BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is between American Express National Bank and me regarding my CD. 
The contact phone XXXX ( NY ) * I recorded most of the conversations with the customer service representatives. 

XXXX XXXX My CD matured. 
XXXX. Prior to the maturity date, I called the above number to request the closing of my account once my CD matured. I was told to request it on the XXXX. I wanted to make sure that I'll get the funds back, I mailed my written request as well. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I called the same number and requested the closing and transfer of the funds. I was told my funds would be processed next Friday, XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : The transfer didn't happen. I called again. I was told that it will be processed on XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I asked XXXX (? ) about the status of my transfer. The phone call was cut short. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : XXXX answered. It took over XXXX minutes to find out my funds won't be processed until XX/XX/XXXX or XXXX. ( XXXX # XXXX ) It is unbelievable that it takes at least 25 days until my funds get into my hands. Upon maturity, during the grace period, I could request the closing of my account and transfer the funds, which I did. And then I have to wait XXXX to 14 days more to get my money back. The bank is holding my money XXXX and making a month 's profit out of it. It's a shady and cunning practice. The representatives made empty promises too many times, and I am afraid when I see my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had an account with Sallie Mae/Navient for almost 18 years and tried my best to maintain the account through multiple forbearances that eventually increased the amount of my outstanding balances with forced forbearance. Sallie Mae/Navient was sued for predatory loans that were given to individuals like myself in Pennsylvania that reached settlement.

Under the lawsuit I was one of the borrowers impacted by predatory lending and received payment from the settlement. Navient was supposed to remove loans under this lawsuit to borrowers who were in default prior to the settlement. Navient decided not to forgive my loan because my loan was technically up to date during the lawsuit. The only reason my loan was up to date during the lawsuit was because I was actively on a in-school deferment while I took up courses at a local XXXX college to make up for the fraudulent school and loans I signed up for 18 years ago - not because I was actually able to pay for the high interest loans. So Navient decided my good-standing, deferred loan account was good enough to keep in their system regardless of the lawsuit my account was under. My loan has never gone down in balance as a result from the interest raising forbearance practices they used on me years before. I cant seem to get anyone at Navient to assist with forgiveness on my account. And i am now seeking legal action utilizing the proof set by the Navient settlement that my account should have received consideration for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I filed a claim with U.S. Bank to report a fraudulent transaction on my checking account. The fraudulent transaction was for {$3300.00}. 

On XX/XX/2023, instead of reversing the fraudulent charge, I discovered that U.S. Bank accidentally reversed a paycheck deposit from my employer for {$3400.00}. After speaking with U.S. Bank on XX/XX/2023, they realized they must have mixed the transactions up. 

Because of these 2 issues, I am currently missing {$6800.00} from my account, and have almost nothing in my account.

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 2023-08-30
Company: Upgrade, Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Upgrade, Inc is a neobank that claims to offer a non-traditional credit product that is a hybrid of credit cards and a line of credit. However, the features and methods that the company uses to calculate the account balance are convoluted and complex to the point that even the company 's senior management struggles to explain properly.

I'm a former bank examiner who worked at CFPB and FDIC, and currently a bank consultant perhaps I could be biased, but based on my experience with Upgrade , Inc. 's employees and the review of information available, I have reasons to believe that the company is in significant violations of TILA, FDCPA, UDAAP, and FCRA to name a few.

My main concern is the way the company calculates the " balance due. '' For a consumer credit product, it shouldn't take a rocket scientist to figure out whether an account 's current balance due should increase or decrease at the end of the statement cycle ; essentially, if the account holder paid-off whichever amount he spent within the same billing cycle without carrying over any balance from the previous statement cycle, the current balance should not be greater than XXXX, This is NOT the case with Upgrade , Inc . 

Despite walking through several employees, including senior management at Upgrade on some basic arithmetic- if the total credit amount is higher than the total debit amount for the same period, the account balance should not increase ( no carryover ) - they struggle to understand. It was not surprising to see how much they struggled to justify the irregularities in the calculation of the balance due for each statement cycle, despite my total credit amount continuously outpacing the corresponding total debit amount. It is as if Upgrade , Inc. does not count the credit payments but applies ALL debit amounts towards the balance due, which is the only explanation as to why the balance at the end of each billing cycle increases even when I pay off the entire amount, and then some, prior to the end of each month. 

Upgrade not only reports this erroneous balance to the credit bureaus but applies to interest payments and forces me to pay what was already paid. The sad thing is that the company is too illiterate to realize or consistently apply whatever " novel '' way it thinks it found to calculate the balance of this neobank product. 

This company needs to be supervised closely. If they don't fully understand the product it is peddling, then it should not be allowed to operate, let alone advertise, itself or it's faulty products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting 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 accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One Bank USA NA, XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX, has issued unautherized hard inquiry to my XXXX credit report ( XXXX ) XXXX. Also ississued a unauthorized hard inquary on my XXXX credit report ( XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or wholly updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''

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 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX states on my credit report that I owe them {$170.00}. I called the company and spoke with XXXX who informed me that my name nor my social security number is in their records. This conversation was on XX/XX/23 around XXXXXXXX XXXX. I then filed a dispute on my credit report through XXXX. 

Capital One Credit Card states on my credit report that I owe then {$480.00}. I called the company and the same answer - no record of my name nor my social security number is in their records. I do not have an account number and again spoke to Capital One fraud department. 

I called XXXX and spoke to XXXX who put me through to the fraud department. I spoke with XXXX in the fraud department who suggested I file a complaint through the FTC.gov which brought me to this website on Consumer Affairs. I see there are two social security numbers reported on my credit report. The first one ending in XXXX is the correct one. The second social security number ending in XXXX is NOT my social security number. I asked for this to be deleted however, with the disputes they are seeing if this number is the one with the fraud. 

I am trying to clean up my credit and finding that their is possible fraudulent accounts opened in my name. How can companies not have a record of my name and social security number but it shows up on my credit report, thus affecting my credit score. I need these accounts looked into and cleaned up! 

I just moved to XXXX  and have provided my current address. 
My XXXX  address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX last four digits of SS # XXXX Full name : XXXX XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Information belongs to someone else

Complaint:
Became aware of account with XXXX XXXX XX/XX/2022 - Submitted a identity theft fraud affidavit to the federal trade commission report number XXXX. 

Item still remains on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Frontline Asset Strategies, LLC
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is the company that sent me to debt collection. 

I moved my account to XXXX in XXXX  from XXXX. They immediately cut access to online management once I ported numbers to XXXX. 3 months later they finally sent me a statement saying I owed them over {$800.00} with zero justification on the charges. The balances do not make sense, trying to charge me for charge backs when the account was never charged. Balance has since multiplied to {$1500.00}. XXXX  rep would not listen to me explanation and sent be to two different collection agencies and now I have legal representation. Again, not able to view any statements or charges, XXXX sent generic account information that is inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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'm a private individual and do not share my experiences with the public or threw third parties ' traffic. I do not consent to the information reporting on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 accordance to the a Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

1

5 U.S.C 1681 Section A States I have a right to privacy. 15 U.S.C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish an account without written notice.

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 2023-07-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, someone attempted to open a XXXXXXXX XXXX  card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX XXXX department so luckily the application was denied. On the same date, someone successfully opened a XXXX XXXX XXXX and a XXXX XXXX XXXX. I successfully canceled and reported the XXXX and XXXX card, but was not aware of the XXXX card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
Our American Express is being billed multiple recurring charges for various streaming services we did not sign up for. Despite attempting to cancel directly with the merchant, they made it impossible- asking for account number, and when wed say we have no account number- theyd do nothing, so the recurring charges kept being billed. I contacted American Express, asking them to cancel the card and to ensure no more recurring charges would happen. I continued to see recurring charges. I contacted them XXXX times on this- and they continue not doing anything and essentially saying they will do nothing and Ill have to live with the recurring charges. This is not putting the consumer first. Their stance has been even if its a charge you never signed up for, were not going to ensure its not charged to you. Because despite cancelling the card- we continue getting billed recurring charges! Ive spoken to a supervisor there on about my fifth contact with them and continue to have XXXX resolution. Furthermore, I asked that a portion of my {$95.00} annual fee just paid in XXXX be refunded if I choose to cancel my American Express account altogether and they say they will not. So again, its consumer abuse as expectations in paying the {$95.00} fee is to have helpful customer services but despite reaching out to them XXXX times, they continue to do nothing. Thus- I should not pay {$95.00} for inadequate service or i wouldve signed up for a card with no fee if I knew the service would be non existent. If I cancel the card now, they should pro rate my annual fee and refund me. The {$95.00} is for an annual fee, not a XXXX month fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
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 permanently limited my account. i have money there and i can't get the money until 180 days which is not okay for me because i need the money to widraw as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

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