BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I called Experian over 20 times on XX/XX/XXXX. I was trying to speak with someone about disputing an erroneous address on my credit file. I was unable to speak with anyone, as the call kept dropping after 2-3 seconds. I attempted to dispute the wrong address on the website, but received an error message. 

Also, I had some questions about my membership, but I was unable to speak with a rep.

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 2018-04-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i notified, this is not my account, and they insist on collecting and sending me to jail, i ask for the copy of the application, and they don't send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Payward Ventures Inc. dba Kraken
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
At Kraken Exchange, on XX/XX/20, early AM, I opened a 6 XXXX  long position ( 2x leverage ) at {$18000.00}, with a stop-loss at {$17000.00}. At XXXX when XXXX was trading up around $ XXXX {$19000.00} and the buy-sell volume increased on the platform, my position was liquidated at {$17000.00} and - {$9500.00} was deducted from my account. A position that should have been up a few thousand dollars at the time was liquidated. They claim that they had a candle wick go all the was down to {$16000.00} at XXXX, meanwhile the candle body was $ XXXX {$19000.00}. The exchange was that illiquid and couldn't handle all the orders so my position was stopped out at {$17000.00}. XXXX and XXXX US didn't have this {$16000.00} XXXXXX/XX/XXXX, only Kraken. 
Kraken offered me double the amount of the loss in XXXX credits to be used only for trading fees. I said no thankyou. They refused to refund my {$9500.00}. I have since requested my account to be closed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: BARCLAYS BANK DELAWARE
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with BRCLYSBANKDE and BRAND BK/GS. 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 both XXXX and XXXX and BRCLYSBANKDE and BRAND BK/GS with no successful resolution. There was definitely an error on their part.

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 2021-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Ive asked capital one to help refund me my money out of a scam company that was supposed to hire me. Ive spent over {$4000.00} because the scammers sent me a check, which cleared in my account so obviously I thought it was valid and used the money to send to someone to purchase the equipment. Then it reversed into my account leaving me with negative balance. Ive asked the bank to help me because why would they clear a check then cancel it? It made no sense. They said since I spent the money they cant help me recover it. I lost over {$4000.00} which I still need to pay. I cant afford to pay because I lost my job to the pandemic then got scammed out of all my savings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still XXXX XXXX XXXX accounts on my credit report with TransUnion and 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 2018-03-22
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Requested a new debit card in XX/XX/XXXX. Never received the card so I called to determine what was happening. I was informed that a new card ( a different one than the one I requested ) was being sent because the previous card ( the one that requested ) was compromised. As the card hadnt arrived even though they claimed it had been sent they sent another one. Fast forward another month. I finally receive the card itself but no PIN number. As of XX/XX/XXXX I still have no PIN number for this card. I have two checking accounts with them and have been using the card to my other checking account in place of the normal card until XX/XX/XXXX when that card too was cut off without warning for possible breaches at places Ive shopped. I now have no way to pay bills as they are connected to the old cards and I dont have new cards that I can actually use. When I called to find some way to keep things going until I received either PIN numbers or the new card and PIN the phone agent provided no tangible, actionable help beyond resending the PIN and a new card in 7 business days. There has to be a better way to handle this then cutting off cards without providing some type of warning beyond a letter that may or may not arrive before it happens ( if at all ). I now may face late fees and additional penalties for any bills that were connected to the second card that was used in place of the first one that was also cut off almost 3 months ago. I cant switch the bills to another card because I dont have another one to switch it too. While at the bank on XX/XX/XXXX for a separate issue that was resolved, another customer came in with almost the exact problem and was given little to no resolution. It seems like this system isnt working well and changes need to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Paid student loan payment XX/XX/2020. Requested a refund per the CARES Act. Fedloan Servicing saying it will take 60-90 days. This is unacceptable practice. See below correspondence. 

Thank you for contacting FedLoan Servicing! 

A request was submitted to refund your payment received XX/XX/2020 in the amount of {$840.00}. Please allow 60 to 90 days for the payment to be received. 

