unemployment befits debit card ( Reliacard ). XXXX claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the Better Business Bureau and complied with further instruction from XXXX but my card has still not been activated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Receivables Performance Management, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have filed much paperwork and made many phone calls informing the creditors of the mistakes on a recent report of mine. these account are not my doing, i have no knowledge of how they were open. theres one auto company claiming that i have late pays and {$10000.00} remaining on a balance. and a collection company trying to get {$950.00} from me for some reason. these accounts have many inaccurate details on me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was financially impacted by the XX/XX/2019government shutdown. I contacted Capital One ten times explaining my income was disrupted, I was experiencing financial hardship, and I was seeking assistance. I requested short-term payment forbearance, payment arrangements, extending my payment due dates, anything to help prevent my payments being reported late to the CRAs. They would not work with me, they denied my relief requests every time I called despite advertising relief and assistance to their customers impacted by the government shutdown on their own website, www.capitalone.com : " We are here to assist our customers who are experiencing financial difficulties as a result of the federal government shutdown. We encourage customers whose income is disrupted due to the shutdown to reach out to us to discuss their individual circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Since late XXXX I've been submitting letters to the major 3 credit bureaus after I was notified that personal my information was compromised. I also reached out to XXXX and XXXX XXXX. Transunion is the only CRA that I've had difficulty with getting the issues I have resolved. I've called, uploaded documents, and mailed letters certified. I've not had much success. When I called the number listed for the corporate office in PA, the call is always routed to call center outside the United States and no one is able to find my documents, or I do an over the phone dispute, wait 30 days and receive a generic response in the mail. If the other bureaus are able to remove the fraudulent and inaccurate accounts in question, why is transunion refusing too. I've submitted a notice of breach letter from XX/XX/XXXXpolice report, FTC affidavit, several CFPB complaints and various supporting documents. Please see the previous submissions below : XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on 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 2021-02-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spoke with both the original creditor and the collection agency in regards to the debt. On the collection agency website it reflects a payment being made in XXXX but they are saying they only can see a payment was made but not for how much. That in itself is a discrepancy because if they are showing a payment then the balance should be reflecting a payment in any amount. On my credit report for XX/XX/XXXXit shows 2 payments for XXXX and for XXXX. In the amount of XXXX dollars in XXXX and the remaining balance in XXXX. When trying to clarify the debt XXXX XXXX was unable to verify when the debt was transferred only that it was at an agency. The collections agency said that the account was open in XXXX after the paid off amount to the creditor but still has a reflection of the XX/XX/XXXX payment but was unable to verify any further information in the amount they received. Finally, the collection agency is opened for XXXX dollars which is just about half of the original balance as I was only given a XXXX credit line so the account is being grossly overcharged. Finally the XX/XX/XXXX XXXX original creditor was deleted from my score, so it was my assumption the debt was settled. Neither the agency or the original creditor has been able to verify the amounts, payments, or days the account was transferred over and have yet to provide me valid proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm having trouble getting someone on the phone at the credit bureaus to remove the fraud alert from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contact on XX/XX/XXXX by phone and a voice mail was left. I was told to call XXXX about a complaint that was filed against me. I was contacted by a XXXX XXXX XXXX representing nationwide court services in Washington. He said they were scheduled to deliver court documents to me and also to my mother in law at her address. The number that was given connected me to a XXXX XXXX XXXX XXXX in which I spoke to a XXXX XXXX XXXX who said that if this debt was not settled now that I would be taken to court and have my wages garnished. The debt in question is from XX/XX/XXXX which violates the statute of limitations in Ohio to threaten me with legal action and wage garnishment. I requested numerous times for this gentleman to provide me with a letter of validation in which he said he was not obligated to do so. He was demanding we set up payment arrangement with a check or card. I questioned why a certified check would not be accepted. He would not give me reason but only stated it was not an acceptable method. At no time did he recite the statement that I have heard many debt collectors recite that this was an attempt to collect a debt and any information obtained would be for that purpose. Neither did he advise me that the call was being recorded. I also questioned why the firm he represented was not found when I searched it on the internet. I was told it was because it was a private firm. I also requested to see proof that his firm obtained my debt legally in which I was also refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation