BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US Bank charged an Analysis Service Charge in my business checking account with them without any reason. 
I called an spoke with a very rude Manager, her name is XXXX XXXX ( Customer Service Manager ) I asked information but she refused to provide information because she said that she can only have access to a personal checking account, not true because I called before to the same customer service and they assisted me with my business account issues. 
Next day in the morning I called and spoke with an agent in the business customer service depto, he said that fee was charged by error in my account and he would request for a refund. 
I waited 2 days with my account overdraft and the fee was not refunded, I am not able to call the business depto because they working hours matches with my working hours and when I finish my work they are close, so the day that I had to call them, I called off to my work losing profit because the issue that US Bank caused me. 
After waiting 2 days for the refund I called Us bank again and the same lady XXXX XXXX came to the line more rude than the first time and I just was looking for answers of why I was lied before about the fee refund. 
I lost money not working because this issue and still not resolved. So probablyI will have to call off tomorrow against just to call Us Bank to see what is going on with that Analysis Fee which is not included in the fees description at the time of my account was open.

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 2020-11-20
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been using Coinbase since XX/XX/2017 and two weeks ago, I got an email that they will no longer allow me to be their customer. They did not want to give me any reason or explanation why they are closing my account and the email just stated that I violated their rules. I was advised by Coinbase to log into my account and withdraw my funds as the process of closing my account has started. After I had withdrawn most of my funds in my account, soon, I realized that I am missing USD XXXX currency and also missing another currency which I had purchased in their site. My USD currency was somewhere around XXXX XXXX something dollars and my other cryptocurrency were exactly XXXX XXXX XXXX tokens. I write an email to Coinbase that I am missing some funds from my account which I don't see and I therefore I cant withdraw them and I would like to get my funds before they close my account. They have replied to me four times now and every email I get from Coinbase customer support is basically repeating the same thing that I have to login to my account and withdraw my funds. I have send emails with screenshots and have explained numerous times that what they are advising me is not possible, because my funds are not shown in my account therefore there is no way for me to withdraw my funds. The way they have edited my account is I can only withdraw my funds now since the account is pending closure, but my USD and XXXX funds are missing and I can't withdraw them. All of my other funds were there and were successfully withdrawn, but the missing funds are still with Coinbase and it seems they are not doing anything to provide me with information or support on how to get my funds available so I can withdraw them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX has placed a collection on my credit profiles claiming that I owe {$180.00} to XXXX. I've never had an account with XXXX before.

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 2021-01-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
How can XXXX deny my application for approval due to Fraud alert?

I thought Fraud alert meant you had your identity stolen .And nothing to do with getting credit approval. They are not following the law. Secondly they did not call me to see if it was me or an imposter. Again, not following the law. These people not obeying the law.

And Equifax has not corrected any of my credit report.

I dispute my credit report with XXXX and they haven't correct. So Equifax is still using incorrect information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: AES/PHEAA
State: DC
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:
XXXX XXXX, 2017 To Whom It May Concern, This past XX/XX/XXXX/XX/XX/XXXX, I filled out Public Service Loan Forgiveness Employment Certification Forms for my former employees - present employer. In total, I submitted five forms : 1. Employer # 1 ; 2. Employer # 2 ; 3. Employer # 3 ; 4. Employer # 4 ; and 5. Employer # 5 ( current employer ) 4 out of the five forms were certified, however, the Employer # 2 employment certification was not due to a discrepancy regarding my start date. I have since corrected the Employer # 2 employment certification form and resubmitted it to Fed Loan Servicing, using their online submission form, four times already. However, each time I 've resubmitted the form, the certification has been denied, leading me to call Fed Loan Servicing multiple times to clarify my start date ( which is explicitly stated on my form ). Each time, I 've had to go through my entire employment history for the four other forms that have already been certified, and during each call, the Fed Loan Servicing representative takes a few notes stating that they will " look into the issue. '' Moreover, my employer has even called Fed Loan Servicing direclty providing them with the correct start and end dates of my employment. Yesterday, I spoke to a Fed Loan Servicing representative to explain the situation again. I expressed my frustration as I went through my employment history, and as the representative listened even, she expressed confusion and frustration as to why the Employer # 2 employment certification form was not yet certified because based on her analysis, there were no discrepancies in any of my employment forms ( e.g., start dates ). Despite this, she gave the same response I 've received from them every time I 've called, " we 'll look into this. '' I do n't know what else to do at this point because I 've resubmitted and trying to get the Employer # 2 employment certification form certified four times now. As such, I hope you can help resolve this issue for me.
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Just got a copy of my credit report, and I discovered an account that are not mine. That I've become a victim of identity theft shocks me. I've been upset by this because I'm trying to get my family a house. As soon as you can, please delete this fraudulent account from my credit report.

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 2018-03-01
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:
A few months ago I found out that there had been three hard inquiries added to my credit file. I didn't recognize the companies nor had I authorized them to run my credit. I mailed a letter to Transunion over 30 days ago and have not heard back from them. These are the three companies involved that Transunion shows have reported hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2020-07-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I opened an account with my wife, I gave Chase a {$16000.00} check and they had removed my funds on XX/XX/XXXX. On XX/XX/XXXX they had locked me out of my on-line account. When I inquired they stated they closed my account, no reason given. When I asked for my money back they stated they could not give it to me, that it would be mailed to me, which could take over a week. In the days of COVID money short how can they hold {$16000.00} of someone's money. It took them 1 day to get my money and 2 ( whenever ) weeks to return it. I have no reason why they will not accept my account nor any reason why I can not get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XX/XX/XXXX, I received alerts from my current credit card regarding a hard inquiry and a change of address from Bank of America done on XX/XX/XXXX. The address reported does not belong to me nor I applied for a credit card on this date. I reported this incident to XXXX and Bank of America on XX/XX/XXXX and XX/XX/XXXX. However, on XXXX I received an alert again regarding a different inquiry done on this day. I did not apply for a credit card on this date either.

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 2020-05-22
Company: TRUIST FINANCIAL CORPORATION
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:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to REGIONAL ACCEPTANCE CORP to get the inquire removed but, they haven't resolved the 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 2019-08-20
Company: Experian Information Solutions 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:
The Credit Bureaus are reporting erroneous information on my credit file and i've been disputing the information for months.

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 2017-08-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Equifax Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting. The new laws installed XXXX XXXX, 2017 XXXX new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I have the problem with the bankruptcy criteria that has not been met with reporting it to Equifax. Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Equifax. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping. This is my second complaint. Equifax responded to my first complaint with an untrue statement, ( Company responded there is an unauthorized third party ). They use the statement as a stalling  device. During my disputes prior, they have sent me the same letter with this untrue statement. Every dispute or complaint I have submitted has my personal detail correctly documented on each form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/2018 you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.

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 2018-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit acceptance is showing on my credit reports. The statue of limitations to collect the debt have expired. Needs to be removed from ALL credit bureas

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 2017-08-09
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I wanted to send {$4000.00} to a grandaughter via paypal. I made a mistake, leaving out the XXXX in the address ; the money was sent instead to another person.. I contacted this person via email, and got no response from him. I then contacted paypal to file a complaint, who ruled in favor of the recipient. I believe pay pal also handles business accounts, in which larger amounts of money are transferred, in which there is a delay is made, allowing for correction of mistakes. I again contacted pay pal, which did nothing. I would greatly appreciate any help you can give me in this matter. I realize that the mistake was mine, but surely you can appreciate that {$4000.00} is an awful lot of money for an XXXX year old widow to throw away!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20
Company: Incomm Holdings Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On Thursday XX/XX/2020 at XXXX me and my freind XXXX XXXX both of XXXX  exchanged XXXX a piece In cash for two online ordered gift cards. Truth is we were scamed. We went to XXXX in early XXXX and there cash registers declined a purchase and the said with card wasn't activated or was invalid. We called my vanilla card customer services and they started a ticket in both both there getting errors and invalid on both cards we contacted ecpd In XXXX XXXX wi. There on there way to assist us in getting the cash back I'd it's not spent already. Wanted cfpd to be aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: TN
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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : 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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 for months to get multiple inquiries removed from my report that happen on the same day from numerous car credit companies that I did not approve and I haven't heard anything back from 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 2019-11-01
Company: CITIBANK, N.A.
State: VA
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:
XX/XX/XXXX Citi card avises by email of attempts to log into account. 

Email directs cardholder to follow link to reset password. 

Followed link and after 3 screens asked to call Citi by phone. 

Called and 3 different offices could not issue the verification code.

We have the screen shots recorded and will attach the file if your web process allows us to. 

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 2019-08-20
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to sell my home through a short sale. PHH is my loan servicer. I have submitted all the required short sale documents - PHH has a horrible overseas call center staffed by individuals who cannot speak clear english and cannot answer my direct questions pertaining to my short sale request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS Associates have added a collections notice to my credit report in the amount of {$1000.00} for XXXX. They state that I had this product in Alabama and I have never lived in Alabama nor I have I ever stepped foot in Alabama. I have sent them several letters stating this that I can prove that I have lived at my current address for 27 years in XXXX XXXX, PA. I have never received billing for XXXX! This is an identity theft issue and I want this resolved asap as it's affected my credit score I've worked hard to build. I gave them a week 2 times to get it off my credit report with no avail! I've been in contact with a lawyer. MRS Associates has yet to send me any paper work regarding this issue! Please help me!!! All billing at my current address is in my husband 's name and our cable/internet provider has been XXXX XXXX. Never even heard of XXXX! XXXX can't close the dispute because MRS said it's valid but they won't prove anything that it's my debt! I refuse to pay for something that I never had! Can you please help me get this off my credit report? I would appreciate any help you can give me! Thank you XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: Platinum Holdings Group, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Was contacted by premium asset services posing as XXXX XXXX law office from the phone # XXXX. Threatened to file with city clerk if I did not pay and provide bank account, or debit card # 's. Would not provide any verification that I owed the debt.

Company response to consumer: Closed with explanation