BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
From the depths of corporate greed, a card emerges, a card so utterly steeped in excess that it reeks of contempt for its very users : the American Express Platinum Card. With its exorbitant annual fee of {$690.00} + {$150.00} for additional member, this card is nothing more than a brazen cash grab, designed to ensnare the unsuspecting with the promise of exclusive " perks '' while shamelessly emptying their wallets. 

The card claims to offer its members a litany of high-value benefits, such as airport lounge access, elite hotel status, and travel credits. However, upon closer inspection, one quickly realizes that these so-called perks are nothing more than a series of hoops that cardholders must jump through, with countless terms and restrictions rendering them virtually unusable for the average person. 

XXXX XX/XX/XXXX  : The direct website of a 5 star hotel was {$520.00} cheaper than Amex travel fine hotel and resort collection when I booked using my Amex Platinum card. Now the Amex perks are no longer valid since I booked directly with the hotel and not Amex travle. They are window dressing their perks like in such a way that we, the customers, are clearly paying for it! Amex provides poor service. It is not even immediately apparent when we click on the so-called perks as follows and terms and conditions. 

In summary, the American Express Platinum Card is a shameless display of corporate avarice, masquerading as a luxury product. The benefits it offers are little more than bait to lure unsuspecting consumers into its trap, only to leave them saddled with a high annual fee and little to show for it. There are far better options available for those seeking a premium credit card experience ; do yourself a favor and steer clear of the Amex Platinum Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Peer Advisors, LLC
State: DE
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In late XX/XX/XXXX I got a reverse mortgage through XXXX XXXX XXXX XXXX  and their agent XXXX XXXX XXXX. The contract calls for me to email a draw request for funds, then the money is transferred to my checking account within the agreed upon 5 business days. 
On XX/XX/XXXX I made a request for funds. 
On XX/XX/XXXX I asked for an acknowledgement of my request. No reply. 
On XX/XX/XXXX I sent a second request for acknowledgment. No reply. 
On XX/XX/XXXX I sent another email subject " are you out there ''. 
On XX/XX/XXXX, I finally did get an automated reply from XXXX  XXXX XXXX including " This is being sent to you to acknowledge the receipt of your e-mail. Please note that it is not necessary to submit your e-mail more than once. '' ( See attached emails. ) On XX/XX/XXXX - I still did not have my money, I finally called XXXX XXXX and was told just because I see that I sent emails does not mean they got the emails?! I was told maybe I had the wrong email address. Later XXXX XXXX XXXX XXXX  had a supervisor from XXXX XXXX   call me - she also suggested maybe I transposed some wrong letters in the email address. She would try to expedite the matter for me. 

XX/XX/XXXX, today, and still no money way past the 5 day period. I am about to incur a {$500.00} late penalty for not paying my yearly condo fee on time. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see all of the documentation attached. The original creditor is XXXX XXXXXXXX, the collection agency is LVNV Funding C/O Resurgent Capital Services. 

I was a victim of identity theft and I have been dealing with this matter since XXXX of XXXX. I filed a police report as requested by XXXX XXXX since the debt did not belong to me. The police report is attached. 

I went through the entire verification process and XXXX XXXX sent me a letter stating : " Thank you for contacting XXXX XXXX XXXX On XX/XX/XXXX, we received your police report. Based on the information received, we are holding you not responsible for the current balance on the above-referenced account. We have submitted a request to remove this tradeline from the consumer reporting agencies. Please allow the agencies approximately 60 days to update their records. lf you have additional questions, please call our Fraud lnvestigations Department at XXXX between XXXX XXXX. and XXXXXXXX XXXX, Monday through Friday ( Pacific Time ). '' PLEASE SEE ATTACHMENT NO. 4 According to my credit profile, LVNV was deleted from my credit profile on XXXX XXXX, XXXX. They are the collection company who purchased the debt from XXXX XXXX where I was a victim of identity theft. This account was added back to my credit profile on XX/XX/XXXX, and it decreased my credit store significantly. 

