BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: CITIBANK, N.A.
State: IL
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:
My Citi AAdvantage card was lost and fraudulent charges of XXXX USD were made. I reported the fraud to the credit card immediately and they have not issued a credit to my account for the charges

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 2019-06-23
Company: AES/PHEAA
State: TX
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:
Complaint Summary : I have set up automatic payments with direct deposit with confirmation multiple times via portal and customer service. However, auto-payments haven't continued past 1 month each time, leaving interest compounding without my knowledge XX/XX/XXXX : Direct Deposit approved for automatic monthly {$100.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : I noticed no money has been deposited since XXXX I am told by customer service that my account is fine and that adjusted automatic payments will work now ( XX/XX/XXXX : {$1000.00} paid to catch up {$640.00} goes towards interest ) XX/XX/XXXX : Direct Deposit approved for automatic monthly {$210.00} deposit said to start XX/XX/XXXX XX/XX/XXXX : Successful deposit of {$210.00} XX/XX/XXXX : I noticed no payments were made after XXXX ( XX/XX/XXXX - XX/XX/XXXX : {$1000.00} paid principal only dented by {$170.00} ) Loan Information : Total ( XXXX XXXX ) : {$27000.00} 3.88 % average interest IDR plan approved XX/XX/XXXX XX/XX/XXXX - Loan forbearance ends : + {$2600.00} capitalization XX/XX/XXXX - + {$120.00} capitalization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: OH
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 have been requesting validation of this account XXXX XXXX account # XXXX and METHOD OF VALIDATION since XX/XX/2019. I have yet to get an response about this account. However, it keeps reporting to my credit profile and damaging my credit score.

I'm exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which states I my request " a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency '' Please provide METHOD OF VALIDATION and not investigation through XXXX system or remove this off my credit profile as it has already been over the 30 day window as well. 

I will report this to the Attorney General with CFPB.

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 2020-04-30
Company: ERC
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:
During a routine examination of my Consumer Credit report with TransUnion, I found a new collection account listed as Enhanced Recovery Compan for an alleged XXXX XXXX XXXX debt. On XX/XX/XXXX, I opened a dispute via XXXX  online account page. 

Upon contacting Enhanced Recovery service personally they could not provide me with any information as to the ownership of this account or documentation that it was my debt. They only offered high-pressure tactics to collect the alleged debt. They offered a partial settlement but no proof of ownership. Therefore, I disputed with the three major credit reporting agencies. 

The account was not verified with XXXX and the collection was removed from my consumer report. However, on XX/XX/XXXX I received an email stating that the collection account listed on my report with Transunion has been " verified ''. 

I have been a customer of XXXX XXXX XXXX since XXXX and still maintain an active, current account with active wireless service. XXXX XXXX XXXX shows no bad debt on my account. XXXX XXXX XXXX has drafted my checking account monthly for my monthly invoices and continues to do so. 

I feel like this is extortion. I have never received any notice of collection, any Dunning letter, I am unable to be provided with any proof of this debt being mine. However, without evidence, this bogus account continues to remain on my consumer credit report as if it is factual in turn costing me money in increased interest rates and denial of credit extension. This practice violates the law. Transunion states this debt is verified but can not provide me with any means of verification. I suspect no verification process was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-06-23
Company: Experian Information Solutions Inc.
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:
I sent in a request with all the required information to experian over a month ago and it was completely ignored. im submitting this request again via cfpb

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 2021-10-16
Company: Experian Information Solutions Inc.
State: IL
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:
Ive been a victim of identity theft

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 2018-01-13
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, XXXX at XXXX XXXX, I transferred my funds from XXXX to Coinbase in the amount of {$830.00} in which the funds were never credited towards my Coinbase account. The status from my XXXX accounts says its been confirmed and sent to Coinbase, however Ive never received the funds in my Coinbase account. The address that was used from to send the funds from XXXX to Coinbase is : XXXX. Ive reached out to both XXXX and Coinbase about this issue multiple times and both companies are telling me to contact the other company because theres nothing that they can do about this situation. Ive attempted to call Coinbase in which I was kept on hold for 2 hours with no response from anyone, along with submitting a claim with their support team in which Ive not yet heard any type of response yet. I have screen shots of the transaction and the multiple complaints Ive made with both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive been a victim of identity theft

