BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The car was totaled back in XX/XX/2020. The Insurance company ( XXXX XXXX ) asked Kia Motors for pay off amount. The amount was paid off just like requested. Kia Claims that I still Owe a XXXX. XXXX XXXX says that they collected that amount already. 

I need that amount to be wiped out and taken away from my credit report. It is affecting my credit score and it shows as a late payment which is not the case at all. 


Attached you will find that KIA is asking me to collect the XXXX deductible XXXX BUT also attached a proof that XXXX XXXX collected that XXXX $ deductible on their behalf ... 

I already paid the XXXX deductible to XXXX, It is not fair to pay the deductible TWICE.

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 2016-05-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
There was a check that was deposited on XX/XX/2016 that I did not know was fraudulent. Wells Fargo decided to close my account on the XXXX/XXXX/16 without even a phone call or an email concerning the matter. It took me going to a branch ( which is an hour away from me ) to find out that the account was being closed on XXXX/XXXX/16. The banker XXXX ( XXXX XXXX XXXX ) informed me that once it is sent that there is nothing that can be done on their end. This was something that has never happened before and for them to just close my account without even hearing my side of it is completely absurd to 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 monetary relief
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is the wrong creditor for this item XXXX XXXX Account Number : XXXX Please investigate and delete from 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 2021-07-28
Company: Mutual Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  fl XXXX XX/XX/XXXX MUTUAL MANAGEMENT SRVC at XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX has been sending me collection notices in the amount of {$1600.00} and {$1900.00} for the same alleged debt, MUTUAL MANAGEMENT SRVC called me stating that i owe this debt the collection has been reported as a past due balance i do not know this company, i have never done any business with this company, this company does not have a contract with my signature Should MUTUAL MANAGEMENT claim to have a contract, then it is within my legal rights to ask for verification details : 1. The name and job title of the witness when the contract was signed 2. The date they claim to have received my signed contract Please also attach documentation to support the verification of these claims. 
Thank you for your assistance with this matter. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX American Express credit cards are the issue : A. Account Ending :XXXX. Account Ending : XXXX. Account Ending XXXX AX never investigated my side of the complaint regarding XXXX. AX even did not review the documents I sent. AX simply just accepted XXXX argument. 
Although I closed the account but AX continues requesting to send them more documents. 
AX did not credit the account with the disputed sum. The day they credit my account AX debited the account the same day. 

B.Account Ending XXXX : A month and a half after filing a dispute I was told that the supplier did not respond and a note will be sent to him. I called again on XXXX/XXXX/2015 to find out that AX lied and the supplier Affordable had sent his answer but AX failed to forward it to me and as a result AX accepted the supplier explanation and closed the dispute without notifying me. In other wards they accepted the supplier explanation without my rebuttal. AX is violating the Fair Credit Act and The Truth in Lending Act at the same time by automatically siding with the supplier although the Card Holder is the one to prevail if AX would review the Card Holder 's explanation of the dispute. 
I am ready to supply all the documents related to my AX XXXX disputes for review by FTC or other government office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I had a recurring subscription for XXXX that was scheduled to renew on XX/XX/XXXX at the price of {$17.00} but the subscription was cancelled on XX/XX/XXXX and the credit card should not have been charged. However, XXXX charged my card anyway one day before it was set to renew automatically. XXXX was contacted and said they would refund the payment but the refund was not issued. I filed a dispute with Capitalone but have not received a response. 

I expect to see a refund of the {$17.00} that was charged to my Capitalone Mastercard ending in XXXX on XX/XX/2021. I am attaching the cancellation confirmation received from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had received a debit card from citi bank and it didnt work for a while and I called support to see what was wrong with it after a day or two my wallet is stolen and my card was in their and atm withdrawals were made that obviously look fraudulent and I opened a case about it to get my mine replaced I reported the card stolen Ive done everything I know to do and my case keeps getting denied and Im in dire need of my money being replaced it has put me in such a finically stressful situation please can you help me in any shape or form.

