BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good Morning XXXX XXXX and Gentleman : For the first time in my XXXX years of life I have had to file FTC complaints for the three subjects noted above which have each occurred to me in the past 2 weeks. The FTC File numbers are as follows : Identify Theft : XXXX - Unauthorized Debit Card usage by an unknown party in XXXX XXXX, CA. and investigated ( concluded to my satisfaction by XXXX XXXX XXXX ). 

Internet Wi-Fi Scam and Phishing : XXXX - Wi-Fi lock-up of 3 personal laptop computers through our XXXX XXXX ( they are without fault as the line is password secured ) and a phone number to contact on the screen ( internet access denied ). I called and they claimed they were not XXXX but were an affiliate with XXXX certified technicians. I have informed XXXX of same. They wanted {$990.00} to free up the internet service. Company name ( probably bogus ) was XXXX XXXX. Collection of funds company name XXXX. This saga continues as they have utilized various means via e-mail, phone and using XXXX  messaging with subsequent phone scam, to get me to use the word " YES '', I have not! The most recent contact was yesterday afternoon ( XXXX related phone scam ) at XXXX XXXX CST. I have informed XXXX and closed my account. Unfortunately, any one of 280+ connections I had on XXXX are subject to compromise. One of them was XXXX Senator XXXX XXXX ( I 've know him personally for over 30 years ), and many other wealthy and influential people have been exposed. I expect more problems from these scammers today and beyond. My XXXX Profile identified me as the Founder & President ( CEO ) of XXXX XXXX XXXX XXXX. and Author & Publisher of " XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. 

Unfair and Deceitful Business Practices : XXXX - XXXX XXXX XXXX , XXXX. - Details unimportant but they have used phone and e-mail to communicate with me committing to refund monies to resolve dispute and no refunds have been issued nor do I anticipate that they will. 

I have printed documents involving each of these 3 events and can forward them to the appropriate party ( ies ) at your direction. I will allow the FTC to do their due diligence and arrive at their conclusion on each case. I did contact the FTC by phone once to provide additional information on the Scam and Phishing complaint and was very disappointed by the lack of interest expressed by the FTC call center staff. I will continue to ward off future attempts by the scammers to gain financial or personal/professional information from me. 

I greatly appreciate your time, attention and future suggestions. Thank you. 

XXXX XXXX Founder & President XXXX XXXX XXXX, XXXX. XXXX Author and Publisher Senior Citizen & Taxpayer ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 turned my car in to the bank in XXXX. They still charged me late fees in XXXX all the way to XXXX. They had my account open for 5 years charging me late fees and no pays for 5 years after I turned the car in. I self repoed this car 8 years ago and it will stay on credit for 13 years because they let it stay on the credit report for 5 extra years

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXT XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$490.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX IL XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX XXXX  bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, IL 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 2017-07-25
Company: Navient Solutions, LLC.
State: MI
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:
My payment became in to repayment status in XX/XX/XXXX or XX/XX/XXXX. Within those 2 months the interest rates on my loans rose twice. I called a Navient representative that reassured me that my loans could only go up twice a year. I recently received a correspondence in my email stating that my bill was ready for viewing. Upon viewing my bill the interest rate rose again on two on my loans from 14.00 to 14.25 and on the other 11.00 to 11.25 percent. I noticed that the loans were going down u til interest rate changed. My payment went from XXXX to XXXX in a matter of six months. According to representative there is no program that will feasible payments or payment plans because they are privater loans and the interest rate is set by the lender. I am a XXXX XXXX for the City of XXXX and all my other loans qualify for the Public Service Loan Forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$500.00}, {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$340.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX {$350.00} ( charge-off ) &  XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
The summary of the story here is that I got scammed, but the real issue is the lack of basic informative language that was provided by Bank of America to me which would have saved me from being scammed. 

I was attempting to sell a mattress on a secondary market and a potential buyer contacted me about wanting to purchase. He put up faade about being an older man and having a hard time getting around. He then indicated that he will be using movers to come pick up the mattress and a few other items from around the city that he had purchased. The scam was he sent me a check greater than the purchase price of the mattress and asked me to send the difference to a separate zelle account " owned '' by his movers. Once I received the check, I deposited on my mobile and the next business day, the balance amount had increased by {$1400.00}. As an average consumer, I took that to mean the check had been cleared and the money was in my account, so therefore, I Zelled the money out as he was asking for. 2 days later, the check bounced, and the {$1400.00} that I thought was in my account had been deducted. 

Only after all of this had happened, I called BofA and I learned that the increased balance does not actually mean that your account has the money, and in fact it takes 7 business days to clear the check. BofA had zero language whatsoever to indicate that the increased balance in your account does not actually mean the money is in your account. That is an incredibly deceiving practice and had there been any sort of communication about this, I would not have been scammed at all. 

To any average consumer, how are you supposed to know that seeing an increased overall balance does not mean the money is yours? Secondarily, this may lead consumers to overspend on their existing balance while the check is still being processed and therefore lead to a fee for the bank when the check bounces? This is truly despicable behavior from Bank of America.

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 2020-04-22
Company: LEXISNEXIS
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  has failed to remove or reinvestigatebthe bankruptcy information they claimed they verified through Lexis Nexis. I have disputed this information 3 times with XXXX. After my first reinvestagation XXXX  stated in writing that they verified these bankruptcies ( public records ) as accurate. I have letters from the courts verifying they never verified anything with any CRA period. I also have a letter from Lexis Nexis stating they could not verify the bankruptcy information and that it was also removed from their records. Lexis Nexis stared they filed disputes with each CRA however the inaccurate info is still reporting on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wells Fargo was sued for creating fraudulent accounts. They refuse to remove the collection loan accounts that were ALREADY found as fraud and removed. They then created new account numbers and placed this back on both my credit report and the co-signers.

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 2022-08-17
Company: U.S. BANCORP
State: VT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I have purchased two vehicles from US Bank. The seller was XXXX XXXX in XXXX. Vermont. My wife and I purchased them together and we have outstanding credit and supported income. We have lived in the same house for five years. We leased a XXXX and turned it in when the lease was up. We also leased a XXXX XXXX pick up and the lease is now over. We attempted to purchase the vehicle. They contacted us and took our credit information. We took a hit on our credit score only to be told that our credit was good we are just got done paying off a 3 1/2 year lease perfectly with no missed payments. US Bank ran our credit score dropped as a result and they sent us a letter of denial saying that they could not determine our address. Our address is the same address that we have had with them for five years and two vehicles now they're telling us they can't verify our address. They have been to our house to inspect our first vehicle where it was sent back after the end of the lease. Now our second vehicle would either be sent back or purchased and as I said we decided to purchase. They're telling us now that we have to pay cash in full for the car but we wanted to finance the car which is one of the options they offer but again like I said they declined us in writing stating that our home address couldn't be verified. We have been getting mail at the same location for five years regarding both of our vehicles by them. This is terrible. It seems like a scam. I'm not sure what to do. Obviously I'm looking for another vehicle and I had to release this one for an extra two months. I'm filing a complaint with the consumer financial protection program about the treatment that I received from this banking institution by pulling my credit and my wife 's taking a hit with the credit and then being declined which is outrageous. We have very high credit scores and the appropriate money to show. I think someone there just did not like us they were rude on the phone when they were taking the credit application and then they hung up on us so I suspect that's what's going on with this decline. They can not treat consumers like this and they also can not run consumers credit having it meet all the criteria 's and then still declining us because they have a personal issue. 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 non-monetary relief
Consumer complaint received 2018-12-03
Company: JPMORGAN CHASE & CO.
State: NJ
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 was told on the phone from Chase by XXXX on XX/XX/XXXX XXXX that transferring my credit line from one card to another world NOT pull my credit or go on my credit report. I am now seeing that on my credit report and I think it should be removed. I received false information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX I received a notification that my account has been closed and pending disablement. In the email Coinbase stated, " We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business '' ... " As a result, weve unfortunately had to close your Coinbase account. '' I 'm a lawful citizen of the United States and and currently reside and employed inside the states, and my account should have not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing a second complaint against Bull City Financial. They have replied to my first complaint refusing to remove invalid information from my credit report. Today, in hopes of getting clarity, I spoke with the original creditors XXXX XXXX, XXXX XXXX billing department, as well as the state XXXX division in my area. I spoke with XXXX from the original creditor and according to the records, I was covered by XXXX during the time of service. The account was sent to Bull City due to the negligence of XXXX XXXX billing department and them not submitting a claim to XXXX. This information was verified by the hospital I XXXX at. Per XXXX in billing at XXXX XXXX XXXX, XXXX was active during my XXXX and they have billed for their services, the doctor failed to bill for his. XXXX with NC State XXXX XXXX office also verified there were no billing claims for this doctor 's office and that they have 365 days to enter a claim. XXXX with XXXX XXXX agreed that XXXX had not been properly billed and that I should not be billed for these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Personal information incorrect

Complaint:
CFPB : My name is XXXX XXXX XXXX. On XX/XX/2021 I sent a letter to all 3 credit bureaus ( Transunion, XXXX and XXXX ) via Certified Mail. All 3 letters requested that certain names and addresses be removed. 

I got responses from XXXX and XXXX almost immediately after receiving my letter. XXXX took care of it without contacting me and XXXX asked me to call about an item and then took care of it online. 

Someone from TransUnion signed for the Certified Letter on XX/XX/XXXX ( see attached ). It is now over 45 days later and I have heard nothing from Transunion. I went to their dispute center today and it showed no pending dispute from me. I checked my credit report from TU this morning and there have been no changes at all. I sent my request by certified mail to have a paper trail to show when they would have to begin taking care of my request. 

I would appreciate your help on resolving this issue. 

Thank you! 

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 non-monetary relief
Consumer complaint received 2018-12-03
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Compass Bank approved me for a loan modification in XX/XX/2017. I asked them for a break down of the numbers to show how them came to the balance owed for the loan modification document. They stated that I would see the numbers when I signed the loan modification paperwork. I went to the bank to sign the modification papers and review the figures. All the bank had was the modification documents. I called the department I had been dealing with and could not reach anyone. I went ahead and signed so as to not lose my home and continued to try and get the numbers from Compass Bank. I never received the figures and when I received my first mortgage statement it showed my first payment due in the amount of XXXX and stated we have referred your account for foreclosure. Again I call and can not reach anyone. I went to the local bank and they said there is nothing they can do nor could they take my payment that I agreed to on the modification papers. This continued on month after month with my payment going to XXXX and each month just kept going up and I couldn't get any help. Then Compass Bank starts foreclosing on my property. I emailed Compass Bank 's attorney and they could not help nor would Compass Bank. They said apply for another modification. They would not even address the questions nor the issue. Then I sent in the request for loan modification just to save my home and XXXX XXXX states its too late I needed to pay thousands of dollars XXXX or XXXX I can't remember because she kept changing the figure or they will not move the sale date. Still not addressing the payment issue. Therefore I had to file Bankruptcy so as to not lose my house,

Company response to consumer: Closed with explanation