BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-01
Company: Professional Service Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XXXX XXXX, XXXX the XXXX XXXX XXXX in XXXX XXXX erroneously submitted a claim # XXXX to my insurance XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleging that they tested me for Vitamin D deficiency. 

On or about XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reviewed an appeal submitted to them by the XXXX XXXX and upheld the previous denials. And essentially stating that the alleged laboratory procedure was " considered not medically necessary in clinical situations such as with this patient who is XXXX without a documented risk factor for vitamin D deficiency, who is not institutionalized, and who is not at documented risk for developing complications related to vitamin D deficiency. '' A more detail explanation of the denial is set forth in the XXXX XXXX, XXXX sent herewith. 

In a nutshell, the XXXX XXXX is attempting to collect {$320.00} of monies not owed by me. Such alleged laboratory testing procedure was not authorized by me and clearly not medically necessary.

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 2017-11-01
Company: Experian Information Solutions Inc.
State: HI
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:
Previously XXXXXXXX XXXX XXXX was reporting same time as XXXX funding on my credit report after XXXX XXXX had sold my account to XXXX in XXXX of XXXX I paid XXXX and they removed from all my credit reports I sent a letter to XXXX XXXX in XXXX on why they are still updating my reports as late they replied back with a letter stating they no longer own my account they sold to XXXX and to contact them then again in XXXX they updated my account as late. I have supporting documents to verify this statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: PNC Bank N.A.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have requested that pnc bank send me all documents pertaining to a car I had with them. I sent multiple letters, made multiple calls, and even faxed over a request to a department that never confirmed if they received my personal information because I cant call or speak to anyone from that department. This gas been very frustrating trying to get all the documents and information I have requested from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
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 recently reviewed my credit report and found unauthorized inquiries. 
NO proof I initiated such inquiries, nor written authorization Remove these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.I was informed by creditors that you should remove. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer  reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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 2022-02-14
Company: Experian Information Solutions 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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2017-11-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX I checked my account and there was an available balance of {$800.00}. I checked later that evening and no transaction was posted. On XXXX XXXX, I signed into the account and realized I was - $ XXXX # XXXX was posted and that brought my balance to the negative. On my way to work, on the 31st, I stopped at Wells Fargo ATM machine, deposited {$360.00}. I called Wells Fargo customer service, explained that on the 30th there were no pending transaction for {$920.00}, I only say it posted the morning of the 31. The agents said she did n't see any over draft fee posted. Later on during the day, I got hit with over draft fee of {$35.00}. I called Wells Fargo explained to them numerous times, even spoke to a supervisor ( very rude and unprofessional ). All am saying it was n't my fault that I over draft, the check did n't show pending and I did n't see it pending on the 30th. I was told no. I think it is unethical the disgusting way Wells Fargo robs it 's customers. All am asking is to wave the fee or at least give half back. I am a struggling mom, trying to make ends meet. Very disappointed in the service.

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 monetary relief
Consumer complaint received 2017-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently ordered my credit report from Trans Union and noticed that there were a few inquiries that I did n't recognize or authorize, XXXX XXXX BA XXXX XXXX, XXXX XXXX XXXX NA 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 XXXXXXXX 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 2017-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
USAA will not allow a credit card product change. I want to switch reward programs. They claim that the " Card Act '' will not allow me switch credit card products and that in order to do so I would have to open a new line of credit. USAA is the only company I know of that will not allow a product change. It is unfair to the consumer. The purpose of the law is to protect the consumer. Instead USAA uses it to keep costumers from negotiating better terms while allowing USAA to change the terms of the deal ( intrest rates, reward points, etc. ) at will. This means its possible for a consumer to open a line of credit with USAA due to an appealing reward program, and then have USAA changes the rewards program without allowing the customer change products.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received my county tax bill and faxed it twice and emailed it twice to the company because they never got the ones i sent. Finally they " received '' it XXXX they say even though i sent it before. It shows that i am being overtaxed a substantial amount. The first two reps i spoke with said they would request an escrow analysis and a tax analysis and not to worry i would get the refund and a lower payment. They currently have XXXX in escrow after they paid my county taxes that i have requested be sent to me. I waited two weeks and did not hear anything. I called back and was told it was never requested and they were so sorry etc. I requested a manager at that point. Her name was XXXX. She seemed knowledgeable enough and like she wanted to help. She said she escalated the issue and it would take 7 days to complete at the most but should take 3 because she escalated. She even gave me her direct line. Well i waited 3 days and called XXXX  and left several voicemails to which she never replied or called back nothing. She never answered her phone either. So at that point the next rep i spoke did not have a clue as to what i was asking or talking about so i requested a new manager. I received a manager by the name of XXXX XXXX who SWORE to stick with me and get this fixed and that I would n't have to make my XXXX payment until this was resolved and assured me he put all late fees on hold and i would hear from him by XXXX. Well it is XXXX and i have called every day since XXXX and hes always busy. In fact whenever I ask for any manager they are all to busy to talk to me. Every single rep i speak to gives me a different answer. This last one told me on no i wo n't receive a refund of my escrow until XXXX because in her words these things take time and that I would in fact have to keep making my overstated payment until them. I of course let her know that is not what the managers are telling me and requested to speak to another one. She REFUSED to give me a manager instead told me again they are all just so busy and she can assure me her answer is accurate so at that point i hung up. This company is a joke. I had no choice in who they sold my mortgage too and i ca n't get any assistance. I am being over taxed. I want my overage in escrow refunded to me. I have XXXX kids and could use that money. No one there seems to care or know what the heck is going on. I get different answers every single time i call. To date no one has called me back.

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 2022-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX former XXXX ( XXXX ). I would like to file a complaint against HSBC for damaging my credit report. Account number XXXX belongs to my ex-husband XXXX XXXX XXXX to whom I've been divorced from since XX/XX/2019. Apparently, I might have been an authorized user of his card, but this has never been my account. I am not the owner I have made several attempts to HSBC to resolve this issue and I was told that they can not communicate with me because I'm not the owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: U.S. BANCORP
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX Bank credit card is charging foreign transaction fees on transactions done in USD. 

When I called and asked about the fees, they could not tell me the currency used to convert to USD or any other information about the foreign transaction fee. 

My call was escalated to XXXX at US Bank. She informed me that the transactions were submitted in USD but I was charged a 2 % foreign transaction fee because the bank is a foreign bank. 

They told me it was calculated by XXXX and not US Bank. 

The fees total more than {$15.00} so far.

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 monetary relief
Consumer complaint received 2017-11-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
complaint about COINBASE my name XXXX XXXX XXXX address XXXX XXXX - XXXX XXXX XXXX - XXXX account in bitcoin XXXXXXXXXXXX on XXXX of XXXX i deposited XXXX eur to COINBASE deposit account as a deposit to start trading and buying and selling bitcoin. On the XXXX i got an email saying the deposit arrived from a XXXX account. which is correct, i have a private account in XXXX, but apparently payments from there are n't accepted. 

they also said in the same email the funds would because of this reason be reversed to my account within 1-2 business days. 

now on the XXXX of XXXX, still no payment in my account back. 

after 15 days still nothing in my account when they supposedly reversed my payment. 
please can you check i need this money in my account back asap. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

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 2021-05-18
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I have reached out via mail to the following credit bureau about a collection company that's reporting on my credit. I have asked for validation if such debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested the removal of the mortgage Insurance ( MIP ) based on MN status 29 and asked for a new appraisal of my home. I have asked for this consideration a number of times over the last 4 years. The loan-to-value ratio was always based on the loan closing date of XXXX XXXX, 2009. 

I was able to collect information from the Mn department of Commence, state status 29 which allow the loan to value ratio to be considered by the current value of the home, after a appraisal has been done. 

After, submitting my request I received US bank 's same standard form letter which I have gotten in the past. There was no mention whether or not the state status was considered. 

My question, could have US bank considered the status 29 or decidedly went with what favors them and not the consumer I have been unemployed since XXXX XXXX and without unemployment income since mid XXXX without missing any payments. I do n't feel they care if I remain a home owner or not

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 2017-11-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased an XXXX XXXX XXXX filter on XX/XX/XXXX. It was {$560.00}. I paid extra for delivery by XX/XX/XXXX. The amount was charged to my Amazon card. The air filter was never delivered. I called to cancel. I was initially told that Amazon could not refund me the amount until the " carrier '' sent the item back to them. I told them the Amazon website says the filter was never sent to the carrier for deliver to begin with. Two ( 2 ) customer service representatives on different occasions told me the charge was removed from my account. As of today, the charge is still on my account accruing interest. I attempted to engage in a chat online to resolve the dispute and the customer service representative ended the chat saying I had to file a disputed charge. Amazon continues to charge me interest each month on this unwarranted charge for an item I never received.

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 2017-11-01
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX of XXXX for an amount of XXXX through XXXX XXXX XXXX. Since the purchase of XXXX I have had 4 different loan companies acquire my loan and the current loan company is Ocwen Loan Servicing. I fell behind on my mortgage back in XX/XX/XXXX and brought it to current on that year. In late XXXX, Ocwen offered a loan modification which never went through or they did not honor. I maintained the monthly payments of approximately XXXX for about 7 months until they abruptly stopped accepting them around XXXX of XXXX. I asked why the payments were not being accepted and never got a clear explanation. Ocwen then again offered me another loan modification which put on a 3-month trial which would have ended in XX/XX/XXXX. I made the trial payments but when I went tried to pay online, the monthly amount had changed drastically from XXXX ( approximately ) to over XXXX. I am a victim of a predatory loan for which I have paid over 10 years and as early as XXXX XXXX, my XXXX loan has turn into a XXXX with Ocwen as the worse of them all.

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 2022-03-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I received information that on XX/XX/XXXX approximately {$210.00}, my Synchrony XXXX XXXX credit card was charged. I disputed this charge in XXXX, XXXX. The credit card issued denied my fraud claim stating I received benefit from this transaction. I attempted to call the credit card company and was not given any information as to why this claim was denied, saying only that they investigated the claim. I am wondering what kind of investigation was conducted. I was told by the fraud XXXX initially that the card was not used for the purchase, but that the stores are able to look up accounts if a person does not have the physical card on them. I believe somebody with my personal information used this to their advantage and caused a charge to be made to their account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion 's customer service would not help and remove above negative inquiries reporting to my credit report. Inquiries I never consented too.

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 2017-11-01
Company: EQUIFAX, INC.
State: MO
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 found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXXXXXX , IN XXXX

Company response to consumer: Closed with non-monetary relief