BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/18 - I checked online to verify if my employment direct deposit posted. While reviewing the account, I noticed my account was closed on XX/XX/18 - CLOSEOUT TRANSACTION - DDA INT BEARING. Due to the unexpected account closure, my direct deposit was rejected and I will not receive my funds from my employer for another two weeks ... XX/XX/18. I called Wells Fargo on XX/XX/18 and no customer service rep could provide an answer as to why my account was closed. I never received an email or mail notification prior to closure. I later find out that my account was closed because there was no customer generated activity after 61 days. There was numerous transactions in the last 60 days but no ATM withdrawals. I was overseas on work assignment for 7 weeks so I guess this is how Wells Fargo treat its longstanding customers by removing them. My account needs to be reopened immediately. I received an email regarding the acct closure on XX/XX/18 ... only after I complained about not receiving any notification. Please help.

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 2019-04-09
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX I was traveling in the XXXX XXXX and purchased XXXX at the XXXX XXXX XXXX XXXX at approximately XXXX XXXX using my Chase Presidential Plus Card. The product I purchased turned out to be conterfiet. I contacted Chase Bank to get their advice at approximately XXXX XXXX.

I was advised by customer service to not return to the store as the items were counterfiet to avoid a conflict as I was alone. I followed the banks instructions, See Attached.

On XX/XX/XXXX I filed a written dispute as the bank had instructed me. They issued a credit. On XX/XX/XXXX I recieved a letter from the bank that the retailer responded say that the XXXX   where infact as advertised. I responded on XX/XX/XXXX in writing contacting Chase 's executive offices. On XX/XX/XXXX I recieved a phone call from Chase that said that they were denying my claim as there was no further recorse as the merchant did not provide any serial numbers on the reciept so I am stuck. I followed their instructions on handling and they are particpating in fraud along with the retailer. I am shocked that they use the retailors dishonesty as a way to not protect me as a a consumer. Beware of Chase Credit Card Services.

I have called Chase and let them know I was referring this to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have the Citi Simplicity card. Citi decreased my credit limit by a little more than {$1300.00} on XX/XX/XXXX. I called and explained that I have 3 cards with them, and that I have never missed a payment, nor have I ever been late on a payment to them for any of my cards. They said they could not help me. On XX/XX/XXXX, I was notified that they decreased my credit limit on my Citi Double Cash card by a little more than {$1500.00}. 

The reason my credit score has been decreased to XXXX by one reporting agency and XXXX by another reporting agency is because I had to use my cards for business equipment so my it shows that I have used approx 53 % of my credit. By reducing my credit limits, Citi has now made my credit worse because I now show that I am at 56 % use of my credit. 

I have done nothing wrong. I have made all of my payments. I am being penalized for no reason.

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 2017-12-01
Company: Coinbase, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I signed on to my Coinbase Account to sell Bitcoin for USD. 
Transaction was to sell XXXX BTC for USD to be wire transferred to my Bank acct. 
At the time of the transaction Btc was around {$4000.00}. Coinbase acknowledged the request. The BTC was deducted from my wallet, but the USD never appeared in my bank. I contacted Customer Support, they assured me that my funds were safe. After weeks of radio silence they responded and acknowledged that there was an issue and said they would return my funds to me. The Customer support agent stated that this was high priority for him and would be resolved on the following business day. That was XX/XX/XXXX. 
I still have no resolution and feel that my complaints are going unanswered. I want my Bitcoin back into my account as if this never happened. XXXX Btc is worth around {$8000.00} right now. It has been 3 months that Coinbase has made my funds unassailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: EOS Holdings, Inc.
State: NJ
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 or around XX/XX/XXXX, I received a letter from a collections from a company called XXXX XXXX XXXX stating that this company is trying to collect on behalf of XXXX XXXX. When I called the company and asked for info regarding the bill, the collection company states that this was a bill for services rendered by XXXX XXXX in XX/XX/XXXX. I  recall having XXXX XXXX but I cancelled my service at the end of XX/XX/XXXX and should not have been charged for XX/XX/XXXX. I requested proof of services rendered from the collections company XXXX XXXX XXXX  XXXX. On or around XX/XX/XXXX, I received the XXXX XXXX bill that is attached as a part of this complaint. This is bill does not show any services rendered, it simply states that this bill is a bill that is based on a different prior bill. Additionally, it references equipment that I know was returned and was confirmed by XXXX as returned. The bill provided by the collection company did not provide proof of services rendered that I requested and is therefore an illegal collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: DISCOVER BANK
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:
Please I would like to re-submit a new complaint against Discover Credit Card.Please read the previous complaint # XXXX Their response didn't address my complaint at all about : " The phone call I made contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service, She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle ''. 

* The phone call I made on XX/XX/2018 it was to add additional information in regards the ongoing dispute as it was my undertanding, and the supervisor XXXX said was ok she never said to me why I didn't submItted originally when I initiated the dispute, or your dispute its closed as this representative XXXX XXXX stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had called Citibank to cancel the Payment Safeguard feature which was added onto my account without consent. I'm getting charged a lot of money each month to have this feature that I do not need. There was a refund nationwide/worldwide for {$700.00} XXXX that I received no part of. I'm very disappointed that I've been paying for this feature for over 8 years now without any consent of mine whatsoever. I feel like I should be compensated for this malpractice.

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 2020-05-05
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/20 I was notified by my credit card company ( Barclaycard Visa with XXXX rewards ) that fraudulent charges may have been made on my account. I confirmed that the cards in question under my name and my deceased husbands name were stolen when someone broke into my home that day. The company said they would cancel all the charges and close the account. They cancelled all the charges but left one charge ( XXXX # XXXX for {$440.00} ) that was on my deceased husbands card and moved it over to the new account. I informed them of the error. They opened a claim ( # XXXX ) with the fraud department and I received a letter in XXXX informing me that it was fraud and I was not responsible for it. However the charge had not been removed and I continue to be charged late fees and interest. I called several times again and was able to get one late fee removed however the charge was still in my account. I called again and they said they had to reopen the case with the fraud department and I received a letter in XXXX informing me that it was fraud and I was not responsible for it, again! And still the charge from XXXX remains on 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 monetary relief
Consumer complaint received 2018-12-08
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:
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2018-12-08
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At issue is this CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 

Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$510.00} Date Updated : XX/XX/XXXX Original Amount : {$410.00} Original Creditor : XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< I have never been a patient or a responsible party of a patient of XXXX XXXX. I have called this company several times and nothing was accomplished. I have called the collection agency and nothing was accomplished. I challenged this collection and they verified as accurate an account and collection in which I have no responsibility for as I have never been a patient. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CREDITOR COLL SVC # : XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
You request from case # XXXX STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2019, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that you have requested an investigation multiple times but have been delayed by Experian. You would like the items removed from your credit report. In order to better assist you and to research this matter fully, we will need you to provide Experian with proof of your Social Security number, such as a copy of the Social Security card or a document from the Social Security Administration that displays your name along with the Social Security number. Please also include your specific disputes or request for a credit report when you provide this information. Please note if you have additional information that your disputing to please submit your exact disputes along with the specific reasons you believe the information is inaccurate. You may send this information to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. 

See enclosed SSN card and DL ...

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 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit bureaus refuses to send me the requested documentations they are using to verify accounts with questioned accounts. according to fcra 611 ( a ) the credit bureaus were required to forward me all the relevant information provided from the creditor for their investigation of my dispute.

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 2020-12-14
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I have over 5 different accounts that I transferred with NFCU.Navy Federal credit union continues to leave a balance on all of them. I have contacted them repeatedly. In XXXX of 2019 my credit score was XXXX because of the balances on these closed cards my credit score is now XXXX. There is also a loan that was paid and still showing open. All these need to be at a XX/XX/XXXXbalance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX ( XXXX, Il. XXXXis listed as a previous address for me on all of the 3 Credit reporting agencies. I have never lived there. I tried to lists the dispute with each and I have been unsuccessful after several attempts

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 2018-03-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I AM XXXX AND XXXX XXXX XXXX AND XXXX XXXX A THING. 

