BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-23
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, XXXX I made ACH money transfer from XXXX to my checking bank account, and payout was estimated to take place on XXXX XXXX, XXXX. Although Transfer status in XXXX showing ( Complete ), I have not received anything yet!. I tired to contacted customer support multiple times through ticket opening but have not received any response!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received my consumer report from XXXX XXXX XXXX. I let all three credit bureaus aware of the transaction not being mine and the bank accounts. However, this is prohibiting me form opening bank accounts and it was not my fault. I lost my drivers li9cne and passport last year and I think it is catching up to me now and it is not my fault. someone has my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The BBVA Compass bill pay service failed to deliver a payment by a scheduled date of XX/XX/XXXX resulting in late fees with my apartment complex. OnXX/XX/XXXX, I submitted a scheduled payment into the BBVA Compass bill pay system for delivery by XX/XX/XXXX, before the daily cutoff time for processing on the next business day. For some unknown reason the BBVA bill pay system did not process the payment on the next available business day, which was XX/XX/XXXX. The payment instead processed on XX/XX/XXXX, and due to this delay in processing the payment was not delivered by the scheduled date of XX/XX/XXXX. The payment was finally delivered on XX/XX/XXXX, which resulted in a {$35.00} late fee being assessed to my account, ( {$25.00} for XX/XX/XXXX and {$10.00} for XX/XX/XXXX ). 

I then contacted BBVA Compass Digital Services support to let them know about the missed due date and to request a refund of the late fee. I was asked to provide XXXX XXXX, a manager with the company, documentation from my apartment manager detailing the issue. In the document my apartment manager clearly described the late fee, why I was charged the late fee, what my rent due date is and the grace period for the balance to be paid by. Rent due date is the XXXX of each month with a 3-day grace period, and late fees begin accruing on the XXXX. 

However, after reviewing the information, XXXX XXXX stated the BBVA Compass bill pay delivery guarantee is based on the actual due date of the bill and does not take grace periods into consideration. I find this statement misleading and confusing. First, how would BBVA Compass know what the actual bill due date is without the customer first telling them what it is? Second, there is nothing in the BBVA Compass bill pay system that lets you specify the actual due date for a bill payment as you can only set a scheduled due date for delivery. Anyway, she went on to state I was at fault because the payment was scheduled too late for it to arrive on time, and BBVA Compass will not refund the {$35.00} late fee to my account. 

My position in this matter is that the BBVA Compass bill pay system failed to process my payment in a timely manner and failed to deliver my rent payment by the scheduled date of XX/XX/XXXX, regardless of the XX/XX/XXXX due date set by my apartment complex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. Equifax and XXXX has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I started a process of debt consolidation with XXXX XXXX or XXXX 2019. They told me they would run a soft pull on my account since it was not a loan per se, they were just negotiating with my creditors to lower my principal. When I checked my credit report on Transunion on XXXX/XXXX/19 I discovered they had done a hard pull. Transunion said XXXX would have to dispute it to have the hard pull removed so contact them. XXXX said Transunion would have to send them a dispute in order for them to start the process of asking for the hard pull removal. Transunion said no, XXXX must dispute the hard pull and if they refuse my only recourse was to contact the proper authorities ( specifically the police ). XXXX said although it was supposed to be a soft pull, and the hard pull was indeed a mistake, they could not help me until Transunion disputed it with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously filed an identity theft compliant with the FTC. In that report the collection company LVNV was  listed as a company that was reporting on my credit files fraudulently. 
I subsequently sent to the CRA 's the FTC filing including this company. I requested, as I'm afforded by law ; that because of this filing that several items be removed/blocked from my credit file. Somehow LVNV is still resporting and has allegedly been 'verified '. This can not be true or at all possible. LVNV have since sent me statements and bills from the original creditor, which in no way is valid proof that the debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Xoom has been nothing but an aggravation and will probably not only not use it again but lodge a complaint with the proper authorities. 

Seems I am a XXXX  for believing Xoom would be quick and easy. Several promises were made in the promotion : Next business day ( your money will typically arrive next business day to any bank in the United States ) Only bank name and account # needed ( Step 3 : Choose any bank in the US. Step 4 : Enter your recipient 's account on our secure page. Step 5 : Conveniently pay ) 'verification department ' was 'starting to process ' for a couple of days and never responded to inquiries. 
Status messages never received - i had to call them and endure a typical 'customer care ' experience. 

Seemed to be what I needed : quick transfer of some {$3800.00} so i submitted a request on a Friday evening, XX/XX/XXXX. Completion was promised Monday night, XX/XX/XXXX. Repeated checks of status only had 'verification process started. ' Even after the due date. Finally today ( almost 4 days later ) i called and they said they needed 'more information. ' They never asked or sent a status on that. The info they 'needed ' were some irrelevant issues, e.g., why? For an amount under $ XXXX it seems they must have been treating us as drug dealers. Now they have sent it onto another department and said it will be an additional business day! 

Multiple messages sent to their customer service, including to the 'verification department. ' No relevant response received. 

Poor service, not as advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America is claiming that I owe them {$740.00} due to a " duplicate deposit. '' On XX/XX/2019 I made a mobile deposit that cleared my account. Over a week ago I was in the process of making another deposit and noticed my account was overdrawn. I tried contacting Bank of America by calling the 800 number and was told I needed to visit the branch because they were not able to provide me with an explanation other than a duplicate deposit was made. I was finally able to obtain a local number and called them and they insisted I needed to come in. I took time off of work and met with a representative which is stating that the same check was deposited on XX/XX/XXXX and that XXXX XXXX Bank ( issuer ) have retrieved this amount from BOA because this check had already been paid. My employer contacted XXXX XXXX and was told that this check was only claimed on XX/XX/XXXX and they do not have any record of the check being cashed twice. I relayed this information to BOA and they continue to fail to provide me proof that this check was credited twice to my account and thus justify this debit or chargeback on the XXXX. I did not receive this money twice, it does not appear as a credit or deposit twice and actually was just notified a few days ago of the issue in writing by BOA after I expressed the concern ( by the way the letter from BOA is not even dated ) Now, I have automatic debits going into my account for which I am incurring overdrafts charges for because I refuse to deposit my payroll in this account. BOA continue to take my money without an explanation and/or correction of this error. My account was not credited twice for this amount nor does XXXX XXXX show that this check was " cashed '' twice. I have made multiple attempts and I have taken time off of work to address this with BOA to no avail. I respectfully request your assistance with 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 monetary relief
Consumer complaint received 2020-10-11
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Around XX/XX/20, my car was stolen, wrecked and impounded. I filed a police report and notified XXXX. On XX/XX/20, XXXX inspected the car. On XX/XX/20, XXXX tried to pick up the car from impound, but it was gone. It had been repossessed by XXXX/Bridgecrest. There has never been a late payment and all payments are up to date. Over the next several days, I made numerous calls to XXXX trying to get the car back. They repeatedly gave me inaccurate and misleading information. The notice of disposition they provided had one amount and set of instructions while they provided a different amount and instructions verbally. They refused to provide accurate written amounts/instructions even though the notice of disposition said I have  a right to a written explanation. On XX/XX/20, I was forced to pay the entire balance of the loan plus repossession fees, so the car wouldn't be sold at auction. They would not give me a receipt for the repossession fees. Also, they are reporting the repossession on my credit report even though it is not a financial issue. I have NEVER missed a payment, all payments are up to date, and the loan is now PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2017 I contacted XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( # XXXX ) after finding out that my name was listed under a collection action with a credit card balance of {$XXXX}. The original creditor was XXXX XXXX. First, no one from the recovery company contacted me personally, verbally or in writing to discuss this or even request payment. No court action was filed and in fact no proof has been provided to the credit networks to justify this collection action submitted to the credit networks naming me, XXXX XXXX XXXX. I was a co-signer on this account but was never told the account was in arrears or that a collection action was about to take place. If they can name me for being responsible, and so list my name under a collection action on my credit report, why could they not notify me in writing to have a chance to resolve this before they took it to collections?

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 2022-08-11
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I connected with a person on XXXX and agreed on paying for seats for 3 round-trips on a bus for a 3-day event in XXXX XXXX. I paid half as a deposit and then the remaining half on the first day of the event. Despite paying for SEATS, the bus overbooked and my wife had to sit on someone's lap for the long trip both on the trip there and on the trip back. Others had to lay on the floor and on eachother. It was super dangerous in the case of a crash not to mention very uncomfortable. My wife asked for a refund and used XXXX 's services instead on day 2 and 3. The bus service refused to refund, claiming a no-refund policy which was never mentioned in any of their material on XXXX. It was mentioned in their website but my wife found them on XXXX, talked to them on XXXX, received the invoice and paid it before we even learned of their website. At no point did we agree to those terms. 

