BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: U.S. BANCORP
State: MT
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:
On XX/XX/2019, I made a reservation with XXXX for a total amount of {$3600.00} and paid for it with my US Bank credit card. During that transaction, I selected their enhanced Cancel for Any Reason plan for a cost of {$320.00} above what is included in the Standard insurance plan. 
After making the reservation, my spouse encountered medical problems and we took advice from our physician NOT TO TRAVEL. We contacted XXXX on XX/XX/19 to cancel our reservation based on doctors advice. One of their agents told us we had 2 options : ( 1 ) forfeit the entire reservation amount, or ( 2 ) accept a voucher credit but receive no money back. I then discovered that XXXX had already charged the ENTIRE AMOUNT to my credit card. 
I researched XXXX and found they have a history of scamming people. I immediately filed a Chargeback with US Bank to recover the money stolen from my account. 
On XX/XX/2019, US Bank denied my chargeback based on FALSE information XXXX gave them during the investigation. XXXX told the investigator I cancelled the reservation on XX/XX/2019, activating the Insurance Policy, but I DID NOT cancel the reservation and could not cancel the reservation because I did not communicate with them on XX/XX/2019 as they stated in their letter to the US Bank investigator. I have email proof and phone records to support this. 
They misled the US Bank Investigator by saying that I could rely on that program for reimbursement. In addition, XXXX states in their letter to me : if you wish to apply payment and travel This proves that their XX/XX/XXXX charge on my US Bank account was UNAUTHORIZED, premature, and illegal. 
On XX/XX/2019, I contacted the district manager of US Bank, XXXX XXXX ( XXXX, XXXX ), and she said to appeal the decision with XXXX XXXX ( at XXXX ). I called Ms XXXX at least 10 times from XX/XX/2019 through XX/XX/2019.  Each time I called, I was told by her assistant that Ms XXXX would return my call within 48 hours, but she never did. On XX/XX/2019, I spoke with XXXX ( at XXXX ) and he said the appeal period lasts only 1 week and unfortunately the deadline has passed, but Ms XXXX has the ability to open an appeal even today. 
On XX/XX/2019, Ms XXXX finally called me and told me there would be no appeal because it is out of her hands. Essentially, US Bank denied me the ability to appeal and provide them with PROOF that XXXX lied to the investigator. 
US Bank is effectively the collection mechanism for XXXX fraudulent operation.

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 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Identity have been used without my consent to open fraudulent accounts I have not authorize anyone to use my Personal Information. I'm highly upset that someone would try to destroy me. please help me to resolve 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 2020-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Firstly I never opened this Capital One credit card number that claims i opened it in XX/XX/2018, which is not correct because I have never associated with a credit, now my own credit union will not even let me open a checking account with them because of this fraudulent account that messing my credit score up not to mention the 36 credit inquiries. I have only made 4 different credit inquiries with 3 different banks which are XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and they all declined me because of all this mess!! I am so sick and tired of all this mess. I'm only a beginner credit score person. I don't need all this horrible mess that I have been having to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
THE MTG BROKER, TITLE ESCROW AND MY SELF HAVE CALLED AND ATTEMPTED TO GET A PAYOFF FROM CURRENT LENDER FREEDOM MTG. FREEDOM HAS LIED AND PERPETUATED THIS FRAUD AND STATED WE HAVE TO SEND THE PAYOFF TO TITLE AND CAN NOT SEND TO YOU THE BORROWER. I HAVE CONTACTED MY ATTY TO HELP BUT IT SEEMS RIDICULOUS ; I HAVE TO GO TO THIS LENGTH TO GET A PAYOFF FOR MY HOME. I AM A XXXX VETERAN AND NEED HELP TO RECOVER THE PAYOFF

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 2019-06-20
Company: EQUIFAX, 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:
Equifax and XXXX are reporting 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2018-11-06
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ive made additional principle payments that would not apply to my balance they would only credit it towards the next months bill. I have always paid my car payment on time and more then the normal amount and my balance at one point actually increased. When asked to give a completed payment history they would only give me the last few months. So I was unable to find the discrepancy and figure out him my balance increased and is not going down

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 2018-03-19
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: Their investigation did not fix an error on your report

Complaint:
late payments that were reporting as late which is incorrect. accounts reporting inaccurate balance and open dates. student loan payment that was paid still being reported as being late. payment status being reported as late when in fact its not late. 
XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was not late but still being reported as late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. was not late but still being reported as being late. received letter stating account was deleted and removed from report but still it was showing on credit report. forward letter with proof showing it was suppose to be deleted and removed from account but got responce that it was verified without any documments to prove such verification.

