BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: WELLS FARGO & 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 balance transfer

Complaint:
In XX/XX/2021 I applied for a credit card and subsequent balance transfer with Wells Fargo. The card was approved but the available credit was not what I requested. I subsequent contacted Wells Fargo immediately and spoke to a representative in new applications and requested to have the credit cards closed and the balance transfer rescinded. Two different Wells Fargo representatives assured me that this would be done. Wells Fargo sent me an unwanted credit card and completed a balance transfer that I did not request and charged me {$100.00} in fees. I have spent over XXXX hours attempting to give this issue resolved. I spoke to a Representative named XXXX in customer advocacy who hung up the phone on me twice on XX/XX/2021 after i simply asked to speak to speak with a manager or another associate because he was extremely rude and unhelpful. Wells Fargo needs to closed this account and undo an unrequested balance transfer and return my {$100.00} in fees that they charged me for a service that i did not request.

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 2019-09-23
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-12
Company: Bonneville Billing and Collections
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not owe this debt. It is the result of identity theft. Ive tried reaching out to the debt collector, XXXX and CFPB. This debt does not belong to me yet noones taking action to remove it from my credit report. XXXX   XXXX XXXX XXXX XXXX must be investigated for fraudulent practices. Ive been dealing with their attacks on me and my credit report since 2017. I have been consistently targeted by the XXXX staff. Take a look at the documents attached. This fraudulent debt collection agency doesnt provide an account number. This is done to gain access to consumers social security numbers. This company must be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-01-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a wet ink signature of a signed contract with the creditor. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. I am invoking my specified remedy as a consumer, and the original creditor, I am demanding all of the following : XXXX out the balance on this account, Grant me my title lien free, Pay me all payments made to your company including any down payments from the inception of this alleged debt until the current date. Your next contact with me should be to either notify me that the XXXX has failed to provide verification of the debt and that the matter has been closed. Please confirm that I am not being held responsible for the debt in writing and the above specified remedies has been granted. I expect that you will provide me with all documents relevant to the debt as requested in my Debt Validation Letter submitted to your office via certified mailing and any other data that indicates my responsibility. In addition, you may not contact me by phone at work or at my home about this alleged debt. All future correspondence should be sent to me in writing. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
RE : Complaint # : XXXX As of XXXX XX/XX/XXXX XXXX XXXX XXXX has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with XXXX credit bureau, 30-day late payment for the month of XX/XX/XXXX with Trans Union and XXXX  credit bureaus. XXXX  XXXX XXXX reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that XXXX  XXXX XXXX officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to XXXX  XXXX XXXX and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by XXXX  XXXX XXXX regarding payments made to the bank between XX/XX/XXXX and 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 2022-10-18
Company: BAM Management US Holdings Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX from my XXXX XXXX wallet to Binance at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding Flagstar Bank. This is a continuous complaint from last year which I was resolved and they assured me that I wouldn't have this problem again. Per Flagstar they XXXX out my taxes and just put XXXX in the would be taxes area, to prevent further collection in the future. My taxes have been deferred on my mortgage since XXXX. It also shows deferred in their system as well. For the second year in a row, they have paid my deferred taxes resulting in a negative escrow balance for me. A negative escrow account means my payment will go up at least 100 %. My taxes are deferred because I am XXXX XXXX XXXX. Flagstar sent the most recent payment to XXXX County on XX/XX/XXXX. It's XX/XX/XXXX, I have been calling Flagstar to get this resolved, however even though they're opened today, they have the 24hr automated response on their phone systems so I can't get through to an actual customer service representative. 
Bellow is the initial complaint I filed with CFPB that Flagstar resolved by crediting my account and readjusting my payment. Only to have the same thing done again. 

I have a mortgage loan with Flagstar since XXXX. My taxes have been deferred due to my XXXX XXXX since XX/XX/XXXX-XX/XX/XXXX. Deferment means the county doesnt collect on my taxes however they still accrue but Im not required to pay them until I sell my home. In XX/XX/XXXX I received a new escrow analysis from Flagstar with my payment going from {$900.00} to {$1700.00}. I called Flagstar and told them that my taxes were deferred which was also reflected in their system. They said it would be corrected. As of XX/XX/XXXX they informed me that there was nothing that could be done about it. I explained to them that this wasnt my fault and it was a mistake on their part. Not only that, I set up an automatic payment for the {$900.00} because I was told my payment would still be the same. Today they withdrew the full {$1700.00} from my bank account. Now my account is negative and all pending payments sent for bills will be returned. Please help me. Im on a fixed income and can no longer afford my mortgage because of their mistake! 
Thanks for your help in resolving this 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 explanation
Consumer complaint received 2021-02-01
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BBVA bank were supposed to submit a claim after my debit card number was stolen off of XXXX by XXXX employees. I submitted the claim on XX/XX/2020, and the rep told me he turned my debit card off permanently so no one could use it again and he claimed he ordered me a new card. A month went by and I called back to find out why I was still seeing charges to the old card, and why my account was negative, it was because they never Actually submitted the claim and instead ignored my claim and told their boss that they did not turn it in because they needed to update my address- which was a lie, they thought I forgot and tried to sabatoge my account, stole my closed card, and tried steal my claim from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Fair Credit Reporting act. The listed accounts below has violated my federal proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2019-12-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi I was trying to add my credit card to XXXX XXXX  and I also have higher interest charges on my credit card statement and Im struggling to make ends meet and finally I having trouble adding my credit card on XXXX eats and the credit card company told me I need to contact XXXX and XXXX support to fix the problem in which I did and I dont feel comfortable giving out my credit card information to XXXX and XXXX over the phone ... and TD bank reps were rude to me and hanging up on me and transfer me to different departments and all I wanted is too add XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to remove PMI from my conventional mortgage. My mortgage company took payment for appraisal 2 months ago. They received my payment and took payment instantly. Last month they sent me a letter stating they need more money for appraisal inspection. Paid additional money as request. Already spoke 5-6 times with representatives from mortgage company and every time I get the same answer : " someone will call back ''. Never received a call back. For the past 2 months I have been trying to find out when is appraiser will come out and inspect the property. I called numerous time and not able to get any answers. Keep saying someone will contact you but no one reached out to me for the past 2 months. 
Please help.

