BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I was sent XXXXEuros to my Paypal account. I logged into Paypal to receive it. Once I clicked " accept '', the webpage showed me three options, one of which was to convert the money to {$33.00} and some cents. I Googled " XXXX Euros '' and it reported that amount to be worth about {$34.00}. I thought the cost ( $ XXXX {$33.00}?? ) to be reasonable and so I selected this option ( the date was XX/XX/18 ). I then saw a webpage that said the transaction was complete and it provided a link to " transaction details. '' It was only then, that I saw some details that indicated that I was only receiving less than the {$33.00} that I had been promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05
Company: Diversified Adjustment Service, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified adjustments is contacting my wife and myself on an account that is more than 7 years old. We have repeatedly told them we have already paid this and we are not paying any more money on this balance. 

Along with the fact the debt is non existent in XXXX  system at this time after we contacted them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After debt was paid and satisfied through Transworld they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( XXXX ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.

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 2020-10-09
Company: Experian Information Solutions Inc.
State: NY
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:
Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a matter of law. Took classes online with XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Maryland XXXX. It is XXXX XXXX for XXXX XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Balance Account Type and an FCRA violation. Please remove this inaccurate account from my credit 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 2018-02-23
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
XXXX Barclay , XXXX and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance

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 2020-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2018-04-21
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 sent letter to them to validate the debt, but they ignored my letter and put on credit with no proof that its 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 2020-08-31
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of ID theft. I have several times told XXXX and they promised an investigation into it. I have had XXXX for more than ten years and XXXX continues to say it was me even though i know i never made a single call on a XXXX phone in my name. XXXX now reports it as a delinquent account ruining my perfect credit and ignores id theft laws regarding furnishing proof. Since they are XXXX and not a debt agency they tell me they can harass me all they want and do not fear you folks " in the slightest ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Innovis
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:
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: LEXISNEXIS
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:
My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began my refinance process in late XX/XX/2021. The actual process doesnt count until XX/XX/XXXX when I was cleared to proceed with the process and my rate was locked in. Ive responded to every email and submitted every deliverable in 48 hours or less. I had no real issues or delinquency of note. Today, XX/XX/2021 after 5 months of waiting I was scheduled to close. I had spoken with the Rep. and had emails confining the date and time. No one showed or called. They said that the date given was just an estimate. Ive been waiting and counting for this money and I dont know when Ill get it. Ive complained to Wells Fargo several times via email and telephone. Ive had my complaint escalated but no real resolution. They said it is because of the many people who are purchasing homes right now I dont think so. Im frustrated and Im angry. Ive been given the runaround by WF for too long. 120 days to complete a refinance. The process should only take 45 - 60 days. Im still waiting to close.

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 2018-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018 I closed my checking and savings account and moved all my funds to another bank. A few days later a check I had written was presented to the bank for payment of {$9.00}. Rather than refusing the check, the bank reopened my account and paid the {$9.00}. The bank then charged me $ XXXX+ a {$35.00} insufficient funds charge on my closed account and assessed me a {$30.00} per week charge for every week subsequently. Of course I knew nothing about this until I received a notice from my former bank on XX/XX/XXXX demanding payment of {$130.00}. I have tried to resolve the issue thru contact with customer service. They offered to waive one fee and told me to speak with the branch manager, a XXXX XXXX. This was to no avail. Attempts to contact the regional manager were thwarted by the banks refusal to provide his phone number or proper email address. Attempts to contact senior officials in higher offices were also hampered by promise of " I will check into that and get back to you '' I paid the bank the {$9.00} they were owed but have refused to pay the assessed fees for their stupidity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX attorney general XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are 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 2021-08-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls from American Express for a debt my brother owes. I have talked to Amex twice that I have nothing to do with my brothers finances. I am XXXX and my brother is XXXX. They keep asking me to talk to him and to have him call Amex. I explained I am not an arbitrator for Amex or my brother and to remove my number from their call list but they will not and keep calling me and my ex-wife, who has zero contact with him. I do not even have an American Express account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX started this whole ordeal, prior to them taking me off of XXXX XXXX deal with older people getting phone service cheaper. When I saw my TU report that XXXX XXXX, had gotten this, back in XX/XX/2018, I disputed the charges with this agency, but have not been able to dispute this with this collection agency, XXXX I've never got any mail notification, from them since they had gotten it from XXXX since I've gotten this information off my credit report thru TU, back on XX/XX/2018. XXXX is the culprit of this whole ordeal. I told them I wanted a landline phone, with caller ID only, they wouldn't accommodate me. They decided to turn me off completely from their services. So much for Technology.. all XXXX  wants if money!

