BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: CITIBANK, N.A.
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
I purchased Kitchen appliance package for {$4500.00} on XX/XX/22, but I am charged {$6400.00}. They split it between two credit cards {$1900.00} on my Visa with XXXX bank and {$4500.00} on my best buy visa credit card, so a total of {$6400.00} I made NUMEROUS phone calls to best buy trying to solve the issue since XX/XX/22. They realized their mistake but they never refunded the difference back to my credit card. This action caused my balance on best buy credit card to go over the limit by by {$970.00}. Also I have this large balances on both credit cards which negatively affected my credit score. Moreover, I have been charged interest on this high balances that I should not have in the first place. It has been over a month and Best Buy credit card has not given me my money back So I am writing to you to please help 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 2020-01-10
Company: EQUIFAX, INC.
State: UT
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:
XXXX/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Us Bank charged fees anyway they can ... sometimes days later with bogus explanations. I go days with a positive balance then all of a sudden Im charged overdraft fees for things that were fixed days prior. This bank seems to be charging their low income and struggling customers more fees as often as they can. I am being charged fees and have met people having the same issue but because its a bank no one will help or even look into it ... I know this company wont help either but at least Im speaking up so in the future when some XXXX  person gets done the way Im being done and other XXXX  people are being done and gets assistance she needs I have proof and can say I asked for help also but being XXXX in Amerikkka no one cares about what happens to me or who does me wrong.

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 2016-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My deposits and money in my account should cover all expenses. XXXX check that i deposited was unable to be processed by the bank due to " connectivity errors '' by the app. I get a overdraft fee, which I thought was illegal for banks to make money off of fees. And now my account is negative because bank of america keeps charging more extended overdraft fees. This would n't be a big deal but I have no money and I live paycheck to paycheck. So my check is enough to cover my apartment and living expenses but not extended fees that will keep occuring and continue to push my account further into a negative balance because I am unable to pay for them. I call Bank of America to see if I can have these fees removed and they say " These fee 's were properly placed. '' I feel like I have no power over this situation and I stress and I ca n't eat because I am thinking about how I am going to afford next months rent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the XXXX XXXX XXXX XXXX XXXX XXXX owned by a long time client. I was in a series of emails regarding depositing funds and requested the account number to make a deposit to a partner on XX/XX/2022. Someone posing as my client and his partner interposed and emailed instructing me to deposit into an account in the name of XXXX XXXX, account number XXXX at PNC Bank. All the information and emails looked legitimate. The check was drawn on the XXXX XXXX XXXX. I filed a claim at the XXXX XXXX XXXX as instructed by the bank. PNC has refused to accept a complaint from me or my lawyer. I have filed with the XXXX Police, the FBI and the FTC but have not heard back. I have been informed by lawyers that PNC was an instrument in the fraud and may have been in violation of the Money Laundering Control Act " Know Your Customer '' policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed for {$350.00} by a girl named XXXX XXXX and by her partner named XXXX XXXX. I was scammed for 2 concert tickets for me and my cousin and she did send me the email of the ticket transfer to my email but instead at the end she made it more complicated to receive the tickets so at the end I got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I submitted previously and made a mistake. The school I meant to make reference to was not XXXX, but XXXX Revised below, and my apologies : I am writing because I was just notified of my award in the class action lawsuit against XXXX and I want to express my sincere thanks to your organization. I also want to engage with you regarding the second and third signature loans through XXXX, they were to Navient and XXXX and I am being charged XXXX % interest at Navient and XXXX % at XXXX, whereas XXXX was at XXXX %. 

XXXX ( XXXX ) did all the, " leg work '' to keep us in classes and they struck terms with outside lenders, providing us with information that led me to participate in the additional student loans outside of the XXXX DL Consolidated - Subsidized and XXXX DL Consolidated - Unsubsidized loan programs ( which are also through Navient ). I have asked for a lower interest rate for years through Navient for the signature loan. In addition to XXXX, I have been drowning in tuition payments while XXXX of my larger loans remain in forbearance -yet accruing interest- so that I can take care of these private loans at XXXX and almost XXXX times the interest rates. I feel that XXXX also deceived its students into taking out loans that cost more than we were led to believe. I know your office states that you will continue to be vigilant in rooting out illegal practices that student borrowers experience in the for-profit space, and so am sure that you would want this information as well. As stated previously, the -XXXX- Navient student loan I have is almost XXXX % interest, this is almost twice what XXXX was charging me, and I am requesting that the loan number below with Navient be reviewed. The original amount of the loan has been repaid in spades. Original loan amount - {$8000.00}, I have repaid almost {$11000.00} on this loan already and still owe over {$17000.00} more..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My phone was stolen last year around XX/XX/2021, I have not made any inquiries on credit cards or loans. On my phone that was stolen I had XXXX XXXX  and XXXX XXXX, I had it where it would auto fill my information. I need all them inquiries removed from the past year. I cant believe how many car inquiries and XXXX XXXX inquiries are on my trans union and 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
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I would like to report XXXX XXXX XXXX XXXX XXXX due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of 2020 allowing the extensions of XXXX, XXXX, XX/XX/ 2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX mortgage is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?

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 2022-01-25
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
In 2013 a Home Equity Line of Credit was transferred to XXXX XXXX XXXX. Since 2013 payments to XXXX has been made, not all on time, but in good faith. Since 2013 XXXX has been reporting to the credit bureaus as a collections account. The account was part of the housing crisis and the interest rate was adjusted. Payments have been paid for almost 9 years and the status has not changed. XXXX sent a 1099C for the 2013 tax year. We did not request the cancellation of debt. Since the cancellation XXXX has taken upon themselves to continue to report it as a collections account. I have requested several times for a copy of the note to reflect the status of the account, additional research to resolve the issue and for my own records. I have disputed the account on several occasions and still have not had a clear understanding why this account reflects as a collections account. It is not right or appropriate that XXXX is hindering my ability to repair my credit for 30 years.. Please help

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 2022-07-27
Company: Coinbase, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2022 had a preauthorized amount of {$1100.00} at XXXX XXXX XXXX XX/XX/2022 Coinbase received the final amount submitted by the vendor of XXXX XXXX was opened with Coinbase to fix the issue shortly after XX/XX/XXXX. Coinbase refuses to settle the final charge, withholding the excess amount plus a 2 % card reward, refuses to give any basis for this decision and has caused a great deal of emotional and irreparable damage to me. At the moment of this writing I am still being told to wait. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: CA
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:
What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with fraudulent late charges and fraudulent charges from Kohl 's department store since XX/XX/XXXX. They have admitted their wrongdoing in the form of repayment checks ( amount usually only a little over 10 dollars. ) My issue is tha5t i had to close my account the first time this happened. and it took me over 4 months of being utterly harassed by Kohl 's for debts i did n't owe. It would be a lot easier if i could just mail someone at CFPB all of the documents. i saved every single last bill. I have been a loyal customer of Kohl 's for almost a decade, and i have ALWAYS paid my bills in full, every time. There was a huge mix up where Kohl 's tried to place a fraudulent online charge on my account back in XX/XX/XXXX. This charge led to other late charges being put on my account. when it came try to get this issue rectified, Kohl 's took over 4 months to get me to a supervisor. As soon as i spoke with XXXX XXXX ( Kohl 's debt center supervisor ) ( phone number- XXXX ) he admitted the wrongdoing and i was reimbursed for the wrongful charges and my account was closed. i decided to open another account in XX/XX/XXXX because, well, i loved shopping at Kohl 's because they have a great selection. However, after i made a purchase in XX/XX/XXXX, and then paid it off as soon as that bill came, i started getting the harassing phone calls again stating that i owed late fees and such. I have spoken over 20 times with the supervisor XXXX, to which he has admitted the wrongdoing on Kohl 's part. However, these fraudulent late charges that they are placing on people 's accounts is FRAUD! Starting in XX/XX/XXXX, i started getting late charges on my monthly statements again, even though i Had n't Stepped foot inside of a Kohl 's since XX/XX/XXXX. Just this month, i have received : two separate account statements, both claiming I owe a different amounts, another bill statement claiming i owed XXXX, and a reimbursement check for XXXX. however, Kohl 's still calls me 6-8 times a day demanding i pay my debt. a debt that according to my billing statement is non-existent. i have left several message for teh supervisors regarding the issues that started again in XX/XX/XXXX of this year, but have n't heard back yet. so filing a complaint with CFPB is my last resort

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?

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 2022-08-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge... XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX2006 Balance : {$0.00}. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX Opened : XX/XX/XXXX/1996 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was informed by our lender that there was a credit problem on my report with Wells FargoXXXX XXXX. The lender stated that according to the credit report, the XXXX XXXX  XXXX account was closed XXXX of 2020 and there was a {$7.00} outstanding balance remaining. 

The last payment paid to this company via their phone number was on XX/XX/2020 for the amount of {$210.00} which according to the IVR, that was the current balance ( not the minimum payment ). I was under the impression that the bill was " paid in full ''. I just received a bill for the Billing Cycle XX/XX/2020 to XX/XX/2020 for the amount of {$7.00} that is due on XX/XX/2020. 

The information on my credit report is false/not valid and is affecting my credit score tremendously especially now when I am in the process of purchasing a new home.

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 2016-12-09
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I regularly check my credit information with XXXX. In XXXX of XXXX I discovered I had a delinquent account despite not receiving any notification of such. I was able to learn that it is a collection agency called XXXX XXXX XXXX XXXX reporting an amount of {$130.00} owed to XXXX. The problem that I have with this, is that I never received any notification from a collection agency for that amount in the last 5 years. In fact, I currently have a XXXX account but have not had XXXX in my name ( before the one I opened around XXXX or XXXX of this year ) since sometime around XXXX. I disputed the report with XXXX and they removed it immediately. Equifax has not removed it, I have not been able to contact the collection agency to have it removed but I do not think that it is acceptable to put a 5 year old debt back on to someones credit report with a new, more recent date!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern : I received a copy of my credit report and am disputing 1 incorrect hard inquiry that needs to be deleted indicated in the attached letter below : XXXX XXXX ( Bank ) hard inquiry from XX/XX/2021 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( LexisNexis ) , LN then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.

Company response to consumer: Closed with explanation