BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am on hold with BMO Harris trying to take care of Id theft. Yet again call already over 20 min everything with this bank is harder and slower than need be absolutely all the time NOT 2 min ago they froze my money market for no reason while I filled this out

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2017-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was recently in XXXX, XXXX travelling and I let Wells Fargo know of this ahead of time. My second night in XXXX I went for dinner and drinks and when I checked my account the next morning, roughly {$1400.00} was taken from my account through fraudulent activitiy. 

I immediately called Wells Fargo ( My bank ) and clearly indicated that I did not make this transaction and that it was fraud. I told Wells Fargo that the only feasbile way I could think of this happening was when I handed my card to someone for a small transaction. Apart from that it could have been a scanner on a fake ATM or something. 

The agent at Wells Fargo recorded my claim as a " transaction dispute '' since I was given a credit receipt. After looking into the claim, Wells Fargo issued a " credit card reversal '' and took the money back because my account did not reflect any charge whatsoever. I do not know how they managed to steal my money but, they somehow did and Wells Fargo is now refusing to reimburse me. 

I indicated to Wells Fargo that this is not a clear cut case of no receipt no reimbursement, rather they need to look into it, they can not just refuse to refund me. The evidence I mentioned to them multiple times : The fraudulent charges are {$600.00}, {$530.00}, and {$260.00}. Way outside my normal spending habits and way more than anyone needs to pay in XXXX given the exchange rate. 
My friend was also a victim and he contacted his bank ( XXXX ) as well. His bank refunded him the fraudulent charges and closed the claim. His claim, exactly the same situation as mine, can be used as support for my claim. 

Finally, added to this is my own financial problems which after Wells Fargo issued the reversal, my account dropped into the negative and I was hit with multiple overdraft fees. 

I can not believe that a bank is able to refuse to reimburse me on a clear cut case of fraud. I understand that they have their own processes involved but Wells Fargo has refused to look into it and has permanently closed my claim. 

Please let me know if there is something I can do to recover my money. 

Thanks, 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 monetary relief
Consumer complaint received 2020-12-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I was notified that my credit limit had been abruptly reduced by approximately {$5000.00}. This was in spite of a long history of on-time payments with Citi and a relationship that dates back to XXXX. I also believe that this was a retaliatory act by Citi, as I had requested a one-month deferment of the minimum payment due on the card.

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 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/20 I found a swimming pool ladder on a website. The vendor was a company called XXXX. The purchase price XXXX. The product was being run through XXXX. I was given no purchase receipt or shipping information at the end of the transaction. On XX/XX/XXXX the amount changed to XXXX. I contacted Capitol one and reported as fraudulent charges. Capital one instructed me to close account to prevent this vendor from further charges. In XXXX of 2020 a fraud investigation was filed with Capitol one. I explained that no product was ever delivered to me. XXXX claims it was but no one could provide a tracking number or purchase receipt as requested. This was fraud from day one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: Navient Solutions, LLC.
State: CA
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:
I received my student loans from Navient ( formerly XXXX XXXX ) between XXXX to XXXX. I am trying to obtain records because Navient did not report to the National Student Loan Database accurate payments I've made between XX/XX/XXXX to XX/XX/XXXX. When I called Navient, they claimed that my loans been over 10 years and they don't keep histories of loans for more than 10 years. They said it's been consolidated in XX/XX/XXXX therefore, the new servicing agency should have all my payment histories. I called XXXX  and they denied that claim. They sent me all my payment history from XX/XX/XXXX to XXXX which is the time frame of when I was with XXXX. 

The problem is, while I was making payments on both federal loans and private student loan ( which I paid off the private student loan from XXXX XXXX in XX/XX/XXXX ), there are no histories of any of that on the National Student Loan Database. Due to the PSLF Waiver program, I should have received payment credits from XX/XX/XXXX to XX/XX/XXXX since I've worked in at qualifying employer, but I have not gotten credit for any of that because Navient did NOT report my payment histories during that time frame. I can't even find my private student loan on the National Student Loans Database because it didn't report that. Navient has been scheming students and parents and now I can't qualify for the waiver because even Department of Education don't even have records of it on their Master logs because Navient have not provided records of it. When u called Navient, they simply just turned me over and told me they don't have records of my record anymore. I have a 1098 tax form that showed I've payed student loan interests in XXXX, XXXX and XXXX from XXXX XXXX. How can they not record any of my payments, but issue a 1098 form for all those years???!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I signed up for Coinbase and Coinbase Pro on XX/XX/XXXX and withdrew {$2000.00} for Coinbase and {$1000.00} for Coinbase Pro. The money was deposited with Coinbase.com XX/XX/XXXX. I checked my investments several time XXXX and then attempted sign-in on XX/XX/XXXX x3. I was unsuccessful so changed my password. At 2-factor verification, it was clear that the phone number was not mine. So I reported it in their help section. I reported it again after it was not clear it got submitted and received an email back XXXX saying they would get back to me in 5-7 days. On the XXXX I began emailing them and eventually found that my case had been closed on XX/XX/XXXX. No explanation So I refiled on XX/XX/XXXX. Have heard nothing since except the obligatory " we'll get back to you 5-7 day '' email. I'm out {$3000.00} and a business on the XXXX with millions in investments should have better methods for dealing with obvious virtual issues or at least admit there is a huge problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 - XX/XX/2018, I was treated by XXXX XXXX XXXX XXXX XXXX as I was being treated for XXXX  XXXX XXXX. 
The deductible portion of the services were not billed to any of my insurance companies. The debt was turned over to PlusFour INC. collection agency, who ruined my credit by reporting this bogus claim. 
I am and was covered by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX insurances that were never billed. 
I am unable to refinance my home because of this negative on my credit report. In twenty years, I have never had one late notice or any negatives on my report. 
The total amount is : {$2400.00}