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 2019-06-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern. 
About a month ago, I noticed there's a collection on my credit report ... from Mitchell D Blum and Associates I sent a dispute letter asking them to proof me the debt is my ( validation ). They respond to me on XX/XX/2019 by sending me my discharge hospital documents. I feel that is a privacy isue, that shouldn't happened ( HIPPA ) and not only that I can't figured out on that document how I owe them the money that they are trying to collect, this is unfair and abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: Colony Brands, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called XXXX XXXX has on my credit report that I owe them money, but they will not produce paperwork, nor will they give me the amount. I had identity theft the last 2 years, and this is part of that. I filed a police report, and I tried to speak to them, but they show nothing in my name. It is against the law if they do not show paperwork, and it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am a 25 year. customer of Bank of America. I was sent an advertisement by B of A stating I would get a bonus of {$200.00} if I opened a new credit card. and spent {$1000.00} within 90 days. The account was opened on XX/XX/XXXX. I received the credit card on XX/XX/XXXX. I called " XXXX '' employee number " XXXX '' on customer service number. After 40 minutes waiting, I asked him " since I received the credit card on XX/XX/XXXX ( 35 days " after '' it was opened by bank ), does that extend the " 90 days in which to spend {$1000.00}, and still get the bonus ''? XXXX checked with supervisor and told me " NO, '' unfortunately, I must spend the {$1000.00} within 90 days starting XX/XX/XXXX, NOT 90 days from receiving the card on XX/XX/XXXX. I consider that false and fraud advertising, since the bank sent the card 35 days after opening, which decreased my ability to spend {$1000.00} within 90 days, to force me to spend {$1000.00} within 55 days. The is a scam on the bank 's part and false adverstising making me, the consumer, believe I could use the card from XX/XX/XXXX to earn the {$200.00} bonus, when in fact I could not " begin '' to use the card until I received it on XX/XX/XXXX. Thank you, XXXX XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX, CA 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 2019-06-23
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
We were given a {$200.00} American Express gift card with the receipt by a charitable organization. Several months later, we lost the card but still had the receipt. After many calls with American Express, they said they would suspend the lost card and send a replacement if we sent a copy of the receipt along with a letter with various details, including a copy of my drivers license and a utility bill. 

After sending all this information ( via email on XX/XX/2019 and XX/XX/2019, reference numbers XXXX and XXXX ), American Express did not issue a replacement card. They said they needed to get in contact with the the original purchaser of the gift card. I have no idea if they even tried to contact the original purchaser ( who was unknown to us ). 

So American Express is not issuing a replacement card to us, and isn't refunding the money to the original purchaser either. It seems they are just going to keep the money for themselves by hiding behind a Kafkaesque process with moving goal posts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX in early XX/XX/XXXX to setup internet access. The sales rep and I negotiated the service package and price I'd be paying and set up a date for their technician to come install my service ( XX/XX/XXXX ). Following that call, I then called XXXX and got a better service package for a lower rate than XXXX, which I decided to take. I then called XXXX back and asked them to cancel my previous order. I believed my order was indeed cancelled since the technician did not show up on the scheduled installment date of XX/XX/XXXX. But in XX/XX/XXXX, I received mail from XXXX saying I owed them {$40.00} for a month of internet service. I called XXXX again and explained to them the situation - that I received a bill for an amount I did not owe. I explained that I had cancelled my order before installment and they confirmed that my services were never installed and agreed to close my account and wipe out the debt. I then received another bill from XXXX in XX/XX/XXXX for {$72.00} which I ignored because I believe I had already settled the issue with them. 

In XX/XX/XXXX, I received mail from XXXX XXXX XXXX XXXX, a debt collection firm, saying that XXXX had sold them my debt in the amount of {$72.00}. I wrote them within 30 days disputing the debt and asking for proof that XXXX had sold them my debt. They responded in XX/XX/XXXX with copies of monthly bills from XXXX for my account. I replied to them again specifically asking for " all copies of documents between them and XXXX that incontrovertibly show that XXXX sold them a debt that they ( XXXX ) claimed belonged to me ''. XXXX XXXX XXXX never responded after that. 

In XX/XX/XXXX, I again received mail from another debt collector ( Afni, Inc ) regarding my {$72.00} XXXX debt. It would seem that not only did XXXX XXXX XXXX fail to invalidate my debt, but my debt had again been purchased by another collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Prosper Marketplace, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a lawsuit by my local court stating that I was served by alternative means via mail and by leaving summon papers by the door on a debt owed but I did not receive anything other than a copy of someone else 's lawsuit that was placed by my door. This is a poor tactic to get the court to say they have served me and now I have a court date on XX/XX/2021. This is not right.

