BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: REGIONS FINANCIAL CORPORATION
State: MS
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:
My credit cards ending in XXXX and XXXX was compromised somehow and multiple charges were made without my knowledge or consent. I did have the card in my possession but did not make any charges. I did not know my card was being used until I got and alert from Regions fraud department. Here are some of the fraudulent charges listed below. 
XXXX XXXX XXXX XX/XX/2022 {$51.00} XXXX XXXX XXXX XX/XX/2022 {$47.00} XXXX XXXX XXXX XX/XX/2022 {$46.00} XXXX XXXX XXXXXX/XX/2022 {$170.00} XXXX XXXXXX/XX/2022 {$110.00} XXXX Outlet XX/XX/2022 {$65.00} XXXX XXXX XXXX XX/XX/2022 {$26.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$24.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$95.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$28.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$48.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$14.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$48.00} XXXX XXXX XXXX XX/XX/2022 {$11.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$29.00} Multiple XXXX XXXX XXXX charges totaling {$430.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 {$68.00} XXXX XXXX XXXX XX/XX/2022 {$43.00} XXXX XX/XX/2022 {$89.00} XXXX XXXXXX/XX/2022 {$95.00} XXXX XX/XX/2022 {$50.00} XXXX XXXXXX/XX/2022 {$180.00} XXXX XXXX XXXX XXXXXX/XX/2022 {$25.00} XXXX XXXX XXXXXX/XX/2022 {$83.00} XXXX XXXX XXXXXX/XX/2022 {$83.00} XXXX XXXX XXXXXX/XX/2022 {$66.00} XXXX XXXX XX/XX/2022 {$66.00} XXXX XXXX XXXXXX/XX/2022 {$67.00} XXXX XXXX XXXXXX/XX/XXXX {$59.00} XXXX XXXX XXXXXX/XX/2022 {$59.00} XXXX XXXX XXXXXX/XX/2022 {$48.00} XXXX XXXX XXXX XX/XX/2022 {$29.00} XXXX XXXX XXXXXX/XX/2022 {$52.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$28.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$82.00}

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 2023-09-27
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT CREDIT CARDS UNDER MY NAME. THESE ARE FRAUDULENT ACCOUNTS. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS.

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 2023-09-27
Company: Netspend Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
NetSpend restricted my account after enrolling debit card without my permission and even so I have agreed to pay it but they or telling me that my social security number or security question etc is not enough I've been on the phone with different agent even supervisors all Day they've pretty much robbed 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 2020-02-11
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
friday XX/XX/2020 at XXXX as I reviewed credit report noticed company ( a ) had placed a collection notice on my account and had no amount owed, called said company and they advised they no longer had file and the file was sent back to another collection company when asked how was I to resolve they gave me phone number to other company when attempted to contact second collection company all I get for 2 days is various names and extensions no live person!?!?!? 

very sceptical and no knowledge of above referenced matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: STATE FARM BANK, FSB
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name Account NameSTATE FARM BANK, F.S.B. 
Account NumberXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Account Name Account NameSTATE FARM BANK, F.S.B. 
Account NumberXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Account Name Account NameSTATE FARM BANK, F.S.B. 
Account NumberXXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-09-27
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I did not apply for a Chime Debit card but received a card today. I tried calling but the issue is not resolved. How can I complain about this company? I want to close this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: CT
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit account with Citi Cosco with original credit limit of XXXX In XX/XX/2019, I had paid my credit card to lower my credit ratio and so I wont hurt my credit score and also so I could start paying my credit with them. I had other bills to pay as well and credit cards. I paid my credit card with citi cosco more than my monthly due of even XXXX $ and I paid them in XX/XX/2019 of XXXX As soon as I paid them, they then decreased my credit limit and took out that XXXX that I couldn't even use any XXXX of it that again it affected me with my credit score. Again I even prioritize them to pay them so I can decrease my debt with them even if they gave me none to use. They gave me then XXXX of all balance for me to pay. 


In XX/XX/2019, I again made a payment of more than my monthly payment and paid them {$760.00} so I could again decrease my debt with them. prior to even making the payment while I was able to build some payments with them I never used my account because I wanted it to be paid slowly. In XX/XX/2019 I paid online in the amount of {$760.00} and the next day XX/XX/2019 as soon as they received that payment day before they again decreased my credit limit took away a XXXX from it which then made me again maxed on my credit. now I am maxed, with overdue late fees and charges In despite of all that me making payments almost XXXX in not even more than 8 months, I didn't use the card, they had lowered it, hurt my credit, I was also sick during this whole time, changed my jobs, and now daily 10x day and also sundays being harassed with calls to pay them. 
what do you pay this credit card company who had taken all arelady in short months and now had charged me more and when I even tried to make arrangements with them to take out all late charges and to go back with just the late charge and to just close this account and that what they did is completely wrong, I'm told no and theywill take it into collection. 

this is how someone who pays their card get treated

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 2023-02-09
Company: Klarna AB
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am XXXX XXXX XXXX in the XXXX XXXX, and I am victim to fraudulent business practices that is threatening my livelihood. Between XX/XX/2022 and XX/XX/2022 I made purchases with the Klarna buy now, pay later service at XXXX, XXXX, and XXXX. Within several days I had returned everything purchased, most the very next day. I had a change of mind and didn't use any of the products returned. I returned the items to the stores and got physical receipts. The total expected refund amount in question between the 3 stores is approximately {$1000.00}. I have not received any refunds in-person, digital refunds from Klarna, or the promised paper checks I should have received almost 2 weeks ago. Klarna has now ignored my attempts to communicated through the email threads with Klarna. 

Klarna admitted that their system couldn't refund my payment methods for some reason and that paper checks would be mailed to me for the total amount of these purchases + any fees or interest. Then I could use said checks to pay the balances off. I haven't been refunded any of my down payments to date either. I have had my bank block them because they continue to try and draft payments towards purchases whose goods were returned to the stores. They have now sent me collections/credit threat letters, refused to extend payment due dates or reverse associated late fees. I returned these products to the store over 2 months ago and still have no refunds. They owe me over {$1000.00}, which will total approximately {$1700.00} over time if they force me to pay/send to collections. Again, all for items that I no longer have and were all returned properly to the store with return receipts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/21 I opened the Wallet app  on my smartphone to view my Apple Card balance and was given a message stating that the account was restricted and to contact Goldman Sachs customer service. I contacted them via the text support feature and was told that my account is " under review '', that the company will not tell me why the account is under review, and that the company will not give me a timeframe for this issue to be resolved. I am unable to use the card in any way and I am unable to view any information about the card. The only thing I am able to do is make a payment by calling the customer service line. I attempted to escalate the issue with customer service multiple times both within the text support feature and via a phone call to the provided support line. At all levels I was given the same response that they refuse to inform me of why my account is under review or provide a timeframe for when the review process will be completed. If there is potential fraudulent activity or a breach of my information that caused the account to be placed under review then this is something that I should have been alerted to and provided details of so that I can take the necessary steps to protect my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: AES/PHEAA
State: PA
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:
By my count I should have 115 qualifying payments towards my Public Service Loan Forgiveness. I have been enrolled in this since XXXX when my loans were serviced by XXXX XXXX. 
My loans were bought by XXXX ( XXXX  XXXX XXXX Something ) in XX/XX/XXXX. I re-sent my Employment Certification Form proving I was a federal employee and every year sent in my tax return to have my payment adjusted under the IBR plan. In XXXX I asked XXXX for a count of my qualifying payments. In an email dated XX/XX/XXXX I was told I had made 54 qualifying payments to XXXX and 17 to XXXX. 
In an email dated XX/XX/XXXX XXXX confirmed that I had made 101 payments but also said it would be up to FedLoan to come up  with the final number and they transferred my loan to them. Up until I thought I was nearing my forgiveness date I had never heard of FedLoan before.

I had to re-send all my Employment Certification Forms. I had had 3 different Fed jobs since starting to payback my loans and FedLoan had no record of any of them.

When FedLoan finally calculated my qualifying payments ( XX/XX/XXXX ) they came up with 49 for one loan and 59 for another. Not only are these numbers ridiculous but my loans have been consolidated since my first PSLF/IBR payment so where they get two different numbers is another mystery. 
Writing to complain about their calculations, I got ( in part ) this answer : The months that did not count as qualifying payment months for public service loan forgiveness include XXXX through XX/XX/XXXX due to an administrative forbearance that was applied to your account, XX/XX/XXXX due to the months full installment amount not being full satisfied, XX/XX/XXXX due to a general forbearance, XX/XX/XXXX due to no bill being generated, XX/XX/XXXX due to an administrative forbearance that was applied to the account, from XX/XX/XXXX through XX/XX/XXXX due to a general forbearance and XX/XX/XXXX due to the full installment amount not being fully satisfied. 

What? What a bunch of excuses and XXXX made up behind the scenes and after the fact. Never ever did XXXX or XXXX put my loan in administrative forbearance or did I pay during a general forbearance or any of the other stuff I am hearing about the first time ever. 

Ive read too many articles to count now on how awful and even fraudulent FedLoans is.But I do not know how to go about fixing this. I have never even made a single payment to FedLoan so how they came up with these numbers, I dont know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been mistaken with Bank of America, scammers deposited fraudulent checks and then it cause my account to be negative even when I had a chase account and people deposited a check then they reported it on my account which cause my account to be negative, I never done anything to suspend my accounts the only money I put in is from my job and my money, now this is causing me a lot of trouble XXXX cant open any debit or checking accounts and I need one for my job and to save money for a car, please respond as soon as possible I need this issue fixed

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