BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX XXXX XXXX XXXX XXXX XXXX are currently double reporting on the same debt. Not only are they double reporting, XXXX XXXX XXXX, is also included in my Bankruptcy discharged docket # XXXX. This is in clear violation of the Bankruptcy Law Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: FISERV INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XXXX has submitted items for the same transactions over and over, causing overdrafts as well as bank fees. In addition, Telecheck, ( TRS services XXXX XXXX process for bank transactions ) has assessed 5 @ {$30.00} each time. At the present time, TRS has presented these same 5 {$30.00} four times. Each time XXXX has assessed OD fees and returned the item. 
It is usual for a second representment of the same item, however, more than two times is abusive as well as a violation of the banking regulations. XXXX XXXX, TRS as well as XXXX bank are in violation by allowing these transactions to continue endlessly. It is a process to generate additional fees for the financial institutions. 
Adding to this, TRS, as sent me invoices charging not only the amount of the item but an additional fee of {$30.00}. The items {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$50.00} Ref XXXX In addition, there are extra fees of {$30.00} added to the above amounts. And 5 x {$30.00} has been deducted from my account. 
TRS threatens to disallowed any activity regarding financial institutions, i.e. opening accts, check denial etc. 
As well, transactions which were processed as an XXXX were changed to a check as a means to process the items a second, third and fourth time.

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 2020-08-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase claims to have a Send feature which allows consumers to send crypto funds as one would normally expect to another wallet, our own or someone else 's as a means of making payments. That button is missing from the Dashboard where they claim it should be. 

Coinbase support is not reachable by phone and worse attempting to navigate their phone tree ( or " tree '' there's one option - reporting an account breach ) - causes Coinbase to lock your account and keep your funds. I currently have {$1600.00} worth of crypto, {$1300.00} of which is XXXX, that they are not allowing me to send. 

Email support is worse than useless, they cut & paste claims that the button is there & I should refresh the browser. I have tried multiple browsers on XXXX & XXXX ; no such button exists. Coinbase is forcing consumers to sell assets through them with their fees in any hope of withdrawing funds. This has to be illegal, they are withholding an advertised send feature & gaming everything else to hold funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: TN
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:
Payments are showing as late from the period when I was in school - this account has also been paid in full years ago but for some reason is showing as late while I was attending school.

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 2019-08-27
Company: DISCOVER BANK
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: Other problem

Complaint:
My Discover credit card has been a dormant account for years. However starting XX/XX/XXXX there were two {$4.00} charges for a magazine subscription. The autopay options was on, and payment method linked was a checking account, which has been closed. Since the checking account that supposed to pay the balance was closed. The bill of {$4.00} was not paid. 

However, DiscoverCard didn't send me any notification or alerts, which indicating the bill was not paid, account information expired or what so ever. 

On XX/XX/XXXX, DiscoverCard sent the first email saying two payments have been missed. This is the first time I have realized that the bill was not paid, which has been almost three months after Discover firstly identified the payment was not successful. 

By calling DIscoverCard to update my payment information, I have learnt the two missed payments have been reported by Discover to credit bureaus as late payment. 

I hereby demand DiscoverCard to reverse their late payment reports to credit bureaus, since there was no formal notifications or alerts from DiscoverCard prior to its report to credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: Colony Brands, Inc.
State: KY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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:
Reached out to the three credit bureaus about an inaccurate collection item on my credit report and they are saying that the debt is verified as accurate, which it is not I told them that I received a one page lease that shows 1 of 8 pages and I only received page one. On the one page it does not say anything about a broken lease fee, I asked the agencies how did they certify the debt and got no response, I havent received a billing ledger for the collection agency and it says I sent a notice that I wanted to end the lease which is not attached. They are reporting information that is not accurate and unverified, you cant add something to my credit report without a full lease, full payment history, and proof of this debt. Please review the documents Im submitting and please tell me where it even states if a lease is broken there is a fee, therefore this is not acceptable and irresponsible reporting this.

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 2018-05-01
Company: AES/PHEAA
State: TN
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 have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXX when I was in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX original creditor XXXX XXXX XXXX - is reporting incorrectly to XXXX  and Transunion a collection/chargeoff in the amount of {$930.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I do not now, nor have I in the past, ever had an account with XXXX XXXX XXXX This account is fraudulent and does not belong to me. XXXX  and Transunion are also failing to investigate numerous letters I have sent requesting a review into the validity of this account. They are also reporting this item as not in dispute when in fact this item is in dispute. This language needs to be reflected on my credit report. This false reporting of an item that does not belong to me as well as not reporting this account as in dispute is seriously harming my credit score. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This line item needs to be completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.

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 2018-04-08
Company: SYNCHRONY FINANCIAL
State: CA
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:
I dont underestand why synchrony bank closed my card for purchase and my minimum monthly is increased this bank is a XXXX  bank I ever work with today I wanted to pay off the account and I noticed all these problems I asked for a refund do to a unauthrorzed charges and nothing happened just my account is closed for purchase very odd

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 2018-09-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
{$430.00} of payments missing and {$1100.00} of deposits listed as payments in transactions downloaded to accounting software? Told it would be resolved on XX/XX/XXXX. Called on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. Emailed on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. 

They are charging monthly fee but this problem has persisted for 2+ weeks

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 2019-08-27
Company: ERC
State: AL
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:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/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 2021-02-22
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XX/XX/2021, I've contacted Bank of West at XXXX regarding " Lien Release '' charge SB2 for {$75.00}, they gave me order number " XXXX '', then XX/XX/2021, I've contacted them again, talked to their supervisor Mr. XXXX XXXX, and he asked me to send the documents with fax to XXXX, I did that on XX/XX/2021 and follow up with them onXX/XX/2021, but unable to talked to Mr. XXXX XXXX, then I called again onXX/XX/2021, this time I've talked to XXXX, she said their company has denied my request since I have to deal with the XXXX County and ask them to get the refund. As I have explained to them several times : The Bank of West has failed to mention to XXXX County that this is an " Owner Occupied Property '' and should be exempted from SB2 charge. But they just refused to admitted their mistake and refund the {$75.00}.

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 2018-07-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2018 I ordered a product from merchant ( XXXX ) in the amount of {$230.00} via XXXX which is attached to my debit card from Chase. A week had gone past and I never received my item. I contacted the merchant numerous times where they wouldnt give me answers. I then contacted my bank ( chase ) to start a claim as I never received my product. They said they would take care of me and issued me a credit. I have never received my product. On XX/XX/XXXX There was a claim reversal. I contact chase on XX/XX/XXXX to discuss the issue because I shouldnt be responsible for an item I never received. I spoke with XXXX in claims who stated that the tracking number shows its delivery and I there is nothing I can do. I ask for a supervisor for which he places me on a long hold and then tells me they dont have supervisors. I said that is absurd and requested one again. He came back after another long hold and informs me that they do t have any available. He says I need to take this up with the merchant. I plead as I do not want to be out of the money for something I didnt receive. I contact the merchant and ask for help and they inform me there is nothing they can do now that it is almost 4 months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient purchased my loan from Sallie Mae several years ago. During that time, they delayed, through forbearance, my payments which ultimately came due in early XX/XX/2017. I've made payments since then, but at times, have struggled to make the full monthly payment. I've called Navient to ask for additional forbearance, or to reduce my monthly payments temporarily, but have been told no every time. I've called at least 5 times to speak to different account advisers. I am willing to make payments, but can't pay the full balance due each month, and because of the initial forbearance and interest charged, I'm paying each month only the interest balance and the loan balance is staying neutral and exists to this day. The initial balance borrowed was ~ {$13000.00}, and is now over {$18000.00}. I don't know how I'm expected to pay off this loan when Navient continues to charge interest and refuses to help by lowering my monthly payment or allow me additional forbearance time to gain better financial standing. In addition to Navient I have over $ XXXX  in student loan debt, but the other providers ( XXXX ) have been willing to work with me - Navient has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXXXXXX XXXX XXXX  repeatedly calls my cell phone along with my wifes cell phone threatening to file a complaint in court for a debt that I dont recognize. They have an investigator calling and leavening messages on my cell phone stating that they are filing legal charges against us in court. They threatened to cause damage by reporting this to my credit. They are making false accusations on an old debt from 2010. They told me that I had 7 judgments against me which are not true. I attempted to ask them to validate the debt by sending me information via mail or email. They refused unless we agreed to make a payment. I asked them to cease and desist calls to my cell phone and they told me they will not honor my request. They are also harassing my wife when she told them to stop calling her cell phone as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
filed ftc on these accounts XXXX XXXX XXXX XXXX XXXX  not mine

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 2021-05-07
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my checking account on XX/XX/2021. My account was funded on XX/XX/XXXX and XXXX, 2021. Citi was supposed to deposit {$700.00} for an opening bonus after 61 days. That time Period has passed and they have yet to deposit my money. 
I opened the account at a branch and Im being told only the branch can tell me why it hasnt credited my account. However no one is answering the calls to the branch so Im in a catch-22.

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 2018-04-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
On XX/XX/XXXX I submitted a Certified letter to XXXX XXXX n regards to two negative inserts that was on my Credit Report. They were both for the same company but one was from the Credit card and the other one was from a collection agency ( XXXX XXXX XXXX ) both for XXXX XXXX XXXX. 
I asked to please Validate the accounts and to provide me with copies of any documentation associated with this accounts bearing my signature. 
On XX/XX/XXXX I received a Credit Report from XXXX XXXX dated XX/XX/XXXX stating that the account was verified and updated. Not receiving any proof that this account bared my signature. By that time it had been 30 days before i rec '' d any response so on XX/XX/XXXX I sent in a .SECOND WRITTEN REQUEST. stating that the unverified items listed below remain on my credit report. 
On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX that the account in question was Verified and updated, yet no proof was submitted bearing my signature. 
On XX/XX/XXXX I submitted my 3RD request stating that this was my final communication in regards to the inaccurate entry and yet no evidence to support their reporting was ever provided to me. 
On XX/XX/XXXX I received a letter XXXX XXXX dated XX/XX/XXXX stating that the investigation results were verified and updated. I feel i have been treated unfair from the Credit Bureau and they have not complied with my request for verification and they have also Violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a US Bank Rewards Visa card with a XXXX balance on XX/XX/XXXX. I made to purchases, one for XXXX on XX/XX/XXXX and the other on XX/XX/XXXX for XXXX. Shortly after, I lost the card during a move. I called the Cardholder Services, but I was told that they could not help me because I didn't know the number on the card. I later found the card and contacted Cardholder Services on XX/XX/XXXX. I was reissued another card since the previous one had expired. The new card had a balance of XXXX. At the time, I couldn't remember how much money was left on the original card. I made a small purchase with the new card. Unfortunately, I lost the card again. I contacted Cardholder Services on XX/XX/XXXX and spoke to XXXX. This is when I learned that I had been charged a XXXX replacement fee on the first card and XXXX inactive monthly fees starting XX/XX/XXXX and proceeding for the next eleven months, ending XX/XX/XXXX and totaling XXXX. I was not made ware of this in the first phone call. XXXX told me that he could not help me with the fees and I needed to contact US Bank. I asked him to reissue the card for the remainder of the balance, but he said that the balance was a little over XXXX and he would have to charge me a XXXX fee, making the card worth nothing. I asked for US Bank 's phone number and was told that they don't have it. I found a number for US Bank. I'm not sure who I spoke with there, but she was not able to help me and referred me back to Cardholder Services. I then spoke with XXXX, employee # XXXX. She put in a request to get the fees credited back to me, but told me that they probably would not do it. I asked to speak with a supervisor. XXXX, employee # XXXX, the supervisor, told me that he could not help me and I needed to speak with US Bank, but he did not have a phone number for them either. I called Visa and spoke to XXXX. I was again informed that Cardholder Services would help me with this and she transferred me to XXXX XXXX to get the issue resolved. XXXX told me there was nothing she could do to help and I needed to contact US Bank. 
These are disgusting corporations that have found loop holes in the legal system to make money without offering any services or products.

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