BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US bank is holding a deposit for extended time. I normally have my paycheck deposited remotely for the pat 2 + years and they hold $XXXX then release the balance 24 hours later. Now with my recent deposit  onXX/XX/2018 for $XXXX they decided to without  warning hold a large portion of my funds for and extra 7 days. This severely affects my family and is not acceptable. How can a bank change or enforce policy as they feel fit? I have spoken to them and no one in their organization is willing to do any thing. I called the brach where the deposit was made and they wont help. My family now suffers because a corporate monster decides to hold my hard earned money, unacceptable!!

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and XXXX to have them removed but they still reflect

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 2019-09-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I am writing this concern/complaint regarding my mother 's house that is in foreclosure. I am not sure where to turn to for help other than here. 

My mother passed away in 2015 and she was the owner of the house. My mother 's name is on the mortgage as well the sole payee. Once she passed, the mortgage was unable to be taken care of. My father ( Senior Citizen ) could not take care of the payment, for it was too high. He went into XXXX   XXXX. 

The original loan was handled by XXXX. My sister tried to work with them, but they toiled with her for so many months. Then, one day, the loan was given to ShellPoint Mortgage which we are still confused about. We tried to work with them, but nothing. After that, we were told that someone else is in charge of our loan, but have no idea who. 

We are in state of confusion about what is happening. No one is talking to us or explaining really what is happening. 

I read that you have policies in place to protect the passing of loved one 's who where owner 's of homes, as well the heirs to the homes. We were not given any instruction or help in regards to that. 

At this point, we are in dire need. We were not aware of your service before and looking to you for help. 

The amount of the loan is around {$300000.00}. My mother was the owner. The original bank owner was XXXX. We are based out of XXXX, California. 

My email is : XXXX Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for an Amex Credit card that was supposed to award me XXXX XXXX XXXX miles after spending at least {$300000.00} and {$100.00} statement credit after the first purchase with XXXX Airlines. 

My first purchase with this credit card ( on XXXX XXXX, XXXX ) was two XXXX air tickets, but I 've not received my {$100.00} statement credit yet. 

Furthermore, I reached the {$3000.00} minimum purchase threshold on XXXX XXXX, XXXX XXXX more than XXXX weeks ago ) and, similarly, I have not received my XXXX XXXX Skymiles miles yet. 

According to the terms of service, the {$100.00} statement credit should have been posted XXXX weeks after the XXXX purchase and the XXXX Skymiles miles should have been posted XXXX weeks after hitting the {$3000.00} spending threshold. This was confirmed by a chat I had with Amex XXXX on XXXX XXXX XXXX ). There have been more than XXXX weeks I did the first XXXX purchase and more than XXXX weeks I hit the {$3000.00} spending threshold. 

I have already contacted Amex several times by chat and every time they asked me to wait ( this week, the last time I talked to them, they said there was a glitch on the system and that I should get my miles soon ). 

This has been extremely inconvenient. I was planning to use the miles in a trip I will take soon and Amex is messing up with my plans. 

I am attaching the XXXX statement ( where you can see that my first purchase was a XXXX purchase ) and the XXXX statement ( as you can see, I reached the minimum {$3000.00} purchase by XXXX XXXX XXXX. Also, I am attaching screenshots of a chat I had with Amex in XXXX XXXX ( where they confirmed that the deadline for the {$100.00} statement credit is 8-12 weeks and the deadline for getting the miles is XXXX-8 weeks )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00}

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 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00}

