BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Company debit my account for $ XXXX on XX/XX/XXXX before my loan was due. Company claimed that the ACH would be refunded in a few business days. I waited 2 weeks before calling again. On XXXX XXXX. The company denied that the funds would be refunded and said I had to wait to hear back from a Manager or I could call corporate myself. Company informed me that my option was to pay off the loan amount, which does not include the $ XXXX ACH, and then receive a refund for the excess amount ( $ XXXX ). I have both conversations recorded. The first where I was told my funds would be refunded, and the second where I was told I had to pay off the loan to receive the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: CarMax, Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car from car max. My credit is not the best and I was prepared to pay a higher interest percentage. I am a widow with XXXX children working two jobs. I receive survivor benefits on a card provided to me by the SSA. My payment is 16 days late and I am receiving calls three times a day to collect payment. I tried to pay my payment and was informed they can't try to enter a payment from a pre paid card until it is 30 days late. after they report it to the credit bureau. I can't set up recurring payments off my pre paid card either. I was informed that upon entering my payment two different ways their system was not taking it and to avoid them reporting my non payment I could drive 45 min to the store every month and pay it or pay 12 to 20 dollars to go wire it from XXXX XXXX each month in my spare time and if these options didn't work for me I could bring the car to them and they would report voluntary repossession to the credit bureaus and sell my car at an auction and I would be responsible for the rest. I again tried to explain to them I did not have a problem paying my bill and I would be happy for them to deduct automatically. I was informed that because the options I was offered I should bring the car back and as a curtsey they would sell it at an auction and that would get me out of my payment. I was never informed in any way that unless I paid my payment exactly how they wanted me to they would not even attempt to take a different payment method until it was 30 days past due. I repeatedly asked to speak to a manager above the one I was speaking to and by the third person I had reached the top. I asked if there was some type of record I could have of our conversation and was informed she would file a written complaint to her boss. I was informed I could go refinance it somewhere that took prepaid cards because they didn't and that I had the reaming 14 days left on my statement to figure it out or it would be reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This company is continuously reporting inaccurate information on my credit report. Transunion claims to have reached out to the data-furnish er ( which could only be XXXX XXXX ) in attempt to verify if a payment was made 4 years ago. It's against the law to report transactions and or experiences between a consumer and the person making the 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 2020-12-18
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Emergent Business Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received first letter from XXXX XXXX XXXX dated XX/XX/2020 requesting payment for a debt from original Creditor : XXXX XXXX For the amount of {$1600.00}. this is not my debt and I have had no contact with XXXX. I then sent within 30 days a letter to them stating that this is not my debt. # 1-I asked for full name and mailing address from the original creditor for alleged debt. # 2-i request documentation showing you have information that i am responsible for this debt. # 3-Documentation showing you are licensed to collect debts in my state. I also asked them to cease trying to collect this debt. I then received a second notice on XX/XX/2020 from a second agency Emergent services for a second attempt to collect on the debt from XXXX XXXX. in the amount of {$1600.00}. I sent a second letter to Emergent within the 30 day period requesting the same information and asking them to cease their attempt at collection on XX/XX/2020 I received a letter from the Emergent Compliance program manager which included a copy of the XXXX XXXX RENTAL-PURCHASE AGREEMENT/LEASE for the alleged debt. The address of the original purchase does not belong to me. The Bank account associated with this clam does not belong to me. THIS IS NOT MY DEBT and i would like this resolved so it does not affect my credit.

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 2018-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX I shopped at a jewelry store in XXXX ( XXXX XXXX XXXX XXXX )  and purchased a pair of earrings using my XXXX XXXXXXXX Bank of America credit card. I was was told by the shop owners the stones were zultanite. When I returned home I took the earring to be appraised to XXXX XXXX XXXXXXXX store and was informed they were not actual stones. 

