BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: AES/PHEAA
State: PA
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:
I 've been in repayment of my loans since XX/XX/XXXX with Fedloan. In XX/XX/XXXX of this year ( XX/XX/XXXX ) I enrolled in a XXXX degree and applied for loans. Once my new loans were instated, fedloan, automatically deferred my previous loans. I called them immediately on XX/XX/XXXX when I realized this had been done and I requested it be reversed as I want to continue paying my loans. They told me I have to sign a waiver and I requested they send it to me right away. Today is XX/XX/XXXX, I still have not received the waiver, despite 5 more conversations with Fedloan. I am told that once I do receive and submit it to them it will take another 7-10 days to reinstate it. In the meantime I am accruing interest at the full rate instead of the rate discounted .25 % for having automatic debit through them. I never asked for my loans to be deffered and they are being extremely unhelpful in allowing me to repay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received an email from Florida Department of Highway Safety and Motor Vehicles stating that my records were accessed. 
Same day received an email from American Express saying my application for a new credit card was submitted and approved. 
I called American Express and they said no application under my name were received. 
On XX/XX/XXXX I received the credit card on my name by mail, exactly as the confirmation email received days before fron Amex. 
I calle American Express to submit a claim and close the account, they said they will be closing the account and submit a fraud claim. 
Today I receive a letter about rewards program from American Express. 
I suspect about XXXX XXXX store at XXXX XXXX XXXX where I opened a credit card around XX/XX/XXXX, but never asked for the American Express. 
Help, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: BTH Management
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 was viewing the details of my credit report and I saw that XXXX XXXX had some inaccurate account on my file that I don't recognize. I was looking at the FRCA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: AMERICAN EXPRESS COMPANY
State: WV
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:
I made a purchase to XXXX on XX/XX/XXXX for a T-Shirt with my Bluebird by American Express Card in the amount of XXXX, I did not receive the merchandise. I notified Bluebird about this and filed a dispute for the charges on XX/XX/XXXX. I was advised that if the dispute could not be resolved within 10 day that Bluebird would issue a credit. As of today 's date XX/XX/XXXX the credit still has not me issued. I made a call to them inquiring where my credit was and was advised that if the merchant refuses to issue a credit back to my card then they ca n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2018 I was to purchase 2 concert tickets via PayPal transfer. I transferred {$49.00} to the seller and never received my tickets. I notified PayPal of this issue they advised me to bbn notify my bank. I notified my bank and was advised to file a dispute claim. I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, someone withdraw a total of XXXX dollars from my Bank account. I called Chase and filed a claim and they credited me the XXXX dollars. XXXX XX/XX/2021 I noticed that they reverse the XXXX dollars so I called them and they told me that their investigation concluded that it was me who withdraw the money because of the debit card chip that was used. I told them that it was not me and I had never taken out more then XXXX dollars from the ATM as that is the limit of withdrawal allowed in a day, they said they dont know and there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-18
Company: CORELOGIC INC
State: VA
Product: Credit reporting, credit repair services, 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 am requesting XXXX  Credit Bureau to remove the Hard Inquiry from my file and complaining against a company called CREDCO for making an unauthorized inquiry into my credit file ( s ). On XX/XX/2020, my XXXX credit information shows that a company named CREDCO made a Mortgage Inquiry by checking my XXXX    Credit File ( and most likely that at the other two reporting bureaus ). Experian advises that this inquiry was a hard inquiry. I don't recognize authorizing that company to run my credit for a Mortgage application. I am also afraid that this could be an attempt at identity theft because  when I called the company 's phone number provided in XXXX   online platform, the number appeared to be invalid. 

CREDCO 's information as seen in XXXX  's online platform : CREDCO, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( 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 explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX  is on my credit history and have no clue why its been on my credit report I lived with some people during these things on my credit report occurred on my credit history in my birth certificate and social security card and Id got stolen from me in then started realizing that there was all kinds of credit card was applied for under my information in then my credit is ruined because of other people who still peoples identity its sad how people are now days I shouldnt have to struggle to get this XXXX off my credit history because of how hurtful someone would just steal someone identity in use the person information just so they can get people thinking that its the person whos identity who was stolen in then takes forever just keep disputing the things I didnt apply for or had nothing to do with still struggling after a couple years of constantly getting it off my history people just dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: AES/PHEAA
State: NC
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:
To make a very long story short, I applied for the XXXX XXXX XXXX XXXX program back in early XXXX. I waited nearly 6 months before I heard back from them and when I did, I was told that I had XXXX more years of payments to make when I should have only had another year. I asked them to review their info and in XXXX of XXXX, I heard from them and nothing had changed ( they had my consolidation date incorrect and they said that whole years that I was making payments didn't qualify even though I have always been on the XXXX plan and have never changed ). In XXXX of XXXX, I submitted the documentation ( XXXX pieces of paper ) that showed that their info was incorrect. I called back in XXXX to see if there was any change. I was told to call back in XXXX. I just called today, XX/XX/XXXX, and I was told that they were really backed up and that it might take until the SPRING OF XXXX before a decision is made. Meanwhile, I will be making payments that I should not have to make since my loans should be forgiven in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$8800.00} 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 explanation
Consumer complaint received 2018-09-04
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, 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:
" Cbna '' has a hard pull on my XXXX credit report. No address is listed, the date was XX/XX/XXXX. I do not recognize this hard pull at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a new XXXX XXXX credit card in XX/XX/XXXX and made few purchases. In XX/XX/XXXX account representative XXXX XXXX blocked my account without explanation. In conversation with me he said that I " don't use the account '' but my explanation that I use the account for purchases on XXXX wasn't considered an acceptable explanation. 

