BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: DISCOVER BANK
State: CA
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:
I contacted discover and filed a dispute in the amount {$750.00} for an attorney XXXX XXXX XXXX who charged my card, I was told by the attorney, I had to leave a credit card on file to retain his services. The attorney and I had a verbal agreement, I would pay all his fee 's in cash and the card would not be charged. Behind my back the card was charged. When I became aware the card was charged, I immediately contacted the attorney and informed him he was terminated for a number of reasons. I informed him, he was not authorized to charge my card in which he already had done, I told him I was disputing the charge for {$750.00} with Discover. 

After contacting Discover and filing the dispute with discover and providing a lot documentation to support my claim from the California XXXX XXXX showing that the attorney did not do the job he was hired for and was terminated by me. My compliant was considered valid and picked up by the California State Bar as well the Attorney Client Mediation and Arbitration Services based on fraudulent billing practices and charges and a few other laws the attorney broke. 

Discover has twice refund the disputed charge back to my account after numerous calls and asking to escalated to up management, Recently Discover added the charged back to my account without reason and told me the dispute was closed and settled in arbitration without my knowledge. I reached out to Discover and was transferred to the executive team I spoke with XXXX XXXX Executive Office of Customer Advocacy explained everything to him and sent him the documentation he requested proving my claim. 

In less than a week I was contacted XXXX XXXX from the Executive Office of Customer Advocacy and told my case was closed and discover felt the charge was valid based on what information the attorney provided and the attorney was the only that could give me a refund. I explain to them that was not true, and I read their full disclosure provided by discover and he was not following protocols and a new investigation show be opened a requested by myself. Discover has lied and has refused to handle my dispute properly. I transferred around to many different departments and told I will receive a call back that did not happened. When I request to speak with upper management, I am hung up on and nowhere in the Discovers disclosure does it state I have a limited number of times I can dispute an invalid charge nor does it explain about they arbitrate without my consent on my behalf. 

Today I have an over charge on my credit card limit and discover should honor my dispute and truly help resolve the issue with the false charge from the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I set up an account with Transunion, XXXX and XXXX so I can look at my credit report on scores online, and after a few days Transunion and XXXX is saying i have the wrong log in. XXXX says my file is blocked and just shows null on every page. I have made countless attempts to contact someone but the numbers send me into a loop and then hang up on my. I have sent them a letter about this problem and received no response.

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 2022-04-01
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Personal information incorrect

Complaint:
Incorrect name and addresses are listed.

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 2021-11-10
Company: AMERICAN EXPRESS COMPANY
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently i received a copy of my XXXX credit report and noticed multiple unauthorized opened accounts from Amex added to my credit file, i did not give permission for XXXX or any one else to run my credit, i did not apply for loans or any credit cards with Amex. XXXX gave Amex credit card company access to my credit file without my permission. 

there are 2 Amex accounts that are reporting balances and late payments in my XXXX credit file that do not belong to me and when ever i talk to XXXX they blame Amex and when ever i talk to Amex the blame XXXX saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
State: AR
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:
On XX/XX/2021 my Chase checking account was charged {$290.00} by a third party, XXXX, for XXXX XXXX  XXXX. I am a XXXX  XXXX  with XXXX and they offer a " XXXX XXXX  guarantee. ' I found this hotel for a cheaper price of {$190.00} through another company. I am having a difficult time getting XXXX to adhere to their own polices, but have also filed a complaint with the FTC. I then filed a dispute for the difference with MY financial institution, Chase, even provided the receipt direct from XXXX XXXX where I paid {$190.00}. The dispute was opened, I was then issued a provisional credit. XX/XX/2021 the fees were then reversed and I was charged the {$93.00}. I had provided all the documentation to show a. ) I paid {$190.00}, receipt provided, b. ) this is a third party that offers best price guarantee or they'll refund you 200 % and c. ) my account has always been in good standing. My account has now been in the negative since XXXX, my money has been illegally ( per the FTC rules for disputes ) to a third party! Chase advised me that the case is closed and they will not reopen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company agreed to remove this account from my credit report when I opened a new account with them in XX/XX/2019. The new account is currently opened and has had excellent reporting since being opened but this charged off account is still reflecting on my credit report after they agreed to remove it.

