BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: DISCOVER BANK
State: GA
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 applied for a Discover Student credit card but was not immediately given an approval or denial decision and never received any correspondence via phone, mail or email. I just started college and applied so I could have a card to help pay for my tuition so this would've been my 1st credit card. As I was checking XXXX XXXX one day I noticed a Discover account on my report and it has a balance of {$2100.00}! I never received a card but someone obviously does. I would love to have a credit card with Discover but not one with a balance that I am not responsible for. No one was at my home XXXX of the time during XXXX and XX/XX/2018 and we have several missing mail pieces during that time. I have no credit but now because of this card I have bad credit as a result of fraudulent charges that need to be removed asap. Please help me get this fraudulent account removed from my credit reports. Additionally, Discover has contacted family members and discussed this account with them without my approval. One person that they called couldn't even verify any of my account information and Discover still told them everything about the account. I see now how easy it must have been for the criminals that ran up these charges. I filed a FTC Identity Theft Report on XX/XX/2018 and the report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2017-08-02
Company: Tribal Lending Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received repeated phone calls after cease and desist faxed to XXXX and emailed to XXXXXXXXXXXX which is Majestic Lake Financial.

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 2019-10-22
Company: Windham Professionals, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was getting calls on my cell phone for money that I did not owe. I personally am debt free. They used different Florida phone numbers until I decided to change my phone number and the calls continued on my new number.

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 2019-02-14
Company: EQUIFAX, INC.
State: NC
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:
There is a credit reporting agency claiming I owe {$3200.00} on my credit report this month!! I dont owe it!!! There is a flag on my account to confirm identity. XXXX credit agency has never contacted me!! 

XXXX XXXX XXXX  reports from 7 years ago I owe {$420.00}, they went as far as showed payments - I never made payments - its not my account!!! 

Ive contacted both companies who cant prove its me and I cant prove its not me!! I have no paperwork or evidence for credit I dont have!!!! 

You did nothing when XXXX stole {$2500.00} from me so I doubt you will do anything now!!!! Im sick of big companies stealing my life!!!! My credit is perfect and I pay all my bills!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE Group is attempting to collect a debt that has already been closed and consider satisfied. This debt was collected by XXXX  XXXX  by XXXX XXXX XXXX. XXXX  XXXX  was unable to support the debt with proof. I sent them a letter demanding proof of debt, and they could not provide it and closed the account out and removed it from my credit. So, the creditor sent the debt to a new collection agency and is trying again to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid of my credit card account with a settlement. I made the payment back XXXX XXXX2016. I  have the paperwork showing that i made the payment. I would like this taken off my account showing that I have not paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint # XXXX has been closed. 

I would like to re-open this case. 

Re-cap : XX/XX/2018, I paid my XX/XX/2018 mortgage. 
And added some to apply to principal. 

Di-Tech mismanaged the payment and applied 100 % to the principal. 
And wanted a 2nd payment to cover the XX/XX/XXXX bill. 
PLUS a late fee that should have never been issued. 

Di-Tech never admitted to the making a mistake but sent the late fee to me in the form of a check. {$35.00}. 
They referred to as WAIVING THE FEE. 
It should have been referred to as a REVERSAL. 

FAST FORWARD TO TODAY : They stopped-payment on the check!!!! 
AND, My bank reversed the deposit! 
AND, My bank is charging me {$12.00} for the inconvenience. 

I'm requesting a cashier 's check for both amounts AND an apology for all of their mistakes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Nelnet, Inc.
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi I am from ND and I am getting this information that i supposed to have signed up with this company called Nel Net/XXXX XXXX XXXX and i have never in my entire life have i heard of this company and the are saying i have 4 or 5 loans out with them and i don't. They are scammers trying to get money from me and i NEVER EVER signed a promissary note with this company. I want them stopped and investigated and they remove all information from them and all off my credit report ASAP. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: NY
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 been a victim of identity theft

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 2019-02-14
Company: Experian Information Solutions Inc.
State: MS
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 do believe that my credit reports are unjust. I have 5 active creditors. And as upset as they are. I have every intention to pay them back. I have been going through a financial hardship. As we all do sometimes. However I am working with a legal team to resolve this debt. XXXX  XXXX XXXX. I do have an active account with them to resolve the situation. I have been working with them since XX/XX/2018. And I have enough funds to pay off four of the debts. It may take me another two more years to pay off the larger one. I have been asking them to work with me at this time. And I just want people to be aware of the fact that I am working hard to resolve this debt. Thank you for your time. I do appreciate it. Sincerely, 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 explanation
Consumer complaint received 2019-02-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed several disputes with XXXX, XXXX, XXXX and CFPB regarding Toyota Financial Services inability or refusal to report my payments accurately. Each time I file a dispute/complaint they remove on time payments from my report and they now say no data. This has greatly impacted my credit history and score. At this point, it feel retaliatory. Across the three major reports XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 on time payments are not being reported with variances. Some reports have three payments missing and some have 2. They sent a long letter a list of payments of my last complaint and that still is not fully resolved. The same situation exists. Across the three reports, they have different two months reporting late between XX/XX/XXXX and XX/XX/XXXX or XX/XX/XXXX and XX/XX/2018. As I stated, I feel that this is retaliatory. Ive have contacted them directly and filed numerous disputes over several months. It is exhausting and time consuming. More importantly, it is adversely impacting my other credit. Account limits have been decreased or I can not move toward a goal due to score not being reflected properly for missing payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX/XXXX XXXX {$280.00} XXXX   XXXX {$370.00} XXXX/XXXX XXXX {$190.00}

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX/XXXX  XXXX {$280.00} XXXX   XXXX {$370.00} XXXX/XXXX XXXX {$190.00}

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 2020-05-06
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was given a predatory loan and it has been sold from bank to bank. When I initially obtained the second mortgage I was told I could refinance it and the interest rate that is now set at 11. % would come down. 

I was never allowed to refinance. Starting in XXXX of 2018 my social security payment was lowered considerably. I became delinquent l. The mortgage servicer that bought my loan kept saying I could qualify for a loan modification or other relief. They made me apply and apply until I got to a point I could it afford the ridiculous repayment plan they offered. All with XXXX XXXX is lies and an attempt to make money and take your home away. They lied since the origination of the loan. They can not be allowed to deceive while offering second mortgages. They also continued with foreclosure while I was in loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Lazega & Johanson LLC
State: GA
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:
Lazega & Johanson LLC is a company I don't know. I went to my local Police Department and was told to get a Police Report where I discovered the accounts, inquires, etc at the time my credit was pulled. I did so. I have sent this company my Police Report and FTC report per law enforcement. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, etc or anything with this company nor given permission for my credit to be pulled with this company. I have two unauthorized inquires on my Credit Report from this company. The dates are XX/XX/XXXX2018 and XX/XX/XXXX2018. This is illegal. My Credit Report has been illegally pulled by this company. This is very illegal according to the FCRA and illegal in general. You must have a persons consent to do so. I did not authorize or give authorization to any company ( s ), person ( s ), or myself to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter from a collection company stating I owe the a sum of {$2500.00}. According to the letter it is from an XXXX account I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Based on the selections, this best fit my issue, but not sure it was intended for issues with PMI. XX/XX/XXXX I applied for PMI removal. I never heard anything back from anyone so I called back at least 3 times, the third time was on XX/XX/XXXX and is when I asked to be escalated to a manager. The manager finally got the BPO ordered, and the appraiser came to my house on XX/XX/XXXX. I was told it would be a few days and I should hear something. I have not heard anything back as of today ( XX/XX/XXXX ) so I called back and was told nothing is on my account since the BPO was ordered. My house has way over 20 % equity and I have paid {$270.00} towards PMI since requesting for removal and there is not end in sight. This money should not have been paid, nor should I pay anymore going forward. Their ineptitude and inefficiency is costing me ( and I assume many others ) money and should not be allowed or tolerated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
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 told XXXX XXXX this not my card and I have told portfolio and they refuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have spoked with Chase banking representatives who keep transferring me to different departments and are unwilling to remove the hold on my account. They are rude and disrespectful and are not allowing me to use my chase debit card with the XXXX logo. I have completed the steps with my email address to verify that I am able to use the card. Why is the fraud department harrassing me and asking me to step inside a branch. I am XXXX and do not feel comfortable steeping inside a branch. This is a invasion of my privacy. Please assist me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/2019, I called Synchrony Home customer service XXXX regarding a purchase made at Lumber Liquidators store in XX/XX/2019 with their credit card. I learned my purchase did not qualify for the promotional purchase advertised in the store because I didnt open a new line of Synchrony credit with XXXX XXXX. The customer service agent stated they could extend the promo that was scheduled to expire in XXXX to XXXX so I could pay it off without paying interest. I paid off the balance XX/XX/XXXX but received an interest charge on the XXXX billing statement. I called customer service and the agent said he would credit the interest and fees charged immediately and my next statement would reflect that. Today I received the XXXX statement and the credit from XXXX was posted but I was still charged another interest charge. I called customer service again and they again promised to credit this months interest and reset my account to prevent more errors. I asked them for another statement and they said they couldnt generate a new statement with an accurate account balance. Im beyond XXXX at their lackadaisical account management and poor documentation.

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 2020-01-28
Company: Experian Information Solutions Inc.
State: TN
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 been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX  XXXX/XXXX {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX  XXXX XXXX {$890.00} XXXX/XXXX  {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX {$380.00}

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 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated an ACH transfer to my CapitalOne High Yield Money Market account on XX/XX/XXXX, expecting the money to be available for withdrawal within 3 business days - as I understand the regulatory guidance to be for ACH transfers. 

Yet, when I called customer service today to confirm when the funds would be available, I was told XX/XX/XXXX. This is more than 7 business days. When I asked the service rep - I was told that for my type of account, 2-5 business days is the usual length of the transfer window, which still does not fully explain the 9 day ( 7-business-day ) wait he mentioned. 

Should it be legal that a bank would hold on to a person 's money for that long?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Coinbase account as been on temporarily disabled for over 6 months. I tried contacting coinbase through there support. After numerous tickets and complaints number from Coinbase itself and up till now I still cant get access to my account to withdraw my funds. 

Here are the ticket and complaints number. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is more of a general complaint because it has happened numerous times with different institutions, but I'm writing because it just happened to my family again last week. I took our dog to the vet 's office and when they ran my debit card for payment they accidentally charged {$1100.00} instead of {$120.00}. They realized the mistake immediately after it happened and refunded {$1000.00} to my debit card. The issue I have is that money can be deducted from our checking accounts instantly but for money to go back in can take up to a full week. For that week, our account can be depleted or overdrawn, and nobody is technically liable for fees incurred except us as the user, not to mention not having that money available for other bills like groceries. The bank in this instance is Bank of America, but this has happened with other banks as well.

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