BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-06
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We were looking for ticket for an upcoming concert and found a post on XXXX that offered two tickets. We reached out to the seller and negotiated a price of {$75.00} for 2 tickets. The seller then said they had a 3rd ticket they also need to get rid of and we negotiated a third ticket for {$50.00}. Two transactions were process using my Visa Debit card through a service offered by XXXX called XXXX XXXX. Both transactions were on XX/XX/19. 
The first transaction was for {$150.00} and the second transaction was for {$50.00}. A few hours later when I had not yet received my tickets, I reached out to the seller who claimed my payment did not go through. When they were insistent that I send them another {$200.00}, I was starting to sense something fraudulent was occurring. I refused to send the transaction again and sent the seller a confirmation from the first transaction. After my third attempt to contact the seller via XXXX, they blocked me from further communication. I then ( same day ) reached out to XXXX. XXXX   informed me that the transaction could not be canceled and to reach out to my issuing bank, U.S. Bank. I filed a dispute with U.S. Bank and was initially provided with provisional credit. However, after investigation, U.S. Bank debit my account for the full {$200.00} siting that the merchant ( XXXX ) had performed their required service of transferring the money to the seller and did not have any responsibility for the fact that I never received the tickets. U.S. Bank is saying this is also not their liability because although I used my Visa card for the zero liability protection provided by Visa, this particular type of transaction is a money transfer transaction and according to U.S. Bank, is not protected under Visa 's zero liability policy. U.S. Bank is also stating that while consumers are protected by the Fair Credit Billing Act, this particular type of transaction through XXXX  is not covered by that protection as XXXX was acting as a money transmitter, not as a merchant performing a merchant function. In researching and reading through the Fair Credit Billing Act, I disagree with U.S. Bank 's position that this type of transaction is exempt. I was not sending money to a third party, I was purchasing tickets. This was not a cash advance, this was processed on my Visa card like a standard merchant transaction and I expect to receive the protections covered like any other purchase of goods or services.

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 2021-01-22
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
We received letters dated XX/XX/2020 from GM Financial on XX/XX/2020 indicating that our application for credit was declined. I have attached these letters. I have requested the reasons and backup documentation for this declination five times, beginning with the first letter to them on XX/XX/2020. The last request was in a formal complaint to them on XX/XX/2020. The five contacts I have made attempting to get the required information from GM Financial are outlined in the XX/XX/2020 complaint. I have attached the verbiage of this online complaint. 

I have also attached the postal evidence that GM Financial received my two mailed, hard-copy requests. In addition to these three contacts with GM Financial regarding this matter, I also outlined the problem in a customer service feedback form to them online and spoke with a customer service representative over the phone ( who told me he could give me no further information ). 

In spite of GM Financial 's requirement to provide this information under the FCRA, all five of my requests have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Good day, Today, XX/XX/2019, US based virtual currency exchange XXXX announced it was proceeding to an haircut of 16.202 % on the balance of the Bitcoin liquidity providers on its platform. This is due apparently to margins cascade failure that happened on XX/XX/2019 : https : XXXX I had XXXX bitcoins on the XXXX exchange for providing loans and now I only have XXXX bitcoins left after what XXXX seized to cover their losses. This represents a loss of {$12000.00} for me. 

The problem is I had 0 bitcoins on their platform the day of the margin event ( XX/XX/XXXX ) as I deposited my funds only on XX/XX/XXXX. So I suffer an haircut for a date when I even wasn't a liquidity provider. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem getting your free annual credit report

Complaint:
This is in response to reply given by TransUnion for complaint number XXXX. I am hereby logging the complaint again as directed along with asked proofs. I will like to clarify that I do NOT have US passport as I was always XXXX citizen in USA and now as well. I can submit an expired copy of US permanent resident card or current XXXX passport. Kindly advise to get my US credit report at my XXXX address. I am hereby submitting XXXX government issued identification XXXX address proof as well bank statement for address proof as directed as two proofs from the prescribed list by TransUnion. I look forward to my credit report at the earliest.

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 2019-05-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA closed my limitless credit card, a discontinued product, for unwilling to pay out rewards that I've earned on the account. There has been no activities on the account that warrants such closure other than the fact that I've accumulated rewards and they don't want to pay out. When contacted by phone and chat, USAA agents simply claimed they don't know why the account was closed it just was, perfect excuse to not pay out rewards due. If they want to discontinue an unprofitable product I am fine with USAA switching my credit card to another product, but not outright close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CRV violation. fraudulent accounts or charge appear on my credit.

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 2019-06-06
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
Im going to sum it up quickly I was a former employee of the XXXX XXXX   I got terminated XX/XX/XXXX The XXXX headquarter location continued to pay my medical insurance benefits up until XX/XX/XXXX and now wants payment of the bill they paid so I do not agree with this bill so they sent it to the collection U S Treasury and then U S treasury sent it to Transworld System Inc I have sent dispute to both collection agency and nothing is getting done I am just being passed of back and fourth from both agencies. I am in the process of buying a home and its at a stand still because both collections agencies fail to do anything not to mention I sent in supporting documents and request several disputes. Please I am just asking that this 7 account get removed from my credit bureaus because i will be homeless as of XX/XX/XXXX Please thank you for helping in this matter I have supporting documents to go along with my claim. I am submitting termination letter from employee, invoice of description with dates of payments. bills from both collection agency U S treasury and Trans World system

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my report for the first time in years I noticed multiple accounts that I did not open or have knowledge of. I called in to the credit bureaus for help and was told to file a report and submit it with the proper identification to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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:
American Express closed my Blue Cash credit card, which had over {$2500.00} in rewards in the account. The did not allow me to claim my rewards as cash back, as I should have been entitled to do. In effect, Amex stole my cash back rewards. I filed a prior complaint about this - which also included a complaint about other Amex cards as well - Amex replied to my other complaint but completely ignored my complaint about the Blue Cash credit card. They are a bunch of thieves and fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used Bank of America 's billpay service to pay a {$3000.00} bill. They mailed the check to the recipient, and it was deposited on XX/XX/2020. 

Apparently the check was intercepted and deposited to someone else 's account. Because we have the canceled check, we have full information about the fraudulent depositor. 

I filed a complaint on XX/XX/2020 but there has been no activity and no resolution. It is now three months later and nothing has happened. We are out the {$3000.00}. 

There is no reason this can not be resolved immediately ; we have the depositor 's information, it should be a simple matter to contact the depositor 's bank and cancel the check.

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 2019-06-06
Company: Resurgent Capital Services L.P.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I emailed XXXX XXXX on XX/XX/2019 and stated in the email that the charge off they have on my account was a fraudulently obtained card that I never applied for. The charge off has now been sent to LVNV Funding, LLC whose now reporting negatively on my credit report which is hindering me from obtaining certain loans. The account is a XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
Equifax erroneously put a derogatory account on my credit report on XXXX XXXX ... called XXXX XXXX ... I have been complaining to Equifax that XXXX XXXX is disclaiming the derogatory account. I am enclosing my communication to the Equifax CEO who is completely ignoring my request, and I am enclosing XXXX XXXX to the Consumer Finance Protection Bureau. XXXX is clearly disputing that they are responsible, so that derogatory account should be removed from my Equifax immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : 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.The following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I received a CP2000 from IRS on XX/XX/XXXX for an error on my XXXX tax return because of a mysterious debt cancelation that occurred in XXXX. This is the first time I became aware that I was a victim of identity theft and fraud on XX/XX/XXXX with my social security number being used along with an old address I occupied 16 years ago to open some sort of online bank account with US Bank NA, XXXX XXXX XXXX  XXXX. XXXX XXXX, MN XXXX. The perpetrator unlawfully received {$10000.00}. US Bank says it was some sort of debit card and bad deposit transaction. Since a 1099C has been filed with the IRS, the IRS now looks to me for the " unclaimed income '' and is charging me with a {$2300.00} invoice. 

I have officially filed a police report with my local department and have an open case with USBank. 

.