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 2020-04-30
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX posted the video in regards to the CARES Act that the CFPB made. It mentions to ask 3 questions to the mortgage company in regards to Forbearance due to COVID. When I ask them how am I to pay back the forbearance they told me they would tell me XX/XX/XXXX. How can I commit to miss 3 months of payments without knowing the term of the missed payments. I have spoke to them on the phone and requested for the terms to be emailed to me. They have declined to send me the terms of my forbearance but only send the definition of forbearance. I would like to know the terms in which I am held to. They will not answer the questions within the video.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Integrity Funding Ohio, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a collection letter from Integrity Texas Funding LLP, d.b.a. XXXX XXXX. I have never done business with a company of either name. That same day, I responded to them in writing disputing the debt. In my dispute letter, I explained I had never done business with them and requested evidence that I was the debtor. 

In response, I received a copy of an unsigned credit application. I did not receive any evidence that I was the borrower. The company claimed their investigation showed I was the borrower. It is exceedingly clear they failed to conduct as reasonable investigation as required by the Fair Credit Reporting Act, and that they have not met their legal obligation to provide evidence that I owe the debt they are attempting to collect. 

As the victim of identity theft, I am appalled by their callous disregard for the law. Based on my experience and their lack of evidence, I suspect this firm routinely violated anti-money laundering requirements to " Know Your Customer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: AES/PHEAA
State: CA
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:
I have been trying to work with my student loan servicer to request a retroactive bill be created for two months that I was placed in forbearance, that was not requested and without my knowledge or permission. One date was in XX/XX/XXXX with a prior loan servicer, and the second for one day in XX/XX/XXXX when my loans were transferred to another loan servicer. Because of this, it caused me to miss two payments that would have otherwise been counted towards my 120 payments under the Public Service Loan Forgiveness program. Additionally, my loans were in automatic payment and significantly lower in XXXX and XXXX than they currently are because of my repayment plan under the Income Based Repayment plan. 

I requested a manual recount to attempt to correct my payments in XXXX, which were updated in XX/XX/XXXX. My payments were significantly off following the recount, and I requested a subsequent manual review through XXXX in XX/XX/XXXX ( XXXX with XXXX XXXX and XXXX XXXX ). After not hearing back for several months, I contacted FedLoans again on XX/XX/XXXX and told that my request had been changed to an Escalated Review Case # XXXX. My counts were reviewed updated on XX/XX/XXXX, however, there was no retroactive bill created for the involuntary forbearance dates. 

I contacted the FedLoans ombudsman on XX/XX/XXXX ( XXXX XXXX ) who reopened my case # XXXX and notated it as a Second Level Review. I was told that my case would be reviewed and that I would get a response in approximately 7-10 days. Additionally, I have uploaded documentation to show the dates placed in forbearance, as well as bank statements from XX/XX/XXXX and XX/XX/XXXX to show that I was making automatic payments deducted monthly at the time. As of today, I have still not received any correspondence about the status of my request. Including the two payments that would have counted in XX/XX/XXXX and XX/XX/XXXX if not for the non-requested forbearance that I was placed on, I would now be at 120 payments for nearly half of my student loans and able to apply for forgiveness under PSLF. In addition, I will be two months away from applying for forgiveness on the rest of my student loans. 

I have been making and tracking my student loan payments for 10 years now, including annual XXXX recertifications and numerous employment certifications, and hoping to correct this to be able to apply for forgiveness as promised. Thank you for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This will be the THIRD time this year my card has had unauthorized funds taken out by a theif. When I contacted chase I was advised a credit would take place to only have them ( without any explanation ) take the funds back out of my account! 

The most recent transaction : XX/XX/2018 Debit card lost/stolen I received an email from chase which stated suspicious transactions and requested confirm the transactions and or contact them. 
I contacted chase accordingly and quickly learned that 3 transactions had been made, with out my knowledge from an unknown party/theif. 
I was advised a credit would be placed and a new debit card would be issued. 
I now have received a letter from chase in the mail that reflects yet again that they are taking the funds out that they credited for these unauthorized charges!! 

There is no explanation in this letter as to why they are doing this! The letter is dated XX/XX/2018 and I just received it today XX/XX/2018 and they plan to take the funds XX/XX/2018. 

I attempted to contact Chase customer care to get a better understanding why I was being forced to pay for a transaction unauthorized and I was hung up on a total of 8 times. No explanation once again.

Company response to consumer: Closed with monetary relief