BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2017 Amount of Interest Charged= {$27.00}. No Action taken by Credit Card company. 

My XXXX XXXX XXXX Card was paid in full and Credit Card company not willing to credit excess or fore say extra interest on my account. They just assumed this is the way to make money and did not offer any courtesy credit for loyal customers paying off there credit cards. Very deceiving as I thought paying off my credit card means XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am an American Express Platinum Card Holder since XXXX and have paid my card balances In Full each and every month without issue. In XX/XX/XXXX, American Express auto-enrolled me into a " Pay Over Time '' feature : https : //www.americanexpress.com/us/benefits/payment-flexibility/pay-over-time/ which requires the customer to then opt-out of ... To which I did Opt-Out in the Fall of XXXX because it was tripping up my cash flow and account management as it would automatically transfer larger balances ( up to $ XXXX ) to this " Pay Over Time '' bucket and charge upwards of 22 % interest on these balances vs. the balance being paid in full which I had been doing without issue even during XXXXXXXX. 

AmericanExpress then re-enrolled me in XXXX XXXX into the Pay-Over-Time feature, even though I had already opted-out and once again are automatically rolling over large balances and charging 22 % interest vs. these balances being paid in full each month as I had been doing causing cash flow issues for me and my small business. 

The auto-enrollment into this Pay Over Time feature, even after I opted out in Fall XXXX constitutes deceptive business practices and puts the onus back onto the customer to opt-out when I was under impression that my balances were being paid in full each month as they had been since I became a member in XXXX... Adding insult to injury, AmericanExpress is also charging exorbitantly high interest rates on these " Pay Over Time '' balances of 22 % when interest rates were at their lowest in our country 's history, which amounts to Usury by any measure... 

I am incensed by their disregard for fair business practices and their arbitrary implementation of this program - even after opting-out - as well as the exceedingly high interest rates they charge on these high balances they automatically put in to this Pay Over Time bucket. It's clear to me what their end game is and their rationale for doing this - i.e. it pads their bottom line at the expense of consumers and small business owners like me who are the backbone of this country and will continue to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: NC
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:
XXXX has a hard inquiry on my credit file that was not made by me. It is from XXXX XXXX, XX/XX/2019. 



I called XXXX about this and was told I needed to contact the company who listed it ... why do I need to do that? It is their responsibility to verify information they are posting on my credit report. They should be able to produce something I signed giving them access and i know I signed nothing of the sort! This is unfair and they have not removed it nor verified it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of this year, 2017, there was a mix up with my bank account at Chase. I found this out because I was involved in a car accident and had the settlement direct deposited into what I thought was my account, which it was not. Long story short, after involving the BBB, the KY Attorney General 's office, and Chase representatives, the problem was settled but not before Chase closed my account. I have found out since then, through Chase, that the account number ( that was on my computer ), was actually my now ex-roommate 's account. Now, at the point in time I was settling my car accident claim, I also went to XXXX XXXX XXXX XXXX to have my taxes done, and requested Direct Deposit. Again, the funds were deposited into the wrong account. Which brings us to today. Even though Chase was, and has been involved in this issue since the mistake was discovered in XXXX, they are, once again, refusing to release the erroneous funds back to the issuing agencies ( IRS, and KY Department of Revenue ). I have already contacted the IRS earlier this year as how to proceed. I was told to wait at least 6 weeks to make sure that I did n't get my refund late, then request the IRS to run a trace on the funds, which they did. The funds were deposited into the same wrong account as before, again a mistake. Then the IRS said they would send a request to Chase telling them to remand the funds back to the IRS. This process can take up to 10 weeks. I have done this to which Chase still refuses to release the funds, and sent me a letter stating that the matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On a past mortgage account I had with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, there was a delinquency that was reported in XX/XX/XXXX that is incorrect. For the month of XX/XX/XXXX my payment was sent around the XX/XX/XXXX. My checks were being sent to XXXX XXXX, VA XXXX as it was stated on the only document I had received since the start of the loan. I had not received any payment books or monthly statements either. A credit monitoring company emailed me saying my account was delinquent. I called XXXX XXXX and was told that my payments were going to the wrong place and that I was using the wrong loan account number. They were supposed to be sent to XXXX, PA XXXX. I was told that my payments were being re sent to PA and that the correct loan number that was not on my original document was being changed and that it would take up to two weeks to reach the correct XXXX XXXX. During that process it made my payment 30 days late. It is an error on XXXX XXXX due to the only document I received until I personally called and got all the correct information that i was never given. This error is drastically effecting my credit and possible future credit applications. I would like this error to be corrected since it was an error on XXXX XXXX and their guidelines state that they will correct any errors that occur on their behalf.

