BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: EQUIFAX, INC.
State: NJ
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:
Equifax wont remove inquires that they confirmed they deleted from my credit file the disputes were filed on XX/XX/2019 and wrapped up on XX/XX/2019 confirmation number of XXXX but the items still havent been removed also they are reporting 3 fraudulent accounts from XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  and they arent sending the data to the companies I just started they are using XXXX XXXX system and reporting these accounts that are fraudulent I will sue Equifax also XXXX is reporting a XXXX account on my file and I do have a police report this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
On XX/XX/2019 somebody stole my identity and applied for a false account with Synchrony bank through a company called XXXX. I have called XXXX credit fraud department 24 times and was told it was taken care of but never was. So, I need the inquiry removed from my XXXX  credit report, which has lowered my score and caused a denial of credit due to the fraudulent inquire. I have never received anything from Synchrony bank. They refuse to help in any way.

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 2018-03-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a payment to Citibank for XXXX to payoff the balance of my secured credit card. I tried to use my card around XX/XX/XXXX and the card was declined. I called the bank and was told that although a payment showed as posted it was on hold until XX/XX/XXXX. I told the rep that the payment cleared my bank on XX/XX/XXXX and wanted my funds released to my card. I was told that I would need to call back to speak with another department. Instead I started emailing Citibank so that I would have a paper trail. They kept telling me it would be available on the XXXX so I told them to close my account and refund my money. It is now the XX/XX/XXXX, they are no longer responding to emails but the account is closed and they haven't refunded me money!

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 2018-03-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Yesterday XX/XX/XXXX18 I tried to apply for an income based repayment plan. I went to student loans.gov. However the link to IRS did not work. I seem to remember this was a problem last year. I this still a problem? I was able to upload information to my to Navient as a paper application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Harley Davidson Financial Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am on XXXX XXXX military XXXX  and sent in documentation to Harley-Davidson Financial Services on XX/XX/2019. They have not yet honored my SCRA Benefits request. This is the second time I have issues with this company not honoring XXXX  military XXXX and failing to implement SCRA benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/XXXX my HELOC with USAA disappeared from my online banking account. I called USAA and they stated that they were working on rectifying this issue because bankruptcy laws have changed. I informed them that my Ch XXXX was discharged 10 years prior and I was never late on my HELOC. In fact, I had paid down approximately XXXX $ regardless of the fact that it was an interest-only loan. I did not receive any paperwork or any phone calls. I called the bankruptcy department many times and they could not give me any information. In fact, their answers to my question were quite cryptic. I did request a lien release and they put the work order in but said I would have to call back in 2-3 weeks to find out the results. This back and forth has been going on since my first phone call to them. 

I have been attempting to refinance my property to a fixed rate and now I am held up by USAA because they refuse to release the lien. Again, when I called the bankruptcy department XX/XX/XXXX they could not give me any information except that the results of the last inquiry resulted in a refusal to release the lien. The person on the phone said she could not give me any further information because it has to be formally requested by another department. She could not even provide me with the account number. And, again, I have received no information about what is going on. 

My credit report shows that the account is closed with a XXXX  balance and no derogatory history. Yet USAA will not release the lien or give me any explanation for anything. This is 11 years after my CH XXXX. I was holding up my end of the bargain and was NEVER behind on my first or second mortgage. USAA never attempted to negotiate my term and closed my account without explanation. Again, it is not derogatory on my credit report. In fact, it shows a XXXX balance but they will not remove the lien and say I owe them money but no one can tell me anything further. 

I have no documentation besides my credit report and the proof that they were on my schedule D for CH in XXXX. As previously stated, USAA has removed all evidence of the HELOC and has not provided us with any paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX Experian reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and 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 2018-01-16
Company: SYNCHRONY FINANCIAL
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
The most recent response from Synchrony Bank mentioned an authorized user, after nearly 3 months of dealing with this situation and talking to numerous Synchrony representatives, this is the first time an authorized user has ever been mentioned. I never gave the authorized user on my account the card that was mailed to me ; the purpose was not for utilization, but solely for credit reporting. When I added the authorized user online I was not provided an option to opt out of a card being mailed, it simply asked for a name and nothing else ( not even a SSN or address ). Furthermore, I never questioned the whereabouts of the authorized user card because I was told numerous times that " my '' card was used. The latest correspondence from a Synchrony Bank specialist ( see attached ) mentioning the authorized user, prompted me to do a thorough search for the authorize user card, which I did not find. I 'm certain it was lost or stolen. At the time of the initial dispute, I was asked did I have possession of my card, I answered yes. I was never asked, and still have not been asked to this very day if the possession or whereabouts of my authorized user card could be confirmed or not. I never gave it much thought until now, and my request is for Synchrony Bank to confirm which card was utilized when the unauthorized charges were initiated. Also, during the issuance of a replacement card, I specifically requested that an authorized user card not be sent, Synchrony Bank not only sent the card anyway, they sent a total of 2 on separate occasions. When I called to address the matter, I was told nothing more than to shred the cards. 


Moreover, the specialist stated that a new claim/investigation was opened on XX/XX/17, but there was never an adjustment to my account ; therefore, not only are the credit bureaus receiving and reporting these disputed charges, I 'm being charged daily interest on them which is reflected in the billing statements and the amount due. In Synchrony Banks latest response the specialist indicated that she reached out to me to discuss the account, I feel this statement is very misleading because the voicemail left by her stated otherwise. She stated that she was letting me know she received my inquiry and although she left her contact information, she specifically stated that there was no need to call her back. According to Synchrony Bank latest response, they are alluding that the issuance of a credit card that can not be counterfeited and the use of that credit card within 50 miles of the card holders address, constitutes liability even if the charges were not authorized and fraud is suspected by the card holder.

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 2019-04-02
Company: U.S. BANCORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We leased a car in which US Bank is the lease holder on XX/XX/16. For the last two and a half years we have been trying to get a resolve to the fact that we are being charged for a personal property tax for a county we don't live in. We are being billed for two personal property taxes. We live in the County of XXXX not the City of XXXXXXXX. We have brought it to there attention and they said they have submitted 12+ claims to have it adjusted and they show we do not reside in that county. Each time we call they say it is documented and shows their error. The City of XXXX has no record of us living there or billing US Bank either. Each month when the lease bill comes it is not resolved. We have spent countless hours on the phone with them with promises of phone calls back and it being resolved to nothing. The lease is up in a few months and the car is being returned. We are not responsible for their mistake on their end and want this resolved.

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 2018-03-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have been charged {$5.00} monthly for XXXX XXXX credit life insurance without my acknowledgement. I contacted them around XX/XX/XXXX advising them of the charge and no action has been taken as of today XX/XX/XXXX. 
This was from best buy XXXX  card

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 2019-09-18
Company: EQUIFAX, INC.
State: NJ
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been trading cryptocurrencies for a few years on Coinbase and CoinbasePro. My account has been locked however since early XXXX - for some reason I can not sell or withdraw my assets which are worth about {$15000.00} ( XX/XX/XXXX ) I have opened multiple tickets to get this matter resolved with Coinbase but they just sit on it for 20 days and send a response saying issue is resolved and just close the ticket. I have opened at least 6 tickets with no resolution. 

At this point I feel they are illegally holding my money without any form of communication. I need your help in freeing up my money so I can withdraw it forever from Coinbase.

To reiterate - I have money in Coinbase and Coinbase Pro. They are both locked since early XXXX. After a month of opening tickets and reaching out to them - I have no resolution and instead they send me automated responses falsely claiming that they resolved my ticket and end up closing my tickets without any actual resolution. This is quite frustrating and to me it seems illegal. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
An online dog vendor, who claimed they were in XXXX, TX, claimed they were selling Chow Chow puppies, and used the name of XXXX XXXX, with phone number of XXXX, at email address XXXX. 
There were videos of the puppies for sale, which kind of made you suspicious to start with, but since my granddaughter was so focused on getting a dog, we went ahead with the transaction. 
I sent {$250.00} through PayPal, since they had purchase protection on the transaction, but they tried to get me to use XXXX, and I refused. 
I have alerted both my bank, where the funds have not been withdrawn as of yet, and PayPal, who had a protection program in place. 
The IP address of the perpetrator XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting repeated threatening phone calls ( legal action calls ) for another person. 
I do n't answer the calls because the number is an " unknown or no caller I d available ''. 
They leave messages telling whoever they are calling that she or her attorney needs to contact them immediately. The same person does not always call. They leave a number XXXX and an extension #. Their name is XXXX  or something like that. 
They must be calling anyone with a similar last name and phishing for the person they are calling about. In any event, their practices are unethical and disgusting. 
Please stop this activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Tuesday, XX/XX/XXXX, my mother received a call from Credit Management Company asking for myself. She then proceeded to ask them what the call was in reference to. The caller informed her that I supposedly owe some debt, the amount of the debt, and the creditor that the debt was owed to. My mother relayed this information to me and gave me the specific information. I had called Credit Management Company on XX/XX/XXXX to inquire about this debt, that I had no knowledge about, because I wanted to see if it was valid. I had informed them that they had violated FDCPA [ 15 USC 1692C ] 805 ( b ) by disclosing this information to my mother. XXXX, from Credit Management Company, had stated it could have been an automated message which disclosed this information. I informed him that this communication, regardless if it was an automated message or a person, came from Credit Management Company and still illegally disclosed this information to a third party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a purchase on XX/XX/19 at XXXX XXXX for {XXXX}. Checked my account balance at an ATM at a branch the following day XX/XX/19. I had a available balance of {XXXX} I withdrew {XXXX}. On that day I used my card at the laundry mat for {XXXX}. I knew I had to cover that {XXXX} the following day. The following day I went to the branch to deposit {XXXX} and saw that my bank account was overdrawn for the XXXX XXXX transaction, the laundry mat and an overdraft fee of {$36.00}. I asked a Teller at the branch to waive the fee and she stated the over draft was in pending status. That I had to wait for the following day until the overdraft hit my account. I was informed by the teller that I needed to contact the XXXX location branch regarding the overdraft fee. I contacted XXXX who is the XXXX XXXX at the XXXX location. He did not bother reviewing the account and stated that it was not a bank error and was not going to reverse the fees. As by this time I already accrued XXXX overdraft fees.

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 2018-01-16
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:
Hello! 
I am a Delta Skymiles member and I received a letter from American Express offering me a Delta Gold American Express card. The offer was if I spent {$1000.00} in the first 3 months I would receive XXXX Skymiles as a bonus. I was specifically targeted for this offer. I applied and was approved and received the card. I spent the required {$1000.00} within 2 weeks. I have been monitoring my Delta account to see when I was going to receive my bonus miles but the bill closed on XX/XX/XXXX and I still did n't get any bonus miles. So today I " chatted '' on line with an XXXX rep who said that I was not entitled to the bonus miles because I have had this same credit card sometime in the past. If that is true then why did American Express specifically target me for this offer? They absolutely know that I had this particular card sometime in the past. If I am not eligible for the bonus points then I should NOT be offered them as a bonus for signing up for this card. It 's false advertising. American Express said there is nothing that they can do for me so that 's why I 'm contacting you. It 's bait and switch. Thanks for your help in this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: AES/PHEAA
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: Account status incorrect

Complaint:
My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with XXXX and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Coinbase, Inc.
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 have made an account with Coinbase and purchased some Bitcoin. This occurred over 2 months ago. From the day I purchased it, Bitcoin have locked me out of my account preventing me from accessing my money. I have contacted the company and they closed my case after 1 month saying that theyve resolved the issue when in fact they have not.

Company response to consumer: Closed with monetary relief