I have made several attempts and asked all three bureaus along with LVNV to remove this from my credit profile and also sending relevant documentst that this does not belong to me and they have refused to remove it from my credit profile. The reinserting a debt that had been previously verified as not belonging to me and deleted violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX Greetings, I am writing to request assistance with Navient XXXX XXXX XXXX. I am aware of the recent lawsuit, which I believe and will fully explain why I think we ( my son and me as co-signer ) are eligible for loan forgiveness. My son took out a student loan in XXXX ( disbursement date XXXX/XXXX/XXXX ) in the amount of {$16000.00} to cover tuition at XXXX XXXX University in New Jersey. My son was not able to continue due to serious health issues. He has a XXXX disorder ( XXXX ) which became very severe and difficult to control. As a result, it was extremely difficult to for him to focus as he was having a several XXXX a day, and he could not continue in school ( documentation can be provided ). After a 5 day hospitalization in XXXX, doctors were able to customize his medication and control the XXXX ( documentation can be provided ). During all of this time, he tried to keep up with the loan payments, but the monthly amount was prohibitive. In XXXX, he requested a lower monthly payment. Navient refused, and advised him to go into forbearance for 18 months, not explaining that the interest would continue to accrue, a practice I know is unethical and covered under the lawsuit. This has now resulted in a balance larger than the initial loan amount. 
I have written to Navient several times since XX/XX/XXXX. They have not responded to my request, and also refuse to release me as co-signer, indicating that I have to provide proof of program completion. As explained above, my son could not continue school due to medical issues, and was unable to complete his program. 
Yesterday ( XX/XX/XXXX ), we found out that Navient has reported both of us to the credit bureaus, which has seriously negatively impacted our credit score. I have written to Navient many times, and have reported this to several agencies, but no one has helped. I write today to desperately request your assistance. The loan information is below :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Okay I've been a coinbase customer for 5+ years but rarely use them because their fees are about three times higher than anyone else. But they sent me an offer to set up recurring buys to receive XXXX bucks in free crypto. So unfortunately I was tempted and accepted the offer. I was supposed to be paid my XXXX dollar bonus after my second successful recurring buy of XXXX  or more dollars. Well that was a month ago and I sent an email to support which btw you can't do in the app without it restarting your ticket when you go to verify your email at the end. So for a company that focuses on new and cutting edge technology it's kind of pathetic that they can't even make their support work properly. So then I sent the email successfully and waited 4 weeks with no response. I have since submitted another ticket with no response as well. To say I was disappointed with this company 's shady unethical and illegal actions would be an utter understatement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All of my account balances have been paid off since XX/XX/XXXX & XX/XX/XXXX. XXXX has still to respond to my initial compliant. This is the only way i can get my loans amounts updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: IL
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 attended XXXX University during the time period ; in which they were sued by the FTC and all loans during that time was forgiving. However, XXXX XXXX XXXX XXXX is still reporting on my Credit File. I contacted all three major credit companies and XXXX is providing inaccurate information. This is also stated in the Fair Credit Consumer 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 non-monetary relief
Consumer complaint received 2018-05-16
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello! I am representing my company in this complaint.We began having issues with XXXX on Monday ( XX/XX/XXXX ). 

XXXX has caused numerous problems for us. Our current issue is that the XXXX app will not start on our CEO 's phone. When addressed, he was sent to level 2 support and was told his phone was not supported because it was VoIP. It took us 2 hours of waiting on the line to receive this response. What was interesting was when I tried to create an account with a VoIP phone, it worked just fine. We are not happy about receiving false information that damages our finances. 