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 2021-10-23
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
No matter how many times I send them " tickets '' they refuse to answer the basic questions I have or even read the questions I asked. They simply send a link to whatever subject they decide to and then close the ticket without answering or solving ANYTHING. I've had no access to my account for YEARS and all they do is create another procedure I have to follow, change another rule or add two more steps I can't comply with to prevent me from gaining access. Or they simply send the wrong info and close the ticket. No matter how many times I tell them I CAN NOT LOGIN they simply send a link for instructions on changing passwords, etc that ALL START WITH " LOGIN. '' They've simply create a never-ending loop that can't be broken as long as they refuse to read the issues, and continue sending irrelevant links and closing the tickets. And since there is no phone support or direct support with a real person at any stage, I am forced to just keep putting up with whatever stupidity they decide to throw out next. I have even tried asking how to direct my attorney to deal with them and they simply send more links that I can't follow and not answer the question. It was my understanding that they are REQUIRED to provide legal information, but even if that's true, I don't see why they'd start complying now. 
They have made problems where there were none, and refused to answer the most basic questions. The last time we went through all this they said the phone number I signed up with when I opened the Coinbase account was no longer useable ( even though they continue to send 2fa codes to that same number even today ) and claimed I had to open yet ANOTHER account to access MY funds. I played along and attempted to do so and they refuse to help with that. It got as far as opening it and then they said I had a 2fa problem AGAIN when I was actually in the account and trying to make a transaction. No amount of trying to explain that was able to penetrate the thick skulls of the CS reps, asnd thus they continued to claim it was a 2fa problem. Eventually we moved into identification territory. They claimed that my ID had not been verified, even though I'm an existing account holder, but when I was directed to re-submit ID verification I was unable to LOGIN ( which EVERY SINGLE PROCEDURE REQUIRES AS STEP 1 ) and they refuse to do anything except continue to send links for instructions I can't follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT.

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 2019-04-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Equifax and XXXX  and not reporting accurate information regarding account with XXXX as current and open. 

The account is being reported as closed with XXXX which is inaccurate information regarding the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AES/PHEAA
State: IA
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:
I applied for XXXX in XXXX. Yesterday I finally received a count of qualifying payments, and it is only XXXX of XXXX. By my count I have nearly XXXX payments that should qualify. I don't know how they could get it so wrong. There are entire years they are not counting. The letter mentions the waiver at the top, but the entire rest of it is full of pre-waiver information and processes. Anyone reading it without knowing extremely detailed information about the waiver from their own research would read the letter and think that is the end of the road. The only option on the letter is to call if you disagree. I waited on hold XXXX hrs last night, they finally answered and said they have nothing to do with the waiver, all of that is handled by XXXX. of XXXX. They said they are not allowed to talk about the waiver terms nor mention it in their letters as it has nothing to do with their company. They stated that " they have heard '' that there is supposedly a XXXX review coming for those that have XXXX qualifying payments by XXXX of XXXX XXXX " at some point before XXXX ''. Their letter does not say anything about a XXXX review, it was all verbal. And, they have undercounted my payments to XXXX XXXX that I don't have XXXX per their count, so I won't even qualify for the XXXX review by XXXX. of XXXX, if there even is XXXX! I knew the process was broken, I had no idea it was this broken. I attempted to file a complaint, but could not get any confirmation number or ticket number for the complaint, even after going to a supervisor. They agreed to send me a letter documenting my concerns, but when they sent the letter it is boilerplate text that does not address me at all, and restates the same wrong counts. I need help getting them to tell me the truth, state the process clearly, count my payments correctly, and pass my file on for the XXXX review they say I am not eligible for because they have miscounted my payments. I thought everyone was eligible, isn't that the whole point of the waiver? What is the point of submitting through FedLoan if they are not going to follow the terms of the waiver anyway? Why not just submit directly to XXXX XXXX XXXX for review? FedLoan should be forced to update their letters to reflect current realities of the XXXX waiver. Their letters and website are extremely misleading and send the message to everyone that the waiver never happened. Also, the only option to contact them is by phone. The agent complained to me they are getting XXXX calls per hour. Well, if their letters were more informative and accurate, so many people would not need to call! And, they have turned off the chat function on their website, and don't respond to emails, I have sent them XXXX in XXXX weeks with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Bridgecrest Acceptance Corporation
State: IA
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX I received a charge from XXXX XXXX on my XXXX XXXX credit card. I do now have an account with XXXX XXXX or their finance company BridgeCrest. I called numerous times and was not able to get anywhere until I made a complaint with the CFPB. I was contacted by XXXX ( no last name ever provided ) and was asked to send a copy of my credit card bill and a police report. 