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 2018-01-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I signed up for Coinbase, thinking that it would be a good idea to start investing in stocks and cryptocurrency was mentioned by many people suggesting that I and others should start investing. I went ahead and signed up for Coinbase at the end of XX/XX/XXXX. On XX/XX/XXXX I invested small amounts, XXXX totaling in {$20.00}, XXXX totaling in {$10.00}, XXXX totaling in {$15.00} ( one {$5.00} was on XX/XX/XXXX and the other 2 were XX/XX/XXXX ) and XXXX totaling in {$10.00}. I let the money sit and I had planned on keeping the money in those accounts to hopefully grow, but I had run into some personal life situations to where I need money to keep afloat, granted I do n't have much invested but anything is better than nothing. On XX/XX/XXXX I proceeded to withdraw the money I had in all 4 accounts to put into my XXXX XXXX, which totaled out to be {$40.00} after they took out fees. I withdrew {$14.00} in XXXX, {$6.00} in XXXX, {$13.00} in XXXX and {$6.00} in XXXX. Afterwards, I went to withdraw the money to my bank. At first it showed my debit card, but it would not let me click it to withdraw into my bank. I look for my bank in the options, it is nowhere to be found. My bank does not have an XXXX number, and I have sent in a request as well to get my money back but it seems like they just scammed and stole my money and I want MY money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Old information reappears or never goes away

Complaint:
My balance has been paid and closed at FCO. This has been removed from XXXX and XXXX although XXXX is not willing to remove account that has been closed and PAID.  They simply want to be stubborn and refuse to have it removed. A representative from XXXX  has expressed that someone from FCO stated " do not remove '' from XXXX. Why not? This account has been PAID and CLOSED. Why is XXXX  the only credit bureau that does this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
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:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting 30 days past due on the XXXX XXXX partial account number XXXXXXXX-XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item 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 explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: NC
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:
Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after 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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after 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 2020-06-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal Message : Dom., XXXX XXXX XXXX. de XXXX XXXX XXXX ID number : XXXX XXXX to this problem, your account has been permanently limited. 
We know this situation must be frustrating and annoying, but you can continue consulting the history of your transactions for a limited time. 
You can get more details about the limitations of your account in the Resolution Center. For more information, contact us and we will everything you need to help you. 
You can withdraw the money from your account within 180 days. We will send you an email when available. We just want to make sure you have money in your account to cover any payment cancellations. 


XXXX ene. XXXX XXXX Your PayPal funds can now be withdrawn. 
To withdraw funds from your account, log in to PayPal. 
We remind you that access to your account will remain limited. 

While access to your account is limited, you can : * Add logos to your auction ads or your website. 
* Update your account information.

* Withdraw funds from your account.

Fine! 

Once this time has passed ... When connecting to my account some time later ... I find a surprise : PayPal - {$1.00} XXXX de XXXX de XXXX Transfer {$1100.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; XXXX XXXX a PayPal XXXX XXXX de la XXXX de XXXX XXXX ; PayPal 's damages caused by Acceptable Use Policy violation I have not violated any policy as they say here, when they blocked my account, there was another reason ... And now they kept all my balance! 


never says that I have violated any kind of policy, nothing at all, this is something that paypal did by force! and is ripping off all users!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: MORTGAGE EXPRESS, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan officer, XXXX XXXX, with Mortgage Express, and realtor, XXXX XXXX, told me to apply for an owner occupied loan, when they both knew that I wanted to rent the property out, in order to take care of my XXXX year old mother. The first loan I applied for with Mortgage Express was for a rental property loan. My offer was not accepted. When I found another home I put an offer on, they told me since I would eventually live in the home ( when my mother passed away ), to apply for a owner occupied loan. When the loan closed, and I informed my home owners insurance company ( XXXX ), they told me I needed a rental policy not home owners. When I contacted XXXX XXXX she stated she knew nothing about home insurance. I plan to occupy this home AND take care of my XXXX year old mother in her home, but I do not want Mortgage Express to do this to anyone else. XXXX XXXX has left threatening messages on my cell phone when I have asked to speak to her manager. She has been trying to intimidate me. How many other complaints do you have against Mortgage Express in XXXX, Oregon?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XXXX of 2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded I do ask that considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to continuing having the positive experience that I have had with you in the past. 


COMPANY INFORMATION XXXX/XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I used PayPal to make a purchase from XXXX XXXX on XX/XX/XXXX. I requested expedited shipping for the item.  XXXX XXXX   guaranteed delivery on XX/XX/XXXX.  Is recurved a notice from the shipper that the item would not arrive until after XX/XX/XXXX. I immediately called XXXX XXXX to cancel . They refused to refund me for 10 days.  PayPal claims to have a payment protection program, where if an item is not received they will refund you.  PayPal has not honored their policy and is protecting the vendor by allowing them to be non responsive for 10 days and hold my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 contested a late fee that decimated my credit score with Bank of America and XXXX  5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see BoA )  or low-tier credit reporting agency allow this to post ( see XXXX  ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.

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 2021-10-15
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Discover to get my account current and up to date on XX/XX/XXXX. Was advised by first agent that he needed to transfer me over to another agent to have a new card sent. This is after I had placed a XXXX payment. Then the next agent advised would have to contact next day after payment post to get new card. So of course I reach out on the next day XX/XX/XXXX and speak to another agent who advises that my account is closed and a new card can not be sent. This clearly could have been shared by the first two agents on XX/XX/XXXX. But instead they chose to take my money and not advise me of account closure and led me to believe this would make my account current and I would be able to get a new card sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent convergent outsourcing a certified letter on XX/XX/2020 which they received on XX/XX/2020 asking for proof of this debt, I have never had XXXX, I have been with XXXX XXXX for as long as I have had a phone and can provide proof, so I know this is not my debt. I would like to see verifiable proof such as a signature, contract, or drivers license so that I can get to the bottom of this problem but they will not respond but yet continues to post this debt on my credit report, I would like to see verifiable proof or for this fraudulent debt removed 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 explanation