BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
RE : USDirect Express and Comerica Bank On XX/XX/2019 at XXXX XXXX I noticed fraudulent ATM withdrawals on my online account of over {$1400.00}. I had my card in my hands and I was at home during these ATM posts. So the card had been duplicated. I called my bank and reported the fraudulent activity. 2 hours later at the end of my call the employee stated I would receive the stolen funds within two days but at the latest by XX/XX/XXXX if I got the proper documents to her that day. 20 minutes later my attorney faxed all the papers and received fax confirmation. I called XX/XX/XXXX after still having no funds to live off of and hours later was told they had ten business days by a very rude employee. My attorney has faxed two more letters along with information and again had fax confirmation as wells as mailed via USPS. It is now XX/XX/XXXX, I am facing eviction because my money was stolen and the bank is not doing their job or standing by their Liability. My attorney has been trying to call them for days and it says " we are experiencing high call volume '' then hangs up. I am a XXXX XXXX  man with no way to feed my family or provide for them and this banking company is not standing by their publications that states " it will be reimbursed within 10 days. '' I have received no documents, emails or phone calls from this bank and its almost impossible to speak to an employee. This company should not be allowed to process any of the federal government 's funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX, the Account is up to date. We have been making the required payment of {$20.00} a month per XXXX request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: PENTAGON FEDERAL CREDIT UNION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a car refinance I noticed multiple credit Inquiries on my XXXX   report all in the same day I only applied for 1 loan not 4. I want 3 inquires removed from XXXX report please XXXX Don't remove inquires. 

1 inquiry PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 2 inquires ( XXXX ) XXXX PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 3 inquires ( XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX 4 inquires XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX All in the same day. 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 2019-08-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a hard inquiry from a company I dont recognize on my credit report and it is affecting my score negatively.

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 2020-05-13
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i have disputed several transactions with XXXX since XXXX of this year and have been unsuccessful to get back any of my money. 
XXXX has repeatedly switched the amounts and fails to clarify the denial of my claims. XXXX has also been closed and unable to reach on multiple occasions to try and protect my funds and was unable to due to there not being a representative to speak with. 
XXXX has not asked for a statement at all regarding the transactions in question and has denied my claims stating that there was no error even after i had insisted i have receipt and cancellation evidence for some and also i had been issued two cards without my request and later was blamed for the transactions i disputed since i was still accessing my account with my other card. XXXX  would deactivate my card and then block it and prevent me from accessing my funds. i would reactivate it and later again it would be declined. i have requested only to receive written response from XXXX  but they havenot sent me any documentation via usps. they continue to send me over twenty messages via their inbox online which i can not understand since htey have changed the amounts and gone back and denied then sent me a message saying they are investigating my claim and have received documentation i sent. which is not true i didnt send anything except usps via priority mail where i requested only written communications.

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 2020-08-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on my current AUto loan with Wellsfargo on XX/XX/2020 during a global pandemic. How is it possible that you still mark your clients late during the toughest time in the world? Anyways, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2017-08-03
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
SUNTRUST BANK is charging business owners {$75.00} to make payroll changes for employees that are paid with paper checks. I 've asked on numerous occasions if this is their policy and if so, please provide proof. They have yet to do so.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX 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 explanation
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
The charge was in XX/XX/2020, in the amount of {$500.00}. The charge was from XXXX  XXXX. I have no idea who XXXX  XXXX  is. I do not recall ever, giving anyone permission to withdraw that money from my account. I spoke with my bank, Bank of America, and they said the charge was from an electronic check, which is odd because I never pay for anything using the electronic checking method. 
PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2020 I had obtained a 3 bureau credit report and notice that XXXX, XXXX and Transunion are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my 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 2021-06-21
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
To follow my previous complaint ( ID XXXX ), 1. I ask that CFPB not let JPMorgan Chase investigate itself. It has to be third party or independent agency to check on Chase. They replied with " no error '' on their part to simply excuse themselves and to escape their responsibility. 
2. The following secured message I received from Chase on XX/XX/2021 : " Please note that this return of funds may take time to achieve, we can not advise how long as each bank has their own procedures to follow. '' However, Chase bank has closed my case recently without returning any stolen funds as they indicated in the message. This is a joke to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started attending XXXX XXXX in XX/XX/2009. I went a year without any problems. Then I went through some life changing problems and had to stop schooling for a short time, about a month or two. When I went to re-enroll they had canceled my program, XXXX XXXX, and could no longer get a associates in that area of study. So I switched programs but they just were not for me. Now I have all this debt, no degree and credits that nobody wants. I'm stuck and very upset about it. No one wants to work with me on figuring out a solution other than asking for the loan payback. 

