BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Letter of Complaint Against Western Union Agents in XXXX  There is an ongoing practice by Western Union Agents in XXXX that is bad business practice. XXXX Western Union Agents convert 25 % of Recipients funds into a XXXX  Currency that is widely unaccepted by merchants, businesses and individuals in the Country. This means that Recipients are losing 25 % of their funds, because the converted currency is not widely accepted. While Western Union Receipt clearly indicates that for all transfers, receiver may receive less due to foreign tax, in the case of XXXX, it is not a foreign tax. Is Western Union aware of the forced conversion of 25 % of transfers to XXXX   Currency by Western Union Agents in XXXX  that is not widely accepted as legal tender in XXXX? Why isnt the 25 % conversion indicated on Western Unions Receipt?

I would appreciate that in the name of good business practice, XXXX  Western Union Agents either declare that it is a tax, and that converted transfers enjoy the same rights as a legal tender in all of Liberia, before forced conversion of transfers continues. As it stands, Senders and Recipients are being short-changed. That is, the converted funds can not be used, or will be devalued by over 25 % to be accepted by businesses. Can Western Union do something about this scheme by Western Union Agents and XXXX  Government? Lots of XXXX   on social media are fed up with this arrangement by Western Union and other money transfer Agents in XXXX.

Thanks for your prompt response.

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I XXXX XXXX entered a consumer credit transaction with Capital One Bank on XX/XX/2019, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX My credit was pulled by Santander Consumer USA without my authorization. I've never given anybody the authority to send my information to Santander. On XX/XX/XXXX I contacted XXXX regarding this issue, and i was told i needed to have Santander send them a letter addressing the issue. When i contacted Santander ( XX/XX/XXXX ) I was informed that because I am not a member of theirs, they will not send the letter to XXXX. When I asked why my credit was pulled THREE times in the first place, the representative said she didn't know which was highly concerning. I am now stuck between a rock and a hard place as Santander is refusing to send a letter of deletion to XXXX, or ANY credit bureaus these fraudulent inquires have been sent to. XXXX told me to contact consumer finance regarding this issue, so here I am. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: American Credit Acceptance, LLC
State: SC
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 filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 (  b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2200.00} -This is not my 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 explanation
Consumer complaint received 2018-03-30
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:
This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
On XXXX of XXXX, I opened a credit card account with XXXX  XXXX. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. Portfolio Recovery Associates removed the account from my credit report. I noticed the account continues to be reported on all three agencies by XXXX XXXX. The account status as sold to XXXX and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with XXXX XXXX they stated they are not reporting on their end. I spoke with XXXX and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: CITIBANK, N.A.
State: NY
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:
On XXXX of XXXX, I opened a credit card account with XXXX XXXX. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. XXXX XXXX XXXX removed the account from my credit report. I noticed the account continues to be reported on all three agencies by XXXX XXXX. The account status as sold to CITI and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with XXXX XXXX they stated they are not reporting on their end. I spoke with CITI and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. 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 2018-03-27
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal took out money from my account without any notice. Here is the story. I sold my tennis racquet on XX/XX/2017 with the restriction of no return. However, the buyer requested for the return to XXXX and XXXX  gave a favor to the buy without any investigation of the case. I made a complaint to the XXXX and we finally agreed that I accepted the refund and gave a money back on XX/XX/XXXX. At that time, I had {$0.00} balance on my PayPal account, so I transferred the money from my bank account and refunded the money. 3 months after, PayPal, all of sudden, took the same money amount out of from my PayPal account. The invoice was not issued to me. No notice!!! I called the customer service, but they can not find the root cause of the issue. I had to spend hours to explain the situation such as providing transaction ids. But, they has not given my money back yet, and nI believe they are not able to find the root cause. This company is making unauthorized transaction without any consent from their customers! If the company can not track the financial transaction, the company needs to be closely reviewed their financial transaction platform to make sure so that they have a capable of providing a such service to the customer. My issue has not been resolved yet, and I hope CFPB to initiate the investigation so PayPal can address the issue better going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This issues has been ongoing over the past years. XXXX being a New Year I've decided to reduce my banking activity with Citibank. 

See letter dated XX/XX/XXXX from XXXX XXXX and my response that I will attach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I attempted to deposit XXXX XXXX dollars into my Coinbase account. Then transaction went through and the money was removed from my bank account. After The money was added to my Coinbase account my account was then locked. I could not trade and I could not get the money out. Coinbase told me that my transaction failed and they used the money that was in my account to pay back the XXXX XXXX dollars they are claiming I never lost. So now the money is not in my bank account and They have absorbed it on their website. All my money is gone my account is still frozen and they wont do anything about it. Ive called them at least 10 times and sent email after email. All they keep saying is my account is locked. Well now there is no money In there and the money was never returned to my bank account. Ive done research online and it appears this has been an ongoing problem with this company. They are hundreds of people taking legal action to get their money back. I want my funds returned immediately. I have a XXXX  year old son I need to take care of and XXXX XXXX dollars is a lot of money to me. You can contact me via email at XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had contacted both companies several times since I became aware of this and was told it would be resolved. I sent in a police report that stated the card was stolen with my vehicle and several other cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this collection agency on several occasions since they received the debt. I contacted ther creditor before it went to collections. I don't owe this debt my car was stolen and I had several cards in the vehicle that were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/2020 - My online credit report ( s ) have been reported as delinquent with the various credit bureaus. I spoke over the phone with a BMO harris rep who says I have $ 260+ in delinquent fees, of which I was not aware of. 

XX/XX/2020 - Called BMO harris and verified that I only had {$1.00} left as principal via the person I spoke to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am writing to file a formal complaint on noted company due to the fact I have been making payments religiously on my Capitol One account .. I had payment arrangments via XXXX XXXX XXXX XXXX XXXX company. My payments were sent on time each month. I contacted XXXX XXXX XXXX today and they stated my final payment was sent on XX/XX/XXXX which means this account has been paid in full. Capitol One immediately turned around and reported to the Credit bureaus that I had the following late history. -- Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX I contacted Capitol One today to try and resolve the matter. They stated I needed to go through the dispute process. I currently have a dispute on this company regarding reporting ; so could not readily file another dispute unless bia mail. 

I am currently in the process of appyling for a mortage and was working diligently on repairing my credit. This recent report in the middle of my credit filing caused my current credit score to drop 114 points causing me to possibly lose approval for housing. They are incorrect in this filing in so much I was never late like this and it is not fair for them to file this status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Bread Financial 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Comenity Bank is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three comenity accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends Victorias Secret account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a personal check from my father into checking account with Chase Bank through an ATM on XX/XX/2020. The check was for {$800.00}, and I completely expected a hold to be placed on the check for a few business days except for the first {$200.00} which should have been made available to me the next business day. At the time I deposited the {$800.00} check, I had XXXX already in my Chase account from my paycheck. Chase put a restriction on the {$170.00} and on my debit card. When I called Chase about my debit card being restricted, they transferred me to their loss prevention department. Loss Prevention first stated that they needed to speak with my father about the check, then later in the day Chase loss prevention stated they needed to speak to my nephew who is the other person on the account with my Dad. My Dad banks with XXXX, and XXXX confirmed that the check was good and it was paid. I communicated this information to Chase, and Chase had told me that they will not release any of my money until my nephew calls them. My nephew does not bank with Chase, and my family is concerned as to how Chase got my nephew 's phone number. I have missed work, I do not have gas money to get to work because Chase won't give let me have access to the funds already in my account prior to the {$800.00} hold. There are no other individuals that work for my Dad that have to have my nephew call their bank when they deposit check 's from my Dad. My father has given me money from his account for over 40 years, and no other bank that I have used in the past to deposit checks from my Dad has ever had to receive a phone call from my nephew. My original deposit slip stated that their will be a hold on the {$800.00} until XX/XX/20. The deposit slip did not state that Chase was going to restrict my debit card or my existing funds from my paycheck. Chase has told me that the only way they will release the hold on my account is for my nephew to call them. Chase will not tell me what they have done with the {$800.00} that XXXX has paid to them for the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: ALLY FINANCIAL INC.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This has been over a year and the company will not contact me, when I call they hang up on me and will not provide any information I ask. I was told that the company is practicing unfair collections and phone calls, by my lawyer. The company took down my online profile so I was unable to pay my loan. I had to wait 6 months for my lawyer to get a response from the company 's account manger for my account information. In that time they reported my account as delinquent and turned it over to connections. I had nothing in writing and they would not provide what collections company I was suppose to pay. I am at a loss as to what I need to do now. I have made payments in the past three months totaling over {$1000.00} and nothing show on my credit.

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 2017-12-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had an account with CoinBase for about 1 month. Where I brought about XXXX dollars with of Bitcoin and LiteCoin from CoinBase. When I was exploring the app, last week, I came across a feature that said verify identity, when I clicked on it and tested it, I got locked out of the account and my account was closed. 

They soon sent me an email saying my account was closed and that I had to move my founds off CoinBase, I was able to talk to a friend and move my money out. 

I have since missed several opportunities to buy more bitcoin and litecoin and this has caused me much stress. 

I have attempted to call their phone number several times to no avail. 
I have written to them on XXXX, XXXX and on their support website to no avail, not even someone letting me know that they are fixing the issue. 

This is not acceptable, especially from a financial institution where people are dealing with money and in this case large amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX  is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX 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 2020-02-06
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX  is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I didn't know that there was a report on something I never signed or aware of. I recently downloaded XXXX XXXX for help with my report in general but got better answers in someone stealing your identity in alerts. I had no idea of this until now, because my credit should of been good.

Company response to consumer: Closed with non-monetary relief