Please use the " Contact Us '' link through your online account at MyFedLoan.org to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20
Company: Village Capital & Investment LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've always been able to make my mortgage payment online to village capital through their website. In XXXXXXXX XXXX XXXX I went online to make a payment and it told me that the option had been removed. I called the services number on the statement and waited on hold for over 2 hours and eventually opted to have them call me back. I never received a call from them. I continued to call them for the next several weeks, never able to reach anyone. I mailed in the payment to the address on the statement, it took them 45 days to credit my account. I mail my payments in and they hold them until it's past the due date so it accumulates late fees. Now they are returning the checks and say I have to pay a minimum to reinstate my mortgage. Trying to get ahold of them to figure this out has been unsuccessful and I feel like they are trying to force me into a foreclosure or refinancy/modification situation to up their profits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home loan and closed on XX/XX/21. My escrow refund was to be issued within 20 business days. As of XX/XX/21, the escrow refund of {$3500.00} has not been received. I sent numerous online messages XXXX to end of XXXX. I reached out XXXX and received a response from Loan Care, LLC, as a result. I spoke to a representative on XX/XX/21 and was informed a check was issued on XX/XX/21. I requested the issued check be cancelled and another check issued via Priority Mail. I was told this would take additional time and a customer representative would reach out to me. As of XX/XX/21, I am once again unable to reach a live representative to direct my follow-up inquiry to.

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 2020-12-15
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020, I entered into a debt settlement agreement with Citibank Searscard, and a payment plan was set up. I never received a written settlement agreement from Citibank, and Citibank states they mailed one, which I never received, and they can not provide me with a copy. Therefore, I can not send payments and close the 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 2020-02-07
Company: EQUIFAX, INC.
State: CA
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 It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$100.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: WELLS FARGO & COMPANY
State: TX
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:
I have noticed my payments with Wells Fargo were not completely reported to XXXX. 
I wrote Wells Fargo a letter in regards of the problem. I received a respond from Wells Fargo and it stated, that the information was sent to the consumer credit agency was accurate. I called XXXX to informed about the respond I had from Wells Fargo. XXXX keeps telling me to call Wells Fargo. But when I called Wells Fargo I was told XXXX needs to fix it.

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 2018-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX  promptly removed the inaccurate entry from my credit reports and sent an updated copy. However, Experian said they verified the entry with XXXX XXXX and it was certified as accurate by them. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have had no response from XXXX XXXX and under credit reporting law the period for them to respond has elapsed. I sent Experian a letter, via tracked priority mail, along with a copy of the dispute letter that was sent to XXXX XXXX and informed Experian that no response was received from the company that supposedly certified the entry was accurate. Experian responded by placing a fraud alert on my credit report, this was never requested. Then in one day they sent back a letter saying they had investigated and once again the XXXX XXXX  certified the entry as being accurate on my credit report. Obviously Experian used the previous certification, if Experian ever even asked for one, of the entry as even the " provider of the information '' can not provide any backup information regarding this entry. Experian must feel it is less costly to not properly investigate the inaccurate entry on the credit report than to follow Federal Law stating that credit reports must be 100 % accurate and that unverifiable data must be removed.

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 2019-04-17
Company: EQUIFAX, INC.
State: CA
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:
Equifax would rather play games and semantics than to just fix my Identity Theft Problem. I have attached their response to my letter ( also attached ) which includes an Identity Theft Report from the FTC. They need to delete the items right away or face violations under the FCRA. I don't know why I must spend so many countless hours trying to get this company to correct the mistakes on my credit report, which I have clearly shown in the attached. 

cc : XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
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: Reporting company used your report improperly

Complaint:
XX/XX/2021 I was using a app called XXXX XXXX just anxious to see what was on my credit profile and to see just what these agencies are reporting.The XXXX XXXX app reported a lot of miss information that was incorrect and had no permissions to display or furnish any of my information without my natural scent, including Experian. I made a call to XXXX XXXX and they advised me their information and data comes from other third party debt collection agencies like experian. 

XXXX I informed the collection reporting agency in a certified letter that I the consumer was violated over 30 times in a spand of time of short time. I looked farther and i find violations after violation. After Experian found that I knew about the violations they quickly removed all 30 but the damaged was already done, and for some time. 
This made me look into any and everything. I was denied credit extensions due to the damages caused on my consumer credit report, and will be seeking damages for the breach of my personal information, and along with all FCRA and FDCPA. 

Please check your personal information profiles these companies will invade in your personal life and privacy. I hope I get results whos on our side. Will keep you updated

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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After reviewing my credit report ( see attached ), I noticed accounts on my credit report that were inserted without my knowledge. XXXX XXXX, via Transunion, placed several collection accounts on my report and never sent a dunning letter or any other notification of the alleged debt as the FDCPA mandates. 

I have never did any business with this company nor have I ever heard of them. To that end, I communicated in writing to XXXX XXXX in XXXX 2017 ( see attached ), seeking that they validate the debt they are stating I owe them ( see attached letters ). 

As of today, based on the tracking information provided, the dispute letter I sent them is being returned to me. The address Transunion provides on my credit report is where the letter was sent, yet it was undeliverable. How then is this dispute valid if the company did not collect its mail or has gone out of business? What method of verification did Transunion utilize prior to allowing this company to place these inaccurate, unverifiable items on my report? I have also submitted a letter to Transunion disputing the validity of these inaccurate, erroneous, and unverifiable accounts and I am yet to hear from them. 

I took an additional step and contacted your bureau ( the  Consumer Financial Protection Bureau ) ( see attached ), you responded that you have been unable to contact this company and alluded that this company may be non-existent. Therefore, I am making my FINAL REQUEST for Transunion to DELETE these inaccurate, unverifiable entries reflected on my report. 

These items are in direct violation of my consumer rights and should be DELETED 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 2019-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX year old XXXX  father deposited a check from another bank - an investment account - to his Bank of America checking account. The investment account requires my father to verify the authenticity of the check. Bank of America rejected the deposit because his signature was shaky - due to his age. They did not call him or communication in any way with him but reversed the deposit from his account and then wrote him a letter, which he received EIGHT days later. He wrote many checks on the Bank of America account after he deposited the money on reliance of the deposit. 

The night my father received a letter I spent over two hours on the telephone with Bank of America. They refused to resolve this matter other than to say he had to bring a new check into the bank and hopefully it would not be rejected. I explained over and over to them t that the closest bank is not accessible for him and he could not get someone to do it for him tomorrow - we are concerned that the checks he had written were going to bounce causing him significant embarrassment and hassle. He just came out of 5 hospitalizations over the last 3 months. 

List of problems and refusals to help : 1. Rejected a deposit without any communication with the customer. 
2. Refused to redeposit the check once it was verified that it was written by the customer. 
3. Refused to stop any rejection of checks written on the account. 
4. Refused to have a manager with authority to handle the situation come to phone to address the situation or handle it prior to noon the next day. 
5. Refused to contact the fraud department ( department who rejected the deposit ) by email, phone or fax to advise them of the problem. 
6. Refused to have any communication with anyone before noon eastern standard time. 

As an additional problem, the first customer service person refused to validate his account with him any way other than by text. My father does not know how to use a microwave let alone text - he does not even have a smart phone. I did not realize that being old disqualified one from service at this bank.

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 2017-12-04
Company: EQUIFAX, INC.
State: MD
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 was signed up for direct debit and all of a sudden they took me out with out notifying me and when I kept calling and trying to log in online the password would not work I kept reporting it no one would help me and now my credit has dropped over 90 points while I am in the process of trying to buy a home. I have tried to get help and I have tried to have them remove this off my credit with out a reply, like all the other times I was trying to get help before it was to late. This company is a scam and they have ruined my life and credit.

Company response to consumer: Closed with explanation