BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am a long standing holder of this credit card ( since XXXX ) and have always been in good standing ... .never a late payment. On XX/XX/XXXX I paid off my up to date balance in full. In XXXX the company charged interest on my account which is not possible since the account had no balance. Since I was not aware they would violate our agreement this caused me to generate a 30-day late on my credit reports, a considerable drop in credit score and they reduced my credit limit from {$4900.00} to {$300.00}. I contacted them and they removed all of the late fees generated but they have refused to repair my credit and to reinstate my previous full credit limit. I am astounded at their lack of acknowledgement of the trauma and suffering they have put a loyal long-term customer through. I recently had a battle with XXXX that I am so thankful to have won and am working to get out of debt. I finally was able to pay off this card and it has caused me so much trouble. I deeply appreciate the CFPB and if others have had this happen I am happy to be a part of a class action suit.

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 2019-06-19
Company: General Motors Financial Company, 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:
GM FINANCIAL PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR REQUEST. I WROTE THEM AND THEY DENY IT. THEY ARE WRONG! 

On behalf of XXXX XXXX XXXX .... This is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
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: Old information reappears or never goes away

Complaint:
Equifax continues to delete all my current information off of my credit report. This is ridiculous. This has been an ongoing problem. I sent them a dispute a while ago explaining this. And now on top of deleting current information. They also readded an old file that had been removed. A collection account from XXXX. This had been removed over 1 to 2 years ago. And the collection from XXXX was deleted by the company..please removed all of this errorenous information from my credit file. 
1. XXXX XXXX-correct 2. XXXX XXXX-correct informaiton needed to be added a back 1. XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I made an online purchase on Coinbase.com for XXXX $ of crypto currency. Only after purchasing was I informed that my funds would be un available for withdrawal until the XXXX of XXXX this was over a week ago.I believe my initial purchase was on the XXXX of XXXX for XXXX. I inquired as to why my funds were being held, and I was told it was for " security reasons '' this was the only information that I was given. 
I feel it's very misleading and unfair to the consumer to have there funds held for this long of a period without any real answers as to why. Or without any prior warning that this was standard operating practice for this company. I am a XXXX veteran and As it is I'm already on a tight budget to have my money held hostage without any really explanation why is very frustrating to me. O would appreciate any guidance as to how to best handle the situation. Thank you for your time. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: TN
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 received a call today, XX/XX/2021, at XXXX pm from Merchant Adjust from telephone number : XXXX ( XXXX ) XXXX. I was told that if I didnt pay the balance in full to them on behalf of XXXX XXXX XXXX XXXX that they would begin to report on my credit. The callers name is XXXX XXXX and she told me to call her back directly at XXXX and pay her directly to avoid this small balance account from reporting negatively on my credit. This is a threat and I am not comfortable with it at all. 

I am uninsured and currently unemployed so I have no way of paying this account in full. I feel this call was made in a threatening manner to have me pay her in full over the phone on the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has not been providing information with who my private student payments are being made towards. When I made inquiry, no one from customer service nor a supervisor with Navient would explain where my payments are going. The for-profit culinary school I had attended from XXXX-XXXX ( initially named " XXXX XXXX XXXX  XXXX XXXX XXXX XXXX '' and then " XXXX XXXX XXXX- XXXX '' ) has since dissolved as an institution. I am looking to have my student loan payment lowered if I can not get the loan discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a chase customer that reported fraudulent charges starting around XXXX XXXX. There was a check deposited in the amount of about {$13000.00}. I also had many other suspicious withdrawals and purchases totaling to over {$14000.00}. I currently have no money and in the negatives. I am waiting for a temporary adjustment to have money in my account but today is technically the 2nd business day XX/XX/2021. Almost all activity happened in the state of New Jersey. I do not live in the state and have not visited there at anytime during the effected dates. I am worried I will not receive my money back. They asked about me writing down the pin somewhere and I mentioned it may have been on a paper I keep some passwords on. I think it was but it's possible that the pin was not on there after I thought about it. I plan to clear up that fact but either way, I did not authorize any of those payments. Some included {$1000.00} at a sneaker store. Multiple purchases as USPS for approximately a little over {$900.00} each. And various withdrawals at a Chase banking branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: ERC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Enhanced Recovery Company which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CITIBANK, N.A.
State: IL
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:
XXXX XXXX XXXX XXXX this account doesn't belong to me. FRAUD. 

XXXX CITIBANK XXXX It's fraud account, should be removed from my report immediately.

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 2018-11-05
Company: Comerica
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I'm on XXXX my check go to XXXX they have my money and I can't get it. Called them and they said it was happening to a lot of people and they were trying to fix it 3 daysstill not fix and can't pay my rent or bills try calling again and there not taking call please hehp soon

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got internet from XXXX XXXX XXXX with a XXXX package which was under contract. I wasent satisfied with the service, nevertheless i continued with it because of the contract and when the contract expired i canceled the service. The agent who did the cancelation didnt give me any objection nor said anything about the contract, which seemed normal to me, since the contract was expired. After some weeks went by i get a letter saying i was being billed for the remaining months that i didnt continue with the service. I spoke with an XXXX XXXX XXXX agent and explained that i specificaly waited for the date to cancel my service because i knew when the contract was set to expire. The agent then asked me if i had called and added any other channels or anything added to the internet /XXXX package. I awnsered, '' no ''. After a few minutes of investigating the agent said she wasent able to see why the contract extended and also explained that under normal circumstances those extencions happen when something is added. In my case, nothing was added but explained that i had removed certain channels that i didnt need. She then explained that, that was not a cause for the contract to extend and she would make a note and have that rectified. I didnt get contacted by XXXX XXXX XXXX after that. A few months after i get a letter from collections and then calls from that same collection agency.

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 2018-11-05
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I had paid an account to XXXX XXXX in full and on time. It was in error that I was reported 30 Days late. I was given a letter from XXXX XXXX, the VP of the company stating this. I sent the letter to Experian. Experian will not take the late reporting off of my credit after several attempts to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: NV
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 attached 3 FTC reports in which these accounts are not mine, severely outdated in which its later that what the FCRA allows, addresses are not mine, and inquiries in which I did not allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Store is called Ace cash express I have been going there for quite some time during hardship always paid my loans back. It came to a point that I was having more hard ship finances, medical bills.. etc. My bank accounts closed due to NSF didn't realize they would be effected. I did not received any letters from them or a collector.. Recently on XX/XX/2019 my mother in law and wife received back to back phone calls from a phone number XXXX stating that they are looking for me and they have a warrant for my arrest and a subpoena for court if I dont call XXXX XXXX and set up a payment with them now ... When I called they were the ones who advised the original creditor was Ace cash express located at XXXX XXXX XXXX XXXX XXXX Ca ... I called my bankruptcy lawyer which Im in the process of filing and he advised to file a complaint because it sounds like a scam.. They do not supply a address to send payments to they want payments to be made electronically only ... I tried calling that number XXXX and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX  to I C System which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. I C System has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of I C System. I C System is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

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 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Trans union has been putting out high risk letters to people I dont even know about my credit and these people paid trans union money to do that. I cant even get a personal loan or a government grant. They dont care. They lied too so many times. 
They dont bother to ask me anything they just do it without my consent.

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 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 customer service

Complaint:
*XX/XX/XXXX, I went to use my Capital One credit card and was declined. Since I make regular payments and was well below my credit limit, I checked my Capital One credit card XXXX app. The app states my account has been " restricted ''. I called Capital One and was told the card may have been closed XX/XX/XXXX via automation. They ( " back office '' ) would research this and get back to me in 7-10 business days. No assurances that the account would be " un-restricted ''. Capitol One ( spoke to XXXX, XXXX, & XXXX ) said perhaps I would receive a call to un-restrict my account on Thursday XX/XX/XXXX. 

<br>*XX/XX/XXXX, A Monday, a business day, I called Capitol One ( spoke to XXXX, XXXX ) and was told maybe Thursday ( XX/XX/XXXX ) it will be re-activated by the " back office, '' but it usually takes 7-10 business days. 

<br>*XX/XX/XXXX, I called Capital One ( spoke to XXXX, XXXX ) was told that the customer service people that I spoke to on XX/XX/XXXX & XX/XX/XXXX were wrong, the complaint was sent to the " back office '' and that I needed to wait the full 7-10 business days. 

<br>*XX/XX/XXXX, I called ( spoke to XXXX ) because it has been 10 business days, I was told that all the other customer service people were wrong, she submitted a new form to the " back office '', and that I had to wait an additional 7-10 days because the other customer service people did not submit my form correctly. Then, XXXX said I may have to wait another 7-10 days for a new card. 

<br>This is not fair, I did not authorize the card ( or account ) to be closed, my bill is up-to-date, I do not wish to wait another 7-10 days for the back office to research why the card got automatically shut off, then wait another 7-10 days for a new card. I had a Capitol One GM Card account for years and want to continue my GM rewards points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Experian Information Solutions 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:
I have been disputing for several months with Experian & XXXX items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. XXXX XXXX {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting 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 2021-06-25
Company: DISCOVER BANK
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: Americor Funding, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In or around XXXX of this year I got involved with Americore ... after some research and assurances that once my payments were made and the settlements with the 4 credit card companies were reached my credit report would read : " account closed/paid in full " and I specifically asked if it would say " settled ''? And XXXX XXXX assured me it would NOT read " settled '' well, over 6 months later and over XXXX payment made totaling over {$7800.00}, one of the credit card companies settled and on my report it reads " settled ''. I contacted Americore several times and spoke most recently with an " XXXX '' who for over an hour ran me in circles quoting the contract I did sign that says they can not control or promise what us on the credit report which they are saying in their advertising and pitching they can and will. They say have faith and when we receive all your money your report will read the lie we promised. I've asked for a letter stating this lie and of course was quoted my contract and told to have faith. In essence no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I was alerted by the FL XXXX XXXX XXXX XXXX that someone using my credentials had applied for unemployment. It was not me. I alerted the university where I teach, as well as the XXXX XXXXhat someone was fraudulently using my credentials to apply for money. I also alerted the three main credit bureaus that fraudulent activity was happening with my credentials. 
Soon after that.. XX/XX/2021, I received notice from TD Bank ( talked to XXXX ) that someone had opened up an account in my ( XXXX ) name, in order to collect the fraudulent monies. XXXX said he would monitor it and noted that this was fraud. On XX/XX/2021 I received a book of checks from TD bank... so I called XXXX at TD Bank, that day and again on XX/XX/2021 to alert them to this fraudulent activity. I went to their XXXX page to lodge a complaint. I have received NO satisfaction that TD Bank has closed this fraudulent account and taken my name off of it. 
By XX/XX/2021, I have received bank statements from TD bank.. and a credit/debit card. The statements are showing activity, mainly that the FL XXXX has canceled the deposit, and now there are overdraft fees on that account. As of XXXX, 2021, I think there is still a TD Bank account open, fraudulently and using my maiden name and credentials. I have all the documentation. I can not get resolution from TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
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:
I went to XXXX XXXX XXXX XXXX in XXXX, NC, yesterday, XX/XX/2020 to shop for a new truck. They ran my credit and I said if it didnt look like they could do it, we didnt want to try, but today there are 6 inquiries on my report. I had no idea that they would all show up, especially since we only went to one dealership and didnt ask to run it multiple times.

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 2018-11-05
Company: AMERICAN EXPRESS COMPANY
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:
amex showing XXXX, XXXX, XXXX when i sent hacking and ftc reports

Company response to consumer: Closed with explanation