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 2020-02-09
Company: JPMORGAN CHASE & CO.
State: TX
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:
Noticed an unauthorized charged form a cell phone company I have no account with disputed it funds were returned then the following it was taken out my acct again contacted the bank and was told that the investigation was done and my chip was tracked to location which is impossible I contacted the merchant who also offered to give a statement to police stating they never received transaction from me or on the day in question period and I have a case number I'm able o provide which the bank refuse to acknowledge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: International Computer Systems, Inc.
State: AR
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've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
l noticed 3 inquiries on my credit report .l dont recognize them XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX th XXXX Capital One XX/XX/XXXX l found those 3 inquiries on mycresit reports l tried many to tell them l never applied for a credit card or a loan for over 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: RSH & Associates, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company claims to be a Christian company but their tactics are abhorrent! Repeated abusive and hateful phone calls ( so many that I can't even count them ), foul language, name calling, threatening to cost you your job by contacting your employer and telling them you're a thief. When you ask who you owe and what it's for they claim they don't need to give you that information they just want you to pay them immediately. They threaten legal action, threaten to make you lose your home. They are just shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
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: Account status incorrect

Complaint:
It is very obvious that Equifax is not concerned about accurate reporting ; instead the company bends to whatever untruths/mistakes that it's member corporations insist on reporting. I have submitted another dispute that is clearly a mistake on the company 's part, but Equifax either did not read the supporting evidence or refuses to force the company to modify the tradeline consistent with the status that is supported by the documentation. 
On XX/XX/XXXX, I submitted dispute # XXXX, is dispute to delete a tradeline. I filed because the creditor agreed to delete the tradeline as a result from a previous CFPB investigation ( XXXX ). The effective date of that deletion was XXXX, but as of XX/XX/XXXX, that tradeline still existed on my credit report. Evidently, the message to deltee the tradeline never made it to that company 's clerks who process credit reporting. So, in my most recent dispute, I attached the letter from the creditor which outlines the commitment and includes the tradeline deletion form. Instead of Equifax reading and deleting the tradeline, they forwarded the dispute to XXXX ( now XXXX XXXX XXXX ) again, and whatever clerk received the dispute responded back that the tradeline is reported correctly. So, it's clear that either Equifax didn't send the document to that clerk or that clerk didn't open to read the document from XXXX/XXXX  committing to deleting the tradeline ( as of XX/XX/2020 ). Attached is the documentation : 1. The CFPB complaint ( XX/XX/2020 ) 2. XXXX/XXXX  XXXX XXXX Tradeline Deletion Commitment ( XX/XX/2020 ) 3. Recent dispute results of tradeline deletion request showing XXXX/XXXX  clerk responding the account is reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: REGIONS FINANCIAL CORPORATION
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 incorrect information on my credit report. It has been over 30 days and I haven't received a response

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on XX/XX/XXXX via XXXX Post registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, XXXX. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )

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 2020-12-21
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Suntrust Bank has my correct Bank Account information, but they tried to charge an old account for my automatic payment. They reported the account as 30 days late on my credit report before notifying me that the payment didn't go through. 
They did not communicate with me until after the payment was 30 days late. But, I was setup on automatic payments, so the payment was not late at all. 

This has tanked my credit score right as it's time for me to buy a home.

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 2020-12-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ally bank closed all my Accounts 1. Checking and 2 savings accounts against my wishes and without my consent. Twice later reopened only to have it happen again Lost approx XXXX usd in the following butterfly effect after. Never Been told the reason. Therize its because I did something i asked and was told was ok and fine

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 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Auto Finance has reported false and misleading information. This loan was paid off in full. I did not make any late payments during the term of the loan. This company is reporting that this account was charged off when it was NOT. This company is reporting many violations against such as : 15 us code 1692e ,15 us code 1681e ( b ) and 15 u.s code 1692k ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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:
fraud accounts that need to be removed XXXX Opened XX/XX/XXXX {$6300.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX {$11000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I used my car title to secure a loan of {$3000.00} on XXXX XXXX. I have been making monthly payments of $ XXXX {$450.00} since XXXX. Yet this company says I still owe a debt of {$3100.00}. I calculate that as of today XXXX I have paid them over {$8000.00}. 

This company is unconscionable taking advantage of me, with their predator, fraudlent business tactics. I have asked them several times to lower interest rate and settle for different payoff method, they are not willing to arbitrate with me. 

The Lender Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The Payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions 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 call Experian and sent letters. Asking to delete and remove inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation