BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I login to my account I recieve the error message, " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I have tried contacting them by phone, email and have not been able to get through. I have waited on hold for 2 hours or more on multiple occasions. I have requested call backs and have not received them. I am unable to set up auto pay or determine when my first payment is due. I am worried I will miss a payment and be penalized. I am also worried I will accrue unnecessary interest and have a delay to my loan forgiveness. 

My loans are still showing on myfedstudent aid. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: DISCOVER BANK
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
From approximately, XXXX, charges were made on my account on did not authorize. I have been disputing these charges for approximately 9 months now. 1 ) Company has refused to block the merchant until recently - doing so would have saved me additional 6 months of charges to my account equally of about {$90.00}. 2 ) company has refused to cancel the card and issue a new card stating " that they were reoccurring charges and they would still follow my account ''. Charges I have been disputing for approximately 9 MONTHS NOW! BIG 3 CC COMPANIES - XXXX HAVE DONE SO WITHOUT A PROBLEM. 3 ) Discover states they are only allowed to go back 4 months per agreement with??? Failed, refused, and ignored my request for PROOF OF SUCH AGREEMNT stating so either by Statute/Law/Regulation/Member Service Agreement in effect. To date I have been charged approximately {$240.00} for something I did not ever agree to, and I am only getting {$60.00} refunded. This is astounding, ridiculous, sloppy, and unprofessional. This could have ceased long ago. Discover takes no accountable or responsibility for what they failed to do, when they were notified of a problem on the onset. 

In addition, an investigation needs to be conducted as to why : 1 ) A consumer can not freeze their account. 2 ) Why a merchant can not be blocked from charging an account. 3 ) Why a card can not be cancelled and a new card issued. 4 ) why charges continue to follow and account even when its disputed or a card cancelled. 5 ) Why a company can refuse to provide proof of either Statute/Law/Regulation/Member Service Agreement in when challenging a company regarding a policy, especially one challenging a " 4 month '' rule for disputing charges for a longer duration. This is absurd and unheard of. I challenged this with XXXX and they lost. Charges going back longer than a year have been disputed and overturned because I won their challenge!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, TransUnion and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.

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 2023-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A macy card was open in my name and I did not open a Macy 's 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 2020-03-04
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2020, U.S. BANK Located on XXXX XXXX XXXX , XXXX, IL XXXX, Shut down my account and held over {$4000.00} in the account for absolutely no reason, they gave me a numbber, her name is XXXX, i don't know what she does but all i was given is a phone number : XXXX, when i called her, she said, OH you sent money thru the account and received money, sorry but we're shutting down your account, that was ALL, no reason at all, they have caused me financial damages right now unable to pay bills on time and many other problems, and they're refusing to hand me my money, they said it will probably take months for you to be able to get them, please i need help

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 2018-08-13
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from " Unknown Caller '' Stating the I am going to be summons to court if I don't pay a debt to USBANK of {$760.00} from a checking account that has been closed since 2009. They stated they were a litigation subcontractor for XXXX XXXX XXXX. They would never give me the name of the there company but gave me the address. 
XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX. 
Spoke with XXXX but she would not give me her last name. This company has called at least 10 relatives to tell them that I have a summons against me. I spoke with USBANK and they have no record of debt to my checking, savings, or my unsecured loan which all have a {$0.00} balance. XXXX also, said that I have until the end of day to satisfy payment. I think this is another scam that is trying to make people pay debt that doesn't exist. Please help me crack these people and put them in there place.

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 2022-02-28
Company: JPMORGAN CHASE & CO.
State: MD
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 had disputed amounts charged to me by an entity known as XXXX XXXXXXXX in on XX/XX/2018 for {$560.00} and {$430.00} on my Chase credit card. Long story short, after much back and forth for almost a year, Chase told me they closed out the case and told me I was responsible for the charges. Even after I had provided them evidence of the company being fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: CITIBANK, N.A.
State: VA
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:
This complaint is regarding CITI Card. The reason for the complaint is that they have a ONE-SIDED merchant dispute for us, ongoing since XX/XX/XXXX and now it appears that they are going to continue to accept - forced and not legally obligated swipes of $ XXXX/ month again in XX/XX/XXXX to a Network that we are not receiving anything from, XXXX XXXX XXXX XXXX. ( A home based business- A one - man shop -- that is not properly registered with an EIN for Tax payments to the IRS ). 

Please let CITI Card know, that we have no problem paying for a service if we use the service, and if we are obligated by contract. 

We are very surprised and angry to learn today, XX/XX/XXXX that after reporting to our CITI CARD ( XXXX XXXX, RE : Purchases to " XXXX XXXX XXXX XXXX '' originally authorized as an optional service, monthly, as needed on a card that ends in - XXXX however the merchant has been forcing charges on us without me actually typing in a card number under the re-assigned card number for the same visa that ends in - XXXX. ( This is suspicious because the Merchant, XXXX XXXX XXXX   XXXX is force-billing us without us presenting or typing in our visa card number, to prove that we are making a purchase. The Company 's Terms of Use Terms of Service are attached!

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 2018-04-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I contacted Wells Fargo via email about the amount of my mortgage payment which increased from {$1500.00} to {$1600.00}. I received a call from XXXX who said she would research what happen. I received a letter from Wells Fargo detailing my XXXX property taxes will be {$6000.00}. I also received letter directly from XXXX stating she would call me on XX/XX/XXXX to provide me with a response. I wrote a follow up email on XX/XX/XXXX stating my XXXX property taxes is actually {$4700.00} and not {$6000.00}. On XX/XX/XXXX, I called since I haven't received an update. The rep stated XXXX called me twice on XX/XX/XXXX. I answered my phone all day XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly spam calls since I did not know her number. So the rep said XXXX had sent me out a letter on XX/XX/XXXX with the resolution. As she read the letter it was the same information stating my property taxes is {$6000.00}. I asked the rep could this get escalated and she said she would contact XXXX and copy her manager. After thinking about last week and receiving no call back, I decided to file this complaint.

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 2023-09-28
Company: Affirm Holdings, Inc
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IAM still not satisfied with the companys results XXXX form affirm.up to one point on the reply to the outcome was correct I agree with their terms and conditions.but they never notified me regarding my payment was not successful.i would not let my credit report drop XXXX points for XXXX XXXX payment.so i will like to see this dispute .also ween i call them and. Make the full payment I explained to them but they where verry nasty and not helpful at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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: Problem with personal statement of dispute

Complaint:
Capital One I reporting a debt on my credit report. When I reached out to the collection company for information on the debt, I was told that it was transferred to XXXXXXXX XXXX XXXXXXXX for collection. I've been calling this company since XXXX and the representatives keep reading a script that says they can not access my account and to call in a few days ; it's been almost 4 months. 
I called Capital One directly to get the information and was told they've been getting multiple calls about the old collection company not transferring the information to the new collection company. Capital One said they would escalate by calling the old company and ask them to expedite my file transfer. They asked me to call the new collection agency in a week and they should have the file. I've called multiple times, including today ( XX/XX/2022 ) and was told they still can not access my file. 
I have disputed with all 3 agencies because I am not able to get any information to confirm the account or resolve the balance. The bureaus have updated the account saying it was verified by Capital One, but Capital One claims they dont have any info to share with me and I can only contact the collection agency. Meanwhile, it continues to affect my credit rating and ability to obtain credit. If I am not able to get info to confirm and/or resolve, it should be deleted from my report until I can. This is unfair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I totaled my used XXXX XXXX on XX/XX/XXXX which was/is financed through Carmax Auto Finance XXXX My car insurance is through XXXX. 

The vehicle was declared a total loss and after contacting Carmax for the payoff on XXXX XXXX issued Carmax the full payoff for {$34000.00} and XXXX issued me the remaining {$20000.00} for my loss settlement. 

Carmax claimed they never got the check so we sent it again on XX/XX/XXXX for {$34000.00}. 

In the mean time I paid CARMAX for XXXX and XXXX payments of {$680.00}. 

Both XXXX and myself has called carmax a plethora of times between XXXX, XXXX and XXXX as I want this loan/credit trade line removed from my credit report so my score updates. 

Throughout multiple conversations with multiple representatives they told me I'd be getting a refund for my warranty and GAP insurance and advised me to turn off auto pay since they are not reporting to the credit agencies anymore. 

They did not cash the second check sent to them all of XXXX so XXXX contacted them and they told us we had overpaid that's why the checks kept not going through from XXXX to Carmax. After XXXX received the updated payoff from Carmax ... a third check was cut to Carmax Auto Finance from XXXX on XX/XX/XXXX for {$30000.00}. XXXX on XX/XX/XXXX then issued me the difference of {$4300.00}. 

Carmax Auto Finance then mailed ME a check for XXXX in the middle of XX/XX/XXXX?? 

The last time I called them was on XX/XX/XXXX where none of the representatives still have an answer. They claim they are still trying to reconcile the account and something was looking off where it shows I still owe roughly XXXX. There is NO REASON there should be this many money exchanges ... or this account still hasn't been fully closed. No one at Carmax ever has an answer and earlier this month they said they are " still working on it '' and someone would call me. Carmax has not called me at all. My insurance claim and account with Carmax are both still open and what is possibly taking them 4 months to close a simple account we have tried to close correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$480.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$960.00} XXXX  XXXX {$380.00} XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from XXXX XXXX XXXX on XXXX XXXX, XXXX  as follows ( my name deleted ) : " New inquiry detected on your credit report XXXX XXXX, We detected a new inquiry on your Experian credit report. A new inquiry occurs when businesses request access to your credit file, for instance when you apply for a credit card or loan. 

Log into your account to view the full details of this alert. From there, you can let us know if you don't recognize the activity and we will contact you to further investigate. '' I logged into my account and found that activity was reported from " XXXX  XXXX XXXX XXXX ''. I have no dealings with this institution. 

I received a similar email from my XXXX card account where I have similar protection. I contacted them and they directed me to Experian. Experian wants a police or FTC report to continue their investigation. FTC website directed me to CFPB. So I am hoping to get a CFPB report that I can pass on to Experian and that this will meet their needs. 

Thank you for any help that you can provide.

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 2022-03-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I wired {$230000.00} USD to XXXX XXXX XXXX XXXX in XXXX. My business banking relationship is with Suntrust Bank which is now Truist. The recipient bank is XXXX in XXXX XXXX but the send thru bank is XXXX XXXXXXXX XXXX. On XX/XX/XXXX I was informed that the transfer was not completed and that the funds were returned. I have been visiting my banking institution every single day since that date because the funds have yet to be credited back into my account. I have spoken to the manager and several other bank associates to no avail. It is now XX/XX/XXXX and the funds are still missing. I feel Truist is not treating this with the utmost urgency and give me the run around each time. I need your assistance in recuperating my money because now they say XXXXk XXXX XXXX ( the send thru bank ) is retaining the funds. The question is why? And why is it taking so long to credit the funds back into the originating 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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion has failed to complete a proper re-investigation into my disputes. I have submitted multiple disputes for the same account over the past few months and the company continues to only state that the account is " updated and verified as accurate ''. H How can an account be verified as accurate when there are obvious inconsistencies being reported. Transunion has violated my FCRA rights and are NOT completing proper investigations. 

How can an account be opened AND be reporting as 120+ days late in the same month? Make it make sense. I have given Transunion ample time to correct this obvious incorrect information and they have chosen to blatantly NOT investigate properly. This account is continuing to cause harm to my consumer credit file based on the negligence of Transunion.

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 2018-08-13
Company: EQUIFAX, 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:
As a result of MULTIPLE previous disputes with Equifax, the XXXX account on my credit report was updated to " included in bankruptcy. '' However, since this bankruptcy was filed on XX/XX/XXXX, the reporting time has expired. FCRA guidelines dictate that accounts included in a Chapter XXXX bankruptcy can only stay on a credit report for 10 years from the date of filing. Therefore, this account should have been COMPLETELY removed on XX/XX/XXXX. However, it is still on my report showing as " included in bankruptcy. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Coinbase and bought Bitcoin on XX/XX/XXXX. 
I did not do much with my account until XX/XX/XXXX, when I sold some of my holdings. Then, in XXXX, I tried to buy some more. But, after repeated efforts on my part and vague unsatisfactory responses from Coinbase, I was notified that, 'due to security reasons ' my transactions were blocked and could not be unblocked. No further reason was given. 
Now, in XX/XX/XXXX, Coinbase sent me an updated agreement. I can not advance in the website without signing the Agreement. I still have some holdings with them. I am not sure if I can sell these. 
I hope you can help me with this problem. 
Thank you.

Company response to consumer: Closed with monetary relief