BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a Affordable Modification Program on XXXX XXXX / XXXX my Mortgage XXXX named : U.S. Home Mortgage Bank ( my Relationship Manager is, XXXX XXXX ). I have placed severalcalls to get my status to find out that it is still in Gate Keeping. I amconfused of how long this process is taking ( approaching four months ) as I have been told it has not reached the Underwriting department. 
I need assistance with who ever is in control to investigate to find outwhy this process is taking so long. My reason for applying for thisModification is due to loss of job and finding new employment witha much lower salary then what I was making when I XXXX took out theloan. This is a Hardship on me to carry all of my financial obligationsand make my high mortgage payment on time. Clearly, if they reviewall of my financial statements that I included it will prove that my salaryis much lower. Please Note : Each time there has been a request fornew documents, I have submitted them immediately in hope to movethis process along. Please put me in touch with someone that canassist me in this critical request for financial relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: U.S. BANCORP
State: WA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Elan financial prepaid card account has reported 3 late payments to the credit bureaus two of which are false and the other is their error. I have written them emailed them and called them, but they will not even let me talk to anyone that can straighten it out. This is keeping me from buying the house I want. I have perfect payment history on all my other XXXX accounts. This was a clerical error on their part

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-06-17
Company: EQUIFAX, 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:
IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not 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
Consumer complaint received 2020-06-17
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank is holding all of my money hostage. I disputed a transaction over 3 weeks ago, and since then not only have they denied the dispute, they then locked and closed my account. They are now saying that I can not touch my funds for 30-60 days. They won't even give me a reason. This is criminal!!! All of my unemployment funds and a grant I  received from a charity are in here!!! Please help me get my money!!!!!!!

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 2021-12-16
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX, 2021, I sent money to a receiver via my checking account in the amount of {$200.00} with Paypal. I completed a similar transaction on XXXX XXXX, 2021 which was instantly transferred to the receiver. Yet, the XXXX transfer was not instantly transferred and it was processed as an XXXX First, Paypal does not give notification when money will be sent instantly or via XXXX. It does not give you an option to choose a different option if the money sent will be held or delayed. It was explained by XXXX of the customer service agents that it could take up to XXXX days to process. If the money clears sooner, the money will be deposited into the recipients account. On XXXX XXXX, 2021, the money cleared my account via bank verification from a XXXX from the banking institution. Documentation can be provided for proof. As of XXXX XXXX, 2021, Paypal has not processed or deposited the funds into the recipients account. The customer XXXX  responded with a scripted answer about it taking up to XXXX days. Their site states, " Your payment will show as pending until the echeck clears the bank. It usually takes up to up to XXXX business days for an XXXX to clear and the money to appear in the recipients PayPal account. '' The XXXX has cleared and Paypal has failed and refused to send the money to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion has no credit history for me. I called multiple creditors and verified that they were reporting to TransUnion and all of my personal information is correct. TransUnion refused to open an investigation or a dispute relating to the fact that they are reporting inaccurate information about me. I have XXXX different credit accounts all in good standing. XXXX and XXXX are both reporting accurately, but TransUnion tells me I have to contact all of my creditors and tell them to contact the TransUnion local marketing department.

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 2017-02-03
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
This is a {$100.00} gift card. I removed it from it 's packaging and went to go use it. The transaction was declined due to a {$0.00} balance. 
I called the issuer XXXX times, spending a total of XXXX minutes to no avail. The vendor is U.S. bank # on the back of the card is XXXX. A representative said that they would be faxing and mailing me documents to fill out for the claim process. They did not fax or email me anything. U.S. bank says that resolving the worthless card issue is contingent on receiving back the paperwork that they say that the sent out. This is clearly a scam and my {$100.00} have been stolen.

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 2016-03-22
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Reference to Case number : XXXX Unfortunately, the representative of US Bank did not address my complaint accurately and specifically explaining why the loan application was mishandled from the beginning : - I would have promptly clarified the contradictory information if was brought to my attention immediately without any delay. 
- As I mentioned, I have over 25 years of gainful, professional employment with XXXX earning a very good amount of money each month, with or without extra allowances and I have a saving over $ XXXX in my 401K - Still US Bank is challenged calculating basic math : My monthly income without allowances is XXXX. Common sense dictates that an employer would not give {$16000.00} for a house and car allowance. The actual house and car allowance. Equals XXXX a month. Please review your calculation again - I believe this process has been made particularly difficult and lacked transparency. I.E. I was not informed about the program requirements. Can you provide the DTI ratio? What is the minimum down payment? 
- As the process unfolded, I began to wonder if my status of being an XXXX living in the XXXX XXXX played a role. 
- This protracted process of securing a loan and its eventual denial caused considerable emotional anguish for me, my spouse and particularly for the sellers. 
- As a buyer, I can not recover from this failed transaction, because the seller put this special house right back on the market and immediately went into escrow.

