BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-26
Company: ZIONS BANCORPORATION
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
XXXX XXXX XXXX Policy # XXXX Retired Employees of XXXX XXXX CountyXX/XX/XXXX Teeth cleaning with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX issued check to XXXX XXXX {$90.00} for service. XXXX XXXX does not receive check. 
XX/XX/XXXX I obtained copy of cashed check from XXXX and forwarded it to XXXX XXXX. The check had been cashed by California Bank and Trust, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX filed an affidavit with XXXX for non receipt of check. 
XX/XX/XXXX After checking with their security department, the California Bank and Trust manager instructed me to have XXXX XXXX file another affidavit with their bank. He filed the XXXX affidavit. 
XX/XX/XXXX I met with XXXX XXXX XXXX, Manager XXXX ( XXXX ) to follow up on the status of the affidavit. She determined that XXXX had failed to notify us that no action was being taken on the affidavit because XXXX XXXX was not a customer of XXXX. She found the cashed check electronically and their customer who had cashed it. She would not release the name of the customer to me. Since XXXX had accepted the check without verification, she agreed that the transaction was either an error or fraudulent. I requested that XXXX write a check for {$90.00} to XXXX XXXX and debit their customer 's account. She refused. 
XX/XX/XXXX I have had many conversations with XXXX XXXX, XXXX XXXX XXXX, XXXX ext XXXX. As of this date, action on XXXX XXXX 's affidavit is apparently still pending. She was unable to provide a case number from XXXX XXXX bank who issued the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card
Issue: Rewards

Complaint:
I booked a vacation with XXXX through a program called Upromise. I did this because the program offered 5 % back from Upromise and 5 % additional back for using the same branded Upromise Barclays MasterCard. The vacation took place XX/XX/XXXX. All I have received so far is 1 % back. I have asked Barclays Upromise about the issue and they have stated for six months " we are waiting for XXXX to respond. '' I have been patient and waited until this week to file this complaint. 

It appears to me the problem is we changed the reservation by cutting off a day. The XXXX representative over the phone instead cancelled the reservation and hung up once he realized the mistake. Subsequently we spoke with a supervisor on another call who was able to patch things up. This does n't change the fact we used the program and did not drop the ball, the representative did and we still paid with the card and stayed at the same place as we agreed originally. The reward offer did not specify a minimum dollar amount or certain days required to stay. We simply had to use XXXX and pay with the UPromise MasterCard. This is only a guess on my part, as the only thing I have been told is " we are waiting on XXXX to respond. '' I would like to get this resolved since I used these programs to book because of their offer. They have had ample time to sort this out. If I had used another card for the trip, I would long ago have received the reward, as I have several cards that have never once left me out in the cold like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Education Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions 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:
On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts are to be blocked and cease to be reporting on my consumer 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 non-monetary relief
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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 status incorrect

Complaint:
Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information Equifax : The account type is blank & date last paid is inconsistent with the data against XXXX & Equifax. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported XXXX : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: TN
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:
Experian and XXXX  should not be reporting a collection in the amount of {$1100.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. I do not now, nor have I in the past ever had an account with XXXX. This account was opened fraudulently. This false reporting of a collection, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX  and XXXX  to remove this account however, I have not been successful.

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 2016-09-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank keeps denying me a checking account for no reason. I have had a checking account with them once for 2 weeks which they have closed with no explanation. I have tried to apply and open a new account with them however they keep refusing it with no clear explanation.

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 2022-01-30
Company: OneMain Finance Corporation
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i started having problems after I bought a car at XXXX in XXXX XXXX XXXX, La. they took my deposit on my vehicle out 2-3 times ( i will know for sure when i get chase to show me my account ) they would do a REVERSAL on the deposit and other bills. I didnt catch on to the other bills until i got a letter saying my insurance had lapsed. I looked at my account and they were reversing bills repeatedly, XXXX would not do anything. I have had 3 personal loans taken out in my name, my credit cards ran up and my credit score dropped from a XXXX a XXXX. I was building a house and i lost it right before closing bc of my credit score. It was XXXX time. My kids were devastated and I feel like a failed mother and I dont know how to make him/her stop. Ive changed cards, banks, phones, and phone numbers A loan made with One main Financial for 8000, a loan for XXXXXXXX XXXX ( Ive never heard of them and dont know the amount. 

XXXX didnt help me when I asked them to put a freeze on account costing me approx 2500 and causing my insurance to lapse and go up 300a month. 

I have a XXXX XXXX  card where at least 1,000 isnt mine, XXXX  about 500, XXXX most of it and i cant get in the account t to make payments to stop the fees. My XXXX card Im unsure of because I cant get into it. 

Whomever this has a pic of me holding my license and ALL OF MY INFORMATION. 

PLEASE GIVE ME MY LIFE BACK I also just saw i have a ridiculous Amount of inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Ability Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I faxed a cease and desist letter to Ability Recovery at XXXX on XX/XX/2020. Got a confirmation that they received it. The have called me 2 days in a row XX/XX/XXXX and XX/XX/2020. This is a violation of Fair Debt

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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$230.00} XXXX {$18000.00} XXXX {$100.00} XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Sherloq Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent XXXX XXXX at XXXX XXXX Hospital in XXXX, NC copies of my daughter 's Medicaid card for her XXXX XX/XX/XXXX. All the other providers ( aka, the surgeon 's bill ) was covered by Medicaid. Why XXXX XXXX purposely keeps losing my daughter 's Medicaid information is beyond me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I had never received a call from Wells Fargo Dealer Services to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXXXXXX and the next payment was XX/XX/XXXX, 29 days later and Wells Fargo Dealer Service reported my account delinquent for more than 30 days. I need them to fix this problem right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/XXXX I disputed the accuracy of my student loans via XXXX XXXX. Today 's date isXX/XX/XXXXand my dispute is still ongoing. To my knowledge companies have 30 days to investigate and update any inaccurate information or to delete any inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I initiated a {$500.00} bank transfer from my savings account to XXXX trading exchange. This is something I had done successfully before multiple times with amounts smaller and larger. I submitted this request on XX/XX/XXXX. 2 weeks time passed, which is much longer than advertised to clear, and I still had not seen my deposit. However, an additional {$500.00} charge was made on my bank account to coinbase. So a total of {$1000.00} was now charged to my bank, {$500.00} of which I initiated, yet I had not seen anything deposited. 

I call Coinbase to get clarification on what is going on. I XXXX the issue, others reported similar stories of being charged twice for a transfer, most of which never got resolved. The ones that did get resolved said they had to file a claim on this website, which is why I am here doing this now. 

So I call Coinbase and the woman on the phone tells me it is mandatory to freeze my account, making me unable to log in and access my funds or crypto currency until this is fixed. I have been given zero information on when this will be fixed, but I suspect it will not be addressed until a larger coorporation, such as yourself, applies pressure to Coinbase to fix the issue. 

I would provide screenshots of my Coinbase charges on Coinbase.com, but since my account was disabled temporarily until this is fixed - I ca n't access that info. 

At this point, I just want my initial {$500.00} deposit returned to my bank account, and for the accidental double charge to be removed. Then I plan to cut all ties with Coinbase and move on. 

Please help me get my money back and figure this out - I am at a loss of what to do. 

Thank you very much for your time and effort in fixing my problem. 

All the best **The screenshot uploaded shows 3 seperate {$500.00} transactions from my Savings Account sent to Coinbase. 2 of which are valid. One was a transfer initiated to their partner site, XXXX, which I never receieved, another was a {$500.00} purchase of the cryptocurrency Ethereum, but one of them was an accidental double charge that I never initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
, On or about XXXX XXXX. I reached out to Caine & Weiner by telephone at XXXX. I was informed to request to speak to XXXX XXXX. I had already sent in prior letters requesting this company to verify this alleged debt. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When calling the number I was hung up on after I requested XXXX XXXX XXXX to verify the validity of this alleged debt, after calling back and explaining that I do have a right to this dispute. I was informed by XXXX XXXX that she would not speak to me and denying me my rights to any and all access to any information in my file because she thinks I should get a lawyer. If I would like to speak to them go online to company webite and submit a from stating that " I DO NOT HAVE A LAWYER, I WILL NOT SUE AND PAY THEM ''. I did not understand why I would have to do this went I sent in numerous letters requesting to verify this alleged debt and how am I obligated to pay it. However, XXXX and other customer service reps also gave me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My Credit Status has been ruined by collections agencies that I have no idea who they are and keep sending me letters asking me to pay XXXX Premium  $ {$1200.00} XXXX XXXX XXXX {$320.00} And there are some accounts from 8 or 10 years ago still open and it has brought my Credit score down.I need to clean up all these things and protect my Credit Status, How can I dispute these issues, please? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: WESTERN UNION COMPANY, THE
State: KY
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Western Union online money transfer : XXXX/XXXX/2016 - {$59.00} WESTERN UNION XXXX : CAPTURE ID : XXXX INDN : XXXX ID : XXXX WEB MTCN : XXXX Date available in receiver 's country : XXXX XXXX, 2016 Western Union took the money out of my XXXX XXXX XXXX account and held it for 7 days. Today is XXXX/XXXX/16 and they are still holding the funds without contacting me. I contacted them online and by email to request an immediate refund. They refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX our house was damaged during Hurricane Ida. 
We filed claims with our insurance providers who paid a small percentage of the damage. 
The covered items were electrical, heating systems and unfinished Sheetrock plus a small percentage of contents which was approximately 30 % of our actual loss. 
Both insurances provided funds to repair the house but because we have a mortgage with JPMorgan Chase, both claim checks included the bank as a payee. The bank deposited these funds into an escrow account and blocked the disbursement of funds to us. 
The bank then instructed me to sign into XXXX in order to manage the disbursement of funds. After the initial inspection in XXXX XX/XX/XXXX which showed that all the items covered by the insurance payments were repaired, the bank issued a small percentage of the claim funds and claimed that I needed to complete the repairs in order to receive the rest of the funds, even when the claim funds did not cover any of the additional repairs such as painting, moldings, etc. 
We were forced to pay from our savings for all the repairs which were completed at the end of XX/XX/XXXX. 
Since then, we called the bank numerous times to request the release of funds without avail. 
After calling both the bank representatives and insurancecheckfunds.com ( also part of JP Morgan Chase ) numerous times we were unable to get the funds released. 
JP Morgan Chase is still keeping these funds at the writing of this complain on XX/XX/XXXX. 
Even when we pay our bills on time, pay for the insurances, pay our mortgage and never fail to pay ANY bill, the process of collecting the insurance claim funds has been incredible difficult and time consuming. 

In addition to this, after voicing our concerns we were told lies after lies by the bank employees. We were told that the funds were released twice but never received. 
Even XXXX shows all parts of the process completed for 2 months now but the funds not yet released by the bank. 

However the biggest concern is that we needed to have savings in order to front all expenses. 
If we did not have available savings XXXX young girls, my wife and I could have spent this winter freezing in our own house because of the way the bank handled this process. 

We would really appreciate any help to fix this process for us and all others in need that may not have extra money saved and could be put in such dire situation. 

Is this even legal? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Approximately on XXXX XXXX, 2016 I contacted XXXX. The were very eager to help me re-finance with money out. I completed all their paperwork with in about 7 days. They then told me it went to the underwriters. At this time I paid {$490.00} for an appraisal for my house to qualify for this loan. My appraisal came in at {$320000.00} and I wanted to take out all I could which meant I wanted my loan to be {$260000.00}. I then waited for the rest of XXXX, XXXX, and XXXX calling them approximately every 10 days to find out where my refinance was at. And everytime I called they said it was at the underwriters. I kept asking if they need more information. NO NO you are are fine, Finally on about XXXX XXXX, 2016 I received an email from them listing about XXXX things they needed from me in order to close. By this time I contacted another mortgage lender and closed within 3 weeks. I think they should refund my {$490.00} for my appraisal fee. When entering into a contract with them I believe time is of the essence. and by stalling my home loan for 3 months is NOT a timely fashion. Every other time I have refinanced my home the loan has been completed within 30 days. 

Thank you XXXX CA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief