BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: Foris DAX, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2022, {$100.00} was debit it from my XXXX XXXX  Debit Card from the Crypto.com exchanged. The money was taken from my checking account, but it was not credited to my XXXX wallet on Crypto.com. so I have sent a message to the Crypto.com team to inform them of this transaction. They have worked continuously for a few days to try and figure out why it did not post to my account, they was able to see that the transfer was completed, but did not post, so on XXXX XXXX, Crypto.com asked me to contact XXXX XXXX to try and get this transaction reversed and sent back to my account. Then on XXXX XX/XX/2022. My Crypto.com debit card was blocked as well as my crypto.com app to purchase and sell crypto. I had no knowledge or notification that I was going to have restricted access, this was because of the case, I have requested on XXXX XXXX. They have received notification from XXXX XXXX in regards to the XXXX XXXX situation, and now they are asking me to request a cancellation letter from XXXX XXXX XXXX XXXX, before they could unlock my account. XXXX XXXX is not aware of this procedure and they have been willing to help me retrieve my money that was taken from Crypto.com. My account as well as my Crypto.com card is still restricted. I have over 1500.00 in assets with this Crypto exchange now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, I was invited to sign up for a Rewards checking account. According to the terms of the email, I was offered a {$200.00} sign up bonus upon depositing {$5000.00} within 30 days of account opening and maintain that balance for more than 90 days. On XXXX XX/XX/2023, I signed up using the link from the email and deposited {$5000.00} into the rewards checking account according to the terms of the sign up offer. I have maintained the same balance as of today. Its been over 120 days and there is no sign of sign up bonus. When I tried to contact American Express customer service, I was given some lame reason stating that the sign up bonus was not offered because their transaction system somehow categorized the transfer as an internal transfer. I don't have own any account other than the rewards checking account and a blue cash credit card. Even if it is the case, there is no way, the funds deposited with them can be considered internal as I don't own another account on my name with American Express and I didn't have any deposits with American Express prior to this on my name. 

It feels like American Express is resorting to deceptive marketing to get deposits and then deny bonus with lame excuses. Even though I have patiently waited for 120 days with my money deposited with them, American express has not stuck to the terms of the sign up promotion but rather giving me a runaround. I want the sign up bonus promotion of {$200.00} to be honored and request bonus be deposited into my account. Request you to please check and update. 

Attached the first and the latest statement from the account for reference. 


Thanks and Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I held 8 bitcoin at Coinbase at the time of the fork but I have not been credited with bitcoin cash. What happened is that in between the time of the fork and the time in which the accounts were credited I had to move my account because of access issues. I did so following Coinbase 's instructions. My account was never credit with bitcoin cash, however. I have been trying to resolve this with Coinbase since XX/XX/XXXX.

On XX/XX/XXXX I was told by Coinbase support " Hi there XXXX, Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete, or if we have any further questions.

No further action is required on your part at this time. Please note, we are experiencing tremendous support volume that may delay response times. For fastest response time, please do not send more than one email response. Thank you in advance for your understanding and patience.

Thank you for your patience in the meantime! '' But I have yet to be credit and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-09
Company: EQUIFAX, INC.
State: MT
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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple XXXX  loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATION/ XXXX which accumulated over {$200000.00}

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 2021-06-10
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collection agency has frequently made repeated calls during work hours ongoing for two years, one in particular made by the executive vice president who offered little to no help after expressing the importance of my workplaces no phone policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Physicians & Dentists Credit Bureau
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PHYSICIANS AND DENTISTS CREDIT BUREAU , INC. dba P & D COLLECTION SERVICES  did not send me a bill. I had been waiting for it so I could pay it because it never should have gone to collections in the first place ( XXXX  sent balance to collections while we were fighting with our insurance after we were told they would hold the bills for us ). When I finally got a call from a " bill collector '' over a year later they said their company name incoherently so I could not look them up to see if it was a legitimate company. I still called them back and no one answered. Speaking unclearly, and not answering at a collections company are red flags for a scam yet I still left my name and number for them to call me back in case it was this bill I had been waiting for. They called me back multiple times but only while I was working and unable to take a personal call. Even if we'd spoken on the phone, I would not have given them money over the phone, I know not to do that. I never got anything in the mail and XXXX years later they are suing me and asking interest and attorney fees when I never even got an address to send a payment to. A company half a mile down the road from my residence can verify they've returned stolen mail from the homeless encampment behind their business, I have at least the last XXXX years worth of USPS informed delivery emails, and I now have a locking mailbox. So I will say there is a slight chance they sent me something in the window before I started the informed delivery emails but if they didn't send me anything in the last XXXX years, it seems ridiculous that they could charge so much in interest and attorney fees when they wouldn't even pay {$7.00} for a certified letter with a return receipt to ensure I received the bill. How much did it cost them to get an attorney to draw up paperwork and file this with the court and send someone to my house to deliver the complaint and summons? Logically, you should start with spending the least amount to ensure delivery of the bill because this would have been paid XXXX years ago. Also, if I called and left a voicemail, confirming you have the right person and phone number, leave more information when you call and leave another voicemail so I know you are a legitimate company. Validation information. Anything so I know it's not a scam. Give me a website, an amount, the provider name that we owed money to. I genuinely want to pay my bill and I still don't know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is continuation of my last complaint XXXX, which CFPB closed. But the problem remained unresolved. 

In short, I had sent {$1000.00} to XXXXXXXX XXXX XXXXXXXX via WU. WU claimed the money was transferred XXXX XX/XX/2023. I have been communication with both WU and XXXX since that time. But all I received is denials from XXXX and WU 's claim of successful transfer. XXXX demanded a SWIFT number, which WU provided to me, and I sent that to XXXX. XXXX corporate office now wanted to correspond with WU directly to track the missing money. I gave XXXX the email address of WU ( name : XXXX ). XXXX wrote to XXXX and waited for a response. I suppose WU ignored them. A reminder was sent. This too was not answered. Then I wrote wrote WU to ask if the contacts have been made. No response. On XX/XX/XXXX I sent a reminder to WU. To this date, no response. 
I am getting the runaround. If one of these two entities clearly tell me that the money has been lost and neither can do anything more, that would be a resolution - not the one that finds the money but I would at least know where they stood. 

I am attaching a pdf of this last letter to WU which has the chain containing previous communications of mine with both XXXX  and WU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage loan was paid in full as of XX/XX/2022. The company, nor I, owe any additional payments, charges, fees to Select Portfolio Servicing Inc ( SPS ). In fact, the mortgage loan was overpaid on purpose so XXXX XXXX XXXXould realize that the balance will come to {$0.00}, regardless of how many illegal, deceptive, unethical, non-transparent and more importantly pure theft charges, fees and " made up '' balances they want to attempt to make. 

There is a bank account that was linked to the online payment system within SPS at www.spservicing.com. This is a primary bank account that is treasured. Low and behold, what do you know?! SPS has found a way to LOCK, BLOCK and completely STOP the bank account to be fully removed, even though there has been a XXXX Balance / Paid In Full Account dating back to XX/XX/2022! 

See the attached screenshots. This is a literal fact that SPS has completely removed all abilities for me to legally remove my bank account from the online account. 

Here is the icing on the cake!! 

Select Portfolio Servicing Inc. has done it yet again. They not only have locked me out from removing my bank account from the online system, but they also have recurring payments scheduled starting XX/XX/2022! This is pure theft! The mortgage loan is completely paid in full over a month ago. And SPS finds a way to top themselves yet again! 

My bank account must be removed this week by Friday XX/XX/2022 at XXXX PM EST. 

All banking information and banking accounts must be fully removed from my online account Friday XX/XX/2022 at XXXX PM EST. 

All current, pending and future illegal payments that SPS has in their system and all payments that SPS has completely and illegally locked me out from disabling and voiding out, needs to be fully removed and updated by this Friday XX/XX/2022 at XXXX PM EST. 

