BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I attempted to withdraw a bit over {$40000.00} from Gemini via wire transfer on XX/XX/XXXX with the expectation that my money would be available immediately or at least within 1 business day. By XX/XX/XXXX it was clear something was wrong as the transfer was showing as " complete '' on the Gemini website but no funds were transferred to my bank account. When I attempted to contact Gemini customer service they stated merely that my transfer was complete and provided no further information. I requested more information including when I might expect to receive the funds, information about the wire transfer such as the federal wire transfer reference number, and received no reply from Gemini customer support. They have no phone number or real time customer service and have not given me any indication for how long I should expect this to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: WELLS FARGO & COMPANY
State: WI
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:
On XX/XX/2021, My credit card was closed by Wells Fargo Bank, the bank do not indicate any reason. And the reward account link to that card goes to XX/XX/XXXXafter closing, there is no way to redeem all the rewards.

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 2021-08-17
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank messed up my escrow account very badly as i have massive escrow shortage when i shouldn't as there was an escrow account established when i closed in XXXX on the house. Now 6 months later I am being told I am massively short. Funds they can't find either to fix my account.

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 2022-01-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an Old Navy card that was closed by synchrony Bank for no reason they claimed that they had unauthorized charges and fraudulent activity in the XXXX XXXX sent them the information but I find it so weird that I pay my bill every month on time I was never contacted about any fraudulent activity they said has been going on for months Ive been paying my bill every month this happened on XX/XX/2021 The company stated that this event was taken place ever since I open the account back in XXXX I have not since heard anything from Synchrony Bank Im in the process of seeking a litigation against them because this is totally fraudulent for a company to do

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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent a cell phone my address in a name similar to mine, but not mine. I did not order this phone. I took the phone to their corporate office in XXXX, Oregon. They would not accept. They insisted I file a police report. I tried to file report but police said I had no loss and couldnt file a report. XXXX was informed of this but would not take phone. Instead they hacked my credit report and listed {$1300.00} past due amount going to collections. I am not sure how they got my correct name, but it is different than the one on their account. They changed the name to match mine. I still have the unopened phone but can not get anyone at XXXX to fix this. They will not respond to my inquires. I did not order this phone. I have signed no contracts and never have done business with 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 2022-04-26
Company: TRUIST FINANCIAL CORPORATION
State: OH
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, after having numerous technical problems with the website to apply for a credit card, I decided to travel hours from my home to a Truist branch in XXXX OH to apply for a credit card in person. 

Since the beginning I was always interested in the Truist Enjoy Travel card for my travel purposes. I attended the branch in XX/XX/2022, and due to a problem with the computer system, my application went to card Enjoy Cash XXXX card instead Enjoy Travel. 

The Banker XXXX XXXX at the XXXX branch said he would sort this out with the Backoffice in a few days, but today he's on vacation, and I've called several times to no sucess. 

I have been approved for the Truist Enjoy Cash card. However, I ask that the product be changed, as I am interested in the Enjoy Travel card. The branch promised to resolve and exchange the product in 1 day, without sucess. 

All I request is that the product I was pre-qualified for, be changed to the Enjoy Travel card. 
I have called the branch at XXXX XXXX XXXX and the XXXX numbers, but the waiting time is more than 4 hours. 

Sincerely, 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 2022-03-21
Company: Capio Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I was hospitalized. On XX/XX/XXXX I received a collection notice from Capio Partners ( collection agency ) notifying me that I had an outstanding balance of {$1800.00} from XXXX XXXX XXXX. Please note : I never received a bill and the charges were never submitted to my insurance company XXXX XXXX. This bill is now showing up on my credit report and I am getting the run around from XXXX XXXX XXXX ( XXXX ). I've spoken with my insurance company and it is XXXX 's responsibility to submit the claim. XXXX told me I had to deal directly with the collection agency who told me I had to contact my insurance company. Because the claim was never submitted the insurance company can not process a claim. I no longer have this insurance and because XXXX did not submit the claim back in XXXX it is likely that XXXX will deny anything submitted now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have ready posted several documents of proof to CFPB for help. On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX XXXX sent notice of illegal default and demanded payment or they would push my account to foreclosure. I was illegally and without proof, extorted to pay all monies on said documented dates to bring my account current ... ... .. AND I DID. 
In response to the payment in full my account WAS NOT brought current but sold to Select Portfolio Servicing Inc. and NOW they are demanding the same amount stating I never became current. I even read a notice from Select Portfolio Servicing Inc., that mentioned dollar amounts BEFORE I paid the total amount to become current. On the one hand Select Portfolio Servicing is saying that they have nothing to do with the amounts owed to XXXX but on the other they are demanding those same and more dollar amounts. 
This is an illegal act of loan sharking. 
I have legal documented proof of the " cure '' notice and entire payment of said harassing " cure '' to XXXX paying off all pass threatening balances ; and at the same time proving that NOW Select Portfolio Servicing Inc. is the using the same harnessing and bullying tactics to push me again into the same intentional scamming default. 
I am now receiving notices at my private home pushed into my mailbox. 
I have made payments at the end of XX/XX/XXXX ... .accepted by XX/XX/XXXX, then again a second payment at the end of XX/XX/XXXX, a payment at the end of XX/XX/XXXX, and a payment at the end of XX/XX/XXXX. 
These payments have ALL been documented and made AFTER the payment in TOTAL of the threatening default " cure '' notice paid at the end of XX/XX/XXXX. 
1 - HOW DO I STILL OWE 2 MONTHS OF PAYMENTS and 2 - WHY IS SELECT PORTFOLIO USING THE SAME HARASSING TACTICS? 
Note : I am submitting another complaint form so that I can resubmit said documents previously submitted to CFPB with the same details as the above letter Very Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a complaint via this system in the summer. Transunion was supposed to be looking into the issue ( their previous reply is attached to the complaint from XXXX ). The inquires are still there. There is inaccurate information reporting on my account. I have been a victim of identity theft multiple times. Most recently a fraudulent credit repair service used my information to gain credit and created inquires.