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 2023-02-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent accounts police report on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to buy a car and i was denied due to damages to my credit according 15 USC 1681 Law That is deformation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Dealer Funding, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dealer Funding is on my credit report when it should n't be. The problem that happened was I got it to an horrible car accident and my car insurer paid it off plus I had gap insurance so the car was totaled and paid off, all of this took place in XXXX Now that it is XXXX I have been disputing this company on all three credit bureau and still it is on my credit. The number to the company is no longer in service. Also my mother was my cosigner on this account at it is n't on her credit but its on mines and I 'm not understanding this when it was paid buy the insurance company in XXXX. Please help me resolve this issue because it is a burden on my life!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2018-07-24
Company: Tulsa Adjustment Bureau
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MY NAME IS XXXX XXXX. I WAS SENT TO COLLECTIONS FROM XXXX XXXX XXXX IN XXXX OKLAHOMA. I WAS INSURED UNDER THE STATE OF OKLAHOMA WITH MEDICAID. DATE OF SERVICE IS XX/XX/2017. XXXX OF OKLAHOMA WAS NEVER BILLED, WHEN I TALKED TO XXXX XXXX XXXX I TALKED TO XXXX WHO CONFIRMED THEY BILLED THE WRONG INS WHICH IS XXXX XXXX BUT REFUSED TO REMOVE FROM COLLECTIONS WHICH IS AFFECTING MY CREDIT. I ALSO TALKED TO THE COLLECTION AGENCY WHICH IS XXXX XXXX TO DISPUTE AND SENT THEM MY LETTER OF ELIGIBILITY AND THEY TOO REFUSE TO REMOVE. I AM ON MY WAY TO THE MILITARY AND NEED TO HAVE THIS ITEM REMOVED FROM COLLECTIONS AND OFF MY CREDIT REPORT AS SOON AS POSSIBLE AS THIS BILL IS OUT OF TIMELY FILING AND ALSO I WAS NEVER EVEN NOTIFIED OF THE BILL OR RECIEVED INITIAL NOTICE FROM MTHE COLLECTION AGENCY. I FOUND THE INFO THROUGH MY CREDIT REPORT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Americas Car-Mart, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called carmart to notify them about my payday falling on the XXXX and XXXX. I asked to have my contract modified before my due date. They refused to modify but the manager did say she would notate the account that I would pay half on the XXXX, which I did and the other half on the XXXX. If I spoke to the general manager why is the account rep. Calling me 5 times a day or three times in a row back to back?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: TX
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:
In XXXX, I requested inaccurate information removed from my credit reports from all three credit bureaus. XXXX  responded in 4 days, Equifax in 6 days and XXXX in 12 days to my amazement. 
I then sent a second letter in mid XXXX requesting all three agencies to reinvestigate my dispute and to send me detail account of how the investigation was conducted and how the account and account information was validated. My concern was again dismissed as the account is still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, Transunion, XXXX, and XXXX still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX   XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC 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 2017-09-22
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We have a sellers account with e-bay and when we sell something the money is transferred to our pay pal account. On XXXX/XXXX/XXXX we received an email from pay pal stating that a hold was put on our account and all monies were being held for 180 days. 
The reason given was that we violated our agreement with pay pal. First of all the sale in question was for {$18.00} and they are holding over {$1000.00} of our money. They are saying the product is in violation of their policy, We have never been given a list of prohibited products and have been selling this particular product for months without any problem from e-bay or pay pal. For this company to hold our money for 180 days is fraudulent, We have called customer service and gotten the run around several times telling us to e-mail a department in pay pal, which we did and got no response. We sent in formal complaints and only got the response that our appeal was denied. We subsequently send a long letter to 34 e-mail addresses for pay pal giving them till the XXXX of XXXX to respond. We have gotten no response as of today. WE have a case number XXXX. We want our money back now, there is no legal reason for them to hold it. We will gladly cancel our account and do business elsewhere if that 's what they want. 
Please file a complaint for us on our behalf. We are also going to BBB and the XXXX XXXX  XXXX office, Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: Prosper Marketplace, 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 is missing that should be on the report

Complaint:
I owed approximately {$730.00} to XXXX XXXX, {$4000.00} to Prosper Market Place and {$2200.00} to XXXX XXXX. The account ( s ) were closed, charged off and sold to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. After I paid the account ( s ) in full I was told that the three mentioned companies would change the status on my credit reports to " Charged Off, paid in full '' after XXXX XXXX reported to XXXX XXXX, XXXX XXXX XXXX reported to XXXX XXXX and XXXX XXXX reported to Prosper Marketplace the account ( s ) as paid in full to them. It has been over six months in one case and an approximate month on the others and no change has occurred.I have contacted XXXX XXXX, Prosper Marketplace and XXXX XXXX and no action has been taken. I have disputed the accounts via the three credit bureaus ( XXXX, XXXX and XXXX ) and still nothing. Attached are the Paid in Full letter ( s ) for your review.

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 2022-11-18
Company: Synovus Bank
State: FL
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:
RE : XXXX XXXX opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX  XXXX ''. Please see attached bank statement. ( bottom of page 1 ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I started checking my credit for innacurate information this year. I have disputed this fraudulent account many times via XXXX  and XXXX. It still appears on my credit report. I even put out a fraud alert. I do not recognize this account. Please delete it from my credit 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 monetary relief
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Wired money into coinbase from my wellsfargo account. 

From Coinbase, a Fraudulent wire transfer was sent of XXXX. 

Called XXXX and advised that the transfer to coinbase was legitimate. 

Called coinbase and advised they do not do fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In order to establish a credit history when we moved back to the U.S, I obtained a {$1000.00} secured credit card with Citi Bank. I have n't been able to use the card after the third month. It 's been close to a year since I received the secured credit card. When we called the bank to inquire why my card was n't been accepted by business establishments, I was informed that the card had been canceled and that it could n't be reissued. 
Then we where informed that we would get our {$1000.00} back via regular mail within 6 to 8 weeks. three months latter, they have not returned my funds. 
I have been to the CITI branch three times and have not been able to get a response on what the problem could be. 
The bank has had my {$1000.00} for more that a year. The balance on the credit card is XXXX and as a result : Has not help me to establish credit history as was the original objective. 
I have no use of my own money because CITI wo n't give it back. 
They say that it will be in the mail, but three months latter, I still have not been able to get my money back. What can I do to resolve this problem?

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 2020-09-11
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan with TD Auto Finance has been set to AutoPay since it began. However, they have told me that in XXXX the autopay was stopped. There was no explanation given, but that is false because I was enrolled in it in XXXX and XXXX, as evidenced by the attached email confirmations. Due to TD Auto Finance 's malfunction, the payment did not process properly and was marked as late. When I was made aware of this, I worked with the TD Auto Finance IT team and confirmed that the error was on their backend because it was not saving account information correctly, and we were able to replicate it several times. In the attached screenshot it shows the exact issue in their AutoPay system where the bank account info what is entered in Step 1, and then confirmed in Step 2, is NOT what is actually saved in Step 3.

While they waived the fee, they have not reported correctly to the credit bureaus that the payment was never late. As a result, my credit score dropped 100 points form ONLY this! ( there were no other changes ). This is a violation of the FCRA because it is not accurately reporting the payment history of the account

Company response to consumer: Closed with explanation