BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-08-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XX/XX/2022, I opened an 2 year CD with Bread XXXX in the amount of {$40000.00}. The next day I called to see if I could cancel the CD. The customer rep said I could because the funds have not been transferred and he cancelled the CD. A few days later I check the account which I do have another CD with Bread Savings and saw that the account had been funded and the CD opened. I thought I had been too late to cancel the CD. This was not a problem for me. I would leave the CD for the 2 year period. A few weeks later I checked my 2 CD accounts and there was only one. I then checked my bank account in which I had funded the CDs with. Bread XXXX had refunded my account with {$39000.00}. They had charge me with the penalty of {$590.00}. I called Bread XXXX and explained that the CD should have be left opened or the full amount should have been returned. The Cust rep referred it to another group and said they would contact me. A few days later They said based on there investigation no errors were made. I have been emailing them using Bread XXXX 's Site. They will not respond anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not my account. Please remove it.

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 2020-12-12
Company: Approved Mortgage Source, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My loan was originally submitted as a lender pay broker compensation fee and on the day of closing when the final cd was disclosed it was changed to a borrower pay. I reach out to Approved Mortgage Source LLC to find out why my closing cost was so high when i was told that it would be {$1500.00} the explanation that I got was that its the first time doing business with that bank and when my loan was submitted it was submitted as a lender pay but they said since they're paying on my down payment and closing cost I should pay, this was never disclosed to me until the day of closing when I call the title company to find out why. I then decided to walk away and that was when XXXX agreed to give back {$1800.00} of that to go in my pocket and {$900.00} towards my closing which the {$900.00} was not honored. This man makes my experience as a first time home buyer a nightmare with all its lies and deceptions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: MS
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In the Month of XX/XX/2016 I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them  stating I owe {$3700.00}. 

The cause is that in XX/XX/2016 I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00} to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided OFX.csv which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. 

The discrepancy occurred in the Month of  XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/2016 per Reference :  XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 
XXXX ) XX/XX/2016 per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION. 

I have called American Express several times to explain the situation and they only seem to send me my complete XX/XX/2016 statements. Unfortunately, they will not look at the OFX.csv file as proof of this error and they only rely on their Statements which are part of this error. To further my troubles the American Express agent told me that there is nothing I can do to fix the discrepancy between the OFX and the PDF 's and I should just pay the amount they see as owed. I estimate that I have spent 11 hours on the phone with American Express and 5 hours on my own time figuring out what the root cause may be. At this point I would like American Express to find where the discrepancy is between the American Express statement and the American Express OFX.csv file. 

I do have a statement from my certified public bookkeeper that supports my case in the American Express has performed an accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CITIBANK, N.A.
State: VA
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:
XXXX, I charged off several accounts with XXXX in XXXX. The company stopped reporting my accounts as charge offs to the credit bureaus in XX/XX/XXXX. However, XXXX started back reporting my accounts as charge offs in XX/XX/XXXX. Also, started reporting duplicate accounts to the credit bureaus in XX/XX/XXXX ; which caused my credit score to drop by over a 100 points. 

I spoke with XXXX XXXX ( XX/XX/XXXX ) Sr Liaison, Credit Executive Office for XXXX XXXX XXXX XXXX XXXX stated, she would address the problems and their actions may have contributed to my scores dropping. 

As of today, the problem still hasnt been fixed. I have duplicate accounts being reported as charge offs and XXXX still reporting my accounts as charge offs 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 2017-12-05
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a Federal Money Order for {$290.00} into Simple Bank on XXXX XXXX, 2017. XXXX ( $ ) of the funds were available until 16 days later ( XXXX XXXX, 2017 ). 

1 ) Treat your customers fairly by treating United States Federal Money Orders, which are backed by the federal government and are normally treated the same as cash, differently than a personal check that has no federal guarantee of funds. 

2 ) Follow the federal government 's Expedited Funds Availability Act, which among other stipulations requires up to the first {$200.00} of a non- '' next-day '' checks to be made available the next day, and certainly a federal money backed by the U.S Government would qualify here. 

3 ) For the record, please state what day, exactly, did Simple Bank receive the {$290.00} from the US government, and state clearly for the record how many days between when Simple Bank received the {$290.00} from the federal government and when Simple bank released the funds to me. More than likely, Simple Bank received the funds close to two weeks before it released the funds to me. 

4 ) I have your new tagline though, so not all has been wasted : " Simple Bank! We Make Simple Complicated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX 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 2018-03-26
Company: Stearns Ventures, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Stearns Lending, located at XXXX XXXX XXXX XXXX  XXXX, VA XXXX is a low budget, poorly managed company. I own many homes across the US and this is by far the worst company to conduct business with. The mortgage insurance depart failed to complete a simple mortgage e-bill with XXXX back in XX/XX/XXXX. As a result, the policy was cancelled and not caught by Stearn 's mortgage team until XX/XX/XXXX. Stearn 's sent 1 notification letter stating a cost 2X the market would be placed on my home for lapse in coverage retro dated to XX/XX/XXXX. I was informed that if I did not respond by mid XX/XX/XXXX, the policy was continue for the upcoming year. I was shocked and appalled by the lack of professionalism in the process as I spent >8 hours on the phone unpeeling the history and cause of this error. The results left me with on out of pocket lost of over {$1000.00} and continued frustrations. The error was not mine but I am paying an unreasonable rate for the gap in time that already passed. Stearn 's predatory practices allow them to pray on consumers trust and strip profit from both their mortgage and insurance departments.

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 2020-05-06
Company: ERC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam, My complaint is about ERC creditor collection practices. On XX/XX/XXXX XXXX XXXX XXXX [ XXXX # XXXX ] was notified via. USPS postal service of BARRED/INVALID DEBT, the debt was then transferred to ERC after DENIAL letter I wrote to First Source Advantage. On XX/XX/XXXX ERC [ XXXX # XXXX ] was notified of the BARRED/INVALID DEBT via. USPS Certified Mail with Signature and they were also notified that CFPB would be contacted if they continued to contact me about a debt that was denied. On XX/XX/XXXX I received a second letter from ERC ( ERC dated the letter XX/XX/XXXX ) harassing me about the same debt. If ERC believes they want to take legal action against the Estate of XXXX XXXX XXXX aka. XXXX XXXX I have provided the Probate Case # XXXX to them. I do not want to be harassed regarding a BARRED/INVALID debt again. I will be providing all supporting documents in this matter to CFPB for the correspondence between myself, XXXX XXXX XXXX and ERC collection agencies. Thank you, Sincerely, XXXX XXXX XXXX ( Personal Representative )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Settlement has been reached and paid with XXXX XXXX, the original collector. Trident needs to remove the negative remarks from my credit reports asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Diversified Consultants XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested on (? ) XX/XX/2017 Permissible Purpose : Collection I do not know these people. They are mistaken in applying this to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
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:
I filed the following Consumer Financial Protection Bureau Complaint # XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX has already labeled the complaint as duplicate. This is unacceptable. I want to know why XXXX XXXX XXXX XXXX continues to label ALL complaints as duplicate without any explanation. ALL COMPLAINTS WITHOUT ANSWERING ONE COMPLAINT! The complaint -- -- - The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX Loan # XXXX. XXXX  XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was XXXX  for XXXX XXXX  and XXXX  in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX  XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX XXXX, 2 XXXX  XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and XXXX  XXXX  XXXX  XXXX as evident in her XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Dear Sir or Madam, Last XXXX I applied the XXXX  card from bank of America. According to the terms and conditions, I can be qualified to get XXXX XXXX bonus miles and {$100.00} statement credits plus annual companion fare after making purchases of {$1000.00} or more within the first 90 days of opening your account. 

I did make the purchase in 90 days and noticed I didn't receive the bonus last XX/XX/XXXX. I called BOA and the associate said I didn't match the qualification because I only spent {$930.00} cause the annual fee {$75.00} didn't count the purchase of {$1000.00}. However, the associate even checked the terms and conditions and didn't find any statement about annual fee isn't a purchase. The associate said I should be qualified to get bonus so he helped me to file higher level in BOA to get my bonus back. 

On XX/XX/XXXX I got a mail and it said I didn't meet the requirement to get the bonus because I didn't spend at least {$1000.00}. I called BOA again for the details but they just said its final decision and wont be changed and no one can answer why annual fee isn't a purchase that I paid for the service of BOA. 
They even suggested me to reapply the same credit card and pay {$75.00} annual fee again then spend {$1000.00} in 90 days so I will get bonus. I am so disappointed that BOA used tricky ways to get more profits for their credit card business.

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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently applied for credit with XXXX XXXX for credit with XXXX but I was told by the above bank that a code come back to the bank from TRANSUNION CREDIT SERVICES : : The code is : : " XXXX '' after the bank " Decodes it the statement comes up by the bank XXXX XXXX and it lists the following Statement : '' Credit History Indicative Of Potential Invalid Identity '' Ive been reaching out by phone to Transition Credit Services since last year every time the Tranunion customer agent try to access my credit file its saying by the agent that a specialized agent with their fraud dept is handling my credit file, and that dept is always unavailable ( since last XXXX  ) Im able to leave my phone number so they can return my call, but as of Today : XXXX no one has contacted me back and my issues remain unresolved by Transition Credit Services ! !!

im hoping this complaint may receive some action to get to the bottom of this situation..

Thank You..

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 2017-12-06
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX XXXX I became unemployed and asked XXXX XXXX XXXX to recalculate my payment, they did it and made the payment much higher even though our income was a lot lower due to me being unemployed. Also back around 8/2017 they approved me for a unemployment deferment, then they took it off for no reason and without my permission put me back on repayment status at a high rate, so I called into customer service and they asked me to send in another unemployment deferment and I did then they approved it which I have copies for starting XX/XX/XXXX. Why would I want it to start in XX/XX/XXXX I am unemployed now. Then XXXX XXXX without my permission put me on a forbearance for a month which is higher interest than the unemployment deferment. Also during this time with all this going on they kept changing and increasing my payment amount. Also I was on the public loan forgiveness and they have n't added any payments that I did make toward the 120 payments. They keep messing with my loan and not responding to my emails. And when I call the customer rep they tell me different stories. Like one customer rep said for me to apply for one of the income contingent payment and I would have a XXXX payment, that was not so they as I mentioned early increased my payment by double or more. I was giving a lot of misguided and false information. Also in XX/XX/XXXX they took off my parent plus loan and said it was transferred so that one loan showed transferred, but now we are in XX/XX/XXXX and they have it back on there. Why would they put that is was transferred even though it was n't. I have kept my paperwork and taken screenshots of my account where they keep changing things. I have three loans with them and the parent plus loan is one of them. Please do something about this. It is very stressful to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I initiated a transfer of USD {$5000.00} on XX/XX/2017 from my Coinbase account to my XXXX XXXX account. The funds were never transferred. I have had at least 4 phone call conversations with Coinbase 's customer service and my issue has not been resolved after 3 & 1/2 months. I have had no progress of getting my money back or showing that Coinbase is even interested in ever giving my money back. No actions have been taken by Coinbase to give me my money back.

Company response to consumer: Closed with explanation