Right now the card is remaining blocked and I can not make purchases on the card. 

XXXX XXXX asked for additional information regarding me ( social security card, driver license and business license ) but he refuses to reactivate the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$8800.00} 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 explanation
Consumer complaint received 2020-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Since the month of XXXX we have suffered a GLOBAL PANDEMIC where all international trade was affected and the entire WORLD stopped. 

At the end of XXXX I suffered from XXXX, I was in XXXX XXXX with an XXXX XXXX for almost 5 months and I did not manage my Bank of America account or make use of it, which I have been a client since 2015, when I opened my account without SSN as a tourist and there was no objection to opening it. 

At the beginning of this month, already recovering, I tried to contact the bank and it was impossible since I am a XXXX citizen and due to the telephone blocks it was impossible, I turned to customer service through XXXX and they answered me AFTER 5 HOURS, they could call me to tell me that in Effectively they closed my account and the only way to open it was to go to an office in the USA, ( which I can not do since flights to the USA are limited ), or open an account online. 

I started trying to open my account online and it was impossible because to open it I need an SSN, now ... in their policies there is a contradiction, since I opened my account in 2015 without having an SSN and to open one online I need to she. 

I have lost work commissions in these months since I am dedicated to the XXXX XXXX XXXXXXXX XXXX, I have had a great contract and I lost it because I did not know where to send the money from my work commission, the treatment for the attention they gave me was very discriminatory and blunt, it can not be possible that the bank and its policies are contradictory, the damage that has caused me to lose a sales commission of approximately {>= $1,000,000} for not knowing where to send that money and the little reasoning for part of them has made me exhaust the resources to proceed to write to you, I am NOT an American citizen, I am XXXX  I have been in your country on several occasions but I am a consumer of an American banking product and I feel I have to seek protection from you already which is an injustice to me and who knows how many more people will do the same daily. 

I thank you for your kindness in reading me.

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 2023-05-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from may a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD. I am not going to give up because I was Frauded and scammed and I am living from check to check. I can not afford to pay something that I did not authorize. Now the charges are up to {$9000.00} and some change from all of the late fees etc.that are occurring. Once again I will not pay this amount. At all. Wellsfargo in Union rather all banks should have sympathy for people that go through this. I will keep this ongoing because I am not paying and will not pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Diversified Consultants, 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:
XXXX keeps adding diversified consultants ( XXXX XXXX ) after ftc told them XXXX XXXX credit report had identity theft. This was never his item.. XXXX has police reports and ftc reports in file on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: NY
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:
See 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 2019-03-11
Company: Experian Information Solutions Inc.
State: VA
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:
In XX/XX/2018, I became a victim of identity theft. Several accounts were fraudulently opened in my name. I immediately disputed the the accounts and after investigations by the credit agencies, the accounts were declared fraudulent and removed from my credit reports. In addition to the dispute, I also submitted affidavits, a police report and other documents as requested. 
However, one of the fraudulent accounts, a XXXX XXXX XXXX XXXX Account, was not deleted from my Experian credit report, although it was deleted from my XXXX XXXX as well as my XXXX reports. 
I have called XXXX XXXX XXXX XXXX and Experian numerous times and have been told from representatives from both companies that they are aware the account was not opened by me and I am not responsible for the charges yet XXXX XXXX XXXX XXXX continues to bill me for a {$20000.00} and Experian continues to show the account on my credit report. 
It's difficult for me to know who to contact to have these fraudulent charges removed, and now I'm asking for your help. 
I have all of my documentation which I can send upon request. 

Thank you, 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 explanation
Consumer complaint received 2019-06-06
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:
Transunion is not reporting correct information as far as score b/c when I get the risk base pricing back from company its always higher than what they tell me same with XXXX misleading score this has got to stop

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 2023-03-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went out of town on XX/XX/XXXX and i lost my card before I left town. My pin number was written on my debit card due to the fact of me having hard time remembering my pin numbers as I have a few. After getting back to town on XX/XX/2022, I realized there were unauthorized withdrawals from my checking account and I realized I do not have my card. After contacting US Bank to inform about what happened and filing a dispute, I was provided a claim number # XXXX. After waiting for weeks to hear back, my dispute was closed with absolutely no resolution. The reasoning given by US Bank was that since the pin number was used, the transactions were authorized. I have tried contacting US bank multiple times in regards to this issue after the decision, and I was finally able to get hold of someone who could provide me with more information. The representative said that they have reviewed the footage from the ATM machines and it matches my description. I have inquired about obtaining the copy of the videos or photos but they said they are not able to nor obligated to show me those and that it is used only for internal use. I have informed them that I was in XXXX XXXX and I have the proof for it but they were not interested.

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