BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im looking for an apartment currently. Credit is a big deal with this. TransUnion has my credit score almost 40 points below the other two credit bureaus of XXXX and XXXX  and they are always the worst about accurately reporting and updating information without constantly calling Them and having Transunion help me and then telling people the same story and giving evidence and info over and over only to have the transunion service people reply without even hearing or understanding and have such non -English speaking customer service people answering phones they are reading out of book from overseas and have not helped me repeatedly fix their mistakes that negatively impact my life. What about a class action against this company for harm they cause reporting wrong things? This should be illegal. It wasnt my fault that there are so many mistakes on my transunion records and when they check with Snail slow speed no matter how many disputes they say they check and update none have been corrected but XXXX  fixes it and XXXX  too. Transunion has old student loans from grad school Shown on my report still like I didnt pay them today and I have not touched them in fifteen years and the the info they have about anther debt isnt even me but a relative in the hospital and its not me. I provided to transunion who my relative was and the info and They had the paperwork, they still have not corrected it although i think it got sent weeks ago. XXXX  and XXXX  fixes the problems but not Transunion. For me, for two more weeks they still haven'tj corrected errors. Why do consumers have to put up with transunion and why does any one out there go ahead and just ban them or find out why they are so less accurate then the other credit bureaus? how to stop transunion hurting peoples chances for a better life and less expensive decisions They need to be shut down. Shut down Transunion

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 2020-01-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Just recently through the complaint process with the CFPB, XXXX XXXX XXXX again pass off the responsibility of answer a question directly related to them as an alleged Trustee of my mortgage and owner of the NOTE. 

SPS the alleged servicer says that XXXX XXXX XXXX is the Account Holder of my mortgage. I disagree. I wanted XXXX XXXX to tell me that the mortgage was not paid off with Federal Relief Funds, or included in a law suit settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX we purchase furniture that we returned and the merchant put the money back into our card. Wells Fargo advised us to wait two business days. I did then we called after two business days and the CSR for Wells Fargo stated they see the refund on the back in it still processing to wait another 3 days so I Did after the third day I called the banker stated that for one reason the refund isnt going into my bank account. They were having a tech issue and that he will make the funds available and contacted supervisor. Same was told due to a tech issue the money is stuck and wont transfer to my acct. they made funds available due to me having to wait and their tech issue. Then on XX/XX/XXXX they reverse it. When I called the bankers gave the the runaround for 4 hours and then when I spoke to the claim manager they stated that the atm debit department closed 30 mins ago and she wont do anything my account it negative and I still havent got paid convinietly the dept is close on the weekends

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 2017-12-08
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Relative was served by sheriff today that I was being sued by XXXX XXXX for a debt that was sold by Citibank to this agency. ( File XXXX ) I no longer reside at XXXX XXXX XXXX XXXX, property sold to relative XXXX. We reside in XXXX XXXX Florida. Documents were served to relative ; were not sealed and read by relative ; clearly violating confidentiality laws and my rights. In further checking they also contacted and shared personal info with my son XXXX. This caused embarrassment to my family, neighbors and children were present, when served. XXXX had no right to serve improperly or to share my financial info. 

I attempted to negotiate with Citibank a 5 year payment plan after a rental property was badly damaged by Hurricane Sandy. They passed debt to an Illinois agency prior to selling/factoring this receivable to XXXX XXXX. I was never called or notified that XXXXwas filing suit. Never heard of these people.