I disputed the payment and Apple card decided in my favor for the deposit of {$270.00}, but not for the other half ( an additional {$270.00} ). I don't understand that. Either you agree that the service was not rendered, or you don't. How is it half in my favor and half against? 

Even more frustrating, this process has been ongoing for nearly 4 months now with essentially zero communication other than to tell me my dispute was not resolved in my favor. I went online only to find that they were even under investigation for this exact behavior. After trying to file a complaint with consumer finance, my complaint got closed with a message that says that my earlier complaints were processed. What earlier complaints? This was my first ever complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
on XX/XX/19 i had a XXXX credit score on my equifax credit report but all the sudden i go to pull my reports on XX/XX/19 on equifax i see some old fraudulent pops up on my report and drop my hard earn score down to a XXXX i been on the phone with equifax everyday just begging them and asking where are they is getting all this wrong info on thses accounts that are not mines its aginst the law to report old and fruad accounts on people accounts they even have my name wrong they have XXXX XXXX 1 thats not mines i sent in my copy of driver lic and ssn card they still give me the run around here are the accounts # # # 1 XXXX XXXX  COLSED it was off my account now back all the sudden # # 2 XXXX XXXX never ever heard of them but its on my credit report now CLOSED account # # # # 3 XXXX XXXX XXXX never heard of this account now it on my credit report i belive equifax is a total waist to try to dispute with them they give u the run around saying send all this personal info in and then once i do that they act like they never recive the docments its crazy i have a 1 year long fraud elart on my report i even have 50 hard inquires on my report and cfpb got that remove for me and thank u all for the hard work equifax is a bad company ripping people credit score down to where i will have poor credit the rest of my life i had a ggod score of XXXX but now its a XXXX because fruad accounts here is another one pop back up on my report # # # XXXX XXXX plz remove false fraud account equifax u all no better

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I separated from my spouse ( primary person on said loan ) in XX/XX/2017. My ex retained all monies from our business we owned together, therefore the judge had court ordered her to pay for both house payments and all vehicles we owned together. This document was put into force in XXXX and did not end until XXXX XXXX. At which time I was out in control of paying the loan off. Line item # 25 of the new document specifies exactly which vehicle I was out in control of paying for. My ex ( primary on acct ) didnt pay the last two months of the loan and when I had the vehicle, I sold it. The reports on late payments should be only on the primary person since it was court ordered that it was not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, while still completing my XXXX at The University of XXXX I applied to consolidate my student loans through the student loan office. 

I was very clear that I was in Education and hoped to eventually qualify for the Public Service Loan Forgiveness Program ( PLSF ) and was told that the consolidation was the only way I could do this. They told me that everything was setup and that I should be fine to do this, to make sure I made my payment on time and never missed for ten years. 

I completed my degree in XX/XX/XXXX and found a position at the XXXX XXXX XXXX in XX/XX/XXXX and began working full time. 

At some point, I received a notification that Navient had purchased my loan and I did not receive any information from them that my loan would not be able to be forgiven ( FFEL Loan ). 

I completed a the PLSF Employment Certification Program with my HR department at the University and submitted it to Navient on XX/XX/XXXX. 

I was informed that my loan was not a Direct Loan and not eligible for the PLSF. 

I am poised to apply for an income based repayment plan, but am reluctant to do so if this muddies the waters. 

Can you help me? I think that something changed and I do n't know where to begin to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I have reached out to XXXX several times in the past few years to update my credit profile for 2 late payments across multiple balances. These late payments were reported inaccurately and they are refusing to update to current. It has adversely affected my credit and what they are doing is absolutely fraudulent. I have no other means of getting this resolved other than going through with this complaint to report them for bad practices. Ive sent letters and emails to their Executive Director, but nothing. It is criminal and a horrible practice with the things they are doing regarding student loans just to make people lives miserable because they wanted to get an education to better their lives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
We were sent a XXXX XXXX by Cash App under my husband 's name and address. My husband has never used the Cash App and never requested any such credit or debit card. We suspect fraud by either the company or someone else who is using my husband 's identity. Cash App is only available via email for customer service and has continued to miss the point of our concerns. They have not addressed the issue of apparent fraud or explained what happened here for our peace of mind and understanding. Additionally, it is not possible to reach the XXXXXXXX XXXX  XXXX XXXX listed on the card. Is is very alarming to receive a card with your name on it that you had nothing to do with and we are getting very little help or reassurance from Cash App and Square, Inc. in regard to this matter. The company seems to have very poor safety and security measures in place and does very little to assist customers.

Company response to consumer: Closed with explanation