BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Fedloan, changed my Income Based Repayment from XXXX a month to almost 900. When I called and questioned they said I was missing paperwork and it was my fault, I questioned them about what paperwork and why I wasnt contacted regarding the missing paper they said it was a mistake on their end and that they will resolve. After speaking with an escalated case manager I was issued the difference of around 500 dollars, which I was told I was getting my refund back at the end of the month, now another representative actually laughed and said no it takes up to 50 days! I called again and was on phone for almost an hour because now it shows that my payment is late and that I owe them XXXX, I call and to no help and the representative actually questioned me to when Im making my payment and to reinstate my auto debit. I call daily and everyday I get a different answer and made to feel inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
i recently received a copy of my XXXX  credit report and noticed multiple unauthorized hard inquires, to my credit file i did not give permission for anyone to grab a copy of my credit report, my credit report was frozen and XXXX gave credit card companies access. these hard inquires seem to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XX/XX/XXXX Statement attatched. USAA temporary credits listed XXXX+XXXX+XXXX+XXXX+XXXX +XXXX+XXXX+XXXX+XXXX+XXXX+ XXXX+XXXX+XXXX+XXXX tto begin the investigation HAVE NOT BEEN MADE PERMANET CREDITS JUST TEMPORARY TOTAL {$320.00} ( TOTAL PAYMENTS AND CREDITS this period {$450.00} ) AS TEMPS ARE NOT PERMANET APPLIED TO BALANCE YET ALL DATED XX/XX/XXXX. USAA REVERSES TEMPORARY CREDITS NEVER APPLIED TO BALANCE AS PERMANET CREDITS ( MAKING TEMPORARY CREDITS BECOME NEW CHARGES ) in amounts XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} Credit Reversals of USAA TEMPORARY CREDITS to begin investigations and they ARE NEW CHARGES??? See attatched XX/XX/XXXX Fraud Letter of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ALL THESE FRAUDS HAVE BEEN DISMISSED.?? IGNORED?? TOTAL {$150.00} FRAUD DISMISSED NO RESOLVE. NONE OF THESE TEMPORARY CREDITS APPLIED TOTAL CREDITS {$450.00} CREDITS APPLIED this period USAA MAKES PERMANET CHARGES OUT OF BEGINNING TEMP CREDITS in amount of {$160.00} AND DISMISSES CREDITS OF {$150.00}??? USAA DOES NOT RESOLVE FRAUD AND CREATES NEW CHARGES OUT OF TEMP CREDITS ALL USAA CREDITS ARE HIDDEN INTERNALLY FROM CONSUMERS VIEW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was a victim of mail fraud and corruption. I defaulted on my house and needed a VA home modification loan in XX/XX/2019, I filed for the modification with HuntingtonNationalBank. In XX/XX/2019, I spoke with the analyst, they stated that I was approved for a full VA home modification loan but I just need to send the agreed upon documents. I sent them in but Huntington National Bank Mortgage department suspended finishing my loan, they then changed my status and denied me from a full VA home modification loan. They sent my letter dated XXXX XXXX. XXXX  but the letter had 2 ink stamps from the USPS, one XX/XX/2109 and XX/XX/2019. I received the letter 14 days after the date on the denial letter as well as the reason why I was denied omitted from the letter. I will now file a complaint with the FBI for Mortgage fraud. I have also filed a USPS mail fraud claim against Huntington National Bank for sending me a denial letter and deliberately omitted the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have not received a legitimate response to this issue and it has been several business days. I only receive automated responses from bitcoin despite promises of responses with 72 hours. On XX/XX/XXXX I sold XXXX BTC for {$3200.00} USD. The funds still have not been deposited in my linked checking account. OnXX/XX/XXXX I was notified that a payment will be sent to my XXXX XXXX by Thursday XX/XX/XXXX but the payment still has not been received as of today, XX/XX/XXXX. I would like to know the status of my sale of bitcoin and the payment that I am expecting? Should I still expect to receive {$3200.00} to be deposity in my account? See below for the transactions on my account : Sold bitcoinXXXX BTC {$3200.00} USDTO XXXX XXXX ********** XXXX XX/XX/XXXX COMPLETE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a freeze placed on my credit report on Equifax due to an outdated phone number. I have asked them to remove this freeze and it is still showing a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus - Experian,  XXXX  and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report i n 2015. Th is was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in  XXXX  's case, the fraudulent inquiry.