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 2021-05-23
Company: Winklevoss Exchange LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have money in Gemini XXXX for trading crypto currency ( XXXX ). While they went through a verification process to receive my money and have already done so, for some reason there is an additional verification process to withdraw my money. 

I checked XXXX and found that this is a common problem with users of Gemini : https : XXXX This is fraudulent activity. How can my identity already be verified to deposit my money and still require to be verified to withdraw my money? It is false and fraudulent behavior and likely conducted to control funds and for no other reason. 

I initially deposited funds on XX/XX/XXXX and XX/XX/XXXX. Today is XX/XX/XXXX and I have requested a withdrawal of these funds, but have been prompted to verify identity a second time instead. This prevents the actual withdrawing of my funds and I have read that the process can take weeks or months. No one should be allowed to keep my money from me without my permission for any period of time, especially not under false pretenses such as these. 

The platform additionally charges a variable amount for crypto currency, which can cause new users to falsely suspect that a trade that was once free might always be free of charge to conduct ( i.e. free to buy but not free to sell ). The whole scheme is unreliable and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed a letter of VALIDATION to XXXX XXXX for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Good morning, Please see my attached letter to Fifth Third Bank ( mailed via certified mail on XX/XX/2021. ) The letter details my complaint, the lack of response from Fifth Third, Fifth Third 's loan servicing practices, etc.

The main issue is how can Fifth Third send me a monthly statement on my home equity line of credit and my payoff balance be so radically different from what appears on my statement. I really question the legality of this along with the fact you can never reach a live person at Fifth Third Bank that can answer any of your questions. 

Secondly, it took me over 4 months to get 3 old liens released from the title record on the property. These were old mortgages from XXXX that I refinanced with Fifth Third! They could not reconcile their own record-keeping for 4 months!

Please see attached letter to Fifth Third along with my last 2 monthly statements, the payoff letter for my home equity line of credit and the transaction history Fifth Third mailed to me. Please do not hesitate to let me know if I may provide you with any additional information. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lobeal financial repo car they are still garnish my wages after its been over 7 years and I don't even own the car but they still want me to pay for it in full after they repo the vehicle years ago and it's hurting my credit score bad I was young at the time now that I have grown and have a family of my  own I want to buy a house but can't because of my credit I just asking for a second chance if possible thanks sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: West Realm Shires Services Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In XX/XX/2021 I deposited {$800.00} to buy cryptocurrency. I was told to wait 15 business days before withdrawing. On XX/XX/XXXX I decided to withdraw my funds and there was an error ( Said that I had a read only account ). I reached out to customer service on XX/XX/XXXX to get help. They asked for a copy of my identification and a selfie to prove my identity. I sent it in. They asked for it again on XX/XX/XXXX. I sent it in. They asked for them all in one picture on XX/XX/2021, I send that in on XX/XX/2021 and they stopped responding. I wrote them no less than seven times asking for an update in the status. I wrote them again on a new thread which issued me a new trouble ticket number. I was told by one customer service person to try to delete the app and re-install. I did and reported to them that it didn't work and they have not responded. I looked online to check to see if anyone else has been having problems and there were 5-10 people who were all having problems withdrawing their funds from FTX/XXXX. As of my understanding, no one has been able to recover their funds. Each of us has deposited enough to be worth tens of thousands of dollars in the near future. 

Please note the link : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation