BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: AES/PHEAA
State: FL
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:
I submitted a payment to XXXX XXXX XXXX in the amount of {$130.00} on XX/XX/2018. However, I was charged twice for this payment. I noticed the error on the same day as the second transaction was posted to my account and immediately notified the company. I was told that they will issue a refund, but that it would take 60 - 90 days to get back to me. That is 2 - 3 months. The irony of the situation is almost too much to bare ; during my time as a customer with XXXX XXXX XXXX I, too, was unable to pay them for a period of 90 days. I was reported to the credit bureaus, without notification, and as a result my credit situation has been damaged for the better part of a decade. 

Thus, I must contend that XXXX XXXX XXXX, lacks an adequate process to manage a timely resolution for their customers in the event of an accidental, or erroneous charge.I also assert that they lack adequate customer service capacity, as every call I have ever had with them has been frustrating, fruitless, and entirely unhelpful. 

Because XXXX  XXXX XXXX is either unable, or unwilling, to return my funds to me in a timely manner, I have also disputed the charge with my banking institution, and have asked them to assist me in recovering the funds that were erroneously withdrawn from my account, and were not being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX emailed me about updating my account info. I don't have captialone account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
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:
Ive been having this comenity bank charge on my account for years, years ago i was employed at XXXX XXXX, we are talking over 7 years ago, it was a requirement for us to try out for a corporate credit card upon employment, i was denied of course never received a card from my director and or company, a few years after i left the company i noticed these charges from comenity bank that were in collections Ive tried to rectify this situation for years now, no luck Ive contacted XXXX XXXX corporate, Ive spoke with the card issuer, yet still no luck i have now been getting Unknown phone calls and voicemails stating that they are taking me to jail and are going to contact my employer as well, theyve contacted my sister and left her threading Voicemails as well, now i have comenity bank and also XXXX XXXX, which is the collection agency that took over this account, yet both of them still report negative after years and years of trying to get this wrongful account removed from my credit, i cant take the harassing phone calls every morning for the last week now, and also contacting my family, this is ridiculous, this is my final step before i do contact an attorney on this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for this issue but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accounts below has violated my friendly protected consumer rights to privacy and confidentiality under 15 USC 1681 right Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. States i have the rights to privacy 15 U.S.C 1681 A. Section 2 : it also States a consumer reporting agency can not establish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: IL
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 rewards from credit card

Complaint:
My membership rewards account is currently " under review, '' and points redemption is currently frozen. I called several times to inquire and was told the following information : - The beginning of the review period was listed as XXXX/XXXX/2019. 
- I was initially told the review process takes AT MOST 6-8 weeks.

- I called after 8 weeks, and was told by a supervisor that the 6-8 week number was incorrect, but it is actually 6-10 weeks.

- I called after 10 weeks, and I was told by a supervisor that they can not provide me any information at this time.

It has now been more than 11 weeks since the review was  initiated on my account. I have been given no information as to when the review will be complete. I have earned more rewards points since the beginning of the review period that I can not access, in addition to the rewards I already had when the review began. This is an extremely unnecessarily long review period, and the fact that there is no end date provided is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a Capital One account ( XXXX XXXX ) the account is over 90 days late. I recently took a job on XXXX ( XXXX XXXX ) working on an XXXX XXXX XXXX base. I have been unable to get in touch with Capital One to discuss paying this account off. All their XXXX, XXXX numbers will not connect from here. Their website takes me to a XXXX number I have tried to email them but I can not find a email address on any of their bills. They are charging me more interest and late fees, how can I contact Capital One?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed ( bad debt ) XX/XX/XXXX. the amount owed is XXXX. this company " Snap On '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX.I have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.

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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2018-05-23
Company: CITIBANK, N.A.
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: Add-on products and services

Complaint:
I recently discovered that Citi has been charging me a monthly fee for a " Payment Safeguard Protection '' program that I did not enroll in. I contacted the company and they have canceled my enrollment but were unwilling to refund me for the unapproved charges.