After several attempts to reach the XXXX XXXX and get resolution ; which did not occur - I proceeded to file a claim with B of A on the {$620.00} charge within the time frame allowed. In XXXX B of A send me a letter with what I needed to do ( see attached dated XX/XX/XXXX ). I complied will all the documents required per the letter ( see attached my letter, XXXX XXXX letter and copy of receipt ). 

on XX/XX/XXXX B of A sent a letter to me stating my dispute was not valid for the following reasons ; " we didn't receive documentation stating what you were supposed to receive and how it was different from what you received ''. I contacted B of A fraud department and spoke to XXXX in Tennessee ; where I was told " you did not send an itemized receipt '' no where in their letter requiring documentation did it ask for a receipt and I included the merchant XXXX slip along with photos of the earrings. I was told I needed a detailed invoice showing exactly what was purchased ; when I asked where this is listed in original letter I was not provided a response, just canned we needed detailed receipt. I requested to speak to supervisor and they stated would call me back. After waiting 10-days with no call I contacted fraud department again this time being connected to Utah and spoke to XXXX. She reviewed my documents, stated she would re-open the file as appeared everything requested was received. 

After 14 days I received the letter dated XX/XX/XXXX which again denied my claim based on the same canned verbiage " we didn't receive documentation stating what you were suppose to receive and how it was different from what you received ''. 

One of the reasons I utilize the B of A card when traveling is to have added protection for issues such as this fraud claim. I have been a loyal B of A customer for over 20 years, never filed a fraud claim and it appears they contract with 3rd party entity to prevent paying out claims.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: LA
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:
Potentially Negative show XXXX  button XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute NXXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXXDispute XXXX XXXX XXXX  XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX  bankruptcy dischargedDispute all ftc violations

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 2021-10-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, I am a Coinbase user. In summary, my money from the Coinbase exchange has disappeared, as well as all the transaction history, it is as if the account has been reset.

I have been a Coinbase user since XX/XX/2021. 

Since that time and until XX/XX/2021 I have been trading with Coinbase. In the document " Access history '' you can see how I accessed on XX/XX/2021 ( from that moment I have been operating ). 

The problem comes when on XX/XX/XXXX I try to access my account and it asks me to verify my identity ( again ). I verify my identity correctly, although I already did when I registered in XXXX ( required to operate ). When I re-enter my account, my balance is XXXX and there is no transaction history in my account ( as can be seen in the document Coinbase Transaction History ). 

I have created a case in ( XXXX )- but I have no response, they always tell me that I have access to my account ( indeed, I have access, but it is not my cryptocurrency portfolio, it is at XXXX and without transactions ). 
On XX/XX/2021, I had around XXXX between BTC ( about XXXX ), EUR ( about XXXX ) and CARDANO ( about XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have attempted to contact Eastern Account Systems by mail, email, and phone to verify an item that appears on my credit. I have never received any written communication from this company that I owe them anything but, it was added to my credit file. There has been no response to written correspondence ( U.S. postal mail, email ), and I was instructed to leave a voice message when trying to reach them by phone. I have yet to receive a response from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a PNC credit card with a {$250000.00} limit with autopay turned on to pay the full balance every month before the due date. This last month the balance was over {$100000.00} however their online system only allows a payment up to {$99000.00}. This required a second manual payment to be made. Of course I find out about this after the due date. PNC then charged me {$2800.00} finance fee and a {$49.00} late fee. I spent 1 hour on hold with them, and as of yet they have not refunded the money. I would like my money refunded.

I also believe that there is fraud going on with PNC and their autopay system. How can you give me a {$250000.00} limit and then set me up on autopay, but not accept autopayments over {$99000.00}? When I called, the manager said that I could have made an additional manual payment over the phone or mailed it, that seems silly to me when I have autopay already set up. How can a bank like PNC not have a payment system set up or larger payments? 

I attached the statement for you to see. ( They also charged me interest on the whole amount, even though the majority of the balance was paid on time )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
BANK OF AMERICA CHARGE OFF ACCOUNT DID NOT REMOVE FROM ALL 3 CREDIT BUREAUS CHARGE OFF STILL REPORTS VIOLATING MY CONSUMER RIGHTS ERRONEOUS REPORTING BY ALL 3 CREDIT BUREAUS.