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 2020-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
For the last few years, I have been dealing with an issue with capital One as far as credit card issues. If you years ago around XXXX or XXXX, my ex-girlfriend, XXXX, opened for credit cards in my name without my knowledge or agreement. She did this over the internet I believe, because I never signed for anything. after spending and overspending, I tried letting capital One a few times know that I didn't open these accounts and I am simply making payments on them until we can get things satisfied it situated. In that time, my ex kept using my card information. I ordered more cards so then I would have new cards so she couldn't use them anymore. My ex is going through a hard time and was struggling with many issues especially addiction. I haven't found her and can't tell you where she really is, but she has done this with me on multiple accounts. afterwards, while trying to make payments on these cards, I fell behind because I lost my job, and was injured, and there were a host of things. I submit multiple documents to capital One showing three or four different report I filed that my identity was stolen and that I did not in any way shape or form request to open those credit cards, and that I shouldn't be held liable for credit cards I did not request or digitally sign for. And that I did give them the information showing a file those complaints years ago. however, every time I contact at capital One, either I was transferred around over and over and over and over, or they will get upset with me and mistreat me and speak to me in a horrible and awful town. I am tired of going through this. And either I would like to try and settle these accounts so I can get them paid off and we can move forward so they stopped affecting my credit in a negative way in which they are, or I would like for them to be disassociated from my social security number and not associated with me at all, and remove him from my credit reports at once. Not many people at capital One have been helpful and usually they just end up attacking me after I've come to them multiple times seeking help for issues on something I had nothing to do with and didn't really know about. Either way, I wish somebody would help me out, I really need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Bread Financial Holdings, Inc.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get 9 calls a day from Comenity Bank. My mother gets 3 to 4 phone calls a day even though she asked them not to call her. I also get phone calls for an XXXX XXXX who i do not know and does not have my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am filing this complaint in case other Comenity Bank card holders are having the same issue. I called Comenity Bank on XX/XX/21 when I noticed a mysterious {$.00} foreign transaction fee assessed on XX/XX/21 on my credit card statement for my Sony XXXX. Comenity agreed that the fee was strange and agreed to reverse it. They had no other explanation for the fee, so I am concerned that this might be a widespread issue. The charge is not in the purchases section of the statement but listed separately in the fees section.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact XXXX, Transunion, and XXXX  to see what they can do but I have yet to get any answers about what can be done.

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 2021-11-26
Company: Genesis FS Card Services, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
It started at XXXX on XX/XX/2021. Needed a new device and noticed XXXX had a feature on their website for 'Prequalify '. It said you can prequalify for 0 % financing before you start shopping. I did this and was approved. I was sent an email with " You're approved for a credit card from XXXX! ". I figured out what I wanted and was ready with my product and with the thought of an approved credit I was going to check out. I started the check out process and when asked for pay options I chose XXXX XXXX. I was asked the same questions I had just answered about my personal finances which I thought was normal. I completed my check out and received my order confirmation. I received another email congratulating me on being approved for XXXX XXXX. This was confusing since I thought I was already approved for XXXX Credit Card and now I was being issued a credit account thru XXXX XXXX  I feel this was all very misleading from 'Prequalify ' to the XXXX XXXX XXXX out function. When I called XXXX directly they said I basically have XXXX credit accounts now. I told them this is unacceptable and felt mislead. They transferred me to financing directly and was advised to simply close the credit account ( s ) if I didn't want them. I immediately cancelled my order thru XXXX and simply used a debit card until I knew how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus -  XXXX ,  XXXX  and TransUnion.  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report  in 2015. T his was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in   XXXX   's case, the fraudulent inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not know Cooling and Winter LLC nor XXXX XXXX XXXX, XXXX XXXX XXXX. I requested them the proof of the debt, I owe to them. Instead of sending me the proof, they sent me forgery XXXX County court Record and moreover they attempt to steal mon

ey from my bank account. Attached : 1.
Original Writ of XXXX XXXX on XX/XX/XXXX 2. Forgery Writ of XXXX XXXX 3. Forgery Document Follow Up 4. Forgery Garnishment Filing 5. Cooling & Winter LLC Name was Reserved and Established on XX/XX/XXXX but Their name was in Writ of XXXX XXXX on XX/XX/XXXX 6. ID Theft Report 7. Request Proof of Owe : Certified Letters and was Delivered to Cooling & Winter

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 2017-06-10
Company: SYNCHRONY FINANCIAL
State: SC
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:
I have been attempting to resolve this issue for almost a year wit h Walmart ag ent Synchrony Bank. My card was compromised   XXXX   of 2016   with charges from  XXXX  and  XXXX . After contacting Synchrony on numerous occasions to resolve the issue their solution was to refund the charges and re-issue the card. Since these charges were setup as re-occuring charges the charges were not blocked but rolled over to the new card. My credit card continued with the roll over because their outdated rule do not have the ability to block these charges. After  XXXX  re-issues, I personally called  XXXX  and they stopped the charges and told me if Synchrony had rejected the charges they would stop. The problem is I can not find a single number to call  XXXX  and any written correspondence requires account information which I do not have since I never had one. Now the charges appeared again, my account was blocked from usage again and a  XXXX  new card issued. Since everytime I call the number on my card it says " Thank you for calling Walmart credit card services '' I have to assume th at Synchrony is the agent for Walmart. T his is important because if that re-occuring charge appears on my  XXXX  credit card I will file a civil suit with a jury request against both companies.

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 2017-06-10
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
The account was opened on  XX/XX/XXXX  and never was provide the service by the sales person,  XXXX   XXXX  representing the merchant for the use of the credit card machine. In addition, I paid {$35.00} extra for an upgraded wireless credit card merchant processor . Again ne ver received the item. Since then the machine only functioned during the month of  XX/XX/XXXX  never again. I complained serval times to the sales rep,  XXXX   XXXX   ( ev ery month ) and was told that the company would replace the machine which never arrived and that the monthly service charges would be refunded. I was ignored and lied too continuously as no action to correct this matter was taken by the Merchant. I have also been charged an Annual fee of {$120.00}. I contacted their customer service on  XX/XX/XXXX  and spoke to  XXXX , also on  XX/XX/XXXX  and spoke to  XXXX  to complained about the Annual Fee and Monthly Charges as well as to complain about the credit card machine still not working and the sales rep not responding as promised. Both  XXXX  and  XXXX , Customer Service Reps advised that the company would refund the Annual fee and the monthly charges. I followed up again with their customer on  XX/XX/XXXX  and spoke with  XXXX  since the refund was not done.  XXXX  said that she would research what happened as their system showed I was to be refunded. She said that she would follow up with a response no later than  XX/XX/XXXX  but I never received a call back. I called again and spoke with  XXXX  on  XX/XX/XXXX  to explain the above was promised a replacement credit card machine which was received in  XX/XX/XXXX  and on  XX/XX/XXXX  the business was sold. I informed th e Sales Rep,   XXXX   XXXX  of the sale and completed a new agreement with the new owner of the business and that my lease agreement would be cancelled without penalty. The sales rep,  XXXX   XXXX  that same day the new account was signed with the new owner took the credit card machine that was assigned to me. The new owner received a new credit card machine later that week. I continue to receive calls and am being charged for services I no longer am responsible for. This unjust and criminal. As of  XX/XX/XXXX  the total amount taken from my back account is {$370.00}.

Company response to consumer: Closed with explanation