BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company did not allow me to pay the bill online. When checking out the best buy cashier asked me if I wanted promotional no interest financing I said yes and handed them my ID to enter in information. They entered the information wrong and I never got any bills or a card. Next thing I see a late payment on my credit report. I immediately call best buy to try to get the issue resolved. They deny me a online log in because I did not have the card that was never sent to me. The promotional financing advertisement pamphlet clearly stated I would be able to pay the account online as it is the most convenient way as well as I have a natural habit of paying my bills online and would not have agreed to getting the card if I was unable to do so. After the fist set of missed payments on my account I tried to set up automatic payments over the phone to avoid getting late payments. The fist payment went through then all subsequent payments did not. I pay all my bills through the internet because I am a college student who also works full time and has kids. If someone is not going to take payment via a web portal I do not have the brain capacity or the time to remember to call every month to make a payment.

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 2018-06-25
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
RE : XXXX XXXX XXXX XXXX Dear Sirs : I am writing this with assistance. I am XXXX and receive XXXX benefits on a XXXX  XXXX. I was locked out of my online account and needed my routing #. I called the company ( XXXX XXXX ) and their phone representatives. My complaint ( s ) are as follows : 1 ) I had to call 3 times to get an agent. There is no option on the menu to speak to a XXXX representative for online account for lock out, or problems not listed in their automated menu. 

2 ) It is very difficult to get a live agent to help resolve account issues. Their phone system will cut you off without warning, put you on hold for lengthy periods, representatives change unexpectedly. I had to use the " LOST OR STOLEN CARD '' feature to finally get live help.

2 ) While on the call to XXXX, I requested a good friend help with speaking to the representative and explain my complaint. Despite my authorizing this, the XXXX agent 's identified as " XXXX '' " ID # XXXX '' refused to speak directly with him. She was rude, hostile and uncooperative to him. Further she also threatened to not help me, unless my friend refrained in the background from assisting me. I am XXXX and have a XXXX XXXXXXXX. This representative talked too fast, and I have difficulty with instructions due to a XXXX  XXXX. Her attitude and conduct on the call was disturbing. Her refusal to allow me to have someone I authorized assist me during the call is denying me my rights under the XXXX XXXX XXXX. 

