BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had US Bank account ( opened in XXXX AZ ) but no online access to this account. 
Later I moved to XXXX TX during mid ofXX/XX/XXXX. On or abouXX/XX/XXXX Without any warning US Bank deducted {$8.00} from my bank account for monthly maintenance fees most probably for keeping balance less than {$1500.00} per month. I will say - in their response they will say that at the time of opening of this account -it was mentioned in the fine prints. But don't you think that they should have at least send a communication about non compliance rather than directly deducting the fees? 
Moreover I don't have the online access for this bank account so I couldn't figure out anything. 

Made the complaint to CFPB ( XXXX ) and usual response from US Bank that read our fine prints etc ... 
US Bank retaliated against me by further. I simply wanted to close my account and mentioned this in my complaint to CFPB also. 
Rather than helping me this bank caused further damage. I tried to withdraw my balance ( which i thought it should be there ) Not only they dishonored my check - it resulted into check return fees of {$7.00} into my XXXX XXXX  account. 

I never had overdraft protection on this account so why this bank keep on charging me {$36.00} overdraft protection fees? 

On XX/XX/ opened another CFPB complaint ( XXXX ) OnXX/XX/XXXX opened another CFPB complaint ( XXXX ) Please refer to the current letter from US Bank. They just keep on adding their charges. 
I can't pay any of this. At the same time - it's none of my mistake - so I don't want any remarks on my credit file which impact me in the long run.

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 2019-05-15
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019, I learned a credit account had been opened in my name at Barclays Bank. The card had an outstanding balance of {$15000.00}. I called Barclays Bank to notify them of the fraudulent account and was told they would investigate. I completed an Identity Theft Report at the Federal Trade Commission website. I printed the report, sent it to Barclays along with a letter requesting the account be closed and reported as fraudulent to the credit bureaus. I froze my credit report at all 3 credit bureaus and mailed them the identity theft report along with a request the account be removed from my credit report. On XX/XX/2019 I filed a incident report at my local police precinct and a police report was issued. I faxed the police report to Barclays on XX/XX/2019, then followed up with a phone to Barclays on XX/XX/2019. When I called I gave the representative the name and contact information for the Detective assigned to the case. As a result of the Detective 's investigation an arrest warrant was issued, an arrest made, and a guilty plea entered in court. The guilty plea was entered on XX/XX/2019. On XX/XX/2019, Barclays called me to inform me they had completed their investigation and determined the account was valid. On XX/XX/2019, I faxed additional documentation to Barclays, including a letter for the US District Attorney 's office documenting the guilty plea on the charge of credit card fraud. On XX/XX/2019, I called Barclays to follow up, according to the representative, the documentation faxed XX/XX/2019 had not been reviewed, but would be forwarded to the investigations team. The account remains under review. Over the last 3 months, I have received 2 letters from Barclays stating their investigation was complete and the account is valid. I have spoken with multiple representative who claim that purchases made with the card, including groceries, were household items and therefore I am responsible for the account. Every time I call Barclays, I am place on hold multiple times, transferred at least twice or asked to call back at another number. When I call, I never speak to the same representative more than once.

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 2018-12-04
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2018 I filled out form in order to open an account at Suntrust Bank considering I was about to start work and needed an account to receive my wage. 
As per the teller information, my account was opened. They gave me my bank details and copies of documents related to the account opening. I also made a {$100.00} deposit. 
When I started working on XX/XX/2018 I gave my Suntrust Details for my employer for Direct Deposits purpose. 
In the other hand, my debit card never arrived. I got in touch with the Bank on the first week of XX/XX/XXXX and was informed that my account had been closed. Ive never received any explanation about that. 
For my Surprise, for the time being my deposit was not returned. 
Suntrust cancelled my account and never returned my money. 
I would like to file a complaint to get my case solved and my money returned.

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 2019-05-15
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payment made via check # XXXX shown by bank as withdrawn on XX/XX/19 by XXXXXXXX XXXX. Account has NOT been credited yet and interest accrues daily. I emailed them and got back a " sorry we did not receive it " email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: UT
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 BEEN FIGHTING THIS ACCOUNT SINCE LAST YEAR AND THEY HAVE INNACURATE UNVERIFIED INFORMATION REPORTING TO ALL 3 COMPANIES I HAVE ASKED THEM TO DELETE AND INSTEAD THEY JUST KEEP UPDATING WHEN INFORMATION IS COMPLETELY WRONG. ON XXXX IT SAYS LAST PAYMENT WAS IN XX/XX/2016 BUT YET EXPERIAN SAYS NO GOOD PAYMENTS AND XXXX DOESNT EVEN HAVE ANYTHING. I ASKED THEM TO DELETE THIS ACCOUNT AND INSTEAD THEY JUST KEEP REAGING WITH DIFFERENT INFORMATION. THIS IS WRONG AND INNACURATE AND NEEDS TO BE DELETED. I HAVE ATTACHED PICTURES TO SHOW YOU WHAT THEY KEEP DOING.

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 2015-08-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I found this an entry on my consumer credit report from ARS. I have no idea what this debt is and attempts to have it verifified have been unsuccessful. In addition the debt reports with a balance of {$670.00} and a start date of XX/XX/XXXX on XXXX and XXXX, but reports from the same company with a balance of {$6500.00} on XXXX and a start date of XX/XX/XXXX. In addition it is listed twice on XXXX. This is unfair and illegal credit reporting. This company has failed to provide any verification of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: TN
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:
account information does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Jon Barry and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX XXXX XXXX XXXX ) {$760.00} XXXX XXXX, XXXX This company has put this on my credit report ( XXXX XXXX XXXX XXXX ) in collections and they are n't licensed to collect in TX nor do I reside in MS or NC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
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:
I have contacted Equifax on Several occasions in reference to some unauthorized inquires on my credit report from XXXX XXXX XXXX XXXX. I was told by different Reps that the inquires would be disputed, in a matter of days the results would come back as being factual. I contacted XXXX XXXX XXXX XXXX and their reps stated they did not receive anything from Equifax. I was also told by a rep to get a letter from XXXX XXXX XXXX XXXX stating that the inquires was unauthorized and send it to them and they will remove the inquires. I faxed over the letter to Equifax and called them to see if they received the letter. The Rep that I spoke to his name was XXXX, told me that now I have to contact XXXX  again and tell them they need to contact their business office. The rep I spoke with at XXXX told me they don't contact Equifax and that the letter should be enough. 
I'm just trying to get my credit report correct, I gave Equifax the information they requested and now they are giving me the run around. All I want is my credit report to reflect how it is suppose to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Account status incorrect

Complaint:
This is XXXX 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, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$600.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2000.00}

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 non-monetary relief
Consumer complaint received 2022-02-02
Company: Viking Client Services
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from Viking Client Services stating that I owed a debt from XXXX XXXX. I followed up in a letter dated XX/XX/XXXX to Viking disputing that I owed debt and asserting the rights afforded to me under the FDCPA and FCRA. The letter was sent by Certified US Mail and receiving by Viking Client Services on XX/XX/XXXX. No communication was receiving by me from Viking Client Services supporting that the debt actually belongs to me. 

I received a letter on XX/XX/XXXX dated XX/XX/XXXX that Viking Client Services is attempting to collect the same debt. Viking Client Services did not send a validation notice and failed to respond to my certification letter sent on XX/XX/XXXX. Instead, Viking Client Services sent the aforementioned letter dated XX/XX/XXXX in attempt to collect the unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Experian Information Solutions Inc.
State: TN
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:
I never attended college in XX/XX/XXXX so I do not understand these late payments. I never received any bills or statements.

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 2019-05-15
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was notified today that my credit score was impacted due to going over the limit with my Commenity Overstock Credit Card and I logged into my statement and saw two charges for {$150.00} and one charge for {$410.00}. That is a total of {$720.00}!!!!! How can this possibly be ethical. I don't care what their justification is. This is literally ruining my life. How can they be so cruel, unfair and deceitful?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Atlanticus Services Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fortiva closed my account because I exceeded my limit. They sent me notice in the mail, in that notice it stated that I could call and make payment arrangements. When I called the Rep told me that my payment due for XXXX would be {$47.00}. A minimum payment of {$140.00} is showing online and in my statement. I wanted reassurance that if I paid the {$47.00} it would satisfy the XX/XX/XXXXpayment due. He said that only if I make that payment right then and there on the phone that it would. He could not provide any documentation that this was indeed true. I asked if it the payment amount would update online and he said if I tried to pay online I would have to pay the {$140.00} and it would not update to the new arranged amount. My due date is not until the XXXX, and I alway pay online, I simply wanted to pay closer to the due date. The Rep then said it was all still in process and that I needed to pay immediately. Keep in mind I have never been late, and all my payments have been made online. The letter they sent clearly states that I CAN make arrangements, the Rep could neither explain this or did he care to explain how I would ever have documetation of such payment arrangement. I would ask that the phone call be pulled so that CFPB can hear the circles and lies that were being stated by the Rep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I called in beginning of XXXX and I did a balance transfer in the amount of XXXX to XXXX card services and it went through and approved and got a letter in the mail on XX/XX/XXXX and saying the balance Transfer is processed and it had a wrong zip code on that letter and I was told that I wont be able to resubmit a balance transfer for 30 days and I was have trouble paying my bills this month due to the error on the bank end and the bank dont want to apologize or cancel the balance transfer

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 2022-10-04
Company: EQUIFAX, INC.
State: MD
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX PL XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am still missing my wire transfer and it was NEVER credited to my coinbase account. Details are as follows:Name on a/c: XXXX XXXXAmount: $XXXXSending Bank: XXXX XXXX XXXX XXXXDate Sent: XX/XX/18Fed Ref for wire tracking: XXXXReceiving Bank:  XXXX XXXX XXXXRecipient:  CoinbaseCoinbase Ref #: XXXXMy telephone # XXXXMy funds have been in limbo too long and I was charged a $XXXX fee for wiring these funds. This is very disappointing & difficult to understand how it could possibly take this long to credit or deposit funds into my Coinbase account or refund my wire back to my bank acct.I have called XXXX XXXX XXXX, they acknowledge receipt of the funds and stated this is a Coinbase problem.  The only way to contact Coinbase is "online" support tickets, which they send preformatted responses to customer inquiries.  No one has taken ownership of this issue nor replied where my missing funds have gone.  Coinbase claims to be FDIC insured.  How can a bank or brokerage firm be govt regulated and operate with impunity?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: JPMORGAN CHASE & CO.
State: MI
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:
They put hard inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 posting XXXX has not stop reporting XXXX XXXX XXXX XXXX and XXXX XXXX  .multiple times and fraudulently stating XXXX the status statement that accounts were removed when the accounts are still on my credit report for XXXX XXXX is posting that the above accounts are removed But they are not. 
Secondly. XXXX XXXX XXXX has removed current and in good standing account XXXX XXXX I never said remove that good standing account.XXXX XXXX system is missing up my credit status and score 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 2018-06-05
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello I recently sent money to someone through PayPal and did not receive what was promised. Is there a way to get my money back after this scam? Anything helps! Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25
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: Information is missing that should be on the report

Complaint:
My new employer information is not on my credit file it only has my previous employer information.

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 2019-05-15
Company: Avant Credit Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was at XXXX and buying breakfast for my XXXX daughters 's the total came to be XXXX $ The credit card has {$19.00} in credit so I assumed that since you have the credit you can use it, Well Guess not. They declined the transaction cause I missed my due date by two days??? Even though I scheduled the online payment. Keep in mind I never missed a payment. In any credit card there is a grace period!! and in what law that you have a credit on your CREDIT card but you can not use it!!! 

I talked to XXXX and he literally did not give a XXXX about what I had to say. all that he kept saying I will get your complaint to our escalation team. 

The emotional stress that I had to go through is priceless. Where in the world you can not use your credit if you have it on your credit card????

Company response to consumer: Closed with explanation