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 2016-07-08
Company: U.S. BANCORP
State: WI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
An employee named XXXX XXXX, who is an employee of US Bank, ran my credit report and issued threats to members of my family using a proprietary bank phone and proprietary account information. My credit report is correct and that is not the problem. US Bank has been notified of this and knows of the issue. ( I have an email in my possession )

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 2020-06-17
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on XX/XX/XXXX I answered the phone and was told it was state collections on behalf of advocate medical group. I had explained to advocate i had filed bankruptcy and was not paying the bills. I had then notified state collections. On XX/XX/XXXX I got a letter from state collections and had notified them once again I had filed bankruptcy. On XX/XX/XXXX state collections sent me a text message asking me to open the attachment that disclosed the same debt I have filed bankruptcy on. State collections has also obtained my new address i just moved into less than a week ago.. if they can tlo my address why can they not close this out for bankruptcy. This is harrasement and I did not give state collections permission to contact me via text message

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Upstart Holdings, Inc.
State: NJ
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 paid my XX/XX/2022 installment payment in XXXX but I paid after my grace period which I got a XXXX late charge. When I made my payment I was told the late charge would be waived. Just recently I got an alert that I was reported 30 days late for a XXXX late charge is that even legal to report me delinquent for a late charge they offered to waive? I want to know why this happened and all calls are recorded so I would like them to pull the recording on why the agent neglected to tell me I was going to be reported late for a late charge they offered to waive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Gatestone & Co. International Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
GATESTONE COLLECTIONS. When making a payment no receipt or confirmation number is generated to verify the payment has been made. Even after the payment has cleared. Further, GATESTONE only shows the total amount owed and does not include the amount of the agreed settlement amount owed. It is also almost impossible to reach anyone at GATESTONE and further when you do reach someone they are in XXXX and do not understand or speak XXXX very well. 
XXXX XXXX

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 2017-08-28
Company: CURO Intermediate Holdings
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
A email to me from XXXX XXXX threatened me about going to court and arresting me about a loan he was asked to show me proof of my signature on loan documents and then i will decide onhow to handle this matter. Docket # XXXX XXXX. CASE # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
" XXXX '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX XXXX ) In addition there is One Inquiry by XXXX XXXX and XXXXXXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " EQUIFAX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
" Transunion '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX  XXXX ) In addition there is One Inquiry by XXXX XXXX and XXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX )

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 2021-12-16
Company: WLCC
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I didnt sign the loan when I noticed they are charging 688 % interest rate. You read that right, 688 %. They want consumers to pay more than {$6000.00} on a {$1000.00} loan in interest. How is this legal? Exploiting people who are having hard time especially during Covid? Im furious and dumbfounded that this can go on. Please stop this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I purchased a Google Play gift card online. Upon redeeming the card into my Google Play digital wallet, I receive the following : We need more info to redeem your card. 

The following link takes me to a form to fill out some information to be sent for review. However, this process is completely automated and does not yield any results. 

It is fraudulent for Google to happily sell you a Google Play card then arbitrarily refuse to let you redeem it into your wallet balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Confirmation # XXXX XX/XX/XXXX, Confirmation # XXXX XX/XX/XXXX, and Confirmation # XXXX XX/XX/XXXX - I have been sent numerous disputes to Equifax with regard to 2 credit card accounts " settled for less than full balance '' on XXXX # XXXX & XXXX. Both accounts DOFD go back to XXXX. Both Accounts were settled. in XX/XX/XXXX. I have requested these items be deleted from my credit report as I am in the process of trying to refinance my home and the negative information is stopping me from this process. As you will see by the uploaded documents the same comment appears " The creditor has verified to OUR Company the date of last activity is correct. Under the Fair Credit Reporting negative items are supposed to be deleted from 7 years of DOFD, last activity date means nothing in reference to this item beyond the 7 years of reporting. Each time it has been disputed I have asked the representative to provide me with written documentation from the Creditor showing these items have been verified. As you will see on the all the confirmations, none of that has been provided to me. I have contacted the creditor ( XXXX ) and they have told me nothing has been reported to Equifax in years since there is a " XXXX '' balance. Why does a credit bureau have the right to report information beyond the 7 years reporting time when a creditor stopped reporting to them years ago. This is my final attempt to have Equifax delete this information before a suit is brought against them for damages in XXXX County. These items have dropped off XXXX and XXXX in XXXX. 
I take my credit information seriously and I am hoping you do too!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX, XXXX central time zone I wire transferred {$8500.00} to Coinbase Inc. at the following address and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX United States Account Number : XXXX Routing Number : XXXX Recipient Name : Coinbase, Inc Recipient Address : XXXX XXXX XXXX, # XXXX, XXXX XXXX , CA XXXX Reference Number : XXXX I have emailed them, contacted them by support, and I have now waited 8 days for what they said was going to be a " same day '' transaction. 

Any help will be greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation