BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 I used my Macys American Express credit card to buy an item from Macys for the amount of {$15.00}, Time passes By and I didnt receive any statement for my bill until 3 months later I received an email for a past due payment of around {$90.00} including the late fee of course. I called and told them that I havent received any bill for the past couple months, so they just waived some of the fees and I ended up paying about {$30.00}. 
This is not the problem, the real problem is that they reduced my credit limit from {$2000.00} to {$300.00} and they reported to they credit bureau that I missed a payment for two months. And my credit score dropped really bad. I never missed a payment in my life and I had an excellent credit score. It felt like a set up, everybody is busy around XXXX time and were all humans we forget things, thats why the credit card company send bills and reminders to pay. 
Please help me fix this, because I really felt helpless when I tried calling my credit trying to fix that issue. 
Thanks for your concern.

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 2019-09-27
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Thursday XX/XX/XXXX I tried to purchase tickets from An individual who said he had two tickets for XXXX  $ so I went for it like an idiot. The person blocked me after payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: DE
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 XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and it seems that this will never end. I check my credit profile weekly and have signed up for numerous credit monitoring services in order to monitor my credit profile. I have submitted a dispute in reference to a fraudulent XXXX account and this account is still reporting on my credit file. i submitted the required documentation and this account is still reporting. I have also submitted a complaint to the XXXX and the XXXX as this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Ameritech Financial
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have student loans for which I will qualify for the Public Service Loan Forgiveness program when meeting the terms of 120 on time payments to consolidated XXXX XXXX and working for a XXXX company during the time of those 120 payments ( 10 years ). I thought I had met the terms as of XX/XX/XXXX but found out my loans were not consolidated. At that time ( XX/XX/XXXX ), I was contacted by Ameritech Financial. I was led to believe I needed them to get my loans transferred to XXXX XXXX and consolidated. They also convinced me that in order to quality for the PSLF program, I needed them to keep documentation of my payments and paperwork needed, they told me this was one reason why I was turned down when applying for the PSLF because I did not have the 10 years of documentation.I believed they were a part of XXXX XXXX. They sent me forms from XXXX XXXX to get filled out ( Income Based Federal Form, General Forbearance Request Form ). I also had to send them Pay stubs, XXXX Tax return, bank routing information and signed releases to get my loans consolidated with XXXX XXXX.I was told everything was ready and beginning XX/XX/XXXX, I would be paying {$74.00} that goes to XXXX XXXX XXXX and {$99.00} that goes to my loan, then after 13 months the {$74.00} would no longer be needed to process all this and {$99.00} would be my loan payment.They also created my account in XXXX.

I recently received a letter from the FTC dated XX/XX/XXXX stating Ameritech is being sued or deceptive practices and outlined what I needed to know and steps I can take about it. I was devastated to say the least, I was mislead in a huge way and gave personal information to a company I thought was working on behalf of XXXX XXXX who has done nothing but steal my identity and my money for now 17 months.! I tried logging in to XXXX  to find out the security questions were changed and so I could not access my account. I called XXXX XXXX  and spoke to them and found out the {$99.00} that Ameritech set up as an auto withdrawal out of my bank account for 16 months was not going to my loan at all. I contacted my bank to stop the XX/XX/XXXX payment but they will charge me {$22.00} to do that and said if Ameritech ( XXXX XXXX XXXX ) changes a letter in the name ( XXXX  ) the money goes to or even the amount by a dollar, the stop payment will not catch that so the only way is to call them to stop the payments. I did call Ameritech but got an answering service to only be able to give a message and was told I would be called back in one or two days. The message I left was : to cancel my account, request a full refund and stop the XX/XX/XXXX and further payments to them. I made that call on XX/XX/XXXX - have not heard back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT, I HAVE IDENTIFIED SOME INQUIRIES LISTED THAT WERE NOT AUTHORIZED BY ME, PLEASE HAVE THOSE INQUIRIES REMOVE FOR THEY HAVE BEEN INACCURATELY PLACED ON MY FILE.

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 2020-05-18
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pretty simple. US Bank is representing their Jumbo Mortgage 30 year Fixed Product.  3.5 % and XXXX APR - the same as their conventional product 30 year fixed which is impossible. You can check the website - but also printed it to PDF. 

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 2020-01-24
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I never authorized anyone to transfer funds from my account using Zelle. 
On XX/XX/2020 two transactions were made. Two different people. 
One in the amount of XXXX and the other in {$1200.00} I am being scammed, never authorized the funds to be sent. And both my bank and zelle refuse to take on liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, As a foreign national I know that I have to update my residency document submitted to the bank ( Bank of America in this case ) periodically. I was on a XXXX XXXX ( which was valid until XX/XX/XXXX ) when I received my green card on XX/XX/XXXX. Knowing the bank would request a proof of residency at the end of the year, I proactively went to a local Bank of America financial center in XXXX, NH in Summer XXXX ( sometime in late XX/XX/XXXXor early XX/XX/XXXX) and asked the bank teller to scan and save a copy of my green card in my file. Along with me, my wife also provided her green card to update her documents. The teller and her colleague expressed their amusement as they had not seen a couple of customers proactively updating their documents. 

The local financial center did not upload the document ( the copy of my green card ) to the appropriate department ( this is acknowledged by the center managers in my recent visit ), so they sent a letter on XX/XX/XXXX asking for the same document. Considering I had already provided the document, I dismissed the letter. They sent a second letter in XXXX, when I was abroad ( from XX/XX/XXXX - XX/XX/XXXX ). Since I could not have possibly responded to the second letter, my two checking accounts were frozen and my credit card account was eventually closed before my return to the country. The restriction on my checking accounts disrupted my automatic bill payments that resulted in late fees and possible credit score penalties.

The closure of my credit card, however, is expected to have a more significant impact. This credit card was my oldest credit card ( 9 yo ) and with $ XXXX limit accounted to ~37 % of my total credit limit. Therefore, its closure is going to reduce the average age of my credit history and the percentage of credit card utilization with mild and high impacts, respectively. This negative impact will lower my credit score, which in turn reduces my chances of getting lower rate loans in the future.

This mistake and periodically asking for documents while the one in file is still valid is a common practice for Bank of America. It has affected me, my wife and at least 3 of my friends ( I am willing to provide contact information of those whom I know are affected ). It has resulted in numerous unnecessary visits, phone calls, emails and unjustified  account freezes and closures. I am writing to ask the CFPB to look into this practice and take necessary steps to prevent the bank from repeating the same mistakes in future and compensate those who are affected by this practice. 

Best regards.

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 2021-01-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a voice mail from caller ID XXXX XXXX saying there was a {$200.00} charge on my Chase/Amazon card. The charge is on hold I should call the above number and have it taken off hold. They said my card was compromised. Call came in on XX/XX/2021 XXXX XXXX. Chase/Amazon said no problem with my card must be a spam call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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 am a victim of identity theft therefore I often check my credit reports across the three most popular bureaus XXXX, XXXX and XXXX. On XX/XX/2019 I additionally requested a copy of my credit report from another reporting agency, Chexsystems. When I received the results from Chexsystems it was founded there were 0 accounts delinquent but there had been several attempts to pull my credit accruing several inquiries. I reached out to chexsystems to make them aware that it was fraud attempts on my name and requested to have the inquiries removed. I then submitted a written request to have the inquiries removed. I have yet to see results. The companies reporting inquiries include 3 attempts  from XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX. These accounts are Unverifiable. Please remove ALL inquiries for they are not mine and consequently are having a negative impact to 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 2020-08-28
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
( 1 ) In the month of XXXX, I made 9 conversions between one digital currency and another. During that conversion, there was no disclosure of any fee for the transaction. It actually says that the Coinbase Fee for the transaction is XXXX ( see example image ) as stated on the order preview for the conversation. 

Post conversion, I realized that the post conversation dollar amount was far less than the pre conversation dollar amount. 

Upon complaining to Coinbase, I received the following. Note, I am an expert on these types of derivative transactions and this is an entirely false claim -- if there are funds reserved for liquidity or volatility risk mitigation, those funds need to be returned to the beneficial owner and not retained by Coinbase. Also, I have gone back to them several times for clarification and asking for the exact mechanics of the swap/conversion. They have refused to address after several attempts. 

" Hello xxxx, I'd like to explain what happened and why the fiat value of the funds you received is not the exact same as the value you were expecting. Depending on the volume and prices of orders on the order book at the time when a conversion is created, the conversion may fill  at a price less favorable than the most recent trade price, in some cases significantly so. This is commonly referred to as 'slippage '. This can cause an order to produce results that are more favorable, equal to or less favorable than original expectations. 

Per our Pricing and Fees Disclosure ( https : //help.coinbase.com/en/coinbase/trading-and-funding/pricing-and-fees/fees.html ) : Coinbase applies a Spread of two percent ( 2.00 % ) for Digital Currency Conversions. However, the actual Spread may be higher or lower due to market fluctuations in the price of Digital Currencies on Coinbase Pro between the time we quote a price and the time when the order executes. We do not charge a separate Coinbase Fee for Digital Currency Conversions. 

I hope this information helps! 

Regards, '' ( 2 ) Many days, even weeks after transferring money ( and the money being fully debited from my arround ), it is still often unavailable to transfer out of Coinbase. This is likely because they are using the funds internally to generate revenue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
As of XX/XX/XXXX I have 8 XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX  Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, 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 2021-01-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Escrow analysis was done incorrectly. Taxes paid in lump sum not semi-annually, which deducted more than it should have from my escrow account creating a negative balance in my escrow and increasing my overall escrow payment. Illegally collecting more money than they should be. Requested a new escrow analysis and was never contacted by the company on any update at all. Just told there is no significant change. Escrow does not jump {$200.00} for no reason. I have attached previous escrow analysis documents to show the error in their payment of the taxes, which resulted in a much more significant shortage than it should have.

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 2019-02-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
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 duplicate inquiries on my report and it doesn't seem as if they perform a proper investigation to fix the problem. It is with One Main and the dates are XX/XX/2017 and XX/XX/2017..This has impacted my report negatively and has repeatedly caused me to be turned down for lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
From my credit report from XXXX  and TransUnion there is credit inquiries that I did not make. XXXX bank on trans union saw XXXX as well. XXXX has inquiries from XXXX XXXX credit Card Cos. Also capital one. I did not make these inquiries. Please take them off

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 2021-02-23
Company: Dovenmuehle Mortgage, Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan originated in Hawaii with XXXX XXXX XXXX, a few years ago servicing was sold to another company - Dovenmuehle. My loan was paid off on XX/XX/XXXX. Dovenmuehle retained the balance in my escrow reserve account. Property taxes were due on XX/XX/XXXX. I previously called Dovenmuehle Customer Service ( early XXXX ) to find out if they were going to pay for the property taxes or, if they were going to refund the amount to me. I was told they are refunding the amount and I should receive the check ( {$450.00} ) by XX/XX/XXXX or XX/XX/XXXX. Today is XX/XX/XXXX - no check received. Called Cust Service again today. Said I should receive the check within 12-15 business days. This is unacceptable. They can not even tell me if or when the check was sent. I had to advance the funds for the property taxes so I would not be delinquent. How long can a Servicer hold on to funds due to me after my loan was paid off? They could not even tell me if the check is being mailed to me ( in Hawaii ) from the East or West coast. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: CA
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:
A {$75.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my 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