BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This complaint relates to Suntrust Bank ( now Truist ), XXXX XXXX Bank ( correspondent bank for XXXX in the XXXX ) and XXXX. On XX/XX/XXXX I visited the XXXX XXXXFlorida office of SunTrust to initiate a wire transfer to XXXX XXXX XXXX XXXX XXXX in the XXXX in payment for a contract with a due date of XX/XX/XXXX. The wire was in the amount of {$12000.00}. The wire was not delivered in a timely manner and I subsequently contacted the company representative who processed the wire. He initiated a trace. My contract was now in jeopardy. Numerous emails later including to the Office of the Chairman ( which has not been responded to to this day! ) the company refunded my fees and contacted the recipient in the XXXX to confirm my having sent the funds. A referral to the supposed XXXX XXXX XXXX resulted in no action taken, I have been promised action that has not materialized, hung up on and ignored by every party at SunTrust with the exception of the gentleman who initiated the wire in XXXX XXXX. I had asked the funds to be returned to my account so that they could be sent though other channels which have subsequently proven to be much more effective and at significantly less cost. This never happened. 

THE FUNDS WERE FINALLY DELIVERED TO THE RECIPIENT ON XX/XX/XXXX! This is fully a month and a half after the wire was sent. I have yet to receive an explanation as to exactly why this occurred from any party. 

I can provide an extensive email string related to my attempts to resolve this matter with the company.

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 2017-07-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX 2017 I reuested a credit report to dispute a report. I only wanted a report. Since then Experian has billed my banking account a total of close to 75 dollars. They were billing my bank card for services I did not know or request. XXXX were also billing my card. I called on XX/XX/XXXX to have this cancelled and a full refund. I was told they could issue only one month and could tell I received emails but could tell I did not access the account. I was told to email customer support. I emailed customer support and on XX/XX/XXXX. I received an email saying they were not going to refund my account and to call customer support. I called customer support and the sup XXXX said they were not going to issue a refund for services they provided. I advised that they can not just charge me for access to all three bureaus because XXXX were already charging me as well for services that XXXX XXXX was doing for free.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( TRANSUNION, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. 
UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
TRANSUNION, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : 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 FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, TRANSUNION, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.

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 2019-08-02
Company: JPMORGAN CHASE & CO.
State: NC
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:
In XX/XX/2019, a computer was purchased from amazon. The item was defective and returned 12 days after in XX/XX/2019 via XXXX with tracking number XXXX. The item was initially refunded and all was well. XX/XX/2019, the credit card was charged again for this item and that is when everything went downhill with chase. Someone had opened a dispute with them and they stated we had to submit tracking information for the return of this item. When there was no response they closed it in favor of the seller. We had no idea that there was even a dispute. The letter received was online and because we did not know there was a dispute, because neither of us recall contacting chase, we did not look at the online letters. If that was the case, we would have promptly provided the documentation needed to be refunded. After talking with amazon and chase for over a month because somehow, a dispute was reopened. Tracking information was provided again and on XX/XX/XXXX, we received another letter from chase stating the charge was valid. After speaking with XXXX with chase disputes in XXXX XXXX Texas, he stated that the charge was valid and deemed valid because the tracking information was not provided in the initial time frame on the initial dispute. Basically, after reopening the the dispute, the tracking information provided on the second time disputed was not looked at and that the only way that we can dispute this again is to write a written letter disputing it and why we are disputing it. This is for over 1000 dollars and tracking information as well as documentation from amazon and the seller provides proof that the charge is not valid. We were not asked to provide any other information this time other than tracking so if the tracking was not going to be enough, I should have been told this one of the 23 times I called about this dispute. This is an illegal practice and there is no legal way that this charge is even valid. Their process for determining that this is a legal charge is not right and should be corrected along with all the time and money Ive spent disputing this charge. The seller stated that the item was returned and that they refunded a smaller portion due to signs of use and the item was working which is not fair either because the item did not work. Regardless I dont have the item!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I had opened a Coinbase account in 2015, when I was residing in the US and stopped using it that same year. My email account used for login and 2 step verification was deleted, so I lost access to my Coinbase account.
When I first contacted Coinbase to recover my account based on my personal information, they sent me an automatic message saying that they were having a heavy load of issues to solve, and giving me a list of links to try to solve my problem.
The only way for me to recover my account at this time is by contacting an actual customer service agent, who will look at the new account I created, and the documents I submitted for ID verification, and to link both of those accounts so I can recover my bitcoins.
I have been contacting them every other day for more than 3 months and got absolutely no answer from an actual person.
I need these Bitcoins back. This is my money we are talking about, not some joke.
I would appreciate some help, if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: NC
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:
Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

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 2017-07-11
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid my mortgage off on  XXXX / XXXX / 2017 , and sent the amount on the payoff letter from  Specialized Loan Servicing. I had an escrow balance that was due a full refund as taxes were not yet due., and also  paid interest through  XXXX / XXXX / 2017 , which also was due a refund. Specialized loan servicing did a partial refund, claiming the payoff wire from  XXXX   XXXX  was short $  XXXX . I have verified with  XXXX   XXXX  that they paid the amount on the payoff letter via wire. Now I am short the balance of my escrow refund and approximately {$1100.00} on my per diem refund. Several call t o Specialized Loan Servicing have resulted in nothing, except run around, hang u ps, and erroneous responses, but still no proper refund.

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 2022-03-01
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Late XX/XX/XXXX found out from my township that my XXXX property taxes were not paid and that XXXX XXXX would begin XX/XX/XXXX. Informed Amerisave Mortgage about issue and sent updated tax bills. on XX/XX/XXXX, received a confirmation back via email. Money is clearly available in Escrow account. I have not missed or been late on any mortgage payments. 

XX/XX/XXXX - Called Amerisave Mortgage to follow up. They said they had no record of receiving bills. Again, sent copies and received confirmation back via email. Was told is should be resolved by XX/XX/XXXX and an email would be sent when the issue was resolved. 

XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Was told to check back the following week. 

XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Will not transfer to Escalation or Tax or Escrow departments. ( no way to contact ) XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Will not transfer to Escalation or Tax or Escrow departments. ( no way to contact )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This credit bureau is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.

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 2017-11-12
Company: Alorica Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
company is stating i owe XXXX XXXX bill, but i do not. i have no bills pastdue with 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 2022-03-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have attempted several times to get information on the following issues : 1. Payoff on the property 2. Cancellation of Escrow 3. Who is the lender or lienholder 4. Remove Second mortgage We had an attorney to do reserch on the second mortgage and it was found that there is not one. Nor is there any paper work to support this. We have been trying to get this matter corrected for over 10 years and still not one will explain how this happened. We want a payoff on the property but for whatever reason we are unable to get it we have reach out by phone and email and we continue to get messages stating that they are working on it. We ask for a cancellation of Escrow we filled out the neccessary forms and submitted them but their reply was we are unable to cancel the Escow because of the second mortgage. We do not have a second mortgage on the property. We also have reserched and found out that the property is in a Trust and we are trying to contact them by email with no response. The Servicer Rushmore did not give us any information about the lien holder we had this researched that is how we found out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CCB Credit Serivces, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was called and told that I had won a free gift ( face cream ) by the company XXXX XXXX in XX/XX/XXXX, and all I had to pay was the shipping cost of {$4.00}. I paid the shipping cost and received the free merchandise. I received a letter dated XX/XX/XXXX saying that I owe {$170.00} for the same merchandise that I had received as a free gift. I told them that I did not want anymore of the gift item, but was told that I did n't respond in the time limit to cancel the merchandise, so I sent a money order in the amount {$170.00} which they said I owe on XX/XX/XXXX after receiving the first collection notice which was to pay in full the cost of the merchandise. I received a debt collection letter, XX/XX/XXXX and a second letter XX/XX/XXXX. The XX/XX/XXXX collection letter was sent by XXXX XXXX XXXX XXXX XXXX XXXX, and the XX/XX/XXXX collection letter was sent by CCB Credit Services. This company XXXX XXXX has been listed as a complete internet scam and the two collection agencies and XXXX are one and the same. There are other incidents listed on the internet about the company doing the same thing to other customers. I have paid the bill in full and the company should not contact me any further in regards to this matter. Company : XXXX XXXX - There is no contact number ; XXXX XXXX XXXX XXXX, XXXX. Contact info : XXXX or XXXX ; CCB Credit Services info : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had an account with both Bank of America and XXXX XXXX. My account with BankofAmerica was closed due to a false mobile deposit that I did not incur. I later realized I was HACKED of my main XXXX Account, which holds ALL of my personal pieces of information. In XXXX, I filed a police report, called XXXX major credit companies. I am still having problems with BankofAmerica for I can not open a Bank Account anywhere in my city where I receive Social Security XXXX, for over 5 years. I need to know what do I do next for I have not been receiving any responses. I have copies of each letter that was sent and 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 2017-11-15
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The student that I received was a pell grant based off low income and a XXXX XXXX totaling XXXX. The teacher that has taught me before at XXXX XXXX has done the same thing. She and her daughter have filed a high interest student loan and then cashed it. She has also spent a credit worth XXXX XXXX in a hour at XXXX on a XXXX  XXXX XXXX card. My other complaint is the classes I took? I am not advanced placement anything. I also took cad for basic tooling and I found cad for architecture in a software bin at my parents. 
I apologize for the squabble with my brother but I think you 'll find my case interesting if you pull my student I.d . And my recent drivers license. I know that the student id has XXXX eyes and hair. I have XXXX XXXX eyes and XXXX XXXX hair. I just think it 's probably my brothers revenge for his failed XXXX. At leads.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: WELLS FARGO & COMPANY
State: TX
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:
They make a payment due on the XX/XX/XXXX of the month and then if you make a payment after the 16th they may or may not apply it to the next month. I made a payment to them on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX. payment., Then I made a payment on XX/XX/XXXX and XX/XX/XXXX of XXXX and XXXX for my XX/XX/XXXX payment. Then on XX/XX/XXXX I made a payment of XXXX dollars for my XX/XX/XXXX payment. Now they are saying that I have to pay them another XXXX by XX/XX/XXXX or they will charge me {$37.00} late fee. They will not wave this. They said that they charge us on the XX/XX/XXXX, but they do not close out the month until the XX/XX/XXXX so any payment made before that date gets applied to the same month even though I had already had a bill for that month. I should be able to make a payment for the next month as soon as the due date for that month has passed. This is a ridiculous business practice one it seems like they do just to generate late fees. I have to pay my bill when I have the money. I am thinking about starting a lawsuit against them for unfair business practices. We get paid on XX/XX/XXXX and I want to make my XX/XX/XXXX but low and behold it wo n't be applied to XX/XX/XXXX!  Ridiculous!

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