BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 a debt validation letter was sent to " TRANSWORLD SYSTEMS '' via " CERTIFIED MAIL ''. 
On XX/XX/2021 " TRANSWORLD SYSTEMS '' updated my credit file with all 3 credit bureaus with an account they have not verified causing damage to my credit score and file. 
As of XX/XX/2021 I have not received any correspondence from " TRANSWORLD SYSTEMS '' in regards to verify said account. 

In pursuant to 15 USC 1692g 809 ( a ) and ( b ) " TRANSWORLD SYSTEMS '' is in violation of the Fair Debt Collection Act. 

Violation # 2 if the original creditor " XXXX XXXX XXXX '' sold alleged debt to " TRANSWORLD SYSTEMS '', " XXXXXXXX XXXX XXXX '' CAN NOT continue to report on my credit file/s for the same alleged debt unless its a charge off which it is not listed as. 

Alleged amount owed {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I noticed a charge on my card for {$190.00} from XXXX XXXX California on XX/XX/2020. I called to start a fraud claim. I didn't cancel the card then because I wanted to transfer the funds to another account. XX/XX/XXXX, my bank was closed so I transferred the funds via the website. I did not want to transfer the funds that way but had no choice. The gentleman that answered the call canceled the card and transferred me to the fraud department ; who completed my request. After filing the claim another transaction from the same company hit my card this time for {$290.00}. When I called back the next day to report it I was told it was still processing and another charge for {$98.00} was also pending from the same company. I was encouraged me to still speak with the fraud department again. I held on for three hours only for the call to be released. I attempted again today and the call was released again.

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 2020-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying pay my uncle from a mobile app called XXXX, but mistakenly I wrote the wrong number and send it to somebody else. As soon I found out of my mistake, I called bank of America to tell them to cancel the transaction but they said it has to be processed first in order to cancel it. I waited 2 days and called back and filled the claim, and I also called the person and she said its not her fault there still XXXX people out there and that she needed the money anyways.

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 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue

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 2020-05-13
Company: Student Loan Finance Corporation
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for bankruptcy XX/XX/2016 and it was discharged XX/XX/2016. This company was notified in writing, email, faxes, and mail that this was the case and that they are not a non-profit institution nor a government agency which means that the loan is dischargeable in bankruptcy. They were instructed to contact my attorney in all communications. In XXXX of this year, I filed a complaint with the CFPB and they stated that they would contact my attorney. They have failed to contact my attorney at any point in time. They continue to claim that the loans are due and have posted negative items on my credit report since my bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: OK
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:
I have a fraudulently account reporting to my credit by XXXX XXXX XXXX. I have submitted the FTC paperwork and my CFPB complaint to all three credit reporting companies. The only company that did a proper investigation was XXXX. Which deleted this fraudulently account from my credit report. Equifax and XXXX XXXX didn't respond to my paperwork, nor did they do a proper validation. 

This account has fraudulent charges that were added to it and I have provided all of the proper documentation but the only company taking it seriously was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021, I registered for an account with Gemini and submitted all necessary documentation to have my account set up and verified. 

On XX/XX/2021, I purchased {$480.00} worth of XXXX ( XXXX ) through the Gemini app. 

Since this date, I have been unable to access these funds because Gemini has failed to verify my account despite multiple attempts to contact them regarding this matter. They have been evasive and unresponsive and I have no way to withdraw my funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a totally and permanently XXXX veteran ( 100 % service connected ). I applied for the student loan debt cancellation program in XX/XX/2017. However, in preparing my taxes for 2017, the debtors tax forms is showing the student loans as income and is crushing me with taxes that are far outside of my financial means. That is why I got the student loans in the beginning. This is a catch 22. I never received the money as income but aid for college. Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Linebarger Goggan Blair & Sampson, LLP contacted me via letter in an attempt to collect an alleged from XXXX that is not owed by me. I requested proof of the alleged violation from Linebarger Goggan Blair & Sampson, LLP, and they failed to provide proof of the alleged violation, but are continuing to attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I tried to charge my chase credit card at XXXX on XX/XX/XXXX for hotel stay but it got denied because Chase thought it was fraud. So, I paid the vendor in cash as per his request and was granted admittance into the hotel. 

Later on, I got a text from Chase that stated : " Chase XXXX We declined {$450.00} at XXXX XXXX XXXX XXXX for card ending XXXX on XX/XX/01. was it you? If YES text 1, NO text 2 '' I only responded to that initial text the next day or XXXX hours after I checked into the hotel. I responded 1 because I wanted to use my card while in XXXX. 

I then received the following text : " Chase Thanks. The Transaction was not completed. If you want to make the purchase with this card, have the merchant reprocess the transaction '' ( see attached screenshot ) I never had the merchant reprocess the transaction, I never gave the merchant my credit card after it was declined, I never authorized the merchant to charge my card again. Because the text said that the " transaction was not completed '' I didn't think I needed to call my credit card company while I was in XXXX nor worry about the transaction. 

When I arrive home and check my credit card account I see that I was charged on XX/XX/XXXX {$430.00} from XXXX XXXX XXXX XXXX. I immediately contact Chase and filed it as fraud on approximately on XX/XX/XXXX. 

Several weeks later I'm told that this is not a fraud case and it was transferred to the Chase dispute department. I never received a receipt for my cash payment nor did I think I needed to keep any documentation because I never reauthorized the merchant to charge my card. I lost the dispute with Chase. 

In addition, I am in XXXX XXXX and Im sure this happens to people all the time where their credit card is initially denied. I tried reaching out to the hotel via phone and email and they never responded back to me. 

This is not a case of a duplicate charge this is a fraudulent act by this hotel to get an additional {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have no knowledge & gave no authorization to an auto loan with Capital One auto finance. This account was opened thru Identity Theft, according to my credit report the account was opened in XXXX of 2015. It now shows up as a charge off on my credit report. I have reached out to the Capital One on several occasions. I also have Police Reports, stating that I have been a victim of identity theft fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: ThunderRoad Financial, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A refund check in the amount of {$410.00} was forwarded from the dealership was to the lender ( Thunderroad Financial LLC ) which they posted on XX/XX/20 as future payments. They then debited my checking account for the monthly scheduled amount of {$170.00} on XX/XX/20. The following month, I noticed my checking account was NOT debited on XX/XX/20 so I called them ( on XX/XX/20 ) to inquire as to why, which is when I learned that the refund check had been posted as future payments, rather than as a principal reduction. I asked if they could re-apply the amounts as a principal reduction. The representative XXXX, said she would have to ask their contract accounting department if they could do so. On XX/XX/20 XXXX called me back to inform that they could not reapply the transaction without causing my account to become delinquent. I asked if they could just re-apply the portion that is now posted as future payments made, and she said they could not. I advised this was not proper and it was causing me to accrue more interest over the term of the loan than I should be paying. 

I should also note that I only became aware of this because I reviewed my checking account online and noticed the automatic ACH draft was not made. Thunderroad Financial LLC does not provide any online account access to customers, nor does it include transaction information in the monthly statements it provides, which make it impossible to know the exact dates and amounts of transactions posted to the loan without making a telephone inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested for XXXX to release the two Deed of Trust recorded against my property. The record indicated that there are two recorded Deed of Trust on my property. I have contacted XXXX more than one month ago and approximately eight ( 8 ) other times since, but XXXX has refused to provide any information as to how or what I need to do to have XXXX release the two liens or Deed of Trust that was recorded on my property. I am in the process of refinancing my home to a conventional loan and my interest rate is locked in until XX/XX/2021. However, I can not complete the refinance process because XXXX will no provide me with any information about how to release the liens or release the two Deeds of Trust recorded against my property. XXXX has transferred me to multiple departments that have no information regarding the two Deeds of Trust. I have even provided them with the two recorded Deeds of Trust information. 
XXXX purchased the loan from XXXX XXXX XXXX and now own the rights of the loan. I looked up XXXX XXXX XXXX and was redirected to " XXXXXXXX XXXX XXXXXXXX '' website. I called XXXXXXXX XXXX XXXXXXXX, and then was redirected back to XXXX. Before I was redirected, XXXX XXXX XXXX told me that XXXX is now running XXXX XXXX XXXX . However, no one at XXXX can find the two two liens or deed of trust. XXXX keeps promising me that they will resolve it in 2 days, but nothing has been resolved.

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 2020-05-22
Company: EQUIFAX, INC.
State: NJ
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I Sent USD XXXX at XXXX XXXX from Coinbase Pro to Coinbase Account. Transaction ID : XXXX. The money was never transferred to coinbase account and is not in my coinbase pro account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: NV
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: ME
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:
Equifax is incompetent : It takes MONTHS for them to Correct and Report Information Correctly- Recently sent 17 pgs USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX with Supporting Documentation to Verify my Identity- have Equifax Update and Report Correctly my Personal and Employment Info and for Equifax to Report Correctly XXXX XXXX NEVER LATE ( Supporting Documentation provided to them Multiple Times, yet on their Confirm # XXXX they have as " Verified '' - that is patently FALSE ) XXXX  is Reporting as NO LATES ; yet Equifax has not updated. 
XXXX XXXX SECURED Credit Card was Paid Off- Equifax has the Balances and Payment Amounts Wrong- and this is MORE than 7 years, yet they continue to leave as Negative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: BANK OF AMERICA, NATIONAL 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: Card was charged for something you did not purchase with the card

Complaint:
I noticed today XX/XX/20 on my banking app that my balance was a few XXXX dollars short and I immediately had an unrecognized XXXX gas station charge for XXXX . I've never spent that much at a gas station in my life! And I drive a XXXX XXXX. The charge was a 40 minute drive from me. I called XXXX and they say my debit card was most likely skimmed and duplicated. I've been holding back tears all day. My life has been hard enough with this pandemic going on. I already contacted my bank, Bank of America but I want a fair and speedy investigation and accountability. I'm missing at least XXXX $ maybe more.

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 2020-11-16
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a debit card from USbank without requesting an account. I do not need this card ( ReliaCard ), as I dont qualify for any government assistance, nor did I give them permission to open an account on my behalf. They seem to have my personal information. No one will answer any of the numbers, but put you on hold for hours. The USbank reps say they cant help with ReliaCard. I want to close this account, but by not answering my call, they are refusing. The paperwork says they can begin sharing my personal information within 30 days. The only way I can stop them from sharing my information is by activating my card with a CONFIRMATION of my social security number and PIN. 

This is an unfair business practice! 

Please help me cancel this account.

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 2021-01-29
Company: Social Finance, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I originally started the refinance process with Sofi in XX/XX/2020. Since then they have repeatedly asked for my pay stubs, bank statements, and various other documents. I've given them absolutely everything. Over the last 3 weeks they have scheduled and canceled my closing numerous times! The reasoning has always been because they haven't gotten all of the paperwork from underwriting. Well today they emailed me to say they had to pull my credit report again because what they have expires on XX/XX/XXXX. My XXXX XXXX balance has gone up and I am doing monthly payments. They tell me that they need something from my federal student loans to say how much my payments will be. They already have this. And now they want more bank statements and proof I have the reserves to pay off my XXXX XXXX which is a balance of $ XXXX that I do not have. I make monthly payments. 

I'm concerned they never planned to give me this loan. I'm concerned their may be some discrimination occurring. Please assist.

Company response to consumer: Closed with explanation