3 ) The XXXX website advertises help, including providing routing numbers and other basic information. A direct quote from their home page on XXXX : " We are a website dedicated to helping XXXX XXXX Card holders find information they need regarding their card, including account login information, customer service contact number, direct deposit and routing number information, and any relevant news about the ... '' This bank should allow XXXX XXXX or XXXX persons authorize others to help on their behalf with difficult problems. On their call menu, they should not be allowed to limit account access to customers by designing a menu that limits options and no option for live agent help during business hours when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: DISCOVER BANK
State: KS
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 made a purchase from a company back in XX/XX/XXXXand put it on our Discover card. The company 's name was XXXX. I purchased two supplements for my dog : XXXX XXXX and XXXX XXXX. My dog has taken these supplements in the past. The supplements purchased from XXXX made her sick twice within one hour of taking them. I immediately took her off of the supplements and notified my vet. I have filed complaints against XXXX with my state attorney general in Kansas, the Iowa Board of Pharmacy, and the FDA. I disputed the purchase with Discover around the beginning of XX/XX/XXXX. 
I am not returning the products because the FDA will need them for inspection when requested, specifically because XXXX did not purchase these supplements directly from XXXX XXXX. Instead, they purchased them through a third party. XXXX XXXX states because they were purchased through a third party that they can not guarantee the product is not tainted, counterfeit, or expired. I am including a copy of my reports for your records. Initially, XXXX tried to make me believe this product was purchased directly from XXXX XXXX when I inquired, but due to their vague answer, I continued to press. They then refused to say where they bought it from citing they can not disclose business relationships. 
Discover initially removed the charge from the credit card. The only formal notification they sent me was on XX/XX/XXXX. It stated they were removing the charge from my credit card but would reapply it if XXXX gave them supporting documentation of the validity of the charge within 60 days of the letter. As stated before, this charge was disputed around the first of XX/XX/XXXX, so clearly this letter should have been sent out earlier. 
A couple of days ago, Discover reapplied it recently without notifying me. I only found out about it when I logged into the account to make a payment on another purchase. Prior to filing the dispute with Discover, I repeatedly requested XXXX remove the charge from my credit card. I did this in writing by e-mail at least three times, and they never once responded to the request to remove the charge. In addition, Discover asked for no supporting documentation from myself to support my claim for the dispute. The way Discover has handled this dispute does not leave a good impression on me. This account has been open only a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX my husband applied for a student loan from Wells Fargo in the amount of {$2500.00}. He listed me as co-signer WITHOUT my permission. The credit agreement was signed electronically, so Wells Fargo DOES NOT have my signature confirming my position as co-signer. My husband and I have since divorced and he agreed to pay this loan as part of our divorce agreement. The loan is now in default and has never been paid. This loan has negatively affected my credit score as it has been reported as a default. I requested that Wells Fargo remove me as co-signer from this loan. I completed every step which they required to do this, including filing a fraud report against my ex-husband. They have refused numerous requests to remove me as co-signer. I received another letter from Wells Fargo dated XX/XX/XXXX offering me a settlement to resolve the issue. I request your assistance in having my name removed as co-signer and having my credit report reflect this decision. 
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 2021-06-03
Company: The CMI Group, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the past month, I have been receiving calls from a number identified as, " CMI Group. '' I have answered this call repeatedly and asked them to reference what it is about as they constantly call when working. They refuse to state their business, and repeatedly ask me personal and identifying questions, which I refuse to answer. I have repeatedly asked for a debt validation letter, as I receive no information about the purpose of this call. As soon as I ask, they hang up. If this would have just stopped there, I would rack it up as a misdial. Instead, they call 2-4 times a day, repeating the same process. Today was the last straw. They called around XXXX. I AGAIN told them a ) I'm working and b ) I would not now, nor ever, provide them with personal or identifying information. If they were legit, they could tell me WHY they were calling as they'd have the information they were asking for. Yet again, they promised not to call during business hours. That lasted less than 3 hours until they called yet again. This is harassment, plain and simple. As far as I'm aware, I owe them nothing and will hold that stance until they identify why they are calling. This hasn't happened in the approximately 100 calls I've had over the last month. Make it stop, please. This is disruptive to my business and personal life and an absurd amount of times to call when the company won't even answer questions about the supposed " debt. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid through checking account that was used for verification of an account being open. Debt should no longer be in collections and having negative effects on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I made on online {$31.00} payment to Wells Fargo Credit Card. On XX/XX/XXXX I noticed that the pending payment shown on my Wells Fargo Credit Card was {$3000.00}. I checked my bank account where the payment was taken from and I saw that my balance was a negative amount. Wells Fargo had taken a non-authorized payment of {$3000.00}. I immediately called Wells Fargo Credit Card and they informed me that there was nothing they could do until after mid-night on XX/XX/XXXX. 

I called back on XX/XX/XXXX am time, and I was informed by the Credit Card Department that the reversal on my account would take 2 business days. 

I called am on XX/XX/XXXX to follow up and was informed that it would take 11 business days for the bank to return my funds to my bank account. I informed the person I spoke with that this was not acceptable and demanded to speak with a manager. 

I was then transferred to Wells Fargo Compliance Department who informed me that all she could do was file a complaint against the misinformation. I demanded that this matter be escalated and I was then informed that an executive from Wells Fargo would call me. I have not heard 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 monetary relief
Consumer complaint received 2018-05-09
Company: Premier Student Loan Center
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I was called several times by " Premier Student Loan Center '' and one day I actually took the time to listen. They informed me after an hour phone call and digging into my loans and work history, that I was eligible for " Obama 's Loan Forgiveness Program. '' I heard about this and thought that I didn't qualify since I work in XXXX/XXXX and not for the government or a non profit sector. They took about 20 minutes and returned to tell me that I was approved despite my work field. I was told that 73 % of my total loan was forgiven and I would have to pay the balance to them plus fees to file the application resulting in {$190.00} for 6 months and {$80.00} a month for 240 months. Similar to paying a tax attorney to comb over your taxes, I proceeded. I was initially excited and thought that my loans would be paid and the decrease would significantly help me financially. The application takes 30-90 days to process and almost a month later I checked to see if my loans still showed up on my credit score, and they did. Contrary to what I was told the loans would be paid in full and reflect a XXXX dollar balance. I called my loan officer who informed me that I didn't actually qualify for the program and that you have to make 120 payments to even apply, I made 0 thus far having just graduated. They also said that an application was never processed in their system. After researching scams I learned that this company and others like it never submit your paperwork and collect money from you while your loans sit in forbearance. I am sure many people catch this over time as the government will notify you of this, but normally by then you have shelled out thousands of dollars. Luckily via my friends urging me to look even further into it, I made one payment and reported that as fraud to my bank. I currently have a lawyer looking over the paperwork so that legal documentation can be drafted to dismiss the contract due to their services never being rendered. If you receive these calls or find these sites, STAY AWAY. If you work for the government or a non profit you can simply sign up online for free after making 120 payments. If you were a victim of this scam, change your card numbers immediately, contact your bank about the fraudulent charges, save every email from said company, and contact a lawyer! Don't fall prey to the scams of the world!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Capital One Bank closed account and cancelled by credit grantor in XXXX/2012. Account is showing as " profit & loss '' but is still showing on my credit report. This needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have honored my agreement to pay {$10.00} a month every since I advised the actual loan company and their corporate home office of the minimum payment that I could afford to pay based on being affected with the effects of corona virus/covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, I contacted capital one concerning my late payments due to the pandemic. I was told that there is nothing they can do about it and they can't take it off my credit. I can't get a mortgage loan due to these late payments. 
The company could not help me with this unfair situation. Right now I'm up-to-date with my payments and they can't still do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was trying to refinance my car today XX/XX/20 and I was unable to do so because when they ran my credit, I was told that there were accounts and inquiries reflecting badly on my credit history. I had no idea what they were talking about but after looking through my credit report myself I saw five accounts and a few inquiries on there that I never opened. The five accounts listed on this report do not belong to me nor did I give anyone permission to open them in my name using my personal information. At this time, I still don't know who is responsible for opening these accounts but I have already filed a police report. I did not benefit anything as a result of these account being opened in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments that might have been made towards these debts. I am not affiliated to any of these companies in any way. I never signed any contract with them and I never allowed them to access 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 2020-10-14
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX has lost and refuses to find {$940.00} missing from my XXXX. I made personal payroll contributions and my employer ( XXXX ) made contributions to my XXXX on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. My payroll contribution on each of the previous dates was {$110.00}, and XXXX ' contribution was {$19.00} on each of the previous dates. 

When I call XXXX XXXX ( and XXXX, who administered XXXX benefits for XXXX on the given dates ), representatives dismiss my complaints. The last two XXXX XXXX phone representatives I spoke with today, XXXX and her manager XXXX, were angry, argumentative, and rude. XXXX told me that XXXX ( my employer ) closed my XXXX with XXXX XXXX on XX/XX/20. This is false. I *did* transfer assets to XXXX on this date, but never requested my account to be closed, knowing full well that future payroll deductions would still be sent to XXXX XXXX XXXX Starting on XX/XX/20, XXXX changed to a different XXXX provider - XXXX - and my payroll deductions along with employer XXXX contributions were then sent directly to XXXX, BUT NOT BEFORE THAT DATE. 

Furthermore, when my XXXX XXXX XXXX  was closed on XX/XX/20, I was charged a {$25.00} account closing fee, despite the fact that I never requested for my account to be closed. I only ever requested that assets be transferred from XXXX XXXX to XXXX ( and that certain assets from my XXXX  investments be liquidated so that they could be transferred to XXXX as cash ). 

No one at XXXX XXXX ( or XXXX ) seems to know what they are doing, how to help, or to be willing to do anything except to argue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: GA
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/XXXX, I sent the following information to EQUIFAX in an attempt to correct information on my report, they have failed to remove, update my report with an accurate status : My information has been accessed and has been used without my knowledge. The information listed below which appears on my credit report does not relate to any transaction ( s ) that I have made. I am requesting the following accounts and inquiries be blocked and removed immediately : Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX Inquiries : XXXX- XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX In addition, I was impacted by the Equifax breach. I was advised by legal counsel to notify the police department as well ( see enclosed police report ). There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX/XXXX- XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EMPLOYER  is XXXX XXXX since XXXX located at XXXX XXXX XXXX. XXXX, XXXX , GA XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX XXXX from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice dated XX/XX/2020 from Halstead Financial Services stating that I owe XXXX/ XXXX  XXXX {$900.00}. I have never done business with either company. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$30000.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation