BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: Ingo Money, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Every check I have submitted to Ingo money it has been declined for one reason or another. Today was the best.

A check from a client, from XXXX with everything printed exactly. They declined saying that the name and needs to be pre-printed on the check. It clearly was. It even has the Code from XXXX on the check. 

They can't seem to approve any check, keep getting Error code ( XXXX ) they can't accept a check that is hand written, they can't accept a personal check, they can't accept corporate checks, they can't accept printed checks with every single detail in order. A total of 4 checks have been submitted from small companies, handwritten, printed and electronic from XXXX and they have all been declined. Obviously, they only accept payroll checks. Well many of us don't work for some corporate entity because we are entrepreneurs. 

This service is horrible. They approve nothing, accept no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Ocwen Financial Corporation
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Not only did Ocwen XXXX us over for over a decade, so we also filed a complaint with CFPB due to their lies and demanding they fix the credit report. Instead of doing what is right, they purchased PHH mortgage, sold our mortgage to them, and still haven't fixed their wrongdoing. Ocwen needs to completely remove their account off of all three credit reporting agencies. PHH needs to update the account as we have paid in full on time every single month since they became our account holders. This is beyond ridiculous. We have found a lawyer who has successfully won litigation against them in the past and will be working with him. We have documentation to prove that they are liars and have unethical practices. These companies must be stopped and held to a higher standard. You would think that failing time after time they would be shut down for good. But instead, they pay a hefty fine and keep screwing people over. DISGUSTING!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: JFQ Lending, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted JQF Lending, Inc. and applied to refinance my mortgage in early XXXX. My rate lock expired on XX/XX/XXXX. From early XXXX to XX/XX/XXXX interest rates rose dramatically. In late XXXX and early XXXX JQF Lending, Inc. began to request additional documents that were superfluous. It was an intentional delaying tactic. On XX/XX/XXXX they had contacted the insurance company that I insure my home with to change where my renewal premiums were to be sent. It proves that they had already approved my mortgage. On XX/XX/XXXX they sent me a new set of closing documents and added {$380.00} of points. I told them that was unacceptable. After XX/XX/XXXX they again asked for superfluous documents. Today, XX/XX/XXXX they sent me a new set of closing documents that added an additional {$540.00} of points to the {$380.00} they had previously attempted to extort from me. They clearly do not want to do this loan. They should not be allowed to continue in this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I ordered a product that popped up on an internet search. I immediately realized that this was a fraudulent site and purchase and notified PayPal via telephone. A dispute was opened and when I logged in I uploaded docuemnts to prove the fraud. They investigated it and on XX/XX/2021 Synchrony Bank sent a letter advising that the research indicated I purchased the item and received it. I DID NOT. THe tracking number on the POst Office reciept shows it was delivered to XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX. The item a XXXX XXXX can not fit in a mailbox and weighs approximately XXXX or XXXX lbs. The box the one I purchased from XXXX XXXX for {$110.00} was in a box XXXX '' XXXX '' XXXX '' ... no way it went in a mailbox. Pay Pal did nto review the documents I sent and charged me the {$69.00} for a product I never received from a compnay that is perpetrating major mail fraud!!!! Because they lost their money to this crook they are making me pay. They do not adequately vet or research their vendors obviously.

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 2023-12-01
Company: Lendmark Financial Services
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received something in the mail from them for a preselected offer XX/XX/XXXX I called them on XX/XX/XXXX to get a loan and they told me that there was an auto decline the branch manager told me this.. I advised her what the law was and she stated that she gets trained on this and that I don't understand what the law states even though on your website says that denial of credit is considered discrimination you stated that she will not but does not have the ability to reverse the decision.. XXXX XXXX XXXX Branch manager also stated that they get trained on this every year which means she knows what the law is and decided not to rectify the situation after I pointed this fact out to her

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-02-28
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted an employment certification form on XX/XX/2023. My PSLF payments have still not been updated. They say to allow for up to XXXX BUSINESS DAYS!!! to process. That is an unreasonable and undue amount of time to wait for payment counts to be updated. They should be updated within a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MI
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:
A bankruptcy is showing on my credit report which I asked to get verification and still noting i contacted the 3rd party company they said they dont give any information

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 2021-05-03
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX hacker was attempting to steal my funds from Coinbase and Coinbase Pro and I lost access because they changed my password and I asked them to freeze accounts. They confirmed that they froze accounts but now they will not let me recover access. They ask me to open a new account but when I try I get a letter back that I am not allowed and that my account is deleted. 


I filed complaints with them, the XXXX, the SEC and have heard nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
US Bank offered a very generous promotion that stated by opening a business checking account and leaving a minimum of {$3000.00} in the account for 60 days, that they would pay out a bonus of {$500.00}. This was a ploy to then illegally charge those accounts for an account that was advertised as a free account, meaning no fees. Despite the fact that me and my associates all selected electronic statements when opening the account, US Bank defaulted all accounts to paper statements, without any notice on the promotion or while opening the account. This default not only caused my account to be illegally charged a monthly fee for paper statements, but then disqualified my account for the bonus they promised. This was done by design, and without any remorse as proven by the fact that they happily reversed the monthly fee, while stating to me that it was not disclosed anywhere, and then refused to honor the {$500.00} bonus with the excuse that my account fell below the {$3000.00} minimum when they illegally charged my account for the monthly fee. This goes to misleading and deceptive sales practices which was further perpetuated by US Bank then stating that only a branch manager could solve the problem causing me to drive to a branch that I had never been to, to only be told by that manager that he would have to call the same number I did and would most likely not get anywhere with them.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Did not receive method of verification. Do not feel as though a thorough investigation was done. Please see attached document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10
Company: Coinbase, 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:
Hello I am experiencing problems using Coinbase Wallet. I have been in contact with their customer support but over several weeks now but so far they have not been able to help me. 

On XX/XX/2021, I created a Coinbase Wallet, linked it to my Coinbase profile, and wrote down my unique word combination ( password ). 

A few weeks later, on XX/XX/XXXX, I sent XXXX  coins from my Coinbase account to my Coinbase wallet ( I got below message as an email from coinbase at the time ). 

Congratulations! You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbaseaccount. To facilitate this transaction, you paid XXXX XXXX ( {$1.00} USD ) in network fees. 

Now, a few weeks ago I tried to log into my coinbase wallet using the same unique word combination that I wrote down in XXXX when I opened the wallet. However when tried to log in, it seemed like this created a completely new coinbase wallet account. I checked on XXXX, all my XXXX are still in the wallet ( XXXX ), but when I now go to active wallet in my Coinbase Wallet App, none of the " active '' wallets are the one that received my XXXX back in XXXX. 

Cleary my word combination is correct, but I wonder where the wallet is that received my coins? What happened to the wallet that I linked to my Coinbase account on XX/XX/XXXX? 

They should be able to see that the coinbase wallet XXXX is linked to my Coinbase account, correct. 

As mentioned, I have reached out to their customer support multiple times already, but so far the replies weren't very helpful. I am using the XXXX app ( XXXX ), but don't think this is a software bug but something more serious. 

Thanks XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 with the fair Credit Reporting act XXXX 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 a 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 non-monetary relief
Consumer complaint received 2023-02-01
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:
It was revealed in my credit report that a closed account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX and transunion credit report : Account name : XXXX XXXX XXXX Acct number : XXXX Date open for transunion : XX/XX/2022, Date open for XXXX : XX/XX/2022. Both are reporting different dates, I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: Convergent Resources, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit profile through XXXX  and convergent outsourcing collection agency has added a derogatory mark on my credit report. Upon further research, it appears that this account was transferred or sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, I have not received no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and state that the debt is mine. According to the FCRA, Covergent Outsourcing has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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 identity stolen and credit cards with USAA since last XXXX. They keep telling me it will be resolved but nothing ever happens. It has been 11 months and it is still not cleared up. USAA started sending my statements to Texas last XXXX and the person opened up another visa credit card. I live in California and have never lived in Texas. The person charged over XXXX on the XXXX XXXX and XXXX on the visa in 1 month. We froze the account and they are saying it was me making the charges in Texas. The person also deposited XXXX into my checking which USAA froze for 9 months. They did close the checking and said that was fraud but the credit cards are not. Please help me setting this and clear my credit. 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 2021-03-19
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/XXXX XXXX I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with identity theft also, I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : The following accounts is not mine Equifax Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
DISPUTING XXXX XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX REPORTING Name- XXXX XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX DC XXXX SSN last 4 XXXX Account number XXXX I, XXXX XXXX, hereby officially disputing XXXX XXXX XXXX also known as XXXX XXXX XXXX reporting to credit agencies as untrue. 

I am asserting that the reporting of late payment from XXXX XXXX XXXX also known as XXXX XXXX XXXX is false or untrue. 

I have attached documents showing an up to date payments from XXXX XXXX XXXX also known as XXXX XXXX XXXX .Reporting false info to credit agency amidst pandemic hardship is cruel and illegal business practices. 

I therefore employ you to investigate and adjust my credit report. 

Thanks XXXX XXXX XXXX ( XX/XX/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 2020-01-17
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
My bill was reported incorrectly 30 days past the due date in XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NV
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:
For the past several months I have submitted documents against the credit reporting agencies Experian, XXXX, and XXXX XXXX. All I get back for a response is the Bankruptcy is valid. I never submitted documentation with my consent to fish for information to add to my credit report. I have filed charges with Nevada State Attorney General for Identity theft.

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 2023-01-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following notifications on my credit are fraudulent of incorrect. I have not changed address or applied for any new credit. My email was found in a security breach and the following is reported : I am seeing a new inquiry from XXXX XXXX XXXX on XX/XX/2023. 

I am seeing a new inquiry from Jpmcb Card on XX/XX/2023 I am seeing a new Inquiry from XXXX XXXX XXXX on XX/XX/2023 I am seeing a false address on my credit XXXX XXXX XXXX on XX/XX/2023 I am seeing a new inquiry from Jpmcb Card on XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXX-Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation