BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an order for a XXXX XXXX television with " XXXX XXXX '' a third party seller through XXXX, on XX/XX/2021 in the amount of {$4100.00}. The item was to be delivered on XX/XX/2021. I left clear delivery instructions stating that if I were not home to call me and if no answer to reattempt delivery. In addition, XXXX required a signature from me for successful delivery. I was not home on XX/XX/XXXX XXXX and when checking the tracking information it showed that my item was delivered to someone named XXXX XXXX XXXX. I immediately reached out to the merchant through XXXX and explained what happened. The merchant explained that an investigation would be started, and someone would reach out to me in the following days. I never heard anything back and reached out to the merchant again and was informed by " XXXX XXXX '' customer service representative named XXXX that an investigation was still in process. Days went by and again I had not heard anything back from the merchant " XXXX XXXX ''. I then proceeded to dispute the charge with my bank institution. I was advised by my bank institution to reach out to XXXX and see if the issue could be remedied. I then reached out to XXXX customer service and explained my situation to a representative named XXXX XXXX. XXXX XXXX explained to me that a refund would be issued to my card and I should see it in 3-5 business days. The credit never came. Upon submitting my dispute, the merchant has now responded stating that I have had XXXX orders delivered to my home in the past with no issue and that my address is valid ( which is irrelevant to this situation ). My address and apartment number is valid however, the merchant failed to mention that I live in an apartment building and not a house, so delivery of a package with a signature required by me is vital. As I stated previously, the package was not delivered to me, nor was it signed by me, and my delivery instructions were not followed. My package was instead delivered to someone named XXXX at a different address/apartment number. The merchant also stated that they have no record of any phone calls or emails from me regarding my issue. That is inaccurate and I have contacted the merchant and XXXX several times via email and XXXX transcript ( please see attached ). In addition to XXXX policy, XXXX can refund a customer at their discretion. XXXX agreed to refund me because of this issue ( as seen in the transcript ) and I have yet to receive my refund. I've also filed a police report with my local police department. My bank institution constantly resolves the issue in the merchants favor. I've submitted a dispute over 5 times since XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: VA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

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 2018-06-01
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I SENT A DEBT VALIDATION LETTER TO THIS COMPANY AND ASKED THEM TO VALIDATE THE ACCOUNT. I ASKED THEM TO SEND ME DOCUMENTATION WITH MY SIGNATURE THAT SAYS I AM INDEED THE PERSON RESPONSIBLE FOR PAYING THIS DEBT. THEY SENT ME A LETTER BACK SAYING THEY ARE UNABLE TO VERIFY THE ACCOUNT. ALL THEY SENT ME WAS A BILL STATING THE ACCOUNT IS VERIFIED BUT THEY DID NOT PROVIDE ME WITH ANY PROF THAT I OPENED IT SO PLEASE REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The account is an over draft protection line of credit with PNC. 
When attempting to pay off the amount of XXXX on XX/XX/XXXX, my checking account was charged twice for that amount. After several days, The numbers shown on my virtual account did not reflect that I had paid the amount back nor the effects of the second payment. 

I waited several days to see if the account would right itself and it never did. I called around XXXX on XX/XX/XXXX and was told an order had been put in to fix it, and it might take up to seven days. 

Within that time automatic payments have been taken out of my account and triggered overdrafts from a line of credit that was incorrect. 

I was told specifically on the call it was not my fault but a glitch that happens every so often. I was also told that it may take shorter than seven days because the fix is within my account. I was also told their was nothing I or they could do about the overdraft charges while the account is broken I find the wait time for them to fix their mistake is appalling. As is the continuation of charges to that line of credit for overdrafts that should not have happened if not for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
after covid modification ended Mr. Copper my mortgage holder charged me interest of XXXX Thay said if i didn't pay Thay where going to foreclose on me i paid the money none of it went toward my principle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX XXXX XXXX pulled my credit reports without my authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I fully expect these to be removed from the XXXX main credit reporting agencies of Transunion, XXXX, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney XXXX XXXX. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.

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 2019-04-16
Company: Experian Information Solutions Inc.
State: LA
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 opened a dispute with Experian. They closed it the next day saying it was accurate providing no documentation. Sent letter with info below.. Account was not mine. 

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with XXXX XXXX XXXX , XXXX on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.

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 2022-01-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
My bank did a reversal for a {$34000.00} transfer to my Coinbase account. My account balance went from {$53000.00} to {$6700.00}. I messaged Coinbase supposed multiple times and no one can give me a reason for the {$46000.00} decrease. They havent offered me a refund or any type of solution to the problem. Ive been missing my {$19000.00} since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Convergent Resources, Inc.
State: GA
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:
After reviewing my consumer report, I identified a discrepancy with an account listed under Convergent Outsourcing XXXX this alleged debt was furnished from another third-party debt collector by the name of XXXX XXXX in which, the item was removed from my consumer report based on reinvestigation which is conclusively an admission of guilt pursuant of the FCRA and FDCPA. 
As a consumer, Convergent Outsourcing is reporting false and inaccurate information to various consumer reporting agencies regarding an alleged account ( XXXX ). Furthermore, just to provide clarity on this alleged debt I was notified on XXXX XXXX via email from XXXX XXXX introducing the company and explaining that they had taken over an account with the claim that my current balance was { {$510.00} } ( 1 ) I have never owned any alleged account ( 2 ) I have never provided written consent to be sent to a collection agency ( 3 ) I have never received any validation documents from Diversified Consultants/Convergent Outsourcing because neither account is mine ( 5 ) I have never agreed to XXXX XXXX or Convergent Outsourcing furnishing information. 
At this point, XXXX XXXX was clearly removed from my consumer report and I expect the same results with Convergent Outsourcing because the information exhibited on my consumer report reflects another attempt to collect the same alleged debt, This is clearly a violation of 15 U.S.C.1692c ( a ) by attempting to communicate with me about a debt without my consent. In addition, Diversified Consultants and Convergent Outsourcing are in violation of 15 U.S.C 1692d ( 2 ) in which, XXXX XXXX and Convergent Outsourcing have continuously engaged in conduct to harass me in connection with the collection of an alleged debt that isnt mine by utilizing obscene and profane language, Furthermore, XXXX XXXX and Convergent Outsourcing are in clear violation of 15 U.S.C. 1692e ( 10 ) in which, their attempting to utilize deceptive practices to bill consumers and fail to accurately clarify the misrepresented information and attempting to use false legal notification as a means to collect or attempt to collect any alleged debt. In addition, to 15 U.S. Code 1681s2 In closing, please reply with your response via US Mail. Do not contact me by phone as it is inconvenient. Do not contact my family or acquaintances in any manner. Please note that I am fully prepared to pursue my rights as a consumer for the damages, mental anguish ( stress ), and losses to me due to this account not being mine ( declined and decreased credit ).

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 2023-03-13
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, On XX/XX/XXXX my US Bank Checking account was put under review for XXXX transactions I authorized out of the account and has been set to close ever since then but has not been officially close and my funds have been frozen ever since. 

Since that date, I have called 10+ times as well as visiting my local branch and have received a multitude of answers from service representatives. 

An agent told me I can go up to my branch on XX/XX/XXXX to collect the {$1900.00} balance in the account to which the branch manager called the back end and it was confirmed thats not the case and my funds are still on hold. 

I have been told this process would take a week but here I am a month later without my funds and have recieved ZERO correspondence via phone, mail or email about this whole ordeal and I am wondering if I will ever see my money again. 

The account is not closed and they are using that excuse to not disperse my funds but whatever state the account is in at the moment I am not able to login to online banking or withdraw funds in any way Please please help me I am afraid I will never see my money again.

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 2021-09-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On or about XX/XX/2021 I mailed a demand letter to Experian, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notified Experian in the letter that pursuant to the FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. 

As of XX/XX/2021, I have not received any response regarding my demand letter.

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 2021-07-12
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX around XXXX at Sam 's club store on XXXX XXXX in XXXX Colorado. When I was checking out at self check I was approached by an employee from the store and he said that he wants to scan my membership card to verify the address and name is correct. I let him do that he then started clicking on some boxes and answering questions on the screen of a check out. he said he will give me {$30.00} to verify all my information and asked me to input my social security number into the keypad at the checkout. he then proceeded to click on some more things on the screen and then all of a sudden he told me the card is going to come in the mail. I asked him what card and he said it was a credit card. He never asked if I wanted the credit card because I do not want a credit card from that store. He never said the information I'm giving him is going to be used to apply for a credit card so he fraudulently used my information to apply for a Sam 's credit card without telling me or asking me! when I left the store and started processing what has just happened and try to call the store to talk to a manager, a manager was not available. Team lead said the manager will call me back, the manager never called me back. The teamlead said that they know that this is happening and that the employee should not be doing that however they never tried to fix the situation or stop it from happening again!

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 2018-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/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 explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without my written instructions.

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 2022-08-26
Company: AES/PHEAA
State: MA
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:
I worked for a certified employer from XXXX until XXXX. I have been given credit for under the PSLF program for XXXX, XXXX ( TEPLSF ) and XXXX. XXXX has not been given credit. I understood that payment programs did that did not count under PSLF would be counted under TEPLSF. 

I am attaching confirmation of my working for a certified public employer and my request for reconsideration for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
the accounts/ inquires cant be verified and need to be removed from my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company response to consumer: Closed with explanation