They opened a log XXXX. XXXX called me back saying they 've completed their investigation and refused to provide me the resolution. She will not provide me an answer to 1. How did this happen ( phone, online etc ), 2. What kind of transaction this was, and 3. How will they prevent it from happening in the future. 

I have already contacted XXXX XXXX and the charge has been reversed but XXXX XXXXBridge Crest has refused to provide a resolution on their end.

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 2022-03-10
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification that I owed {$440.00} to a Hospital in XXXX Missouri. This was on XX/XX/2019. I asked the collection company Senex Services CorpXXXX of XXXX Indiana to give me documentation for their claim that I owe {$440.00}. I have heard nothing from Senex. I do not owe this, but they reported it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
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 need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please

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 2019-09-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been tracking my credit on XXXX XXXX for a couple of years now so that I can work to improve my score. I was in good standing until this morning when I got a notification from XXXX XXXX that there was a change to my Credit score. Out of nowhere, there are now TWO collections showing up on my report from Commonwealth Financial OPENED ON XX/XX/2019 for medical services. I have not had any medical services from these businesses for almost 7 years! There should be no reason why Commonwealth Financial is opening it as BRAND NEW collections! I have read numerous complaints about Commonwealth Financial scamming people, not settling, and ruining their credit. They use very old debt ( 5 years or more ) and REOPEN it as a brand new debt collection! This is extremely wrong and FRAUDULENT. I have no problem settling any debt that I owe, but I refuse for my Credit Report to suffer over inaccurate and fraudulent activity!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a validation letter to Midland Credit Management on XXXX XXXX, 2022 attached below under Midland Validation letter. Their response was to only send an invoice of an amount they claim I owe them. I have already disputed the account with the original company ( XXXX ) that the debt does not belong to me ( attached below ) as this company does not have the correct address on file. So why are midland still reporting on my credit report, as they have provided no proof this credit belongs to me, I did not sign any paperwork, and are reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Credit Plus Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX 2017, I sent a wire to coinbase for {$12000.00} Usd. It has been 2 months, and I still do not see the money in my coinbase account, nor has it reversed to my bank. I have sent several help inquiries on their website and have never received a reply. Please may I have the money sent back to my bank or put in my coinbase account. It has been floating for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Im a victim of identity theft.I dont know my identity has been stolen until my debit card was declined at the truck stop.It was Saturday arround XXXX XXXX XXXX on XX/XX/2021.Right away I did check my account online and I found a big messe, someone steal my personal and identity information and open a new joined account ( under my name and his name ) .I dont know this guy.He make 3 transfer of XXXX ( XXXX each ) from my account to the new one ( the fraud one ) Then he start withdrew XXXX ( 2transaction : XXXX each ). I did not authorized any of those transfers. I called my bank to lock the account and file a claim. I called the credit report bureau to freeze the credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12
Company: AES/PHEAA
State: NY
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:
On XX/XX/XXXX, I called regarding myXX/XX/XXXX loan payment because my loan forgiveness eligibility was approved. I inquired about another income based payment that would keep me eligible for the Public Loan Forgiveness Program ( PLFP ), but would allow me to make lower monthly payments. I was told about another income based program that would lower my monthly payment. Once I verified that I would still be eligible under the same loan forgiveness program, I requested to switch. I was told once I was deemed eligible, I would have to make a {$5.00} payment on the exact date, so that month would go towards my 120 month payment requirement. Today, the took the payment ( over {$850.00} ) out of my account under the plan I am trying to change. I called and I was told the {$5.00} fee applies to next month ( XX/XX/XXXX ) not this month. I explained that is not what I was told. They offered to refund the money ; however, it would look like I didnt make a payment towards my 120 month payment requirement. I dont understand why I would be eligible for one income based program and not the other. Additionally, I am being penalized for their mistake and their inability to process my request in a timely manner. I am also writing this complaint just in case at a later date they tell me I am ineligible for the PLFP because I switched payment plans. I made sure I asked about it several times. Unfortunately, I can not trust XXXX XXXX.

Company response to consumer: Closed with explanation