BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Atlanticus Services Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I moved into a rental with my XXXX old son and needed an alarm system for safety. I contacted XXXX  and setup an install. When the tech installed the system I filled out paperwork with him for the equipment. I setup autopay with XXXX and every month they took payment from me. I received a call saying I was behind on payments for equipment. I told the customer service representative that cant be I'm on autopay. I sent her the autopayments and she explained XXXX and the equipment were XXXX separate payments Once for XXXX  and the other Fortiva. Extremely concerned because I had XXXX in the past and it was one payment for equipment and service I checked my credit report and it was on there and three payments were late. I have worked very hard to have good credit. I make payments early and more than the payment amounts. I called Fortiva back and explained this to them and how I am buying a house in XXXX. I paid the balance in full, which was {$1500.00} and the customer service rep said they would send me a letter to remove the account from my credit report. I called back 1.5 months later and they said they would send it and they're not sure what happened. I called again in XXXX worried because my credit score went from a XXXX to XXXX and i do not qualify for a loan with a low interest rate. I was told again it would be sent and it wasnt. In early XXXX, I called and they said they would not be sending me any such letter and no one should have told me that? I dont know why it changed but im incredibly frustrated because i was lied to and never told it was two separate accounts. i would have paid it. i have 13 years of perfect credit history and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: MOHELA
State: NY
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:
MOHELA is my student loan servicer. They received an autopayment for my first student loan payment after the " pause '' on XX/XX/2023 directly from my bank account. Today, XX/XX/2023, I was notified by MOHELA that my loan was placed on XXXX XXXX. I did not request this nor did I miss a payment. I tried to call them and I was alerted of an XXXX minute hold time on their automatic phone line. I stayed on hold for XXXX minute and then I was hung up on. I tried to contact them through the studentaid.gov phone number and I was on hold for over XXXX minutes and then my phone 's battery died. There is no email or direct messaging available for MOHELA. I sent a secure email through their website and I was notified that they will get back to me in 15 days. Meanwhile, my loan will accrue interest for those 15 days! I refuse to pay this amount since I can completely afford and pay my monthly loan amounts. I am also in XXXX, and I believe time in forbearance does not count towards XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not Authorize, consent or benefit from any of the following accounts and inquiries : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts have Inaccurate reporting. 
Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account number : 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 non-monetary relief
Consumer complaint received 2022-01-28
Company: ADP Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I got issued paycard from my employer and and was not able to actually is able to access my phones to funds Because my social security number was entered and wrong I have submitted several documents including social social ID personal care to try to get over the past few weeks with with no help or resolution resolution from the situation Their company for a pay card was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
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 canceling credit monitoring or identify theft protection service

Complaint:
I filed to opt out of XXXX from sharing my information. I received a email stating that because of me being a victim of identity theft twice. They agreed to stop sharing my information. But they are still sharing my information with Experian, XXXX, XXXX A bankruptcy is being reported from XXXX to those agencies mentioned above XXXX has responded to the complaint I filed with the CFPB saying they emailed me today XXXXXXXX  and couldn't get my i.d and recent mail to authenticate my identity. 
There was no email sent to me Can XXXX provide proof they sent a email asking for my i.d and recent mail. 
I will include a copy of my recent mail and I.D So XXXX has my full identity Everything should be able to be handled online between all 3 parties Me the cfpb and 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 2020-01-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The complaint against Wells Fargo Bank that gas been ongoing since XX/XX/2016. 
I have tried numerous times to resolve this matter to no avail. 
I have included all receipts, deposit slips, payment stubs, documentation of my numerous attempts to resolve this matter, an their never ending denial of their responsibility for this. They have changed the so called reason for the payment being applied, me being given a receipt for the payment, yet it was denied 2 days later. I have included letters of various excuses an also letters of Foreclosure to My XXXX yr old Dad, who lives on a fixed income an very ill. He has Always paid his bills an on time. 
This is not acceptable, as I stated The Original Complaint is Attached, i mistakenly deleted it while taking screen shots of all the documents, but luckily I screenshot the Original complaint as well, an it is the first screen shots sent. 
Thank you for your time an consideration.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-08-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I opened both checking and saving account with promo code in branch. In order to meet the qualification of opening account bonus offer, I transferred {$15000.00} from my XXXX account ( an American online bank ) to Chase saving on around XX/XX/2023. As I didnt see the {$15000.00} transfer showing on my Chase saving account, I made another {$15000.00} transfer on around XX/XX/2023. The second transfer was cancelled because of insufficient XXXX account balance and later I found the first transfer showed on my Chase account successfully. 

On XX/XX/2023 Chase informed me that they may closed my accounts because of potential fraud. I called at customer service center and they said thats the final decision, Chase will end the relationship with me without giving any explanation. I strongly believed there must have some mistakes so I applied an investigation. 
On XX/XX/2023, They called and said will proceed the investigation. On XX/XX/2023, they called and told me the investigation is closed and the decision of closing my account is final and wouldnt give me any reason why they closed my account, stating that they reserved the right to which customers Chase having business with. So I asked the progress of my {$15000.00} fund, I was transferred to their electronic funding department, which they said this fund was under verification and no estimated time when its going to be done, the transfer is between my accounts under my name and the money is mainly from salary so I ask if they could transfer me to the department verifying the fund or I could provide any information they need in order to faster the process, sadly they refused. It was very frustrated without knowing why Chase closed my account, if theres really ID thief issue related, I should have the right to know. This whole process and my pending {$15000.00} made me feel unsafe toward the safeguard of money in banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I was lured into a free credit reporting service with Transunion. They made it impossible to opt out of the signup flow during the process and before I knew it I had opted into a monthly subscription with no way to confirm or cancel my order. I immediately canceled my subscription ( within 2 minutes ) but was unable to cancel my first month on their online system even though I DID NOT WANT TO PAY FOR IT. I have emailed them multiple times to address this problem and request that they refund or cancel my first {$25.00} charge that they extorted in a very sneaky signup flow. They refuse to address any issues via email and are not responding to my requests.

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 2023-11-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I thought I called XXXX XXXX to ask why they changed our seats, my husband and me, to fly home. First I stayed to long waiting on line so I tried later by calling a number I found on my cell phone. When I told my questions that non XXXX XXXX which I did not know then ) they pretended that it was because I had not paid taxes and/or fees on our tickets and they could not promise to keep our seats. I. argued a lot but wanting to be sure to fly back home I paid the {$200.00} they wanted, thinking I would fix that problem with the airline when home. But that fraudulent company send me sighing to sign in a text, so naively I did. When I called XXXX XXXX back at home, they told me that I never had to pay them anything and it was not their number. So I called CITI to close my card and explain the reason. The CITI agent did not write it the way I told her, just that I did not authorized the charge. After waiting for an answer many weeks, I was told thay I would be contactetoexplain my case, they did not do it.I called again, asking for the frauddepartment, and amantook my story again. Still they charged me the {$200.00} and saying it was because I changed my story. I did not, ghe first agent just reported it wrong. It is very easy to verify if Citi was doing their job.The fraudulent company sent a email saying that they did the changes I wanted, but their names as a car rental in XXXX XXXX, where I never went and rented a car. I asked CITI t show to them a rental agreement, or what the to verifyt he fees sent to XXXX XXXX, or why the phone number on that email is not theirs, or why they also memtion XXXX registration as a false heading. The fraudulent company triedtw

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent {$500.00} through XXXX using my Wells Fargo checking account to someone that was supposed to send me TV speakers. I did some research on the number I was speaking with after I submitted the transfer and noticed a few web pages pop up saying they were scammed by the same phone number for different items. I immediately called Wells Fargo to report the scam and they said there was nothing they could do since I authorized the transfer. I also reached out to the scammer but of course they did not answer any of my calls or texts. I filed a police report the same day I submitted the claim to Wells Fargo just in case Wells Fargo needed it for their investigation but they never asked for any of that information. The bank said they would open an investigation and I was sent a letter a couple of weeks later saying that there is nothing they could do and that I should reach out to the scammer to ask for my money back ( great advice Wells Fargo ). I called Wells Fargo again today, XX/XX/XXXX to see if I had any other options or if they were able to use the information ( name and phone number ) provided to me for the XXXX transaction to possibly get in touch with their bank but Wells said they do not go that far and again recommended I reach out to the scammer for my money back.

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 2022-01-28
Company: Rocket Mortgage, LLC
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ROCKET MORTGAGE AND ANOTHER CREDIT AGENCY IS CALLING FROM XXXX DIFFERENT NUMBERS LOOKING FOR A " XXXX XXXX '' ... I AM NOT XXXX XXXX AND I'VE HAD THIS NUMBER FOR 10 YEARS! THEY WON'T STOP CALLING NO MATTER HOW I'VE ASKED THEM. MY NUMBER IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: AES/PHEAA
State: IA
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:
My student loans are through XXXX XXXX. Any extra payment goes to interest and not principle. I did n't think that was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-01-28
Company: Klarna AB
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I made a purchase of two items on Wayfair.com for a total of XXXX USD ( Order Number XXXX ). I agreed to use the service of a company named Klarna, which offered to lent me the money for this purchase and allow me to repay in 4 bimonthly installments of XXXX USD each with no interest. 

I returned one of the items ( original cost of XXXX ) to wayfair shortly after and the confirmation of the return was received on XX/XX/XXXX by that company. 

XX/XX/XXXX, Klarna contacted me to let me know that a return had been reported and payment schedule paused. 

XX/XX/XXXX : Klarna emails that there is no confirmation of return from XXXX had been received. I responded with the information they requested to confirm such return. 

XX/XX/XXXX : Klarna writes that they received formal confirmation of return from XXXX and informs that a refund for the payments made will be scheduled for the next 5-7 business days. 

XX/XX/XXXX : XXXX issues refund for XXXX USD to Klarna and emails me about it. 

XX/XX/XXXX : Klarna takes XXXX USD from my account XX/XX/XXXX : I email and inform them of the mistake, and request a refund for the XXXX payments ( XXXX USD minues the cost of the XXXX item I kept, for XXXX USD ) XX/XX/XXXX : Klarna informs that a refund for XXXX USD has been issued and to expect it within the next 5-7 business days and ends with a note of " no outstanding balance due ''. 
XX/XX/XXXX : I email explaining again that the refund does not correspond to the amounts that must be refunded, and that instead, they just withdrew XXXX. They repeat the answer from the previous email and suggested me to contact XXXX for the return. 

XX/XX/XXXX and XX/XX/XXXX : Klarna writes requesting me to contact them only if I " have new information regarding this matter '' Klarna never refunded the XXXX mentioned or any of the rest of the payments made. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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