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 2018-02-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I sold some Litecoin cryptocurrency from Coinbase on XX/XX/2017 in the amount of {$1300.00} and had it transfer to my linked account for payout. money never reached my account. I sent a support email to the company and didn't get a response. I've sent probably 10+ emails and more recently XXXX @ coinbase to try to get them to help me. I have not gotten any help in this matter in almost 2 months now. my most recent case # for the email i sent today is XXXX. I noticed that all my other emails have been deleted from the support page within my account now. This company won't help at all. Their phone lines say they can not help with anything about money whether it be deposits or withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MO
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 Fair Credit Reporting act. The listed accounts below has violated my federal proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In an attempt to improve my credit score, I am paying down and off all my credit cards. Discover is my oldest credit card with the largest available balance. I paid it off and haven't used it in about two years, but I had intended to keep it. WIthout a warning, I received an email from Discover on XX/XX/2019 saying my card was closed by them for lack of use. I called today XX/XX/2019 ( due to the holiday ) and spoke to XXXX at XXXX who said it is too late. I would have to reapply. I explained what I am trying to do and he said there was nothing he could do about it. I find this truly unfair as if they had warned me first, I would have used it. This is going to ding my credit score ... ..why is it that the people who attempt to improve their scores get punished? I am hoping you can help me to get that specific account reopened and I promise to use it if I must. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a Money Market account ending in # XXXX on XXXX and was told it would take 15 business days to receive a check due me in the amount of {$63000.00}. 
I received a letter from Capital One dated XXXX indicating the account had been closed. See attached. 
I phoned on XXXX at XXXX as provided on the letter. I was told that it had mailed and perhaps was delayed by the US Postal Service. I was sent an affidavit to fill out to indicate that Id not yet receive my check. See attached. I was told this would take 7-10 days. I sent the affidavit on XXXX -- see attached. 
I phoned again on XXXX at XXXX, which is the main Capital One line. I spoke with supervisor, XXXX. She told me a reissue could happen 60 days from original issue. She then did not have access to further information, and I was transferred to the Escalation Team. I was asked to verify my email address and was given Escalation # XXXX. 
I got a call from XXXX at Capital One on XXXX. She told me her direct line was XXXX and given extension XXXX. XXXX indicated that a check reissue would be done on XXXX, and that I would be given a XXXX  XXXX tracking number at that time. 
I phoned XXXX at extension XXXX. Here I got an automated message saying that I needed a 7-digit extension. Note : I had gotten a 6-digit extension. 
I phoned XXXX and asked to be transferred to the Escalation Team. XXXX, a supervisor there, told me that he did not have a tracking number and it probably was sent via US Postal Service. He told me to try again tomorrow. 
The internal tracking, non-responsiveness, and lack of acceptability of anything related to this entire fiasco is laughable, except that Capital One has held my money hostage for over 90 days. 
When I inquired previously that I should be reimbursed interest on days that Capital One has held my money I was told that this couldnt be authorized. It seems they can make interest on my money, but I can not recoup any interest lost. 
I not only feel that this is probably a recurring issue and a way to hold onto money with little or no penalty. After all, much like I was told in my last call today the next escalation is the presidents office at Capital One and it can only be reached via mail. Certainly, they can say they never got the letter much like my check that Uncle Sam is blamed for losing. 
I want my money and interest lost during this time period of over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank treats me horibke I apllied for a secured card they always give me a hard time I call to check status they saw oh everything is fine then the following week they need Verifiction when I call them their very rude to do it by phone then I get a letter that my application was denied because my address is suspected fraud which is ridiculous I call them they refuse to process my application for my secured card and wont believe its me not fair

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 2017-07-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My credit report is still reflecting late payment, however, I was modified and have been current on my loan for awhile now. Creditor agreed to remove all late payments with one being a bank error. Creditor keeps delaying the update although they have promised multiple of times.

Company response to consumer: Closed with explanation