BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On bank of Americas XXXX prepaid card services, in there terms and conditions it states this : Emergency Cash Transfers. You may obtain cash at a XXXX XXXX location in the United States ( Emergency Cash Transfer ). All Emergency Cash Transfer requests must be initiated through the Bank of America California XXXX XXXX Department XXXX XXXX XXXX XXXX ( the " Service Center '' ). All requests for Emergency Cash Transfers are subject to the Emergency Cash Transfer Fees stated in the Fee Disclosure. All requests for Emergency Cash Transfers are subject to XXXX XXXX guidelines which could vary by state and could include certain dollar limits, identification requirements and other restrictions. If you request an Emergency Cash Transfer, you agree that we have no liability for any losses or damages that you may suffer arising out of any action, non-action or delayed action on the part of XXXX XXXX or its agents or any other third party. 

I called the, twice on XXXX XXXX  2020. First person said my account isnt eligible for this because my card has been mailed, I hung up, the second person said they dont offer this anymore, Im waiting on my new card but also have an available balance of {$10000.00} and they are telling me this isnt available to customers any more, but yet they Still have it on there website. My name is XXXX XXXX. I tried to talk to a manager and they told me they dont have anyone higher up, or anyone else for that matter I can speak to, and theres just nothing they can do except for have a manager call me back in 72 hours! This is crazy. I needed this money now, as it is my unemployment Ive been waiting for almost 5 months for. Im so frustrated that they cant let me talk to an actual person who can make something happen. I should be able to get my money somehow, even if it was to let me go into a bank branch or they make a money transfer to my other bank account. I need to feed my kids, yet I cant because they wont let me access my money unless my new card has came.

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 2018-05-07
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
Experian keeps reporting 2 Bankruptcies on my credit, I have called them and my attorney has written them a letter that this information is invalid along with supporting documentation. They refuse to supply where they are getting the information because they claim its from the bankruptcy court on my report but they told me they did not report to them and this information is invalid I have NEVER filed bankruptcy. Why will they not supply me with the real source of their information. This is a violation of the fair credit reporting act. I have been fighting this for months and they refuse to really give me any valid proof or documentation I have requested of why this is on my report, it does not match the other agencies reporting???

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 2020-12-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two checking accounts were opened in my name without authorization. 
The first one received a direct deposit on XX/XX/ ( {$300.00} ) and the second received funds on XXXX ( {$500.00} ). 

I contacted Chase Bank, XXXX and police department to report the incidents. I also contacted the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my 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 2018-05-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX is showing 3 late payments on report. There are no late payments on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: Klarna AB
State: MD
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:
Please see correspondence to Klarna below : I made a purchase at XXXX XXXX/XXXX  online for {$370.00} using a Klarna one-time card. Of this I paid {$65.00} up front. 

I returned this item ( green circled item on receipt ), along with 2 other items purchased at XXXX XXXX ( see the receipt attached ). XXXX XXXX returned the ENTIRE return to the one-time use Klarna card ending in XXXX ( see the red circled area on the receipt. ) even though the other 2 returned items were originally paid with my private debit card. 

Please advise what you all have done with the excess {$120.00} that was refunded to your one-time use card. XXXX XXXX is unable to produce any further transactions because the money has now been released to that Klarna card. 

Please note I have contacted Klarna twice previously ( via chat and phone ) and was advised to email this picture as proof that Klarna was the recipient of these excess funds. 

Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter to Capital One on XX/XX/XXXX with a USPS Tracking # of ( XXXX XXXX XXXX XXXX XXXX ) which they received on XX/XX/XXXX. In the letter I asked them to validate a debt being reported on my credit bureau report according the the Fair Debt Collection Practices Act. However I never received a response of them validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: AES/PHEAA
State: MO
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:
Whether my employer qualifies for PSLF. The attached document refers to the prior SEVEN " 7 '' complaints that have not been resolved. This is not a duplicate and should not be dismissed. The last complaint was dismissed as a duplicate. PLEASE ADDRESS my detailed complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I turned in the leased vehicle in late XX/XX/XXXX. Through the lease term, all payments were made timely by auto draft. In late XX/XX/XXXX GM Financial sent me the final billing which included damages noted in the inspection ( inaccurate ), a disposition fee ( per the contract ) and sales tax on the disposition fee. I called to dispute the damages, which was really tire wear. The rep adjusted the charge off because I had paid a damage waiver premium. I also advised her that it California, sales tax is not applicable on a lease disposition fee, referring her to the proper section of the California Revenue and Taxation Code. She referred me to GM Financial Legal, advising me to write my complaint and fax it to them. I did so on XX/XX/XXXX. I remitted the lease disposition fee, without tax, and received no further word From GM Financial. I believed the matter settled. 

Recently I attempted to refinance my home and discovered that GM financial reported me late, 3 times, each in excess of 30 days. A rather serious blemish on my otherwise perfect credit history. On XX/XX/XXXX I called GM Financial in an attempt to clear the matter. The rep was insulting and unhelpful and referred me to the Fax communication only Legal Department. I remitted another fax asking to correct their error. I disputed with the credit reporting agencies as well, but seemingly GM Financial refuses to rectify the matter or respond to communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: Navient Solutions, LLC.
State: MO
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:
Back in 2001 I went to XXXX XXXX XXXX, I was taking computer classes I was there for three months and the loan company is still charging me XXXX which is the total ofthe whole year of college I was only there for three months. navient calls me to make payments. I'm on full XXXX due to XXXX  and XXXX. I tried to work with them and they won't help and I can't afford XXXX 's. I also don't feel that it's fair for me to pay the full amount then I wasn't there for the whole year of education I never got. Like I said I was only there for 3 months what do I do.? The other thing is 2 weeks ago someone called claiming they work for several attourny 's that are suing on class action to get rid of loans people were duped on like me. It has distroyed my credit for many years and still is. I can not pay and refuse to pay the full amount of a college loan. I can not afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank Name : Wells Fargo Bank Claim Number : XXXX Issue : Multiple Fraudulent Charges on my Business Debit Card On XX/XX/2021 I placed multiple calls informing Wells Fargo Bank of fraudulent charges on my Bank Account. I filed a claim with the agent on the phone regarding the fraudulent charges on my Bank Account for over $ XXXX The claim number is XXXX. 

My Cellphone & Debit Card was stolen the previous day XX/XX/2021 and multiple fraudulent transactions were made on my Bank Account. 

I immediately locked my Bank Account as soon as I noticed the fraudulent transactions and also went ahead to file a report with my Bank informing them of the Fraudulent charges. 

As noted by Wells Fargo there's a {$0.00} liability charge for fraudulent charges made on a Debit Card. 

Since I didn't make those charges I'm asking that Wells Fargo reimburse me my money totaling over $ XXXX back to my Bank Account XXXX 

So far Wells Fargo has refused to reimburse me my money back to my Bank Account. 

Instead Wells Fargo is trying to pass unto the customer the liability resulting as a result of a stolen debit card resulting in multiple fraudulent transactions on my Bank Account. 

I'm now asking that the Consumer Financial Protection Bureau intervene and enable me recover my funds totaling over $ XXXX from Wells Fargo XXXX 

If the office of the Consumer Financial Protection Bureau is unable to assist me, I'll be taking Wells Fargo to a small claims court to recover my stolen funds.

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: 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 belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING FRAUDULENT ACCOUNTS WITHIN 4 BUSINESS DAYS OR LEGAL MATTERS WILL TAKE PLACE.

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

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 2021-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America refuses to return my money even after I showed them that the check that was use on an ATM to withdrawn cash in another state has handwriting and signature that does not match mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am a victim of identity theft. I am demanding immediate removal of the accounts and inquiries listed on this complaint. XXXX, XXXX and Transunion are in direct violation of 15 US. Code 1692 ( e ) False and misleading representation which has harmed my reputation and ability to be to obtain credit and conduct business.

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 2020-07-29
Company: AMERICAN EXPRESS COMPANY
State: FL
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 bought a XXXX ticket on XX/XX/2020 for {$110.00} reference : XXXX On XX/XX/XXXX, the ticket XXXX was canceled due to COVID-19 and XXXX XXXX was provided. 

I used the XXXX XXXX  to buy a second ticket XXXX which was also canceled on XXXX DUE to XXXX as well. 

Few points : 1. Since XXXX Canceled the tickets, why can't I get my money back?? 
2. Between XXXX and XXXX, XXXX had NO FLIGHTS for me to use the credit which expired on XXXX. 
3. Amex always support big corporations in disputes.. very sad!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX placed an account for collection, with XXXX ( Perfect Collection ). I have never done business with XXXX and have never signed or co signed any documents with XXXX. I received a letter from XXXX dated XX/XX/XXXX. The letter listed my name first and the name of my son below mine. My son passed away last XXXX, so I cant ask him about this debt. I spoke with my daughter in law and she told me XXXX asked for the name and address of the closest relative. My son gave them my information, along with his father in laws information. His in laws have not received any letter from XXXX. I called XXXX and told them this was not my debt. I asked to ask XXXX to produce any document with my signature, or any recording by me authorizing this debt. I disputed this debt with XXXX and XXXX without a positive resolution. They have not produced any documents as requested. XXXX solution to this is to sue my son for fraud. He is not here to defend himself, and I question XXXX business practices. Why would they hold me responsible for a debt I never initiated or authorized. Everyone gives me a standard answer without using common sense or without investigation. Please help. I dont know where else to turn to. My credit is being effected. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased tickets to an event from a company called XXXX, I immediately learned that the tickets for the event were not available until the following day. A XXXX search revealed multiple complaints about this company, stating that the tickets are not real and that the company is a scam. I called my credit card company, Capital One, and immediately reported these findings. They told me to file a fraud complaint and to cancel my card. They removed the charge and sent me a new card. A few weeks later, they put the charge back on my card. When I called, they said that this was not fraud and instead that I needed to file a dispute. I filed the complaint, the charge was removed for a few weeks and then was put back onto my account on XX/XX/2021. The company has not sent me tickets. They have sent a link in an email stating that if I click on the link, that I agree to their terms and services and will then receive my tickets. I have not clicked on the link or agreed to their terms and services. I have responded to the email requesting that the order be cancelled and they responded that I can not cancel it as I have already agreed to the terms and services, which I have not. They offered to let me sell the tickets through their site.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
Company: Village Capital & Investment LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have received a statement from Village Capital and Investment indicating there is a XXXX fee. The company indicated they dont know what it is for, but advised it is from the previous loan processing company, XXXX XXXX. Village Capital has been the loan processing company for over a year, and they advised they are unsure what the fee is for, and I could just disregard although it is on my XX/XX/XXXX statement. I spoke with a representative named XXXX at Village Capital and Investments on XX/XX/XXXX at XXXX CST, reference number 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 2020-09-02
Company: VALLEY CREDIT SERVICES, INC. (WI)
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
they claim my hospital bill was not paid. i got a copy of my bill from XXXX XXXX XXXX and the bill say XXXX owe. This is a charge off debit. When i checked the company address it is different from website plus a p.o. box address. I had medical insurance which the bill was sumbitted to XXXX and Valley Credit Service refuse to take it of my credit report. The name the bill is from is XXXX XXXX XXXX. XXXX  XXXX XXXX, md XXXX for hospital say on XXXX to XXXX billing me for XXXX. Since my dispute they have changed there address to XXXX XXXX XXXX XXXX, va XXXX phone number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
XXXX. ) The Cares Act signed into Law XX/XX/XXXX States that Student Loan Servicers can not report late from XX/XX/XXXX and XX/XX/XXXX 2021

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