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 2022-04-01
Company: EQUIFAX, INC.
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:
Good afternoon, On XX/XX/2021, I went to XXXX with my 2 friends. At the moment, when we did self checkout an XXXX employee asked me if I want to get XXXX 's points card ( he did not mentioned at all that it was a master card ). And, I agreed to get it as back home ( XXXX ) we always used points cards. But, I never received this " points card '' neither the " XXXX XXXX XXXX I also do not live at that address anymore. So, I don't know if someone else took it and used it on my behalf or I have no clue what happened. After a few months I went to check if I had any letter on my name at the previous address and there I found a letter from XXXX that was saying I have to pay a amount of {$3500.00}. It is a huge shock and amount for me that I have never used. 

I called various times to the XXXX customer care and XXXX XXXX  agent but they always told me they don't have anything under my name. But, now that I wanted to buy a care I came to know that I have to check my credit score, I found it to be very low. I called Equifax and dispute the credit that did not belong to me. But, it was not helpful. 

I have never used this XXXX XXXX and don't even had it. 
Please help me in this regard. 
Thank you Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company has called me after XXXX and before XXXX on several occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Avid Acceptance, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This complaint is from a prior complaint from XX/XX/XXXX on the same company. Later that afternoon I received an email from XXXX XXXX the account manager sending me a delinquent account notice That my account was past due and the payment was due on XX/XX/XXXX. Now if I am not mistaken, when I made my {$200.00} payment at the end of XX/XX/XXXX, that payment cleared on XX/XX/XXXX, that bought me to current according to customer service. I told them I would call in the make my next payment which would have been after XX/XX/XXXX. That is the payment they took out of my account without notice and after I stated do not take any more money out of my account, I had to contact them to make them put that money back because I already had that money in budget for someone else and I would make my payment by XX/XX/XXXX. They ended up giving my money back on XX/XX/XXXX. During my conversation on XX/XX/XXXX, I told them I do not want the auto pay and I will call in my payment. I called on XX/XX/XXXX to make my payment of {$190.00} and stated I will make another payment by the end of the month. Again on XX/XX/XXXX, they went into my account against my wishes creating over drafts that I am responsible for. That money was budgeted to put my car in the shop and I did not know what was going to be charged. My car note $ XXXX monthly and they got their money on XX/XX/XXXX and XX/XX/XXXX. Then that is when I get another email from XXXX XXXX XXXX saying " Just reminding you that your car payment was due on XX/XX/XXXX. You can pay online, or feel free to call into the office at XXXX with your payment information and we would be happy to get it submitted for you. I was advised in the past that they do not keep your payment information in the system once the payment has been rejected then they have to put the information in the system again and basically verify. I use to get notifications that the payments were coming out but now I do not get anything up until now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
My Capital One credit card with a XXXX  limit is not being reported by XXXX. As I have not missed any payments on this account their refusal to report this account is adversely affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i created an account with coinbase in 2014, ive been a customer for many years. Funds in my old account have not been transfered to the new one i have waited for weeks and still can not get a reply or response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Creditor : Best Buy Credit Card Services To whom it may concern : This bill was paid off using two cash payments inside the XXXX, XXXX XXXX, at the front register. I made a payment of {$150.00} on XX/XX/XXXX and the second payment of {$170.00}, was paid on XX/XX/XXXX. I contacted customer service via the in store telephone to receive the final payment amount. This call was placed directly in front of the employee which received the payment. I requested a paid in full letter and this information be reported to the all credit bureaus. The phone representative stated the paid off letter would be mailed. In XXXX, in lieu of a letter stating the bill was paid in full, I received an invoice of {$40.00} which was a late fee. Every month after I continued to receive a late fee. To date the bill is {$140.00} which are all late fees. In XXXX, I wrote the merchant requesting they correct this error and send me a paid off letter. The merchant has not corrected their error and receipts which showed paid off was attached. The last representative I spoken to stated they received my written correspondence but did not received the two receipts that were stapled to the letter; Please investigate and research this matter as this was the first time that I have incurred such inaccuraties, in the year XXXX, and repeated blatant lack of service. By their telephone representatives. They would asked for three pieces of personal information and then transfer me to two more phone representatives who would ask the same information than state they could not help me and/or they could not find the documents submitted. Please investigate and correspond as I feel like their was possible fraudulent activities that were being committed. I can be reached via email at XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX. 
Please review my telephone conversations as they stated that I was on a recorded line.

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 2018-01-08
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I submitted a transfer of XXXX Etherium on XXXX/XXXX/XXXX at XXXX to Coinbase/XXXX. They show they received the amount and were processing it so it would be available in my account. It has been stuck processing since XXXX XXXX. I have submitted 3 support cases and made multiple attempts to contact them via their main XXXX channels @ coinbase @ coinbasesupport @ XXXX. The sent one reply to my first support request which was a generic email on why transactions can take a while but made no effort to look at my account or resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company increased escrow amount for annual taxes. They made the mistake of increasing tax payment to state of WI by 50 %. XXXX taxes had been paid in full and we received a {$110.00} payment for escrow overages. 

XXXX 2nd phone call to let them know they made a mistake. Talked to XXXX the escalations manager Emailed them XXXX tax bill Was notified via email they would investigate. 10 biz days to investigate and would receive a letter in an additional 10 business days of their findings. No letter arrived. I emailed multiple times with no response. Talk to an agent on XX/XX/XXXX that I should hear something by the end of the week. Its now a full a week later and still no resolution. They are mismanaging money and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am requesting a settlement agreement with Wells Fargo Credit Card Services. Many interest charges and prior disputed charges are not mine/ fraudulent and was denied in past disputes when reported. This collection account and past due charges, is definitely damaging and hurting my credit report and is hurting my chances for applications in reference to credit with other companies in the future. Please consider a monthly installment plan deducting/ reversing all late fees and interest that accumulated since the opening of this credit card. I am requesting for a agreement document for this requested settlement amount and also deletion of this account to all 3 credit bureaus, once payment is satisfied. In order for this agreement to take place. I am unable to make a one or 2 time payment. So please consider a monthly agreement settlement amount until this balance is paid. Please send documents to the confirmed address you have on file or associated with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made a deposit on account to the XXXX bank XXXX XXXX XXXX XXXX XXXX for the amount of XXXX dollars, said company that provided the service is the XXXX XXXX and until today said money is not deposited to the account of the beneficiary. 
I have already reported my problem with the aforementioned company many times, but they only reimburse me the XXXX dollars they charged me for the transfer and they excuse themselves saying that the money has already been deposited to the beneficiary 's account, which has not happened, For this reason, I attach the account statements for the months of XXXX, XXXX and XXXX. too The beneficiary went to the XXXX bank in XXXX to see what was happening and they told her that this shipment does not exist, that such money has never arrived. 
It is worth mentioning that I continue to communicate with the company and now they hang up the calls, since they do not want to solve my problem, I demand a refund and also the documents where they support themselves to say that this money is already deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
The unverified XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to low score. XXXX XXXX has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the fraudulent account claiming that was verified but provide no evidence of the verification and ignoring all the facts requested affecting my credit for years without taking consideration of all the emotional, metal and economical aspect affecting my family and I to secure the basic need of owning for the first time a house. This account should not be reported in 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 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I disputed several accounts with inaccurate information directly to the bureaus but they haven't neither sent any answer nor repair or delete the accounts as i demanded while disputing.

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 2021-02-16
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received my credit report from XXXX  and noticed a student loan that was placed into collections with a balance of XXXX dollars. I disputed this with the credit bureau and they were able to verify this account and suggest that I reach out to the creditor. I reached out the creditor on XX/XX/XXXX requesting what the money was owed for, how the calculated the amount I owe, and copies of any papers showing I agreed to pay what they say I owe. They have not responded in the 30 days allowed. This company is in violation of the fair debt collection practices and violation of the fair credit reporting act by not providing me this information.

Company response to consumer: Closed with explanation