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 2021-07-29
Company: EQUIFAX, INC.
State: CA
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:
I had a lease from XXXX starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to XXXX and they verify that my account is payed off and close. But the credit report company got different info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase Inc has held my money hostage for over three months without any resaon or any end in sight. I had my account restricted in XXXX which means I can not buy, sell, or trade any of my crypto currencies on coinbase.com. They have not given me a reason why they restricted my account and refuse to communicate any info as to how to remedy the situation. I have also filed a support ticket and issued a formal complaint and still nothing. I currently have XXXX dollars worth of crypto and am in desperate need of my funds. I have sent documents to confirm my identity and still they say nothing.They have also issued me a coinbase visa card and as soon as I try to use it they say I am not permitted. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Kohls an account which was opened in XX/XX/XXXX recently just closed my account due to what I believe they will say was inactivity. I check my score weekly and have a credit score ranging from XXXX. Obviously I take my credit worthiness seriously. Kohls has damaged my credit score, furthermore they have done so without having sent me any correspondence about actions that they planned to have taken. This is a violation of the FDCPA & I want this account reinstated with the 7 year old status that it has immediately. If Kohls does not comply I will introduce this issue to my state legislatures, FDCPA, and other regulatory entities. This is a way in which certain business entities can keep certain demographics credit worthiness down. They never in 7 years increased my credit limit from {$300.00} up to a level of which I am worthy. Every credit card company does periodic reviews of their account holders & increase their limits without the credit card holder having to ask and incur a inquiry hit to their score. Kohls is unscrupulous and needs to be held accountable for any damage done to my credit score bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I see a collection account on my credit report, which is not mine, so I try to contact them by phone so it was very hard to get through them anyway, finally, when I able to talk with them, they are not a helpful and thread me to mess my credit report and keep messing my credit report till I paid them so I write them a letter requesting VALIDATION of debt, After that they did n't respond to letters and take off from my credit report But since then they keep reporting on my credit report after every couple months I have to go and dispute then again and again to clean my credit report but they still on my credit report.

Company response to consumer: Closed
Consumer complaint received 2021-07-28
Company: TekCollect Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tek Collect put a collection account on my credit report for XXXX XXXX XXXX XXXX XXXX. We do not live in XXXX XXXX Ny and my child goes to public school where we live and we are also not XXXX.. There is no other information. Its just some completely random account that was fraudulently attributed to me. I have never been contacted by these people in any way by either letter, email or phone. I have no idea what or who this debt belongs too, but its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ROBINHOOD MARKETS INC.
State: AK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/2021 at approximately XXXX XXXX  I attempted to utilize my Robinhood debit card via my smart watch to make a purchase at a XXXX store in XXXX, XXXX  for a total of {$170.00}. I attempted the transaction twice and both times were declined. Although I currently live in XXXX XXXX, XXXX, I have previously lived in and frequently visit XXXX. Despite this frequent activity, my account was flagged for unusual activity. I received texts, alerts, and emails stating that my account had been restricted and that I could not withdraw or use my debit card. I contacted Robinhood customer support but they refused to lift the restrictions even though I was able to provide all the information they requested, including my birthday, social security number, email address, physical address and a plethora of other questions. The Robinhood customer representative said the only way Id get access again is if I text them a selfie with me and my drivers license, upload a copy of my SS card, send them a copy of my most recent bank statement, and send them an explanation of my most recent deposit. It sounded like a scam but I went through the Robinhood app and escalated it to a specialist/manager before being told they couldnt help me. My account is frozen and my debit card no longer works. I informed them that Im on vacation and dont have an SS card to upload. They told me too bad, that theres nothing they can do. The call center worker also told me that this specific problem happens quite often to their customers. Considering I have around {$7000.00} in the account, and am currently on vacation in another state, I need this resolved quite expeditiously. Any assistance your agency can provide would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a payment of {$20.00} came through for a credit card I have to my Bank of America checking account. Instead of just paying the measly {$20.00}, they returned the funds and charged me an NSF charge. I'm not arguing about the fee, but not paying a small cost of {$20.00} when a large direct deposit is imminent ( deposit on XX/XX/XXXX that they can see the day before ) is asinine and petty, especially in these trying times. The same thing happened again on XX/XX/XXXX and XX/XX/XXXX. Absolutely ridiculous. If I miss a day and they know the deposit is coming, by all means charge a fee, but don't return the transaction - just pay it.

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 2016-01-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We saw yorkies for sale on XXXX in XXXX. We texted to XXXX number that was in the ad : " Call or text anytime at. XXXX. : XXXX. :. XXXX ''. They responded by text that they relocated to Maryland but they could ship the yorkies. We transferred {$300.00} by moneygram to a person named XXXX XXXX, XXXX XXXX XXXX , XXXX, Maryland, XXXX. After we did this, we received an email from a shipping company asking {$850.00} for a crate to ship the dogs. We would get this money back at arrival of the dogs. 
We suspect this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: M&T BANK CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan which I took out & have automatic payments set up. I went on a XXXX & when I went on a XXXX I had a payment that did not go through, which led to my payments being late every month after that. When I came back I called to see what I can do to take care of this issue & all they could say is that I could pay it off. They could n't change the fact that my credit score has gone down since I was not informed about the payment not going through. Now I am struggling with opening a new account, getting a loan, & other financial issues because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
M & T bank has the worse communication, and customer service I have ever experienced! I have the response they sent the CFPB, and it states false statements about what I said when I called to file my dispute. I never said the person behind me saw my pin and took money out! I stated that my coworker stole my debit card, and has seen my pin before because I use the same pin for all my cards! M & T denied my claim, on a determination they made themselves and it was false, because I never said that! I want them to replay me that recorded conversation I had with their XXXX representative, and you will see if clearly state my coworker stole my debit! I have copies of all the messages and paper work I have sent them! This is crazy already, and this bank just does n't care, and make false statements too.

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 2018-05-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX in XXXX, TX XXXX ran hard inquiries on me for a auto loan and i di not give them consent. i told them to stop after the first check. ALL hard inquiries were done when i was not even in the car dealership. They tried to get loans for XXXX $ from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX that went on my XXXX   Report. THey also ran credit for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that all went on my Equifax Report. A total of NINE hard inquiries that were without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Asset Management Outsourcing, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide Recovery Service has constantly called my phone every single day using different numbers for the past few months. I do not have any debts or owe anyone money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Money Gram Money orders. Money Gram claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Money Gram and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Money Gram States on the back of their check, Not good after one year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I checked my credit report on XXXX/XXXX/XXXX and noticed a debt collection agency was on there. I have NO clue what this is, so I contact XXXX. They tell me to contact the agency. I have NEVER been given written or verbal notice that I even owed this debt. XX/XX/XXXX, I made a trip to my local XXXX. and was issued a bill. I was given a verbal arrangement via phone with the billing department that I could make payments. I was issued a monthly bill and paid regularly until XXXX when I stopped receiving the monthly statements. I assumed the bill was paid in full at that time. I contacted XXXX Hospital billing department on XXXX/XXXX/XXXX, since that is where the debt originated. I was informed that the debt was taken over by a collection agency called XXXX in XXXX. I had absolutely NO notice that this was taking place! I only learned about it yesterday, because I checked my credit report. I have NEVER been contacted by IMC, nor was I given notice by XXXX Hospital that they were giving my debt to a collection agency. Again, I thought the bill had been paid in full because I stopped receiving anything from XXXX Hospital. How can this happen and be placed on someone 's report without their knowledge? I have lived at the same address since XX/XX/XXXX and have had the same phone # for just as long. There can not be an excuse of not being able to contact me! Furthermore, it has apparently been sitting there for 3 years now. How do I go about getting this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent several letters to XXXX and Experian with no response to corrected addresses that do not belong to me on my credit report. 

XXXX  is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA Experian is reporting the following inaccurate addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief