BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXXXX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XX/XX/XXXX. called to remove the negative inquiry. customer service would not help remove negative impacting inquiry XXXX XXXX XXXX XXXX called multiple times. the customer service rep would not help remove the inquiry. 
XXXX XXXX XX/XX/XXXX Called multiple time to remove the negative inquiry. customer service would not help remove. 
XXXX XX/XX/XXXX. called them multiple times. customer service would not help remove this negative inquiry XXXX XXXX XXXX XXXX called multiple time. customer service would not help remove this negative impacting inquiry XXXX XXXX XX/XX/XXXX called multiple time and the customer service rep would not help take this negative inquiry off. 
XXXX XXXX XXXX XXXX XXXX called multiple times customer service would not help remove this negative impacting inquiry XXXX XXXX-XX/XX/XXXX- called multiple times and customer service would not help remove the negative impacting inquiry. 
XXXX XXXX XX/XX/XXXX called several time and customer service would not help remove neg. impacting inquiry

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the accounts

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 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Capital One accounts were restricted on XX/XX/XXXX while some transfers were being investigated. I had an ongoing ACH credit from one of my XXXX business accts to my personal checking account for the amount of {$7000.00}. While all automatic linked debits, including utility bills and credit cards were declined and I had to change them to my XXXX XXXX account, Capital one has continued to process the automatic credit from XXXX knowing I have no way of accessing those funds. They have now pulled {$21000.00} from my business account since the " restriction ''. I was not aware until I received a mailed statement almost a month later as Capital one has not allowed me to access my accounts online. I have called multiple times and left messages. No one has returned any of my calls. I wrote a letter ( attached ) which also addressed the original wires that led to the restrictions and again have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: MORTGAGE FIRM, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : My mortgage was recently sold to a new servicing company. Following are the new company contact info : The Mortgage Firm. 
XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX. 
Tel. XXXX. FAX # XXXX. 
While the mortgage was still under the previous servicing company, I made my payment there on time. Monthly payment {$2100.00}, Since the transfer of my mortgage, the new servicing company is stating that they dont have record of my payment to the previous loan holder and they are charging me interests and threatening to take my account to collection. I even provided them my bank statements as evidence of my payment. I need your assistance to resolve this issue. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. When disputing this claim with the credit agencies, I would receive no answer from one and another would say it was legitimate. Neither XXXX, Transunion or XXXX XXXX XXXX would provide me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid. I believe the credit reporting agencies, Transunion and XXXX, went no further than the collection agency, XXXX XXXX XXXX, to verify the validity of the claim, when XXXX XXXX XXXX, the alleged source, should have been contacted to verify the validity of the claim.

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 2019-04-24
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: Their investigation did not fix an error on your report

Complaint:
I have a Chapter XXXX that appears on Experian and XXXX. It does not appear on XXXX. I have sent several letters requesting that this be removed. They both have advised me that my Bankruptcy was verified with a ( third party agency named ( XXXX XXXX  ) it was not verified with the courts. I have a letter from the U.S Bankruptcy courts in XXXX, IL confirming that they did not verify my Bankruptcy with any Credit Reporting Agencies.

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 2018-03-21
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by LTD Financial, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of XXXX XXXX, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted XXXX XXXX by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I signed up with venmo but I could not connect my bank account with the app. That's when I reached out to their customer service, who requested me to verify my identification by uploading my drivers license. Of which I was happy to do, but then after fiddling with the app, I find that once requested a debit card be mailed to my address, I was then able to link my bank account and did successfully upload {$700.00} into the Venmo account on XX/XX/2021. But since that day on, my account had been frozen. Venmo representative said that there were some policy violations. I can not for the life of me figure out what that may be because I haven't done anything with the account aside from loading {$700.00}. Now they are asking me to verify that I own my banking account by requesting some very sensitive information in the form of my monthly statement, which I am refusing to do because there was no plausible reason for any violation, or why my account is frozen. I just think this company is a scam attempting to hijack the money. I've since contacted my banking institution and had filed a claim. I've also have a claim at the XXXX  services. Everyone should be aware of these crooked company and their ill gotten services and withholdings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BAM Financial, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
BAM XXXX XXXX XXXX or XXXX XXXX  will not allow me to withdrawal my assets from my account. I am locked out of trading, ( buying and selling assets ) and even just being able to access my funds. I have submitted numerous tickets to the company with no reply. On XX/XX/2021 I submitted complaint ticket # XXXX. 
Also on XX/XX/2021 I made test USD deposit of {$620.00} which there is proof of deposit and amount left after the deposit was less - {$100.00} I really would just like withdrawal access of my funds. I have done nothing wrong. 
As of today XX/XX/2021 my account standing is {$25000.00} that I have absolutely no access to. Thank you for all your help and support!!

Company response to consumer: Untimely response
Consumer complaint received 2019-04-24
Company: Google Compare Credit Cards Inc.
State: VT
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 signed up for a free trial account with Google Pay. Before the free trial ended I tried to delete my credit card information from the account. There is no way delete a credit card from the account unless I add another in it's place.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TRANSUNION On XX/XX/XXXX I settled a collection with " XXXX XXXX '' I paid off the account XXXX {$450.00} the agreed upon settled amount. I was told by the rep that it would be a XXXX baIance once I settled the account I have XXXX XXXX so I waited until the following month to see if my status would update. In XXXX It updated to show a lower balance. I begin to dispute with the credit agencies. For XXXX the collection company " XXXX XXXX '' still reported the account with balance. I begin to dispute with the credit agencies-Despite me p. I aroviding proof and requesting the collection account be removed if they can not confirm the settled account, The credit reporting agencies will not remove and continue to report incorrectly. XXXX XXXX   XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. This is ridiculous. 

I have sent a dispute and copy of receipt to the bueraus and they still show a open a balance

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 2017-11-24
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
I have several accounts with Navy Federal CU and had a couple late payments reporting for them because my wife had XXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: U.S. BANCORP
State: CA
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:
I have a US Bank Platinum Visa card. My due date is the XXXX of the month. On XX/XX/XXXX I was charged a {$27.00} late fee despite the fact that my payment posted on XX/XX/XXXX. I contacted US Bank via telephone regarding the late fee and on XX/XX/XXXX my account was credited. 

On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged another late fee, this time it was {$38.00}. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. 

I contacted a US Bank representative via telephone on XX/XX/XXXX and was told that a supervisor would give me a call within 24 hours. I never received a call back. The {$38.00} late fee that I was charged for XX/XX/XXXX was credited back to my account but not the late fees for XX/XX/XXXX ( {$38.00} ), XX/XX/XXXX ( {$38.00} ), and XX/XX/XXXX ( {$38.00} ). 

Is this legal? I would like these unjust fees to be credited back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
BBVA has taken nearly a month to process my PPP loan. Other XXXX XXXX I worked with prior to COVID who have S-corps structured identically to mine and applied for loans in the same or similar amounts have heard back and been funded within a single week. This includes one XXXX who applied as late as last week and was funded today. BBVA representatives XXXX XXXX and XXXX XXXX have admitted to me on recorded phone calls ( attached ) that the bank did not have the resources necessary to participate in the PPP loan program. And yet they decided to. Despite stating that they are processing applications in the order they have been received, they are not ; they are prioritizing clients with larger accounts with the bank, from whom they stand to make greater profits. Illegal. Ms. XXXX and Ms. XXXX belong in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called Wells Fargo to ask them to close an estate account and transfer the funds to either my checking or savings. I was told no problem. Then they hit a snag and i was put on hold. They said due to the size of the amount $ XXXX they would not be able to transfer and that a cashiers check would have to be issued, I told them that was not an option as i needed the funds available to me now. I then asked since I was told the limit was XXXX to transfer the amount of {$9900.00} and the cut the rest in a cashiers check. I was told that since the bank account was closed there was nothing they can do. But wait? I never confirmed the bank account to be closed. I asked for it to be closed and my funds to be transferred. I went through 3 " escalation '' departments to receive the same answer from everyone. I can not have my funds today, it will take 2 business days. ( not what i asked for ). I asked for the account to be uncancelled, and was told that was also not possible. I asked for them to issue the money and remove it from my account as a payback, I was told that was not an option. I asked if any late fees or hardships are to result in my not having my funds today, what is the penalty to the bank? I was told nothing. In a super sweet customer service voice with tons of apologies I was told a complaint was submitted and it would take 1-2 days at the earliest to hear back from them. I simply asked for a resolution to an issue they created and they had none. I never confirmed for my account to be closed, I never was read disclosures, and I was unfairly treated. Wells Fargo provides zero resolutions to issues including and most importantly ones they create. I would love for them to be penalized to the highest extent of your service.

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 2021-09-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to reach out to this consumer reporting agency and they have not given me access to my consumer report AND FILE.

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 2020-07-27
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute over a transaction that I had made but services were not rendered. The bank allowed themselves 90 days to let me know of the outcome. They just said the merchant didnt respond and the dispute is closed. They said they tried to reach them a second time but it is still considered closed. I called to follow up and asked how am I supposed to get my money back? She just responded sometimes we cant help you. I am out over {$3000.00}. What kind of bank were supposed to trust with our money hardly puts up a fight for their customers? There is not further action they are allowing me to take with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was closing on a property on XX/XX/2018. On XX/XX/XXXX I requested a wire be sent from my account at HSBC. On XX/XX/XXXX, my account was charged. The money was never received by the escrow agent. I had to take an emergency overnight margin loan to cover the {$170000.00} that was transferred out of my account. I've been in contact with the HSBC Premier Representative and Branch Manager who have been very uncooperative. Its been 9 days and I am still missing the funds. I almost lost the purchase of the house, which I would have, had I not been able to obtain emergency funds from other sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have a Chapter XXXX that appears on XXXX  and Equifax. It does not appear on XXXX. I have sent several letters requesting that this be removed. They both have advised me that my Bankruptcy was verified with a ( third party agency named ( XXXX XXXX ) it was not verified with the courts. I have a letter from the U.S Bankruptcy courts in XXXX, IL confirming that they did not verify my Bankruptcy with any Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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:
XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX, XXXX. XXXX XXXX wont give me break down or signatures regarding these collections

Company response to consumer: Closed with explanation