BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I filed for Ohio XXXX XXXX on XX/XX/XXXX, and my US Bank Reliacard was mailed on XX/XX/XXXX. I have received XXXX weeks of payment in the form of a check, but there are XXXX weeks of outstanding payments that I am currently due and I am also going to be short on rent due to the extreme delay of the ReliaCard delivery. The website has consistently said the card will be delivered in XXXX business days, but that's been about a week now that it has said that and I have been provided absolutely nothing. I'm very concerned about making rent on the XXXX and my other bills that are due very soon after on the XXXX of XXXX. The delay of this card has caused intense anxiety and I truly don't understand why it's taken such a long time but I want an answer and an exact delivery date but XXXX and US bank haven't been able to provide me with any of that.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
9 MONTHS AGO WHILE MONITORING MY CREDIT REPORT I DISCOVERED AN ACCOUNT IN COLLECTION STATUS ON MY CREDIT REPORT. IT WAS REPORTED ONTO MY CREDIT REPORT FROM A TELECOMMUNICATIONS/INTERNET SERVICES PROVIDER COMPANY THAT I HAD NEVER DONE BUSINESS WITH, CONTRACTED WITH, OR HAD SERVICES PROVIDED BY THEM. THE COMPANY REPORTING THE ACCOUNT AS UNPAID AND IN COLLECTION STATUS WAS SHOWN AS : XXXX XXXX FOR XXXX, XXXX XXXX, XXXX, MASS. 
TELEPHONE:XXXX  THE AMOUNT OF THE COLLECTION WAS FOR {$360.00} AND INDICATED THE ACCOUNT BEING OPENED ON XX/XX/2018. 

SINCE THE ACCOUNT WAS NOT MINE I WAS CONFIDENT THAT IT HAD BEEN REPORTED IN ERROR BY THE CREDITOR. I PROMPTLY NOTIFIED THE REPORTING COMPANIES OF THIS ERROR BY USING THE DISPUTE PROCESS TO THESE CREDIT REPORTING COMPANIES, XXXX, XXXX  AND TRANS-UNION. I WAITED THE REQUIRED 30 DAYS BEFORE REVIEWING MY CREDIT REPORT TO DETERMINE THE STATUS OF THIS DISPUTE. UPON MY REVIEW OF THE CREDIT REPORTS FORM EACH OF THE CREDIT REPORTING COMPANIES I DISCOVERED THAT XXXX  AND XXXX  HAD DETERMINED MY DISPUTE AS VALID AND HAD REMOVED THIS WRONGLY REPORTED COLLECTION ACCOUNT. TRANS-UNION DID NOT REMOVE THIS INACCURATE ACCOUNT/COLLECTION FILE. I MADE TWO MORE ATTEMPTS ASKING TRANS-UNION TO DELETE THIS CREDIT FILE WITH THE SAME RESULTS. I THEN SENT A REQUEST TO THE COMPANY MAKING THIS INACCURATE AND INCORRECT CREDIT REPORT ASKING THEM TO FORWARD DOCUMENTATION THAT WOULD SHOW THE ACCOUNT HISTORY AND PERTINENT INFORMATION. IT HAS BEEN OVER SIX WEEKS AND NO RESPONSE HAS BEEN RECEIVED I THEN MADE THE SAME REQUEST TO TRANS-UNION TO PROVIDE DOCUMENTATION THAT I WAS THE OWNER OF THIS ACCOUNT AND ALSO ASKING THAT IF DOCUMENTATION COULD NOT BE PROVIDED TO THEN DELETE THE FILE FROM MY CREDIT REPORT. NO REPLY HAS BEEN RECEIVED AS WELL AS THERE BEING NO CHANGE TO MY CREDIT REPORT. TRANS-UNION HAS BEEN EXTREMELY UNRESPONSIVE AND BY LAW IS OBLIGATED TO EITHER SHOW PROOF THE FILE IS MINE OR IF NOT TO DELETE THE FILE. THIS NEGATIVE AND INACCURATE CREDIT FILING IS CAUSING GREAT HARDSHIP. IT HAS HURT MY CREDIT SCORE AND PREVENTING MY ABILITY TO PROCURE LOANS TO PAY MEDICAL BILLS FORM MY THREE YEAR BATTLE WITH XXXX.THIS ISSUE DEMANDS INVESTIGATION AND MY RIGHTS GUARANTEED BY LAW B E ENFORCED.I HAVE EXHAUSTED ALL ASPECTS OF RESOLVING THE HARM AND INJURY RESULTING FROM THE CREDITOR AND TRANS-UNION TO SHOW PROOF OR DELETE THE FILE. I GRATEFULLY ASK YOUR HELP WITH THIS ISSUE. IT IS DIFFICULT ENOUGH WITH THE ISSUES WE ALL ARE FACING IN OUR DAILY LIVES MUCH LESS HAVE MY ABILITY TO INTERACT IN REGULAR FINANCIAL COMMERCE.I THANK YOU IN ADVANCE FOR YOUR ASSISTANCE. 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 explanation
Consumer complaint received 2019-02-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XX/XX/XXXX I was contacted by a con artist posing as an employee of XXXX offering me the opportunity to participate in a market research study regarding consumer satisfaction with a new XXXX card. I was told it was a gift card, and that I should apply for one. It would be " loaded '' with XXXX 's funds so that I could make sample purchases from the XXXX site. I would be interviewed about my experience with using the site and the card. In return for my participation, I would receive {$50.00} per interview. 

As I have participated in other market research studies, this did not seem unreasonable. I applied for the " gift card '' and was told by the thief that I should call XXXX to make sure it was " loaded '' with funds. I asked if they wouldn't notify me by email and he said they would not. I called an was told the card number and that I had {$1800.00}. 

I then followed instructions to purchases 6 gift cards totaling almost {$1800.00} which were delivered to me in the next few days. Each time I received a delivery, I was told to notify the thief, who asked me questions about the packaging and timeliness of delivery. He then told me to send photos of the cards, including the number on the back requiring me to scratch it off. 

On XX/XX/XXXX I received an email telling me that my XXXX credit card had been approved with a credit limit of {$1800.00}. I immediately realized I had been scammed and notified XXXX and Synchrony Bank, the issuer of the card. Since then I also made several phone calls and sent a letter to Synchrony on XX/XX/XXXX regarding the scam. I hold XXXX and Synchrony responsible for making this crime possible by failing to inform me promptly that I had been approved for a credit card. Clearly the thief knew about this weakness in their procedures and was experienced in exploiting it. 

I received a letter from Synchrony dated XX/XX/XXXX in which they said my dispute with the merchant had been resolved in the merchant 's favor. They included many pages of proof that gift card had been delivered to me. My complaint never said that I did not receive the gift cards. Therefore I do not consider the complaint resolved because they never addressed the substance of my complaint.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX reported my mortgage late thirty ( 30 ) days. I have never been late since XXXX XXXX obtained my mortgage on XX/XX/2021. After my initial payment in XX/XX/2021, I usually pay my mortgage a few days before the XXXX of the month.

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 2018-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Bank of America was negligent in sending a {$78000.00} wire transfer to an account with a different name on it than the one specified in the wire transfer by the sender. 

On XX/XX/XXXX the sender alerted law enforcement and Bank of America, instructing Bank of America to send a service request immediately to the receiving bank ( XXXX XXXX ). Freeze the account and get the {$78000.00} back as there was evidence of criminal activity. 

The XXXX XXXX account was immediately frozen and on XX/XX/XXXX, 5 days later according to XXXX XXXX   's own bank statement, there was {$48000.00} in the frozen account - see attached bank statement from the receiving XXXX XXXX which was provided to the investigating detective. 

On XX/XX/XXXX Bank of America deposited only {$23000.00} back into the account of the victim. 

Where is the remaining {$24000.00} that was left in the receiving account at the time it was frozen? That is MY MONEY.

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 2019-02-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Chase Checking Account on XX/XX/XXXX. Chase.com advertised a {$200.00} bonus when direct deposit is made to the account within 60 days and with a coupon applied. I signed up online by clicking the green Open Now button shown in attachment Capture1, which states below it " Coupon code automatically applied ''. I opened the account through this link believing the code was applied. 

Apparently, this was not the case and the code was not active, in spite of the advertisement on Chase.com. My first direct deposit was made to the account on XX/XX/XXXX, as shown in attachment Capture2. I waited until statements covering 60 days were posted, but did not receive the {$200.00} bonus. 

On XX/XX/XXXX, I visited a local Chase Bank branch and spoke with a manager who referred me to call the corporate customer service ( XXXX ) to investigate why I had not received the bonus. 

On XX/XX/XXXX, I contacted Chase 's customer service team and was told by the first representative that I should have received an email with the code. I explained there was no code provided because I had followed the link where the code should have been automatically applied as advertised. The representative told me that because I had not applied the coupon code ( which was never provided ) to the account within 30 days that the {$200.00} bonus was forfeited. I asked her to transfer me to a manager for further discussion and she disconnected the call. 

Frustrated, I immediately called back and spoke with a different representative. She explained that the code indeed should have been automatically applied and must have failed at some point in the process. She placed a note on my account detailing that this {$200.00} sign on bonus is active until XX/XX/XXXX, but told me that my only option was to contact a manager of a local branch to ask them to add the code retroactively to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX. I am writing because I sent sent out dispute letters to " XXXX XXXX XXXX '' three weeks ago and have not received an updated credit report nor have I seen any changes in my credit profile. Account # : XXXX This account is not mine.

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 2020-11-03
Company: EQUIFAX, INC.
State: IL
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:
The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns off my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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 did business with XXXX XXXX and charged it to my Bank of America credit card. They added a second charge for {$920.00} that I did not authorize or even tell me about. The charge is for towing my vehicle and is for {$920.00}. If they had approached me with this amount I would obviously have denied it as it is not only my responsibility but completely exorbitant. 
I reported this to the credit card company and they say that the charge is to a third party, because my insurance coverage with " XXXX XXXX '' was supposed to pay it, but XXXX XXXX would not pay it because they said it was not authorized because of the high price. I would have told XXXX XXXX the same thing IF they had contacted me and told me they were going to charge me that amount for towing. 
The bottom line is I NEVER authorized XXXX XXXX to make this charge to my account. I was never even informed by XXXX XXXX that they were going to charge my account. Merchants are not allowed to add charges to a credit card " just because they want to '' without the consent of the credit card owner.

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 2019-02-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the time period of XX/XX/XXXX - XX/XX/XXXX an apartment lease was opened in my name. This person lived there for 5 months, never paid 1 dime of rent and then left the premises I have lived in the same house with a mortgage since XXXX. I contacted Pro Collect and they will not accept the proof I have provided, which includes utility bills and cable bills showing my proof of residence at my home. The collection manager uses no common logic and will only repeat that I need to provide proof, but will not provide me exactly what she needs in order to resolve this. 

The application was signed online so there is no signature and simply is not me. Im not saying they didn't use my ID or a ID created with my information. 

This company is living in the stone ages and does not realize how crafty identity thieves can be. They claim to have proof by saying my ID is on file, but in the course of my living in XXXX I have lost my wallet and can only imagine what else its been used for. I have provided the FTC report and numerous documents. No matter what proof is provided they will play hardball and try to get you to settle.

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 2017-09-14
Company: I.C. System, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent 2 certified letters ( 1 ) received XX/XX/XXXX and signed for by XXXX ( 2 ) received on XX/XX/XXXXsigned for by XXXX. 
I have disputed this account with I.C. Systems 2 times for an account that says I owe {$540.00}, both times requesting documentation and neither time have they responded with any documentation bearing my signature that i have a contract with them. According to the FCRA if they cant produce this it must be removed and never reappear on my credit files with any credit bureaus.

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 2020-05-26
Company: Convergent Resources, Inc.
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from Convergent debt collections that I owed XXXX XXXX  {$100.00} for a bill dated XX/XX/XXXX for an apartment I had moved out of in XX/XX/XXXX ( at which I point I began using XXXX XXXX ). Also, I had moved out of TX in XX/XX/XXXX ( nine months BEFORE the bill date ). 
I have been in contact with both organizations and have not received any beneficial communication.

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 2019-02-20
Company: Synerprise Consulting Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being harassed by Synerprise Consulting Service. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( XXXX ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from XXXX which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that Synerprise Consulting Services is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau XXXX  is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX Wells Fargo purchased my mortgage. They purchased it from XXXX XXXX. The ( my ) mortgage is in an Estate name as my husband passed away almost 2 years ago. All documentation was forwarded to Wells Fargo from XXXX XXXX. In XX/XX/XXXX i received 2 different pieces of documentation. One in my husbands name ( whom is XXXX ) and one in the XXXX name. I was very concerned about this being titled correct - so i reach out to Wells Fargo. Well - they would not give me any information on my mortgage that i pay because i was not listed on the mortgage. They did confirm that the " legal '' will/estate paperwork was transferred to them from the prior mortgage company. 

This is causing me a XXXX legal issue - as it is not in the XXXX name. I have been calling for 4 months now. They tell me it is being worked on - and that they see the " legal '' paperwork that i originally sent to XXXX XXXX is in their file with MY mortgage. As of today XX/XX/XXXX - it is still not taken care of. I have letters from them - dates and names of phone calls made - just tried again today - and i keep leaving messages and NOBODY calls me back- however - they continue to take out my mortgage payments!!!!!! This needs to be in the correct time - i get the run around and nobody calls me back. One of my letters from the " Senior Vice President '' with a name - they will not even let me leave a voice mail message. Something scammy is going on with the mortgage - and is causing me a HUGE legal issue. I sure hope someone can help. Thank You

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 2020-05-29
Company: FISERV INC.
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Hello, I am having issues with my EIP prepaid debit card issued by XXXX XXXX/Money Network for my COVID stimulus payment. I am attempting to transfer my money from the card to my checking account. I started a transfer ( {$1000.00} ) using the My MN app on XX/XX/20. All information that I can find through XXXX XXXXMoney Network says that transfers should be complete in 2-3 business days. My transfer has yet to show up in my checking account, even as a pending transaction ( as of XX/XX/20 ). I have attempted to contact XXXX XXXXMoney Network to check the status of my transfer and to see if their were any issues that I needed to correct on my end through their customer service line ( XXXX ). This line is the only means of contacting XXXX XXXX/Money Network that is available on their website and the EIP card website. Even though I have called the customer service line several times, I have yet to talk to an actual customer representative and have found XXXX XXXXMoney Network 's customer service system to be completely automated. I have not found a way to address my issue through their automated system.

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