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 2019-11-19
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Square cash ( cash app ) ubruptly closed my account two months ago.I have XXXX dollars in that app that they will not let me cash out. I have emailed them 8 times with absolutely no response whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi there, I got the upgrade offer for my American Express credit card in XX/XX/XXXX, it was spending {$2000.00} then I will get {$250.00} statement credit. I applied the upgrade and met the spending requirement on XX/XX/XXXX. I contacted AMEX many times about this {$250.00} credit wasn't added to my account, they just said I need to wait more time. Today they said their marketing team refused to issues this {$250.00} credit to me because I have done this offer in XXXX. But the offer 's term didn't mention it, and the offer was showing in my online account before I clicked the upgrade my card bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Remitly, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX, {$1000.00}. I initiated a {$1000.00} transfer through remitly, which was promised to be delivered to my XXXX bank account on XXXX of XXXX XXXX. I received numerous emails asking for SSN, passport copy and Driver 's license and even after providing that and following up with them more than 3 times through their customer service, the money was not transferred at all. Finally I had to cancel the transaction. Dealing with them has caused me frustration, time loss and opportunity loss, since I had to make this money available to my friend who was in need. On the other hand, the customer service representatives or the company 's system/people who approves the transaction was not even apologetic for their action/delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Loan with 18 % APR for 72 months. Felt taken advantage of because of credit circumstances. According to loan agreement I was suppose to be given a chance for arbitration however was never given a chance. Loan was only 37 days pass due before they repossessed it despite the fact that their policy is to repossessed after 60 days past due. Car was suppose to be sold on XXXX yet credit report still reflects total about of loan due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In 2013 my husband applied for a HELOC loan. According to my husband, it would be necessary for me to sign the papers for said loan. I was unsure why, as I am not on the mortgage and I am a homemaker with no monetary income.But, as I was told by the bank and my husband that it was just a " Florida Thing '' and strictly a formality. However, I am on the deed. The entire amount of the loan was deposited in to my husband 's account. I had no access to the HELOC account at all. I am divorcing my husband of 35 years. I have since discovered that the house, mortgage and HELOC are all in arrears, I am once again stuck with the burden of responsibility when I was not ever given any choice in this matter. I called PNC Bank many times and went to more than one branch to try to learn what I could do to bring any and all payments current. So, now my home is being sold and all the penalties that have incurred and the balance owed will be removed from the equity of my home. As well as the HELOC loan, which was not used wisely to say the very least. I just find it very strange and unfair that I can't be given any information about the loans at hand and denied the right when I wanted to pay towards the balance ( s ). But, I will be incurring the responsibilities of the loans and all the penalties just the same. I had no voice so I guess a signature was good until I began asking the questions I am now asking. Just a women, right? I thought in this day and age that unfair treatment because of one 's sexuality and their place in the working world would not have the same stigma and classification it did so many years before. I am sad and ashamed to say that some things have not changed as much as we might believe they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Received a letter from Bank of America dated XX/XX/XXXX on XX/XX/XXXX. Case Number XXXX. Letter stated, to further assist you to resolve this matter, please call us at the number listed below and provide us your case number XXXX. Called Bank of America on XX/XX/XXXX at XXXX XXXX  and talked to XXXX. She kept asking me to hold and after holding for 5 minutes I hung up. Called again on XX/XX/XXXX at XXXX XXXX  and talked to XXXX in CA. Told her I don't receive text messages and did not know where my credit card was and did not know what she was talking about when she asked me for a line ID. Asked to talk to a supervisor. At XXXX XXXX XXXX told me a supervisor would call me back in 5 minutes and she promised me the supervisor would call me back by XXXX XXXX. Did not receive a call back from the supervisor. 
On XX/XX/XXXX at XXXX XXXX called XXXX in Texas. Again had a problem with text and did not have the 4 digit on the back of my card. Again I asked to talk to a supervisor. After being on hold for 15 minutes I was return back to the phone queue and talked to XXXX in Arkansas. Asked her if she was a supervisor and she answered NO. WHY did XXXX in Texas put me back in the phone queue and not transfer me to a supervisor. XXXX in Arkansas asked me some questions and got me verified. She looked at my case and asked how she could help me. I informed her I was following the directions in the letter and called Bank of America at XXXX. She had no clue what to tell me and she was wondering why Bank of America charged me {$.00}. I informed her they did not charge me {$.00} and that they removed {$.00} from my account. She than informed me that she could not access the information and she wanted to transfer me to another department. I informed her I had spent the last hour on the phone with Bank of America and was not spending any more of my time getting the run around. WHY DID YOU WANT ME TO CALL YOU?? WHAT DO YOU WANT??????

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 2020-07-24
Company: Experian Information Solutions Inc.
State: LA
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:
Contacted Experian ... Still waiting on paperwork from them to reply to police ... Customer who has this on my record refuses to speak to me directly refers me to collections company ... Collections company refer me to Experian to which Im spoken to them several different occasions concerning this fraud on my report ... I also made them aware that they where in violation of my consumer rights to which the ignored ...! THESE CREDIT REPORTING AGENCIES ARE SCAM ARTISTS SELLING ILLEGAL SERVICES ...! XXXX XXXX has consistently provided me with accurate credit data with XXXX XXXX and XXXX XXXX stating different from Experian ...! EXPERIAN IS A RIP OFF AND NEEDS TO BE FULLY INVESTIGATED

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 2019-03-16
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Suntrust froze my account on XX/XX/2019 said was due to close account because is under investigation for fraud dept. I received wire funds for sale from estate items. Which was about {$34000.00}. The bank said it was closing my account because of rules and regulations. I received a notice XX/XX/2019 of the account closed. When I called the bank to see if my funds are being sent to me they are telling me now there is a hold on this until XX/XX/2019. This has caused me so much grief is there anything I can do to get my money. At closing of the account there was still XXXX in my account. The person who wired the money even try and call bank and nothing. Please I need answers and my money back

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 2018-06-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
equfiax and XXXX taking way to long over 30 days to fix a ftc claim fca

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I discoverd on XXXX XXXX XXXX that my netspend card had been canceled, I tried to use it to make a purchase and the card did not workon XXXX XXXX I contacted NetSpend to find out why my card did not workthey informed me that it had been cancelled due to Tennessee banking XXXX that XXXX told me they would send me a check for $ XXXX I should receive it within 10 business daysafter 5 phone calls and being told several times that it would take 10 more days I still have not received my checkfinally on the 5th phone call they informed me I needed to send verification of my mailing addressI have sent them the required information and still have no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Credit Control Company, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Credit Control out of XXXX XXXX, VA XXXX was hired by XXXX XXXX a cable/internet/phone company to collect a debt on a closed account in the amount of XXXX.

I requested to pay the vendor ( XXXX  ) directly and on 2 occasions stated I could not. This is untrue as I paid a partial payment directly to XXXX  on XX/XX/XXXX in the amount of XXXX  leaving a balance of XXXX.

XXXX ( operator at Credit Control ) stated if I didn't pay the full amount ( they would not offer any payment arrangements ) by XX/XX/XXXX it would go up XXXX and be reported to the credit agencies. She is one of the operators to state that I could not pay XXXX directly ( not true, XXXX took my aforementioned payment and it reflected on Credit Controls end ).

After speaking to another operator, they stated if I made the payment " AFTER '' XX/XX/XXXX then only would I see the XXXX collection fee and then it would be reported if not paid byXX/XX/XXXX.

By XXXX telling me that I had until the XXXX only for both penalties ( XXXX collection fee AND credit reporting ), I put myself further in a financially difficult situation by paying the full amount to get them to not only stop harassing me ( calling me frequently ), but to avoid a ding on my credit which is getting repaired by on time payments and good relations with my credit card companies and creditors.

XXXX of Credit control used intimidation and threats of a credit report by misleading me with information that not only my collection amount would increase, my account and lack of payment would be reported on XX/XX/XXXX. The key to this is that this information was INCORRECT!

The fee increase would happen if I didn't pay on or by the XXXX and the report would happen if the full amount and any collection fees were not paid by XX/XX/XXXX. It's because of this misleading, threatening and intimidating consequences that I paid the bill to avoid the threats of penalties and reporting based on the FALSE Date of XX/XX/XXXX.

I complained to a supervisor ( XXXX  ) but her only concern was that I pay them and they would no longer contact me and not the tactics of XXXX using FALSE information in order to satisfy a debt by threatening credit reporting and an increase in fees if not paid by a date that was not in fact the actual deadline.

This should not be legal or tolerated. If they have rights to report and add fees, they should do so on the days legally allowed. Why are they lying to consumers with threats of reports and fees on false deadlines if they have eventually the right to do said penalties per the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
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:
XXXX XXXX  is erroneously reporting on all 3 of my credit reports and this account is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank foreclosed on the home in 2007 and sold the home to a different person. Now, all of a sudden, I received a bill. ( Please see attached. ) When I attempted to resolve it, the operator said I was obligated to pay it in full. I explained that I lost the house over a decade ago to foreclosure. 

This is predatory debt collection practice.

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 2019-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called today XX/XX/2019 asking for a credit for the {$39.00} late fee to be credited. XXXX of Delaware Call Center said she could not credit me. 

I told her it is not my fault that I made the payment on the due date but due to the Federal Reserve system it took a day or 2 to post to my account. 

Please talk to XXXX XXXX about these fraudulent charges and how they hurt his market share by not treating customers properly.

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