In addition, all of us have tried to add our company debit card multiple times across multiple phones ( some which are not VoIP ), and we are being told that the debit card information is not correct on every single one. When we waited again on the line for an hour, we were told that level 2 customer support would not be able to add our company debit card to our account over the phone and that it " was against policy, '' and redirected us to our bank. We have verified our debit card information with our bank 3 times throughout this week and we have both concluded that this is a problem with the XXXX mobile app. We have banked with this bank for 2.5 years and we would strongly appreciate it if XXXX could work with us to solve this problem rather than redirect us to a bank which has never had any problems with other mobile transaction apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$120000.00} from an outfit claiming to be XXXX, they fooled me into using XXXX-then proceeded to systematically rob me through XXXX, XXXX, XXXX gift cards and wire transfers .The wire transfers came from my account at Wells Fargo bank and went to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This drubbing started on XX/XX/XXXX, and they took about 3 weeks to steal the money up through XX/XX/2023.

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 2022-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXXXXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number 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 2020-02-04
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX made a fraudulent debit charge to my account on XX/XX/2020. They did not process the online order because they immediately reported that the order was cancelled and never processed. XXXX XXXX XXXX   acknowledged that they never processed the order. But they immediately charged my Suntrust account for the amount of the order. The charge showed up as a pending charge in my Suntrust checking account as a debit at XXXX on XXXX. Multiple phone calls to XXXX XXXX XXXX over the next 5 days and they could not even verify that they charged my account and XXXX and supervisor XXXX admitted that they did not know if or when the pending charge would fall off of my account but told me to call back on XXXX. Contacted Suntrust because XXXX & XXXX didnt know when or if the error would ever be corrected, and I was left in limbo because if the charge cant be found at XXXX XXXX XXXX, they cant correct it and suntrust will leave the charge pending on my account. Suntrust said that the charge was debited from my account and then debited that same day, XXXX. They know the charge was in error, but would not release the pending funds back to my account. Holding the funds for indefinite period so that they collect interest on the funds. They do this illegally on millions of accounts, fraudulently

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED TRANSUNION AND XXXX  AND XXXX  XXXX XXXX XXXX  Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX  OR TO 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 2023-07-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im unable to see my credit score because of an error, XXXX asked them to fix more than XXXX time Cant log in on website and see my credit report, there an error when I log in that states theres a technical issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
CHAPTERXXXXBANKRUPTCYDISSEDMISSEDXXXX XXXX {$23000.00} XXXX {$1100.00} XXXX {$2700.00} XXXX {$180.00}

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 2018-04-13
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is through PNC Bank. I received a delinquent real estate tax bill on XX/XX/XXXXfor total of {$590.00}. The taxes were dueXX/XX/XXXX for the amount of {$540.00} I contacted PNC Bank and found out they used a company called XXXX to pay {$2600.00} from my escrow account to pay taxes on XX/XX/XXXX. I immediately contacted the Treasurers office and found out that my escrow money in the amount of {$2600.00} was used to pay another persons real estate taxes. OnXX/XX/XXXX the treasurer refunded {$2600.00} to XXXX due to XXXX requesting a refund. That money was never placed back into my escrow account.

I found out that XXXX made a payment on my taxes on XX/XX/XXXX in the amount of {$540.00} ( which was the correct amount ). On XX/XX/XXXX XXXX  requested a refund of the {$540.00}. The treasurers office refunded it and that made my taxes delinquent. On XX/XX/XXXX payments of {$560.00} and {$23.00} were received from PNC Mortgage to pay my delinquent taxes. As a result of these errors, my escrow account and my account with PNC Mortgage is totally incorrect. I have talked to PNC and they told me that it was fine because my taxes were paid. They tried to tell me that the {$2600.00} was not taken out of my escrow in XX/XX/XXXXthen I told them that it was because I can clearly see it online. They went on to agree that it was taken out and would have to be researched. I asked to speak with Corporate, but was told by 3 people that they do not have a number for Corporate at PNC. Im now very worried that I will never get back my escrow money or the extra interest and fees that I had to pay for a delinquent real estate taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: CA
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX

Company response to consumer: Closed with explanation