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 2021-10-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express closed eight of my personal and small business credit and charge cards with no notice. I was a card member for almost 10 years and never missed a payment, etc. No notice nor reason for the shutdown was given and they are not letting me talk with anyone on the phone. Additionally, no refund has been offered for the annual fees I paid for these cards, some as high as {$590.00} per year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In 2019 I used Transunion 's free credit reporting service to obtain a credit report. Since that time Transunion has been charging me $ XXXX monthly. I've been able to cancel my " membership '' but the damage has been done. I paid {$420.00} for a " free '' credit report a year ago. This behavior is dishonest and malicious. If there is anyway I can get my money back, that would be nice. 

Otherwise you have to stop these companies from selling something for free and hoping the victim doesn't catch their charges after they forgot. 

If I robbed someone once a month for 17 months I'd go to prison. Transunion does it you have a 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 monetary relief
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a fraud alert on all 3 credit bureaus. Also credit freeze. Trans union XXXX  shows 5 inquiries XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX. I never made these inquiries tsk tsk them off.

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 2022-01-08
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My credit has been bad for years. Yes, I have student loans. Yes, I have some bad marks on my credit, BUT I have positive also. I have worked my way into having enough income to pay everything on time. I have had on-time payments for over a year. Is there no chance of ever improving my score no matter how long I pay my bills on time? I have under {$2000.00} in bad marks, but thousands and thousands of good ones. I am paying on my {$1800.00} in bad debts every. month. Is there no balance? This is in both XXXX and Equifax. I can't get anywhere. I can't get loans at any kind of reasonable rate. I can't get a home loan. I can't get anything. I am a XXXX-year-old XXXX XXXX XXXX holding, full-time working, tax paying citizen that can not get a higher credit score. The parameters needed to improve my credit score are too harsh and people like me need some kind of relief in sight or what is the point of moving forward?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I, XXXX XXXX, am a consumer as defined under 15 USC 1692a ( 3 ) any natural person allegedly obligated to pay any debt. LINEBARGER GOGGAN BLAIR & SAMPSON LLP violated 15 USC 1692e ( 1 ) the third party debt collector is vouched for, bonded by, or affiliated with the United States or any State. On 9/1/21 LINEBARGER GOGGAN BLAIR & SAMPSON LLP violated 15 USC 1692e ( 3 ) when a communication was sent by the attorney to the consumer. In the communication LINEBARGER GOGGAN BLAIR & SAMPSON LLP used profane and obscene language also violating 15 USC 1692d ( 2 ). I has proof that LINEBARGER GOGGAN BLAIR & SAMPSON LLP violated 15 USC 1692f ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TekCollect Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Moved out of state and credit card was stolen. Didnt know it was stolen until collection agency contacted me. I told them it was stolen and they threatened me with legal action so I paid {$50.00} because I was afraid not to. This debt is increasing from the original {$400.00} stolen to its current amount on my credit report for {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Prior to XX/XX/XXXX, I sent via mail XX/XX/XXXX what I could afford. 

Received an email XXXX  XXXX with a contract, that was not what I agreed nor stated I could pay. 

XX/XX/2021 I called both the courts as I was sent documentation to attend. The jail stated I did not have to come into court if I made arrangements. I made arrangements prior to the court date. The law firm sent over a contract that was incorrect from what we argeed upon. I called them XX/XX/XXXX and discussed via phone also to have a new contract sent out to me via email like they did originally and I would sign with the correct agreement. They stated tey had to type one up and they would sent out the " new contract '' that was agreed to via phone- phone recording. 

No agreement has been resent to me since XX/XX/XXXX. I have the email chain showing this. 

Since then I have not reiceved any further documentation, nor agreement that was discussed. They have marked non payment on my credit when there has not been an argeement,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive DAILY phone calls from Navient regarding debt collection on a loan that is not mine, I did not sign for, nor have any liability regarding. In the past 24 hrs I have received 3 phone calls. Unfortunately, this is not a unique circumstance. This has been an ongoing issue. 

Navient 's calls currently equate to harassment, and I can not get them to stop. 

I have already filed this complaint in the past, and supposedly I am on the do not call list. It does not seem to be working. 

I personally have NO outstanding student loans. So Navient should not be contacting me regarding someone else 's debt. I have no interest or liability in the status of another 's finance issues with Navient.

Company response to consumer: Closed with non-monetary relief