This is pure theft, this is illegal, this is highly unethical, and I will not stand for this for another moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Yamaha Motor Finance Corporation USA
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a motorcycle and financed it through Yamaha Financial. During the loan period XXXX of XXXX I had requested a registration packet to title the motorcycle in local state. I waited a month with no answer and called again. Waited another couple of months still nothing. I asked my local DMV to request the paperwork needed via email to send it back by fax. Still haven't received paperwork by XX/XX/XXXX. Reached out by email to their administration department with my concern asking for the registration packet. Finally XX/XX/XXXX I paid the motorcycle off hoping the title would come quickly and it would be over. No, found out on XXXX XXXX, XXXX I needed to do their job for them and send my lien release form to previous to release my title. Weeks later I was contacted by previous states local treasury department that they do not participate with the California Seal Certificate. Previous state representative and I have contacted Yamaha asking for the proper paperwork after numerous phone calls and emails. They said they would send out the correct form with the proper information needed. I received a copy today XX/XX/XXXX of the wrong form again. I have spoke with several supervisors in customer service and the titling department and they can't resolve this matter. After almost a year paid off I would like my title, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: WELLS FARGO & COMPANY
State: OH
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:
A police report was filed concerning a fraudulent charge on my Wells Fargo credit card. The police report was forwarded to Wells Fargo. It was not acknowledged by Wells Fargo ; they didn't respond or remove the charge off. I pay off the fraudulent charge. I still have a copy of the report that was filed.

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 2021-11-10
Company: EQUIFAX, INC.
State: MI
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 have notified XXXX, Equifax and XXXX several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising XXXX, XXXX and Equifax of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue XXXX, Equifax, XXXX and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Several XXXX XXXX  employees called me and left voicemails over several days. I had previously requested that I be removed from their sales list, so called back thinking there might be an issue with my mortgage. 

The salesperson I spoke with asked me several questions about my home situation ; throughout our conversation, I was clear that I had no interest in making any changes to my mortgage. The salesperson then stated that he was going to take a look at my credit to make sure everything was in line and asked me if the last four of my social were XXXX. I confirmed that the numbers were correct, and which point he immediately left the call and put me on hold - before I could ask what he meant by taking a look at my credit or why he would need to do so. I absolutely did not understand that he was going to make a hard inquiry into my credit. He did not use the words " mortgage inquiry '' or " hard inquiry. '' When the salesperson ( who referred himself as a " banker '' ) returned to the call, I asked him if he had just executed a hard pull on my credit report and he assured me that it was " no big deal. '' Unsurprisingly, my credit score was in fact negatively impacted by his action. I later contacted XXXX XXXX  to ask that the inquiry be removed from my credit report and they said they could not remove it because I consented to the credit pull by confirming the last four of my social. Again, I did not understand that the salesperson was asking for my consent to create a hard inquiry into my credit and had made clear that I had absolutely no interest in any new mortgage product.

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 2022-08-19
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: Personal information incorrect

Complaint:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  XXXX account # XXXX Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil liability for willful noncompliance [ 15 USC 1681n ] Also, some of the above accounts are XXXX XXXX XXXX or older.. 
Texas and Federal Law *Section 16.004 of Texas Civil Practice and Remedies Code. 
THE STATUE OF LIMITATION ON A DEBT IN TEXAS IS XXXX YEARS *Section XXXX of XXXX XXXX Code THIS SECTION OF THE LAW INTRODUCED IN 2019, STATES THAT A PAYMENT ON THE DEBT ( OR ANY OTHER ACTIVITY ) DOES NOT RESTART THE CLOCK ON THE STATUE OF LIMITATIONS. 
THE ACCOUNTS 4 YEARS OR OLDER MUST BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
through PayPal i was meant to receive a {$150.00} payment. the sender claimed to have sent that amount. instead they said they needed to send XXXX more in order to for me to claim the {$150.00}, but once they did i would need to refund them the {$300.00}. i did so, after they said i needed to send it in two payments of XXXX which i did. but then they claimed to have {$500.00} more taken from them. i then realized it was a scam.

Company response to consumer: Closed with explanation