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 2023-02-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I opened a Citibank checking account on or around XX/XX/23 making my first deposit of {$24000.00} on XX/XX/23 to account # XXXX. I've also just moved from XXXX XXXX XXXX XXXX XXXX here in the past week or two deciding to split from my very abusive husband abruptly. I called the bank to activate my card once it finally arrived to my new address through expedited shipping and everything went successful so I was told. I tried to use it that night for dinner and it's declined then I try to use it again at ATM that same night thinking there should have been a mistake somewhere or could have been and will behold it's declined. I called the bank and they tell me I have to call central time because their system was updating and they had no access to the account information. I called it XXXX XXXX and told them what happened the representative assured me everything is okay now and the card was successfully unblocked and ready to use. That same afternoon I tried to attempt to make a purchase at XXXX and again the card is declined. Once I call the bank I am escalated to the fraud department and the representative told me that my account was going to be blocked until further notice because my phone number was not verified or registered. She then hung up on me and did not offer any further clarification or details as to what she had mentioned being the reason for this block. Again this is the same phone number that I used when I opens the account nothing had changed. After more calls to more Representatives and given the same answer I'm at my breaking point and forcing an EVICTION and discovery by my abusive husband since I tried everything possible to make my phone number public data for Citibank. I even went as far as purchasing a prepaid XXXX and going online and registering the phone to my name. This is putting me at tremendous risk and I can not further risk my safety just to get my account unlocked because my life and safety are at Great risk. I have successfully complied and given every security answer with a green light to every inquiry they have asked to verify my identity but at this point I don't know what the f*** they're asking anymore this whole phone number verification stupid registration thing is absolutely Bonkers and I feel like they are unjustly holding my funds from me and this is not right nor can it or should it be legal. It is my choice as an American to have any phone number I'd choose or Carrier or non-carrier if I want to prepaid service I should be able to have that prepaid service especially if the phone number is the same phone number I used when opening the account. This is my formal complaint regarding Citibank and they're fraudulent ways of holding my funds and freezing my account for no reason whatsoever.

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 2019-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Bank American credit card. I had a balance of {$420.00} I made a payment of {$42000.00} I do not know how I use Bill pay from my bank. The same day I made that big payment I do not how. I payed the {$420.00} payment which shows I did not know I had made that big payment. They got that payment on XX/XX/XXXX. I noticed my check account was wiped out on XX/XX/XXXX seen it went to Bank American. I called them and after 45 minutes phone call I got that it would be refunded to my check account. I called almost every day from then on. I have been told it would be in my bank account 3-5 days then I was told 10 days, then I was told 30 days. 2 weeks ago it finally left my credit card and the {$42000.00} had left my credit card account ( this account it closed now XXXX I also recieved a letter from Bank American on XX/XX/XXXX that that money is being transferred back to my checking account. It never did. So I called again Now all phone calls I have waited 35 to 60 minutes to talk to anyone then I start over with the story and they find someone who is to know something coming back to me with another date the money will be in my account. I have asked over and over what is the number of the account you sent it to and no one can tell me. I was promised last Wed XX/XX/XXXX and I was promised that it takes 10 working days to refund that money and it would be in my account on XX/XX/XXXX. It is XX/XX/XXXX and I still do not have the {$42000.00}. I can not pay my health insurance, life insurance, utility bills, car insurance nothing. They have all my money. And no one can tell me where it is. They have had my {$42000.00} for 26 days. I had a bill of {$420.00} with a credit card limit of {$25000.00} I do not know how the credit card alarms didn't go off with me paying that much. I get an text and they won't let a transaction to gothrough if I make a {$25.00} payment over the state line. I do not know what to do I am beginning to think there is some scam going on with my money Please help me this could ruin my perfect credit rating and I can not live with out my money. XXXX XXXX XXXX the last 4 digits of my credit card that is closed that this money was in is 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 monetary relief
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: NJ
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:
Hello, I received a copy of Equifax report # XXXX I noticed inquiries on my report past the two year date. XXXX XXXX XX/XX/2017 & XXXX/XXXX the rep claimed she does not see it. So I am filing a complaint to have this invalid data removed.

Company response to consumer: Closed with explanation