BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Early XX/XX/XXXX, I contacted Bank of America ( ) regarding a utility payment that kept getting returned. The payment would post to my account, only to disappear within 24 hours.Per Bank of America, a stop payment was issued over three years ago which was causing the error. The BOA representative was supposed to remove the stop payment. As of XX/XX/XXXX, and two payments later to the utility company, the stop payment has NOT been removed.As a result, I have been charged EFT fees in the amount of {$30.00} that I'm requesting BOA reimburse me. 

I called BOA on XX/XX/XXXX, and when I explained to XXXX in West Virginia, my issue, he preceded to place me on hold, then he hung up - figures. Typical BOA behavior. I have attached one bill to reflect return payment of {$250.00} and fee. Another payment of {$360.00} will be returned too which hasnt posted to the utility account as of today, XX/XX/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 2018-04-20
Company: Credit Karma, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit Karma advertisers that you can check your credit report for free and this does not affect your credit score. I received a letter from XXXX who ran my credit history and they sent me a copy of my credit history which is showing among the negative history Two incidents list of credit inquiry. Their commercial is false and misleading. I went to Credit Karma online and did in fact notice the credit inquiries and also learned that these inquiries stay in my history for 2 years. Discovering this, I believe that these inquiries are in fact affecting my credit score and therefore is contrary to credit Karma 's advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX  and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2020-10-11
Company: AXOS FINANCIAL, INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
order placed with XXXXXXXX on XX/XX/2020. Merchandise was never received. contacted XXXX via chat XX/XX/2020 and advised Merchandise was never delivered nor signed for as stated adult signature REQUIRED. XXXX chat agent told me the driver just left it at my front door. I advised them nothing was left at my door as I have security cameras. then they advised me maybe it was misdelivered to a neighbor etc. and to check with them I declined. as that is not my responsibility and for my safety, I do not associate with any of my neighbors we do not get along. the agent said she completely understands that and asked if I would like a replacement or refund. I said a refund. they advised me they have issued me a full refund for the order. after not receiving a refund show up by XX/XX/2020 I decided to dispute the transaction with my financial institution ( Axos Bank ) Axos Advised me by email on XX/XX/2020 I will get a provisional credit for the full amount of the transaction and have use of the funds until the outcome of the investigation. within 1.5 hours of that email, I receive a second email stating they have concluded the investigation and the claim is being denied as they have found no error has occurred. I then miss a call from AxosBank within an hour of that email. I call them back and ask what is going on with the Account and transaction as I have noticed I am unable to login to online banking. I was advised by " XXXX '' that it is temporary and only will be for a few hours while they work on the disputed charge. witch sounded very sketcky with me but I said alright. However i told her the email i got said the case is close and has been denied. I requested a manager/supervisor to esclatete this case. nobody followed up with me I then sent them a email for request of the documents and how they concluded no error has occured. I got a call from axos and was advised there is no documents he called XXXX and somebody by the name of XXXX told him there is no error with the order. the product was delieverd to my house. the claim is denied. I asked for proof of any of this none was and will not be provided to me. he then told me they wiont have any documents unless they submit the chargeback to XXXX and they will not be doing that. he advised me I need to contact XXXX to correct the problem. They also at that same time ended the banking relationship with me. I have then contacted XXXX AGAIN via chat support. on XX/XX/2020 a XXXX XXXX told me XXXX did process the refund and I will be recieving it before XX/XX/2020 I am unable to verify the validity of this as AxosBank has restricted my online account access and is ignoring my requests to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX had filed a collection on my credit profiles for service and devices which were paid in full and the device returned in good working order at one of their retail locations. I've disputed this and given details on several occasions however they have sold the debt to a collection company who refuses to remove the false claims. This has been disastrous to my life as I've been unable to refinance my home during this pandemic to provide financial relief. I've tried to contact the company directly via telephone messages and emails through their website many times and get no response at all. I'm so frustrated at this blatant fraudulent claim with no accountability and response yet I don't have the resources to sue them to remove it. Please help. 
The account is now with Credence Resource Management, XXXX, in the amount of {$2.00} XXXX, none of which is legitimate and they simply will not respond to any attempts to reach them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other 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. My official complaint is against ENHANCED RECOVERY CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi on the i sent XXXX Ethereum from my digital wallet on XXXX  to the ether wallet on my account on XXXX. It still hasn't shown up and i have been sending daily Emails asking for help as this is XXXX worth of aud and pretty much all my savings. XXXX has been great helping with proof of the successful transaction, which i have offered to provide to coinbase on multiple occasions but still no response. I have also tried calling there American number but i can never get through and this is costing me a lot of money each attempt as i live in XXXX. I am desperate and this is heavily effecting my mental health, and just can't understand the lack of support from such a big company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
All the charges I have paid for Coinbase within the last month and beginning of this month, has been charged to my bank account twice.That is absolutely absurd and uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 camera lens for {$860.00} that was falsely advertised from XXXX XXXX using a Capital One credit card through XXXX on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to resolve my issue with the falsely represented product I was sold, but they did not provide an acceptable solution On XX/XX/XXXX, I called Capital One, and they recommended that I open a dispute claim through XXXX, and I did. On XX/XX/XXXX, XXXX informed me I would be eligible for a refund if I returned the item before XX/XX/XXXX, but I  would have to pay for return shipping and may be eligible for reimbursement. When I called XXXX and told them this was not satisfactory, and I wanted shipping paid upfront by seller, they suggested I open a claim with Capital One, which I did. Capital One opened up a dispute claim and requested a number of documents to support my claim, which I forwarded on a number of occasions from the end of XX/XX/XXXX to early XX/XX/XXXX. During this time I reached an agreement with the seller in which it provided shipping cost upfront, and I returned the lens -- seller confirmed receipt on XX/XX/XXXX. However, both XXXX and Capital One are refusing to give me a refund. Capital One claims I did not provide requested documentation, which is irrelevant not that the item is returned, but also will not provide anything in writing to explain how my submissions were insufficient or how that relates to their refusal to refund my money after returning the merchandise. XXXX refuses to do anything without notification from Capital One that the dispute is resolved, and Capital One refuses to provide such notification. One or the other or both are holding my refund and refusing to cite a valid reason to justify their refusal to refund my money after I have returned the merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company named portfolio recovery has placed a derogatory mark on my XXXX   credit report for a second time for a account with XXXX XXXX that I successfully disputed as a identity theft. They waited almost a year to re-add the derogatory mark and are once again attempting to seek {$550.00} for a debt that was established as a identity theft through a dispute with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions Inc.
State: AZ
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 disputed the following accounts multiple times, but they are still reporting. They came back as verified, but I did not receive proper documentation stating who they spoke with, and what documents were provided to validate I am responsible for the accounts, showing my signature. I have attached a document showing XXXX  has deleted the accounts in question. 

