BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have used my debit card online without using a pin ID. But I ended up not getting the service I paid for. The fraudulent merchant would not issue a refund and would not respond, so I initiated a dispute with Axos Bank on XX/XX/XXXX. After submitting my first certification on XX/XX/XXXX and as of today XXXX XX/XX/XXXX XXXX, Axos has not resolved the issue and has not refunded the charge. 

I have been in communication with Axos either via phone or via e-mail for the period XXXX, but not once did any of the representatives provided any helpful information regarding the status of the dispute. I have talked to various customer service reps from XX/XX/XXXX to XX/XX/XXXX, but although they seemed to understand the issue, they offered no help. I have also e-mailed them various times via its secure website ( see attached ). 

Without any resolution to the XX/XX/XXXX dispute, I unexpectedly received a call from Axos Fraud dept ( a third-party provider most likely based in XXXX XXXX asking me to check the secure e-mail at Axos website and sign another certification. He offered no explanation as to what happened to the XX/XX/XXXX dispute and why I needed to sign another certification. And despite my frustration, I willingly re-submitted the certification right away ( see attached ). And as expected, to date I have not heard back from Axos, which is no longer surprising based on my previous experience during the first unresolved dispute. 

Axos does not resolve card disputes by its employees, but subcontracts it to a third-party provider in XXXX or somewhere in the XXXX XXXX. It appears that Axos does not have control over this provider and it does not follow-up any of the clients dispute status. Axos simply does not have accountability to what this provider is doing. The customer service reps do not have direct contacts with this provider. And every time I send an e-mail about a status update, the reps were so quick in closing the ticket just as soon as they have responded - whether or not their response involved resolving the issue. This is one of the worse customer service I have ever experienced with a bank in terms of getting credits for charges dispute. 

Since I have used my debit card online and ran it as a credit that is I didnt enter a PIN at the point of sale, should the bank follow the rules set out by Visa and Mastercard and thus subject to the rights spelled out under the Federal Truth in Lending Act and the Fair Credit Billing Act? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Coinbase.com, in the words of a member of their support staff, " is designed for retail customers, and focuses on providing the easiest possible buying experience. '' Coinbase.com differs from Coinbase Pro, which, again in the words of that same member of their support staff, " targets more sophisticated traders, who we hope will bring volume to the exchange. '' Coinbase.com markets itself to retail customers who are often new to cryptocurrency trading. On their website they state that " Coinbase is the easiest and most trusted place to buy, sell, and manage your digital currency. '' However, when buying cryptocurrency on Coinbase.com, customers incur substantial fees. Granted, their fee policies and rates are disclosed, however what is NOT disclosed is that customers can trade on Coinbase Pro, an alternative platform owned by the same company, for 0 % fees for certain types of trades. As a new cryptocurrency investor, I was misled by Coinbase, advertising itself as the " easiest and most trusted place '' that I could use to begin investing in the space. Before incurring over {$450.00} of transaction fees, I was NOT notified that I could place my orders on Coinbase Pro for {$0.00} in fees for limit orders. It is unfair that the same trading options are not provided on Coinbase, which trading options retail investors could use to avoid incurring substantial fees. There is no significant level of sophistication required to understand the difference between a transaction that incurs fees and one that does not. As such, retail customers should be made aware of all options, through both Coinbase and Coinbase Pro, when signing up for a Coinbase account. Coinbase appears to be preying on the ignorance of new investors by steering them into a more expensive trading platform that does not add any value to the customer. Coinbase has rejected my request for a refund of these fees, so I wish to file this complaint in order to promote increased and more transparent disclosure policies so that other new investors are not similarly misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Experian Information Solutions 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:
I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Reporting scores as low average which is wrong because all my bills are paid on time which is making me be denied credit consolidation loans. Also loan interest is triple the loan amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
BOA has refused to pay the settlement of this class action suit for 2 years. The original check was lost during a move. They say they will send a new check, but never do. My reference number of last phone call and request is XXXX. Please have them pay the money due and since it has taken 3 years interest for that time period in addition to the settlement fee.

