BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
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: Personal information incorrect

Complaint:
I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2019-05-06
Company: Experian Information Solutions Inc.
State: GA
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:
OnXX/XX/19 I submitted a dispute to Experian online for a method of verification for the Bankruptcy Chapter XXXX information that Experian is reporting on my credit report. On XX/XX/2019 well passed my 15 days allowed to provide method of verification, Experian sent me a response online and I quote " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing for your dispute. Please review your report for the details. '' Then in the Important Messages section it states that " If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through third party vendor XXXX XXXX XXXX XXXX XXXX '' Now this information can not be obtained from XXXX due to the fact an amendment was passed to prevent reporting public information that can not be verified and I provided a copy of a section. " The Judicial Conference recently approved proposed amendments to the Federal Rules of Bankruptcy Procedure and the Official Bankruptcy Forms which will implement the Conference Policy on privacy and public access to electronic case files. These amendments will take effect on XX/XX/XXXX. '' Please Help! I have a copy of Experian response if needed. Now, I notice word games used therefore may have used XXXX was stated but it went on to give XXXX contact information.

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 2023-09-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email from a scammer pretending to be one of my employees. This email was received after she requested check stubs, which I emailed her. She must have been hacked after this as the employer/employee relationship was established. The next email showing her correct email address ( XXXX ) was requesting I update her banking details. After I replied her email was changed ( XXXX ). I see it after the fact of course. I modified her banking details in my payroll processor ( XXXX ) and the money was deposited in the scam XXXX account on XX/XX/XXXX. I was alerted to the fraud on XX/XX/XXXX as XXXX XXXX never received her payroll check. I wrote a business check to XXXX XXXX to cover the cost of the scam. I filed a report with the FBI and right now I'm seeking to recover my loss of {$2000.00}. I have a police report number for the incident is XXXX. Please help recover my loss and prevent any further damage to other small business owners.

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 2022-03-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I was alerted to a {$6000.00} withdrawal made from a savings account I did not recognize ending in " XXXX ''. Upon logging into my Chase Bank app, I discovered a second savings account that was linked to my legitimate checking and savings account. 

Someone transferred {$9100.00} from my savings account into the one ending in " XXXX '', and then withdrew {$6000.00} using an electronic check ( E-Teller ). They also withdrew {$740.00} from an ATM at XXXX XXXX XXXX, XXXX New York. I live and work in XXXX, Ohio. 

Upon calling Chase, they initiated a claim for XXXX when I specifically stated that XXXX was withdrawn, followed by a XXXX withdrawal. They denied my claim at XXXX XXXX on Sunday, XX/XX/2022 by sending a robo-response letter. 

When I called on Monday, they stated that no one attached the XXXX withdrawal to my ID theft claim. I have done everything they have asked me to do, and I continue to get the run-around from representatives. My next course of action if this XXXX and XXXX amount is not promptly returned to me will be to contact my attorney. 

The fact that Chase allowed someone to put me as a secondary user on a savings account without my knowledge, allow that person to transfer most of my savings without my knowledge, and then withdraw those funds without my knowledge is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: Paypal Holdings, Inc
State: PA
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 sale XXXX XXXX, XXXX, XXXX, and etc. I use XXXX to connect with a plethora of customers. The money goes to Paypal and they hold the cash which I understand because of the customer. I have been using XXXX for sometime now and Paypal. However, Paypal has put a 180 Day hold on my funds. They first limited my account and asked for proof of business. I gave them the sales information from XXXX and even gave receipts of me sending the items to each customer with the USPS. However, they banned my account still. I contacted them numerous amounts of times, but to no avail. I finally got in touch with someone through Paypal on XXXX and they said there was nothing they could do to fix the my issue. 
XXXX XXXX XXXX " Wave Runner '' on Saturday, XX/XX/2021 for XXXX, The item was delivered to the customer on XX/XX/2021 XXXX XXXX XXXX Off-White " Sail '' on Monday, XX/XX/2021 for XXXX, The item was delivered XX/XX/2021 XXXX XXXX XXXX " XXXX XXXX Cactus XXXX '' on Wednesday XX/XX/2021 for XXXX, The item was delivered XX/XX/2021 XXXX XXXX " Alphaedge '' on Saturday, XX/XX/2021 for XXXX I still had these shoes up on auction and someone bought them, but because my account was banned the money went straight to Paypal. I contacted XXXX about my situation and they told me to refund the buyer in which I did, but I could not do that with the other buyers because they already received there items. My linked email for Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have attached correspondence, but essentially, TD Bank refuses to close my account unless I : 1 ) Visit a branch in person that is hours away, risking the health and safety of my family during a worldwide pandemic, 2 ) Get a notarized letter, the process of which risks the health and safety of my family during a worldwide pandemic, to facilitate closure of the account, or 3 ) transfer out the funds from the account - which had already been done until they accrued {$0.00} of interest before processing the closure - an amount too low to transfer. Rather than writing if out or issuing a check, it's " hey we don't care about COVID '' - over literally XXXX XXXX. Their recklessness is shocking and disturbing to me, and if I weren't already trying to close my account I surely would be now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were recently transferred from XXXX to aidvantage, i was paying XXXX with income driven repayment a total of {$150.00} a month which includes a payment of {$64.00} and a payment of {$95.00}. I was told I would not have to make any changes to payment as the transition should be seamless, the first month of having aidvantage they took a total of {$340.00} in 2 payments in XXXX - one of {$170.00} and one of {$170.00}. I had suddenly been receiving tons of mail from aidvantage and XXXX  about my loans in the last 14 days and logged in on XX/XX/2022 to find out they had my autopay set up to withdraw approximately {$3000.00} from my account on XX/XX/2022 without any warning in any of the mail I had received or by phone/email. I immediately called aidvantage and they canceled my autopay and assured me they would not collect that money as the autopay has now been canceled. They also had issues putting me back into income driven repayment. Because of this I had them put me in COVID relief deferment so that I wouldnt have a payment, and I then I made a payment for {$170.00} as this is the amount I have been paying to XXXX regularly and monthly for the past 2 years. I realized they were wrong or lied and withdrew {$1700.00} on XX/XX/2022, over drafting my account. I logged into their website today to ensure that my autopay is off and found that I am no longer in the Covid relief and have a payment due for {$1200.00} which appears to be the amount that is left over after they overdrafted my checking account. I also received multiple past-due notices for small amounts such as {$5.00} and a {$30.00} for XXXX, despite being set up for Auto-pay and also already paying my loans for that month, which was an amount that they had already changed and increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir, Madame, I am a client of XXXX XXXX. Just started trading cryptocurrencies in XXXX 2017. I have loaded my account with few minor transactions from my credit card, which went through straight away. I have then transferred the amount of XXXX XXXX EUR from my personal account in XXXX to their account in XXXX on XX.XX.2017. Until now the amount has not been received in my Coinbase account. I have contacted Support and opened a Case ticket with them. They requested my payment order and this is when they stopped replying to my correspondence. Because of the lost transfer, I have missed many trading opportunities. Kindly assist in getting the amount credited to my Coinbase account or refunded to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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:
This is my second time I file complain with cfpb because in first complain I didn't get my answer, Amex offer me welcome bonus now they tell me I'm not eligible, I want to know exact reason with proof of that and even they told me when I applied they told me I'm not eligible so even if you have proof of I signed it that open credit card without welcome bonus please share with me, I don't want my welcome offer I only want to know what's exact reason of that with proof, because in last complain mentioned some of reason from terms, I know all of them but I want to know which one is the reason I'm not eligible and what's proof of that My first complain number CFPB Ref No : XXXX Ref : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I learned that Synchrony Bank closed my XXXX XXXX XXXX and Amazon Credit card sometime in 2022 without my knowledge or without sending me written or electronic notification. I would not have found out about the account closures unless I had applied for a mortgage in which the lender brought it to my knowledge that these accounts were showing " closes '' with past due balances. 

I called Synchrony Bank and they told me they closed my XXXX XXXX because I had a returned payment in XX/XX/2022. They were not able to inform my as to why they closed my Amazon card. They told me that I could request to have my account re-opened but it would take 30 days to review the request and to please call back in XX/XX/2022. 

I do not have any documents to submit for my complaint as Synchrony Bank has not formally notified me that my accounts are closed - However I can not use my cards even with the available credit on the cards as they are deemed closed. 

I have read that similar situations have happened to numerous other Synchrony Bank cardholders. 

Closing an account without notifying the account holder is alarming and not professional. Please investigate the actions of Synchrony Bank. 

Thank you in advance.

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 2023-11-03
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a complaint with US Bank and the company responded by attaching an old letter from a different complaint, related to a different issue, dated with the old date, that was copied and pasted from the old problem, and therefore did not address my complaint. I suspect they will again do the same because they refused to close a core deposit account, the online banking teller told me they " lost '' my money. They submitted a research ticket and still could not find my " lost '' money after a month. When I filed my complaint about this, they uploaded a response to an old complaint, rather than the current actual complaint. I suspect they will do the same again. They are stealing money, and are not being held accountable, which is why they did not respond to my last complaint.

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 2023-10-31
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting 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:
i am victim of identity theft with XXXX XXXX breach, i have filled out forms with FBI XXXX and I have included those documents to support I have to clear out all of these inquiries with these companies these inquiries are unauthorized and I demand them to be deleted and erased ASAP as they are violation unauthorized and unlawful violation to consumer rights

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 2023-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
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: Information belongs to someone else

Complaint:
A loan was fraudulently made in my name by XXXX XXXX XXXX XXXX on XX/XX/2019 with a current balance of {$5300.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

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 2023-11-02
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 chime closed my account which contained XXXX dollars for unknown reasons. When I reached out to the company they said I needed to provide proof that my deposits were legit and meant for me which I provided and I still do not have access to the funds nor my account. They will not give me my money back and are not providing further information on my funds or the account being closed for illegitimate reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: U.S. BANCORP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ELAN FINANCIAL SVCS Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Balance is XXXX and company will not correct reporting

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 2022-12-31
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX was reporting inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, balances, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Sentry Recovery and Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My debt is with Sentry Recovery Collection agency based in XXXX XXXX, NV. This debt has recently showed back on my report after not being on my report for over 4 years. I called them and stated where the debt is coming from they said an aprtment I use to live at. They stated I owe 1600 dollars which is false. I called the company that gave them the debt and was told it should only certain amount owed of 400.00. When I contacted the collection agency they argued with me and stated the balance of 1600 was correct .. in which they later found out that 400 was owe, they then adding 250 dollars of interest and stated I owed XXXX. After this incident I contact the property that gave that number and was told it was incorrect. Due to the moved explaining the reasoning from moving from the apartments was due to a legal reason. A restraining order was file by the state of Nevada due to legal reasoning leaving my property home

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