BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Acct Ending # XXXX, Date XX/XX/2021, Balance {$49.00}, Description XXXX XXXX received from XXXX XXXX. 

This payment I received via currency exchange. I paid XXXX XXXX XXXX and she paid me USD. After her payment confirmation, I sent her XXXX for the money exchange on the same day. 

Since I didn't know how XXXX works. I asked Capital One agent before she transferred the money to my Capital One account. I was told XXXX XXXX is like cash transactions. Once they send the money, they won't be able to withdraw it without authorization from account owner, no matter what they claimed for. As such, I accepted XXXX payment based on the agent 's information. 

After the sender received my money, she filed a fraud after a month. In order to clarify and investigate further, I filed a police report immediately since she got double payment. She received my XXXX XXXX. And she also got her money back. What she has already done is fraudulent. Based on the police report, Capital One should be able to understand what's happening.

However, slapping on the face, Capital One took the money out of my account without my permission. The bank is stealing my cash from my account! Even if the police has already been involved to investigate why XXXX XXXX XXXX made fraud case. As my bank, I require Capital One to keep my money safely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all XXXX credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from transunion on the countless requests.

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 2019-04-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan was transferred from XXXX to XXXX XXXX XXXX, and all paperwork was lost. They are quoting that I owe more than when it was transferred, although I have paperwork from XXXX from 2016 on what the loan amount was. They are nothing but XXXX when you call to try to get any information, and they have told me numerous times that files and records were lost when they took over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
PURCHASED A MONEYGRAM MONEY ORDER AT XXXX # XXXX IT WAS DAMAGED. I REQUESTED A REPLACEMENT. MONEYGRAM CHARGED ME XXXX DOLLARS TO REPLACE THE MONEY ORDER. I PROVIDED DRIVER LICENSE AND TYPED MY NAME CORRECTLY. I RECEIVED THE REPLACEMENT MONEY ORDER WITH ERRORS ON THE NAME. I WENT TO XXXX AND TO THE BANK TO CASH IT. XXXX  REFUSED AND THE BANK REFUSED TO CASH STATING THE NAME DOES NOT MATCH WITH THE DRIVER LICENSE. POLICE WERE SEEING ME AS A SUSPECT OF WANTING TO CASH A STOLEN CHECK. I AM THE PURCHASER OF THE MONEY ORDER AND THE ONLY PERSON THAT CAN CASH IT. SEEMS ANY TIME I TRY TO CONTACT THERE IS NO ONE TO SPEAK WITH. I HAVE USED THE ONLINE COMPLAIN GOT SUPPORT TRACKING # XXXX AND WITHIN MONEYGRAM THEY HAVE A FRAUD REPORT CENTER WITH A CASE # XXXX I NEED TO HAVE THE MONEY AS SOON AS POSSIBLE I HAVE REQUESTED TO HAVE IT AVAILABLE AT ANY BANK AND TO RELEASE THE FUNDS AS THE ERRORS ARE NOT MY FAULT. I SHOULD NOT BE CHARGED AGAIN XXXX TO GET MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
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:
Reference cfpb-XXXX, XXXX XXXX  states : Our records further reflect that the account has been reported current since service transferring to XXXX and our records do not reflect that any correction or update to credit reporting has been required. If there is a specific report which you are concerned regarding the reporting, please provide the report so that we may review the allegations you are presenting. 

XXXX refuses to update that status they report as current, to the credit reporting agencies. It is disingenuous to infer they do not know the report I am referencing since the only entity that can report to the credit reporting agencies is XXXX. Experian does not arbitrarily report an account as delinquent.

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 2021-09-13
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
US BANK initially lost a certified cashier 's check in the amount of {$4500.00}, which was sent directly from XXXX XXXX to US Bank by XXXX. The check was signed for by a US Bank representative. We refused to make payments to the loan until US Bank located the check or resolved our dispute by crediting the amount of the cashier 's check ( as we could not simply place a stop on certified funds ). The bank failed to acknowledge the fact that we were already out of XXXX and could not continue to make payments until we were positive the payments were actually going to be acknowledged and credited to our account. US Bank denied losing our check and refused to take any action. Needless to say, during the pendency of our valid dispute, the deficient mortgage balance doubled due to foreclosure attorney 's fees. We requested US Bank to itemize the foreclosure attorney 's fees to ensure the fees were reasonable, but they refused. The loan currently has more than XXXX in attorney 's fees and we are unable to pay this amount, especially considering the mortgage is now XXXX delinquent. 
US BANK refuses to take our calls and the account is not available online.

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 2022-01-15
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX XXXX. 

I am filing a bad collections practices complaint against Credit Control , LLC. 

Its address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX ; and its phone number is XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ( a debt-modification law group that I contracted with ) negotiated and settled at a discount a XXXX XXXX XXXX loan with an account number of XXXX balance at time of settlement was {$16000.00}. XXXX settled with Credit Control for {$8400.00}. The settlement document is attached. 

The details of the settlement document show it was a 24-month payment plan. XXXX mailed monthly settlement checks to Credit Control each month for 24 months starting XXXX of XXXX and ending XXXX of XXXX Credit Control cashed 23 of those checks. However, Credit Control claims it did not receive the 24th monthly check ( XXXX of XXXX ). Credit Control then declared the settlement defaulted, it kept the {$8200.00} XXXX paid on my behalf for the settlement, rejected and declined XXXX repeated requests that Credit Control honor the written settlement agreement, and then Credit Control sold the XXXX XXXX XXXX XXXX account to XXXX XXXX XXXX XXXX XXXX XXXX That letter is attached. 

XXXX XXXX XXXX XXXX XXXX maintains I owe the remaining balance of the overall debt : {$8700.00}. 

I allege that Credit Controls actions are illegal bad collections practices and, therefore, in violation of the Fair Debt Collections Practices Act. 

XXXX XXXX XXXX did mail the 24th ( XXXX of XXXX ) to Credit Control on time as it had done during the course of the settlement payment plan. What XXXX did was include that check in a batch of multiple settlement checks for other clients settlements and put them all in one envelope and mailed that envelope with those checks enclosed to Credit Control. Credit Control did receive the mailing. XXXX confirmed that because those other checks were cashed by Credit Control. 

Here is my contact information : Phone : XXXX Email : 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 2018-01-07
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX XXXX I wired {$70000.00} to Coinbase from Coinbase I moved the money to Coinbases other platform XXXX where my money has been locked up since XXXX XXXX XXXX. I can not login in to the account or access any of my {$80000.00} in the account. I have called over 10 times and emailed them 7 times. They keep making excuses for why the account has n't been unlocked. I have contacted a lawyer and plan on sending them a letter. Which cost {$1500.00} from a lawyer. Please help me resolve this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The three credit reporting bureaus, XXXX, XXXX, and Transunion have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : XXXX, XXXX, and Transunion authority to report anything on my report, but yet they had for years. They have committed identity theft.

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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX placed an Hard Inquiry on my credit file XX/XX/2018. Requested company to supply information reasonings of hard inquiry. Company stated inquiry will be removed and still remain on my Transunion 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 explanation
Consumer complaint received 2022-01-14
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in the amount of {$8700.00} into my checking account on XX/XX/2022, at a branch. The bank associate advised a few days for the check to clear, and that {$100.00} would be available that day. The {$100.00} was never made available, and the check has been on a " Special Hold '' that the bank manager advised was " random '' ... that the fraud dept does this with checks. It was a check drawn on a local bank, but I was told that when they called to verify if the check cleared they would not give that information over the phone. I explained to The TD bank Manager ( XXXX ) that it was funds paid to me to cover medical expenses after a fall I had at a XXXX XXXX. XXXX XXXX employs XXXX Claims XXXX XXXX to handle these claims..they processed the check. She advised me that if I had them forward documentation that the check cleared their account, that my funds would be released to my account. XXXX XXXX, the claim manager that sent me the check, advised me the check cleared their bank on XXXX XXXX. I provided that documentation to XXXX on XX/XX/XXXX. I had the Claims Manager that handled my claim email it directly to XXXX XXXX XXXX XXXX - email : XXXX. XXXX has still no released my money. I have made numerous calls to the bank only to be told that there is nothing they can do. I have medical bills to pay and do not want my good credit ruined because XXXX is inefficient and inflexible in handling their business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Community Bank calls me on Sundays and after XXXX on a daily basis and as early as XXXX est. The calls are annoying and beginning to be involved in harassment. They call at least 10 times a day. This is call harassment and I would like it to stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have hard inquiries on my credit report, that I did not authorize. Hard injuries such as XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX ( XXXX XXXX ) and XXXX cable ( XXXX XXXX, XXXX ) are all unauthorized hard inquiries, As I just recieved a copy of my reports recently I noticed these injuries on my report and put a fraud alert on all three of my reports I contacted Equifax and XXXX about these items being unauthorized I informed them it was identity theft has played a part in them being unautherized inquriies and accounts. Accounts such as XXXX XXXX XXXX XXXX and XXXX cable is identity theft and should be taking off my credit reports. Letters and letters of the Law have been sent to all three bureaus. XXXX XXXX was the only one that has resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2017-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I were XXXX from bankruptcy in XXXX XXXX. We were instructed by our attorney to begin paying our mortgage with our XXXX XXXX payment in which we did. Prior to this it was paid by the trustees office. In XXXX XXXX we tried to apply for a new air conditioning unit for our home and we were denied. I then pulled our credit report and that 's when I saw that it was being reported late for the month of XXXX or XXXX. That is when I called Bank of America to question this reporting and they told me I need to pay more money to catch up my payment. I asked them how was that possible when I just began paying and everything has been payed as agreed by the trustees office. I requested a payment history from them in which I could not follow because of how they entered things into the system. I had been calling them for months to no avail when we received a letter telling us that our mortgage servicer was changing to another company. We were upset about that due to the fact that we had been trying to fix this problem and it has n't been fixed. I have since disputed the late on my credit report and it was removed but now my new company has reported us late and we have not missed a payment since we started paying in XXXX XXXX. I recently disputed this with Bank of America with a letter to thier dispute department. They have refused to correct this error stating that it is not their error but ours. The response that was mailed back to us stated that they refunded us the money because it was placed in escrow. I have combed through my paperwork and nowhere does it show anything different was applied to escrow other than what was supposed to be applied. Also they stated that we missed our XXXX payment and we did not. They did not receive the XXXX payment because the letter that we received informing us of the transfer informed us not to pay them after the XXXX of XXXX. Since I had not received my paycheck yet, I had to wait until after the XXXX to pay my mortgage. I have even tried to correct this with the new company and they refuse to because it was sent to them with a late status. I have attached all the documents that I believe you will need. We have tried everything and to have your credit be torn down by something that we ca n't control is mind boggling. We have been trying to rebuild our credit and this is n't helping. 

Please do not hesitate to contact me if you need more information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2022-01-14
Company: EQUIFAX, INC.
State: PA
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:
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 1 XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Over the past year, I have been discussing improper handling of my account as a business and not a consumer.
Most notably, my later of XXXX/XXXX/17 was responded on XX/XX/XXXXand repeated on XX/XX/XXXX.
As a consumer, not a business, I was switched by CitiBank to a XXXX  cardaccount to afford me a higher limit well over a decade ago. I was assured no other differences would occur.
My account and card list only my name without any business associated. However, my account is being treated like a business, not a consumer and requests are not being handled as such.
- Is XXXX aware that I am not a business and following procedures for a Consumer?
- Why is the account not following CARD and handling the highest APR items on the bill first?
- My interest rate escalated quite insanely during recent months. You have reduced it but I request a refund of the extra interest charges as the escalated rate. As a long-time customer, it would be appreciated as I believe Ive been unfairly treated as a business 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 explanation