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 2019-01-03
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I already filed a complaint and feedback. I am not satisfied with the Servicer 's response and I want a re-file and continuation of the complaint as they have not addressed the root of the issue! Please see my feedback in your system and open a continuance of my initial complaint. 
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 2021-09-03
Company: Experian Information Solutions Inc.
State: IL
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:
There is an old debt of mine still showing up on my Experian credit report as a derogatory account, however I have disputed this several times over the past two years and shown hard evidence of the account being settled satisfactorily.

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 2019-01-03
Company: Credit Karma, LLC
State: MS
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:
I keep reporting the same issues every month with the improper use of my credit score. You continue to allow these people to fraudulently use my information. Changing my credit score to XXXX to XXXX Ill be getting a lawyer. I no who is responsible I promise it will stop. One I get legal proof Ill go from there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: JPMORGAN CHASE & CO.
State: AZ
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:
XX/XX/XXXX I made a purchase with my Chase Credit card that I was not happy with, I attempted to resolve the issue with the merchant 3 times requesting an exchange before contacting Chase to start a dispute on XX/XX/2020. My call was made on XX/XX/2020 at XXXX. I was told during the call that Chase would not file a dispute since I still had the original items purchased with the card. ( What a catch-22, I want an exchange, but can't get an exchange and can't file a dispute because I couldn't get an exchange ) I was also told I couldn't file a dispute because the phrase " We reserve the right to limit guarantee at our discretion '' was included in their return policy. So basically if you bank with Chase you can get scammed as long as you tell people your guarantee can be limited based on discretion. I was on the phone for 25 minutes while the call cut in and out and eventually asked to speak to a supervisor since I have been though the dispute process with other banking institutions before and was familiar with the process and had in my mind followed procedure before being left with the dispute process as a last resort. I was put on hold to wait for a supervisor. The supervisor arrived, and then immediately hung up. I am in complete disbelieve that Chase would so brazenly deny American consumers the a ) the ability to dispute a credit card charge and b ) the ability to speak to someone about possible resolutions. I wasn't even trying to refund a whole charge, it was a partial dispute of a receipt for a single item on the receipt so it was obvious that it was a well intended dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX. In XX/XX/ I notice that someone had done several withdrawals from my checking account funds were missing I call to make a compliant spoke to XXXX from chase bank in XXXX then received a letter that no errors had occurred I request that my funds be restored ... thank you. Date XXXX ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
False information being reported On my credit I never been here or used this company for Anything dont know how they are able by law to use my SS NUMBER this is fraudulent and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Nationwide Debt Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a debt from XX/XX/2011in which I returned a vehicle because I could no longer pay XXXX XXXX because the car was a lemon but I continued to pay for it until it broke down and I returned it to company voluntary. It was Sold to this company XXXX XXXX XXXX XXXX  who harassed me in the past stating I owed them XXXX. Because car didn't sell at auction for a good price and I had to pay balance. I bought the car for XXXX and had for over 3 years before giving it back. I did not owe what they're saying and had been paying them for 4 years XXXX a month and they are still saying I owe XXXX with crazy finance charges. I have never been given documents regarding the sell of vehicle or what was owed from sell. My understanding the original company write it off as bad debt and this company bought it. I don't believe I owe them that amount. The statute of limitations has long passed because it's a debt the last payment made to the original company was XX/XX/2011. I have asked them to stop calling my job and they continue to harass and leave messages with my coworkers and main answer in machine. I would like to be contacted by mail with proof I really owe them after being harassed to pay them for the last four years but never got proof it's legit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made 3 payments of {$420.00} each on the due dates for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The website showed most of the payments each month went toward principal, however I called XXXX today because the dashboard was confusing - indicating my payment of {$100.00} was not due until XX/XX/XXXX ( skipping XX/XX/XXXX payment ). According to the Rep and Manager, their computer did not show any pay-down on principal. Rather, it showed only paid-ahead status and told me that I should've called to ask them to apply the over-payments in a specific way. In no way or form was it ever communicated to me that I needed to do this extra step ( and each month going forward! ). Also, it is extremely misleading to show a pay-down on principal only to be inaccurate when I called. A normal and reasonable consumer would think the website is accurate and continue making payments, which is what I did until today ( via AutoPay ). 

For example, my {$420.00} payment for XX/XX/XXXX showed {$300.00} to principal and {$110.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. 

The manager attempted to fudge the simple interest loan information and claim that I did not know what I was talking about and it did not matter whether I paid in XX/XX/XXXXor all now, the benefit would be the same. This is clearly not the case because if the remaining principal was lower in XX/XX/XXXX, I would've owed less interest for the XX/XX/XXXX payment, and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation