BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There were 3 transactions, 2 of {$600.00} and 1 of {$500.00} that were withdrawn from my account using XXXX. When I contacted my bank, they restricted my accounts and access to my online accounts, and canceled my card. Then they transferred my call to the XXXX department, and apparently a claim was filed, but they told me that since I supposedly authorized these transactions they couldnt do anything about the money I had lost. They then told me to try and request money back from the recipient, but how am I supposed to request money from someone who I didnt know and whose phone number/XXXX   information wasnt available to me?? The person who I had supposedly sent money to went by the name of XXXX as said on my XXXX app, but there was no phone number or account info to request money back from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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: Account status incorrect

Complaint:
Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX, Experian and XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

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 2020-06-29
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Opened two no penalty CD accounts on XX/XX/XXXX with Ally Bank. Funded one with {>= $1,000,000} by having Ally transfer money from my XXXX XXXX account. After that went through, I funded the second account by requesting that Ally do another transfer on XX/XX/XXXX of {$100000.00} from XXXX XXXX. I received an email from Ally that the transfer was successful on XX/XX/XXXX. The timing is important because Ally has a 10 day best rate guarantee and their rates are going down. On XX/XX/XXXX I received an email that there was a problem with the transfer and they are sending the money back to XXXX XXXX. I called up Ally and was told that for some unknown reason the new CD was closed before it was funded so the money was being sent back. I asked to speak to a supervisor and they told me that they could open a new CD but there was no guarantee that I would receive the higher rate I was promised when I opened the CD they mistakenly closed. I asked that they have someone that could fix things call me. They said it would be days before I heard from anyone. So far I have heard from no one. So because of their error, I have lost the higher rate plus a weeks worth of interest on my {$100000.00}.

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 monetary relief
Consumer complaint received 2018-12-05
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello I am a customer with U.S Bank almost one year with the same problem with adding my VISA Debt Card to XXXX XXXX I called visa and they said I need to call my issuer about this problem and they will NOT treat me fairly as a customer to their institution ( US Bank ) I told them that Text messages ( also known as SMS, short message service ) and email are both safe, .Which is XXXX i use and there encryption for XXXX is 256 bit encryption and the site clearly stats Information you send or get through the site is private and it uses HTTPS ( HyperText Transport Protocol Secure ) and the message for the codes to activate debt or credit cards are secure here are examples what it looks like from a users PC OR XXXX or XXXX or XXXX FIRST STEP https : XXXX XXXX XXXX : The code to verify Virtual Card The verification code to activate your virtual card in is XXXX, for debt card ending in XXXX. 
Please note that this code is temporary and will expire in 10 minutes. If you try entering the code and it has expired, you'll need to request a new one in  _____________________________________________________________________ Second Step Confirmation : Virtual Card Added to XXXX XXXX ( R ) Hi, XXXX, start using your new virtual card in XXXX XXXX ( R ) We're letting you know that the credit card ending in XXXX has been added to XXXX XXXX by you ( or a joint account holder or an authorized user ) on the device with phone number ending in XXXX. 
You now have a virtual card ending in XXXX that's associated only with XXXX XXXX. This virtual card is connected to the credit card ending in XXXX but has a unique number separate from the physical credit 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 2018-01-31
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my payment on time and I got the next credit card statement telling me to destroy the credit card and that I have to pay a late fee. When prior to doing the XXXX XXXX it was stated that as long as I did it today I would not have to pay late fee. I made the payment on time and they seem not to care at all. I talked to XXXX XXXX they said it was urgent payment meaning in 15 mins not 3 days.

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 2020-08-22
Company: BMW Financial Services NA, LLC
State: FL
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 have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and BMW BANK OF N.A.. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and BMW BANK OF N.A. with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Im receiving phone calls from XXXX about a debt that does not belong to me and is not even my name. I have told them they are calling the wrong number. They called 3 times yesterday, and just called this morning at XXXX XXXX, Sunday morning, XXXX XXXX. This debt belongs to someone else and this company is telling me information about that persons debt. I asked the persons name this morning and told her I was reporting this company. She stated her name is XXXX XXXX, which Im quite certain is a fake name, considering this person had a very strong XXXX accent. I would like this company fined. Im planning on filing a lawsuit. From what I understand this company will be required to pay {$1000.00} for violating the rules. Especially considering this is not even my debt and they just ruined my XXXX XXXX, and Im a mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2018-04-17
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:
Dear Sir/Madam, I recently received a copy of my XXXX and Equifax credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX and Equifax creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 2- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX5- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( equifax report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( equifax report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX8- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 9- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 10- ( equifax report ) XXXX XXXX Inquired on XX/XX/XXXX 11- ( equifax report ) XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I received a money order from one of my tenants for {$960.00} which I deposited in my bank account. On XXXX XXXX my bank said there was a stop payments on the money order. I called Western Union and they said you can only stop payment on a money order with a written notice mailed to Western Union. You can not do it by phone.

I would like you to check with Western Union to see what you can find out about this money order. I don't see how anything could have been done by mail within 2 days.