THEY ARE UPSET AT ME FOR PUTTING IN DISPUTES. THEY ACCUSED ME OF LYING WIHICH IS A TOTAL LIE. THEIR FOLKS PUT ALL IN AND MADE SO MANY MISTAKES. I ACTUALLY WAS THE ONE WHO CALLED ON ALL OF THEIR ERRORS. 

I DO NOT LIKE TO BE ACCUSED OF THINGS I HAVE NOT DONE. 

THE KIDS MADE SO MANY ERRORS AT CITI CARD AND FOR ME OT BE BLAMED IS SICK. IT IS ALSO ABUSE AND LIES. 

XXXX XXXX FOLK CAN XXXX XXXX AND THEY TRUST THOSE TO DO THINGS RIGHT. I WAS WALKED ON. 

I TRIED TO TALK THIS OUT, BUT SINCE I AM XXXX XXXX XXXX AND NO ONE LIKES XXXX FOLKS, I AM TOLD AS ALWAYS, LEAVE US ALONE AND PUT IT ALL IN WRITING. 

TODAY I GOT A CALL AND DO NOT KNOW WHY. 

THEY REFUSE TO PUT MY CREDITS THROUGH. 

I HAVE ALOT OF MILEAGE AND THEY DID THIS ON PURPOSE. 

CITI IS BLAMING ME FOR PUTTING IN DISPUTES. TRUST ME, IT IS MY XXXX AND THEIR WAY OUT OF PROVIDING THE NEEDED TOOLS TO THE XXXX  AND XXXX  XXXX XXXX SO THEY DO WHAT THEY DO TO HURT AND TO LIE TO GET RID OF THEM. LOOK AT THE PATTERN. 

DISCRIMINATION AGAINST A XXXX  AND XXXX PERSON SHOULD BE AGAINST THE LAW. I PUT MY TRUST IN THEM TO DO WHAT IS RIGHT AND THEN I GET ACCUSED OF STUFF I NEVER DID. 

I HAD MY HAIR RUINED AND PUT IN A DISPUTE AND ALSO AT XXXX IT WAS A MESS. CITICARD IS THE ONE WHO MADE SO MANY ERRORS AND NOT ME. I HAD TO CALL DUE TO THEM MAKING THE ERRORS. THE DID MAKE MORE THAN ONE ERROR AND TO BLAME ME, WHEN IT IS THEM IS SICK.

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 2019-04-09
Company: EQUIFAX, INC.
State: OH
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:
Equifax apparently supplies security questions to Social Security. The questions they have supplied do not pertain to me ( e.g. questions about mortgages, charge cards, addresses, former names, none of which are mine ). As a result, I can not access the SS site to set up an account to receive benefits. XXXX and XXXX both have proper information for me, with a correct listing of my loan and charge history - and I have a credit score of over 800. Equifax will not respond to my dispute request about this - it's website continues to say " This service is not in service '' and provides no means of talking with a representative. This has delayed my ability to apply for benefits for almost two weeks now. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Experian Information Solutions Inc.
State: GA
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 have reached out to experian to remove a collection from my account on multiple occasions. They are still reporting inaccurate information. I have provided a XXXX  number and I have also provided court records, they still refuse the remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Per FCRA experian must : modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) I have  provided court documentation twice, along with XXXX case number, but Experian still report this on my credit and they are in direct violation of FCRA.

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 2019-08-08
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XOOM money transfer Transaction XXXX was initiated buy me on XX/XX/2019 XXXX XXXX to send to money to my brother-in-law in XXXX for US {$1500.00}, they deducted money from my bank they are neither refunding my money nor they are sending money to my brother-in-law. I called them every day for more than 25 calls, send the proof of my brother-in-laws bank transaction. They say they are going to refund my money and send a email confirmation and they are never doing it from past 3 weeks. 

Please take action as soon as possible, This XOOM company is fraud, Please cancel there license and do justice to me and all customers who are going through this Fraud company.

Company response to consumer: Closed with monetary relief