While attending the college, they were unprofessional and it seemed like they just wanted you to just cruise through the courses. What I mean is it seemed like they just passed you no matter if you learned the studies or not just to get you out of there. I feel like I learned nothing from this college other than how to spend a ton of money while getting absolutely nothing in return. I was trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Express Recovery Services, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account on my credit report that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Resurgent Capital Services L.P.
State: KY
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:
XX/XX/2020, {$11000.00}, the actions were taken by myself challenging the accuracy, compliance, and reportability of this listing with LVNV Funding LLC. 
According to the Fair Credit Reporting Act in Section 609, I am exercising my rights. Please provide me with copies of the original sources for the item reported which includes contracts I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
what is the mailing address of your cfpb which is impossible to find in your beaucratic website give me the information by e-mail only sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.

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 2021-09-02
Company: Nelnet, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from NELNET that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Im writing to you to see if your agency would be able to review First National Banks practices and correct all the related charges created and caused by First National Banks personnel. Over the past several months, Ive repeatedly tried to get various individuals within First National Bank to correct and make good on the issues relating to a five year loan which I had taken with this bank. This five year loan recently approached its maturity date which I was initially told I could renew. Just shortly of the maturity date, First National Bank informed me that they would not renew this type of loan. Due to all the delays from the local branch managers, false promises, run-arounds and customer service failures, I was informed that I now owe a late penalty fee of nearly {$13000.00} or First National Bank would take legal action against me. I wanted to make one more attempt to explain the circumstances and issues created by the branch managers to resolve this issue by writing to the president of First National Bank. 

Due to the notice of legal action, I proceeded and made arrangements to pay off this loan together with the wrongful late charges along with other increased interest charges. I only did this since it was clearly futile to continue dealing with the various First National Bank personnel. 

Meanwhile, Ive recently learned that it appears that these branch managers ( both XXXX XXXX and XXXX XXXX XXXX have not reported the full truths and promises made by them to their upper management which has resulted with this bank standing firm by charging me nearly {$13000.00} for an additional late fee together with other charges regarding the payoff of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Legal Action Bureau Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My first initial contact was from Legal Action Bureau on XX/XX/2018 saying that XXXX XXXX XXXX was coming after me for lack of payment. The debt collector stated that if I didnt pay the owed amount within a 24 hour period then I would be subject to my credit score being  docked 50 points, assets being seized and garnished. He told me 3 different dollar amounts that would satisfy his client ( XXXX XXXX XXXX ). I told him I wasnt good with any of the options and that I wanted his info for a cease and dsist order and verification of debt. He told me that was not necessary and by law he had to stop. I didnt get any letters or information for 2 weeks and got a call on XX/XX/2018, I told him I was at work and didnt have time and hung up. He then sent me 3 consecutive text stating that he sent me an email. I then checked my email and saw n attachment with a contract from XXXX XXXX XXXX ( which is a docu sign with my name misspelled and signed ) I told them I wanted to see a copy of a paper contract that supposedly signed but never got it. I then recieved a call on XX/XX/2018 around XXXX XXXX from a different number for Legal Action Bureau and again I told him I was busy at work and did not have time and them hung up on him. He then called me right back and said that he was going through with affecting my credit score and taking legal action against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Advance America, Cash Advance Centers, Inc.
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with 2 federal charges re : knowingly defrauding a bank. I asked which company reported this and they said Advance America which is a payday loan co i have used. Said i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Synerprise Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agency has failed to remove the debt from my credit report after I paid in full. Collection agency representative can not give me a date as to when it will be removed. Agency representative said it was " a good thing I called or it would have just sat here with a XXXX balance, if I want it removed I can go ahead and have the credit company call them ''. Company never informed me of intention to report to credit agency. This has all happened during COVID when finances have been at their worst.

Company response to consumer: Closed with explanation