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 2019-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX XXXXXXXX this advertisement states that one person redeemed {$110000.00} in cash back in one year at 2 % cash back. that would mean she spent close to XXXX XXXX dollars and ad a spending limit of close to {$500000.00}. 

this is weird and blatantly false

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We have sent three letters asking to verify the account and the contractual agreement I have with XXXX XXXX and I all received was a letter stated it has been confirmed I owe this debt. They have failed to provide me with a copy of any viable evidence bearing my signature, showing that I owe XXXX this debt.

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 2017-09-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.

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 2021-06-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had XXXX in XX/XX/2020 through XX/XX/2020. I was XXXX and on a XXXX fighting for my life. I am a XXXX veteran who hit hard times due to the pandemic and my wife and I have reached out to XXXX XXXX when I was not able to make payments and under the Care Act creditors were not suppose to report bad marks to credit agencies if the customer was having trouble due to COVID. In fact my wife and I both had XXXX.XXXX XXXX still reported back marks. We are homeless are trying to get a new home but because of the bad marks we are not able to get the home. The late payments start XXXX and is reported through XX/XX/2020.. during thus time I was extremely sick. Please help me get those late fees removed from my credited report. Please we really need a home.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my rights. 

15 U.S.C 1681Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sections 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX have tried the last two years not to provide me this transactions statement of my SSA benefits and avoiding to be forthcoming about the identity theft issue just lying before the regulatory agencies like XXXX XXXX XXXX. Because of my complaints they finally started to send the statements and always telling me everything is correct on the statements are another lie. 

They should be fined and penalized by the CFPB. 

Upon my review of my 1099 social security benefits statement for XXXX it says benefits paid XXXX are XXXX it says repaid none. It says paid by check or XXXX XXXX XXXX it says includes XXXX for XXXX. 

On the statements you have mailed me and employees at XXXX XXXX swear up and down that everything is correct it says but the statement from XXXX XXXX XXXX, XXXX says from XXXX thru XX/XX/XXXX you paid me debit and credit XXXX, XXXX PLEASE EXPLAIN THE SHORTAGE TO THE CFPB IN WRITING.

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 2019-10-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
From looking at my credit from XXXX, I clicked on what I needed to fix on XXXX. I realized I had a huge problem when I went to the XXXX XXXX   website and could not identify myself. I am asked 5 security questions only I would know the answers to ( same questions that were asked online off their website, and on the phone when I tried to get through customer service ). XXXX   automated system asked me of like, " In 2014 (? ) you have made a car loan. Where was the location? XXXX, TX, etc. '' I have never made a car loan, student loan, or even had a credit card under my name. I chose the answer " none of the above '' on all 5, because every question was something I did not know the answer to. I was told they were not able to identify me. 
Please help me what I can do from here. I have already filed a complaint to FTC. I wish to file a report to the police department, but I do not have evidence of places I never applied a loan to because I can not get into XXXX. 
I am XXXX yrs old, a single mother, and this is the first time I'm ever going through this in my life so I have no idea what the next step is, or what is exactly going on.

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 2022-04-26
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX have tried the last two years not to provide me this transactions statement of my SSA benefits and avoiding to be forthcoming about the identity theft issue just lying before the regulatory agencies like 90 going north. Because of my complaints they finally started to send the statements and always telling me everything is correct on the statements are another lie.

They should be fined and penalized by the CFPB.

Upon my review of my 1099 social security benefits statement for XXXX it says benefits paid XXXX are XXXX it says repaid none. It says paid by check or XXXX XXXX XXXX it says includes XXXX for XXXX. 

On the statements you have mailed me and employees at XXXX XXXX swear up and down that everything is correct it says but the statement from XXXX XXXX XXXX, XXXX says from XXXX thru XX/XX/XXXX you paid me debit and credit XXXX, XXXX PLEASE EXPLAIN THE SHORTAGE TO THE CFPB IN WRITING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: LA
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:
THE BALANCE ON MY XXXX XXXXXXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXXXXXX CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXX/ TOTAL VISA CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Colony Brands, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
all colony brands tradelines and cards are in collusion with XXXX XXXX AND FACE A CLASS ACTION LAWSUIT FOR FAILING TO UNSUPPRESS OUR CREDIT FILES AND TO RE-INSERT OR DELTE FILES SINCE XX/XX/2015

Company response to consumer: Closed with explanation