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 2020-09-21
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Advance Collection in XX/XX/XXXX disputing information being reported on my credit report. Advance Collection sent me some registration paperwork but fail to provide me with proper documentation for the amount that they are claiming that I owe. I contacted the credit bureau in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting documentation for the information being reported on my credit that is damaging my credit I never received any documentation of proof that I owe the money being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE XXXX SECURITY BREACH

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XX/XX/2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-05-22
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I did a failure XXXX XXXX at XXXX XXXX in XXXX with XXXX XXXX XXXX ( XXXX ) I told XXXX that all my planted grafts came out and I need my money back but he advised me thats normal and I have to wait 2 months to see the result. 
So I called my bank ( chase ) to dispute this charge but I still didnt get the full amount of the refund. 
My hair looks very bad and ugly and I cant get out from my home without covering my hair. 
So please I need the full amount of the refund {$2100.00} I order to do another hair Transplant to fix my hair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was a victim of Identity theft and sent XXXX over a copy of my police report and Identity theft report and they keep reporting this to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a Bank of America checking account. The Bank started charging me fees and then overdrew and closed my account. I called and thought that everything had been corrected and then I received another notice that it was being closed upon my request. I do n't know where my balance went as it also disappeared when my account no longer showed in on-line banking. I submitted a complaint to Bank of America about a week ago and never heard anything other than a request to complete a customer survey about my experience. I want my account reinstated as I was under the impression as a Preferred Rewards Platinum member I was not to be assessed the types of fees I incurred. I would like my funds back to please.

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 2021-06-02
Company: Chime Financial Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I tried multiple time to get what was actually due for the card and never provide information. I was making small payments and didnt offer payment plans at all. Then charged off my account in less then 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Bank of America took {$1400.00} out of my escrow account that was not to pay my Home Owners Insurance or my Real Estate Taxes, the only two bills I authorized them to pay. I did get refunded by the company they paid, but because I had other outstanding transactions with that company, it got confused and I never released it was a mistaken payment out of my escrow. I learned of the mistake when they increased my escrow to cover it months later. 
I specifically told the bank to never do that again and only pay the two bills authorized. 
On XX/XX/XXXX, they again paid an unauthorized bill from my account. This has become a pattern of behavior with them and they would take no responsibility. 
I am afraid that if a fraud artist gets my info, they will submit bills and Bank of America will pay them like they did these unauthorized bills and they will again take no responsibility. They keep doing it year after year, just randomly paying whatever they feel like. 
This is not the trust an escrow account is supposed to be about. I have sat on hold for hours trying to get this resolved ( they issue me request ticket numbers that are meaningless ) and no one fixes it or contacts me about it. I even went into the local branch and spoke to the branch manager but that did no good. 
I am at a loss as to what to do to protect myself from them taking out unauthorized money and giving it away. 
I think they need a wake up call and maybe fined for giving away my money.

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 2019-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: DC
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 am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions 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:
I applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
My Monthly payment for my credit card ending XXXX is showing as past due for the month of XXXX 2016 and I now owe the company a payment of {$58.00}. My monthly payments are due on the XXXX of each month. I made a payment of {$50.00} on XXXX XXXX for the XXXX 2016 statement and a payment on XXXX XXXX for the XXXX 2016 statement. However, Capital One is claiming that because my XXXX payment posted before the XXXX of the month it was applied to my XXXX statement deeming my intended payment for XXXX as not paid and reflecting my account in a delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Experian Information Solutions Inc.
State: AZ
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 contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting 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 non-monetary relief
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: KY
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:
Equifax.

1. Wrong name on the report. Been trying to correct this same issue over many years.

2. Asked to REMOVE the fraud alert. Instead of removing it, their customer service ADDED it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collector called my place of employment and spoke to someone there that had the same name as myself. They disclosed they were calling in regards to a debt and where they were calling from. This is strictly prohibited by the fdcpa. My coworker told them I can not receive calls and work and to not call again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation