BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone has made numerous payments to my Best Buy acct ( XXXX XXXX XXXX XXXX ) for months now I reported this to Best Buy and they have purposely mislead me for months sending me to the Fraud dept Today ( XXXX ) they informed me ( XXXX XXXX that it was not fraud but XXXX XXXX   problem Not true XXXX XXXX  ( XXXX XXXX states that there is nothing they can due about the over the phone payments Citi ( Best Buy ) will not furnish the routing and acct. nos so I can file a police report They are falsely reporting negative info to the Credit Bureaus for months XXXX XXXX XXXXXXXX XXXX XXXX have been notified by me of these fraudulent payments Citi ( Best Buy ) continues to give me the run around I had three ( 3 ) gift cards stolen XXXX reported them stolen the same day Best Buy let someone use them in New Jersey same day without having the cards just the nos No ID was checked and Best Buy sent me the duplicate rects for the transactions for the Ipads To date Best Buy has not responded S/N are on the rects

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 2019-09-25
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After doing several disputes with XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Navient. Both XXXX  and XXXX failed to do an investigation before reporting false information. Navient failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Collection Bureau of Kansas, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The attorney violated our right to the Consumer Protection and to the KS statute of limitations on this case. This case was paid in full but they went ahead and left us with nothing by taking everything for a case that was paid in XX/XX/2013 via bank check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XX/XX/XXXX, Bank of America sent me a letter informing of their decision to close my credit card. 

They listed reasons that did not apply to my account, my relationship with the bank and an inaccurate credit score. 

I was very concerned, as this is the second credit card closed by Bank of America. The previous closure did not provide a letter indicating the reason for closure.

I spoke with withe 5 different Card Services agents over the course of 30+ days and communicated with them via XXXX. 

Although the last person I spoke with, XXXX, agreed that the reasons listed in the letter did not apply to me, based on their review of my credit report, My accounts remain closed. 

A letter from Bank of America dated XX/XX/XXXX simply stated that we accurately reported to the consumer credit reporting agencies. At this time we consider your dispute closed. 

Curiously, my problems began when I retired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Experian Information Solutions 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:
There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all XXXX credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.

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 2019-09-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I was marked for {$620.00} on an account I had no involvement with I never opened an account and have been wrongfully marked for something I never had open

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Navient Solutions, LLC.
State: MD
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:
This issue was NOT resolved. One of the issues was the interest rate. Navient alleges they had to charge the interest rates they charged in the previous years. The used the government regulation as a reason to charge these interest rates they charged. They can do better on the interest rate and the government is not opposed to this. Also their repayment plans are an insult and are set up to make you pay more than you can handle. These plans SHOULD be revamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a collection company on my credit report called XXXX XXXX XXXX. I called them and they said that the City of XXXX said I owed them for an account that was my mother 's. She XXXX XXXX  XXXX of 2016. This was not my debt it was hers. They told me to call the City of XXXX. The City of XXXX said they were charging me because I was her power of attorney. Power of attorney ends at XXXX. I explained that and they said that they knew that, but someone had to pay the debt. I was not responsible for her debts and could not pay them after she died. They said they refused to remove it, even though they knew my power of attorney ended at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I came home from college and i recieved a letter in the mail stating my account was closed due to check fraud. I dont know anything about that, i was in school for 5 months prior to this happening and there was no Bank of America where i was located so i couldnt have made any type of transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: Go Capital Holdings, LLC
State: OH
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: Problem with personal statement of dispute

Complaint:
I disputed the information with all three credit bureaus about this creditor on my credit report. They are reporting false and misleading information and causing my personal credit score to drop with the information they are providing this company needs to be deleted off of my report due to reporting inaccurate information and also opening the account back up when it's been closed for 3 years saying closed. On XX/XX/XXXXXX/XX/XXXX GO Financial opened up the old account and reported me 8 payments behind when the account was closed for three years. Please have this company delete all information that they are reporting all my credit bureaus I am asking for this company to be removed off of all three of my credit bureaus due to reporting inaccurate information. Since this information is being reported wrong on my three bureaus it needs to be deleted due to the Credit Reporting Fair Act. Also this account was closed in XX/XX/XXXX it is XX/XX/XXXX and they are still reporting inaccurate information please delete off of my bureaus 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 2019-07-30
Company: American First Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Dear CFPB, I am in desperate need of your assistance. We purchased on line two mattresses from XXXX XXXX. Right after delivery we had to put my Mom in a home so we wanted to return one of the mattresses. We left over 25 voice mails for XXXX XXXX. Not one return phone call. We contacted XXXX and they have been wonderful to us and very disturbed by the business practices between XXXX XXXX and American First Finance. The XXXX suggested we file a complaint with against the finance Company because they said there are no returns and XXXX XXXX told the XXXX we accept returns. It has been a complete nightmare and they have strung this out so we are past the 90 days. They have deceptive and corrupt business practices. They are collecting payments in two locations and we asked them to stop all payments until they help us rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase Compliance KYC team ( XXXX ) started sending me emails on XX/XX/XXXX requesting me sensitive documents in order to avoid getting my Coinbase 's account restricted. 

These were the requested documents : 1. Please provide additional details around your current or previous occupation/any businesses you own/are involved in. Please also provide supporting documentation, eg. a payslip issued within the last 3 months or a letter from your Human Resources department confirming your employment. 
2. Please confirm the source of funds deposited into your Coinbase account and provide us with supporting documentation, ( e.g. a payslip, statements from other exchanges, loan agreement, credit card statements, screenshot of transactions from an unhosted wallet. ) 3. Please confirm the primary source ( s ) through which your overall wealth/net worth was generated and provide us with supporting documentation ( e.g., a pay slip ; brokerage/investment statement ; home sale document, probate or conveyancing document, copy of Will, Grant of Probate, Gift Letter etc ). If your source of wealth originated from investing in crypto or other investments, please provide additional supporting documentation showing the initial investments resulting in your wealth.

4. Please provide us with 3 months worth of bank statements, issued within the last 4 months. 

This kind of emails are suspicious and look like phishing to my eyes and experience, so I ignored them even though Coinbase Compliance team sent me remainders every 5 days. 

On XX/XX/XXXX I've got my account restricted, and I realized that those emails were legit and should have been taking in consideration, so I proceeded to send all the information and documents on XX/XX/XXXX, following their steps : 1. Upload documents to our secure SendSafely portal https : XXXX {! Case.CaseNumber 2. Use the same email address that's associated with your Coinbase account 3. Use a desktop browser ( XXXX XXXX works best ) rather than a mobile browser if possible First response was on XX/XX/XXXX, asking me for the same documents again. 
The second response was on XX/XX/XXXX, it was a 5-day reminder asking for the same documents again. 
Third and last response was on XX/XX/XXXX, it was what it looked like a default response telling me they'd received my documents, so I had to wait. 

So after 11 emails sent asking for updates or information, that's all I've got. 

My account remains restricted after providing the requested documents 31 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over the summer, forget the exact date but can look it up if needed. I have the capital one buypower card. I went into a store one day and purchased something worth a little over 4 dollars. This card is one of had for a while and would purchase things with occasionally. The card payments were set on automatic payments as I have set up on all my other accounts. However, one day I got an email stating that my payment was late. Confused by the email I called the company and the lady I spoke with assured me that my card had automatic payments. When I asked if the payment would be made and everything would be okay. She again assured me that everything is taken care of. My sole purpose of the call was to make a payment. However, the customer service agent failed to tell me that their system for automatic payments stopped working ... they stopped them altogether. And that my automatic payment would not go through before the time limit in which they would send the missed payment to the bureau. I hung up the phone assured that the payment would be made. I just assumed the system was taking it at the last minute like it usually does. A few weeks go by and I again get an email. This time from XXXX XXXX  telling me that there was a hit on my score. When I checked it turned out to be that missed payment. My automatic payment did n't go through like the lady assured me it would. And now I have my FIRST missed payment on my credit report which was not my fault. I was not notified the company took off automatic payments on their own. And when I called in the first time I was not made aware that had the payment not been taken that day it was going to go on my credit report. I remind you ... the balance was XXXX dollars. I was calling that day with the intention of clearing it out. It 's XXXX dollars .... of course I wanted to pay it off. I 've never missed a payment. Ever. As seen on my report. When I called in the second time the lady asked if I wanted to take care of the payment and I assured her that I would. And that lady is the one who made me aware that I was not on automatic payments and that they stopped my automatic payments ... without telling me. When I filed a dispute with the company they called back and took absolutely no blame for their employee misleading me as a customer and allowing my credit score be affected. I feel extremely mistreated by this company and do not feel as if a XXXX dollar missed payment should be on my credit report ... out of all the payments I 've made. Especially if I had automatic payments and was assured by the first individual that it was still active. I tried filing a dispute on XXXX XXXX but nothing came of it. I hope that you all can clearly see how I was mislead and abused as a customer. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Today, X/XX/17, both of my parents received phone calls from Southwest Credit. When I disputed the debt they are attempting to collect, I told to not contact me or any of my family members. They had been repeatedly calling both of my parents who are in no way associated with the account. Upon checking my phone, I also discovered that they called me after being told not to at XXXX XXXX from phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Navy Federal Credit Union Rate Lock Issue XX/XX/XXXX - lengthy email received from XXXX XXXX including an itemized list of action items ; buried in the rest of the text is a notification that my rate isn't locked in XX/XX/XXXX - follow up response email from XXXX XXXX re : itemized list of action items ; bottom of the email in a smaller, different font is same notification that rate is not locked in XX/XX/XXXX - XXXX sent a short email to XXXX XXXX asking if there was anything else I needed to do in this process with me failing to remember what had and had not yet been done up to this point ; she responded no there was not XX/XX/XXXX- I sent another short email to XXXX XXXX asking if there was anything else I needed to do ; she again responded there was nothing else and that the application had moved to processing XX/XX/XXXX- I receive a call from my processor saying the rate was never locked and has now increased from 2.625 % to 3.125 % Upon speaking with XXXX XXXX and her supervisor, XXXX XXXX, they have clung to the original two emails as adequate notifications and have disregarded my two follow up requests where XXXX XXXX either missed that requirement or intentionally did not mention it. Either way, based on how she has responded and is unwilling to correct this situation, it seems as though it either rises to gross negligence or outright deception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: McCarthy, Burgess & Wolff, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up for high speed internet. Summer of XXXX. 

Unfortunately the internet worked inconsistently. I live in the Mountains XXXX XXXX XXXX. I contacted them on 3 different occassions after instalation to get the issue resolved.

They put me through to techincal department 3 separate times. They made changes to the router settings. Nothing worked. Took 4 hours to watch a 2 hour movie as it continued to buffer. The internet speed would stop or was extremely slow. Could not attend XXXX  meetings. Was unable to work from home. 

They failed to provide the proper service they advertised. I had to switch to a different provider. 

I disputed their cancelation fee they charged my credit card. They failed to respond to the baks dispute as they could not prove they provided the service. Now they are sending letters. They are not owed money when they failed to provide the proper services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: DISCOVER BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX/XXXX/2017 - I was notified by Discover Bank that my checking and savings accounts had been frozen for security reasons because I had added an external checking account for transfers. Verified my identity and had them unfrozen.
XXXX/XXXX/2017 - My mortgage payment in the amount of {$1200.00} was supposed to have been deducted from my account, however, only a partial payment of {$640.00} was deducted. I contacted the lender, XXXX XXXX, to find out what was wrong. XXXX told me that they received no payment at all because they were told the accounts had been frozen. The account specialist at XXXX conferenced Discover Bank in to assist as they had not initiated the ACH and had not received any funds. Discover Bank informed me that they did not know where the ACH had come from but that they could not give me the money back until they investigated the transaction and would get back with me in 7-10 days.
I never heard back ...
XXXX/XXXX/2017 - I sent a secure message to Discover Bank through my online account center stating the following : " There is a disputed ACH on my account that was supposed to be removed within 7-10 business days. It has now been nearly 3 weeks and I have heard nothing. This was Discover 's error as they had apparently frozen my accounts at the time because I dare to do the unthinkable and add a checking account to my external accounts, resulting in a declined mortgage payment. However, Discover screwed up and still processed the payment in partial, never giving the funds to XXXX but also never returning the funds to my account. XXXX was conferenced in and verified that the funds were never received as well. I need to know what the status of this request is and when the funds will be returned to my account. " XXXX/XXXX/2017 - Response received from Discover : " Dear -- -, Thank you for your message.
I can understand your concern about your disputed ACH and no response from us.
In an effort to provide you the best service possible, I have escalated this issue to the appropriate parties in our company for further assistance. We will respond as soon as we have any additional information concerning this matter. Thank you for your patience.
If you have additional questions, click on the Help section of the Account Center, reply to this message or call us at XXXX. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week.
Thank you for choosing Discover.
Sincerely, XXXX Discover Bank Customer Service XXXX/XXXX/2017 - I have still heard nothing from Discover Bank and still do not have my money back. This is a lot of money and I need it back ASAP, so that I can pay this next month 's mortgage payment. The delay and lack of response is unacceptable, and according to what I 'm reading on the CFPB website, also illegal. Assistance is greatly appreciated.

Company response to consumer: Closed with explanation