Western Union tells me it could take up to 15 days,, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Paypal Holdings, Inc
State: TX
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:
Sir I'm XXXX on XXXX. I have account on XXXX & I seen a swimming pool on sale for 72 hour at the first of summer XX/XX/XXXX and that Index pools and know that brand had one for years and needed another one cause my plumbing is not working. I got one to bathe. Never got the pool. Pay Pal gave them the money before I got the pool. Never received the pool I been with out .I Disputed it came back declined. Can you help me get my money back I waited 2 weeks never came. So XXXX and PayPal is not doing things right. Right is Right Wrong is Wrong Good is the only way to do. Thank you for your time and concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient student loans, on XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, to studies XXXX XXXX XXXX XXXX, I graduated onXX/XX/XXXX, I was unemployed, and the time Sallie Mae, send me bills to paid them, they place me into a forbearance, since I didn't have money to paid them, I didn't have other choices, just obligated to be in forbearance, and deferment today date, I owned them {$16000.00}, on my students loans .At the beginning on the loans I only owned them {$9500.00} .Today 's date that they advised me, my estimate pay off is in XX/XX/XXXX and constantly, they changes my terms on the loans, plus they keeping adding interest, adding years, too, they place me on forbearance, and deferment, at any time they wanted, without my consent, Im been struggling paid them back, two years, already, and as soon, ( Sallie mae ) change to Navient, they didn't stop calling and harassment, non-stop, and the school, too, calling me for payment, and I didn't have a job, or unemployment benefits, how can I pay them, I explained them millions of times, and they kept calling me. The XXXX, teacher, she never teach us, she only show us, TV shows of XXXX XXXX XXXX   The biggest, mistake in my life is getting in debt, for a education, that didn't teach me anything, but waste my time and energy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In XX/XX/2018 I was in the market to purchase a home. I shopped around and purchased my home in XX/XX/2018. A credit company known as CBCinnovis ran a hard inquiry on XX/XX/2018 without my consent. I want this removed off of my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card company is holding me responsible for spousal identity theft committed by my ( now ) ex-spouse. Spouse got a Barclay 's Visa XXXX Rewards card on XX/XX/XXXX, without my knowledge or consent, a month after I filed for divorce and fled our abusive home. I initially noticed the card I didn't recognize when I looked at my credit report in early XX/XX/XXXX. I immediately contacted Barclays and the said they would get back to me. They never did. Purchases to the account were made during this time and after, but I never received bills or statements or were aware of them in any way. The divorce was final XX/XX/XXXX. 

In the midst of a difficult divorce, I did not follow up until XX/XX/XXXX when I received a letter in the mail from Barclays stating what they did with my information. I called them immediately, stating this was identity theft ; it was not my card and I have never had an account of any kind with them ; they opened a fraud investigation. Despite sending them police and FTC reports, Barclays ended the fraud investigation once I said I recognized the name of my spouse. However, he had never been an authorized user or in any way listed on the account ; I was the only name on the account. Despite this, all the contact information they had ( email, phone number ) was his. Prior to my contacting them in XX/XX/XXXX, I had never received a statement -- they were paperless, sent to the thief 's email. This violates the Fair Credit Billing Act.

Since we were still married at the time the card was opened, they are holding me responsible for everything. Barclay 's says no signature was required to open the account so I can't claim he forged my signature. What about all the fraudulent purchases made, was my forged signature required then? While I think my ex should be held responsible, I also am in no way responsible for this identity theft. I have closed the account but I know that fees and interest are building and threaten to negatively impact my credit.

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 2020-06-30
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
I spoke with 3 different associates at GM Financial, then spoke with a manager. They informed me that they have not been reporting to the credit bureau 's since XX/XX/2020, when Covid hit and they told me even today XX/XX/2020 when I spoke to the manager that they still are not reporting. I assured them that someone is because it shows up on, my report and delinquent past 30 days for both XXXX and XX/XX/2020 with 3 different credit bureau 's. 

I am in the process of trying to adjust my finances and this is affecting my score a lot. They told me that they could not call the credit bureau 's to fix the problem. 


Bottom line I need it to reflect on my credit report that I am not delinquent with GM Financial and am in  good standing. I have attached supporting documents as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: BB&T CORPORATION
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:
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.

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: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Identity Theft : Victorias Secret Card not requested Sent to former address Can not contact company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.

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 2020-10-13
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase bank received a loan for XXXX they wouldn't let me XXXX it caused me mental anguish and financial hardships had to close account w chase not allowed to bank w them ever again and owe them XXXX $ etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have a " FlexLoan '' from XXXX XXXXXXXX XXXX beginning in XX/XX/2017 when I had several unexpected expenses. I had to use one transaction to even pay my rent. I understand this is not meant to be inexpensive credit and there are warnings about not borrowing too much, but I never saw the interest rate charged until I logged in and pulled up statements. Way at the bottom the rate is shown to be 279.50 %! No wonder I can not get ahead! On the original {$3800.00} borrowed, I am paying {$900.00} per month. The terrible thing is my balanced owed is going up each month due to compounding interest! 

I contacted XXXX asking for a way to lower my interest rate - they say that is not possible. I asked to close the account and setup a reduced repayment plan and they refuse. What is my recourse? I want to honor this debt but the outrageous interest rate and compounding is making this very difficult! 

Thank you for your assistance. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: DISCOVER BANK
State: PA
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:
In XX/XX/2018 I utilized a 0 % APR offer for a balance transfer which would last for 12 months. Prior to this I had not had any issue with my balance being paid, and had not accrued any interest. However, after the balance transfer had posted, although I had paid more than the amount of my purchases ( which the excess should have been used to reduce my balance transfer amount ) I began to see two things : First, interest charges in the month of XXXX and XXXX, and I now see a running interest balance that will be charged for XXXX. Second, my balance transfer amount has not gone down in the amount that I have paid the company. Attached are the documentation of my conversation with the company, billing statements ( which reflect payments as well ), and the initial acceptance email of the 0 % APR offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been acting as a debt collector, and did not disclose to me that they in fact are a debt collector when calling. They have repeatedly texted and called from different numbers and never disclosed that they were a debt collector when calling. They assumed it was conveient for them to call me before " XXXX ''. When it is in fact not convenient at all to receive calls or texts throughout the day. This is their official notice to cease and desist all communication with me, otherwise by the CFPB website, or by mail.

Company response to consumer: Closed with non-monetary relief