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 2019-03-04
Company: WLCC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I was contacted by phone and through email with messages advising me I have been approved for a payday loan. They emailed me on XX/XX/2019 saying I was approved. I called them and the terms of the loan were described to me inacurrately and they violated State Law in Michigan by offering this loan. This company put false claims and false information in the loan contract trying to make it seem like this payday loan was legal, however, after doing my research they do not have a lending license in Michigan, the APR on the payday loan exceeded the maximum amount allowed by Michigan law, they made false claims how Michigan law doesnt apply to them because they are a tribal lender, they stated in the contract that I could revoke ACH authorization any time by emailing them and when I emailed them to do that and advise them that this loan is illegal and that I am bound by my state laws not theirs and also asked to be provided a license number to prove they were licensed to lend in the state of Michigan or I would file complaints with the FTC, the XXXX, and my attorney general of Michigan I received no response. However, from that same email address I wrote my email to on XX/XX/2019, they are pretending they never received any email and continuously emailing me with payment reminders and stating they will be drafting from my account automatically in a few days. I revoked all wage assignment and made it clear to cease and decist all contact by telephone to me, my employer, or any reference I provided them on the application and I will only communicate by email with regards to this matter. Even after my cease and decist demand they have still contacted me by telephone completely ignoring my demands. After taking the loan I did some research and found out that if I feel a lender violated Michigan law then I should notify the lender in writing that they have violated law and the lender has 3 days for a decision. If it is determined they did violate the law which they did multiple times then the lender is required to pay the borrower 5 times the fee ( minimum {$15.00} ) associated with the loan. I sent this letter to the email address I was provided on XX/XX/2019 and they have not responded to me or even acknowledged the email, but again they keep emailing me demanding payments and saying they are going to debit my account from that same exact email I wrote my letter to. Multiple laws have been broken and they are not responding to my demands or my emails, they are still providing illegal inaccurate information, and I would appreciate any help I can get to shut this company down. They are operating illegally and taking advantage of consumers. Thank you for taking the time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I sent dispute letters to Experian, XXXX, and XXXX disputing an inaccurate information regarding a bankruptcy on my consumer report. Experian, XXXX, and XXXX have neglected to report that bankruptcy that is on my consumer report has been disputed. That is a violation of 15 USC 1692e ( 8 ). It must be reported that an account or an entry on a consumer report be marked disputed when a consumer has disputed it. Failure to do so can result in litigation or arbitration. I have previously disputed this entry as inaccurate on my consumer report. Since this account/entry has been disputed Experian, XXXX, and XXXX have failed to comply with the requirements of 15 USC 1692e ( 8 ). 
Also, Experian, XXXX and XXXX have no permissible purpose to share bankruptcy information in its entirety with my name, social security number and other identifiers. That is a violation of 15 USC 1681 ( b ). I have never given my written consent or permission to furnish information not given to them by me or the United States Bankruptcy court ( please see attachment ). I completely intend to file suit in small claims court.

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 2020-07-27
Company: DriveTime
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Effective XX/XX/XXXX, I reviewed my XXXX XXXX account as always because I am done with my car loan. I have been told numerous times that my maturity for my vehicle with done making payments will be XX/XX/2020. I have documents in black and white as well. My initial maturity date was XX/XX/2020. But that payment was added on to the end of my loan which made my new maturity date XX/XX/2020. Now, out of the blue XXXX aka Drive Time is saying that my account is past due in the amount of {$290.00}. Which I have spoken with several customer service agents who clearly stated they did not know why the amount was all of sudden on added to my loan balance. I even went inside of the Drive Time location in XXXX XXXX, GA. and spoke with a sales associate name XXXX who consulted with the store 's manager who stated they are unable to provide a logical reason as to why the amount was added onto my loan and to contact customer service on which I did and the customer service agent was not able to provide me an answer as well. I have submitted many complaints in regards to fraudulent information this company is reporting as well as being unethical. CFPB would you please assist me with this issue? Drive Time needs to be fined for being unethical and committing fraud on consumers accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: AUDIT SYSTEMS,INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2018, I made a {$6000.00} payment to XXXX XXXX XXXX XXXX ( XXXX ) drawn on my Bill Payer account with XXXX XXXX XXXX XXXX XXXX, which employed XXXX XXXX ( XXXX ) to make the payment. 

Due to an error in my calculations, the check was returned for insufficient funds on XX/XX/2018. 

Even though the {$6000.00} was returned to XXXX by XXXX, XXXX keeps trying to collect the money again. 

I have communicated with XXXX and its first collection agency ( XXXX XXXX XXXX XXXX, XXXX ) several times, sent them a copy of the statement, and even sent them a letter from XXXX confirming that the money was returned, but -- instead of investigating -- it ignores whatever I send, and has now turned it over to another collection agency ( Audit Systems Incorporated ). 

I am afraid that they will besmirch my excellent credit record, and perhaps even sue me for money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I purchased a watch on XX/XX/2023 through my American Express Gold Credit Card for the amount {$4600.00}. Unfortunately I lost the watch during my day off while visiting the mall. After I researched on the American Express website, I managed to find that my credit card offers a service called purchase protection. I filed a claim with AMEX within the purchase protection window outlined in the credit card agreement. I also double checked that my current situation qualified for this benefit. When I first filed the claim I provided all the information required, at first my claim was denied. I appealed the case and provided more information and proved everything that I was qualified and I was within my rights. I was put through multiple loops of unhelpful customer support calls and emails which neither of those were returned to me on timely matter ( around 3-4 days delayed ). This is a complete violation of my rights and our agreement with American Express. In addition, it is a terrible customer service which makes me to be pushed away from this company when they don't even have the minimum decency to reply on time to such an important matter to their customers. Amex promotes such cool services for their premium credit cards but don't follow through and violate customers ' rights. 
I am completely disappointed with Amex and their brand for promoting protecting their customers because they surely didn't protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-05-25
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone opened the online account under my name in XX/XX/2018 now the account have balance of {$960.00} in XXXX XXXX XXXX XXXX XXXX. I contacted them and they don't want to admit it was their mistake opening the account without verifying my identity first

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After reviewing my annual credit report I've notice that transunion currently reports an account under the name : XXXX XXXX  inaccurately. 

1 ) The name and address on this account is completely inaccurate and misleading. A violation of FCRA rules section 1681 2 ) The reported balance is wrong and inconsistent a violation of FCRA rules 3 ) The last date of activity is inaccurate a violation of FCRA rules.

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 2021-05-25
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2021 I mailed letters to XXXX XXXX, and XXXX. Also, the collection companies XXXX XXXX XXXX, XXXX, and Account Resolution Corporation for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response for none of the collection accounts and its been over 30 plus days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio Recovery Associates is reporting a 120 day late payment on a collection account. The collection account was previously closed and has since been re-reported with a new account number to XXXX which is against regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: W&A Intermediate Co., LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
WAKEFIELD & ASSOCIATES ACCOUNT # XXXX They have continuously harassed me regarding a fake debt owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. by email, telephone and text. The supposed debt they are attempting to collect is, in my less than humble opinion, a classic case of potential XXXX fraud. As such, I have contacted XXXX XXXX XXXX Department, the XXXX XXXX XXXX XXXX, and the XXXX. 

On XX/XX/2022, I visited the emergency room of XXXX XXXX XXXX XXXX and was seen by the ER nurse which resulted in a XXXX billing of {$1900.00}, in two parts of {$1900.00} and {$70.00}. The bill was paid in full by XXXX and my supplemental insurance carrier, XXXXXXXX XXXX XXXXXXXX, in accordance with negotiated payment guidelines. 

Now, XXXX is attempting to collect the XXXX billing a second time but in a total amount of {$1900.00}. Duplicate billings of this nature constitute possible XXXX fraud - period! 

I have spoken to XXXX who appears, at least to me, to delight in their juvenile attempt at fraud. While Wakefield & Associates may be an innocent bystander in possible attempted fraud, an additional billing for the same service provided only once is still possible fraud.

The proof of payment is attached and shown on page 3 of 6 of the Explanation of Benefits taken directly from XXXX website. 

I am successfully retired as a XXXX XXXX XXXX and not an uneducated village XXXX. I understand XXXX XXXX and XXXX extremely well. I have a current XXXX credit score of XXXX out of a maximum possible score of XXXX. So trust me when I say that any further collection of a fraudulent billing by either XXXX or Wakefield & Associates or fraudulent entries to any of the three major credit bureaus will be met with a personal and professional injury lawsuit which I am more than capable of affording. 

XXXX should be prosecuted for attempting to participate in possible XXXX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I spoke with a representative at Experian after a dispute of the incorrect information was made, then not changed, and to date I have not receive a response after the call was made. XXXX XXXX is reporting that a total of XXXX was written off, but in fact my insurance company paid them XXXX because the car was totaled. I have sent in the documentation, but they refuse to change it due to the fact XXXX XXXX is reporting it this way. I had a short sale in XXXX/XXXX/2012, and Experian is reporting it as a foreclosure. I have disputed this item also. I have a great deal of student loans, that I have disputed also, but are still being reported incorrectly. I have been denied a mortgage due to inaccurate reporting on my credit reporting from all of the reporting agencies, but because I spoke directly with Experian, they are at the forefront.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

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