BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 i went to a chase ATM and deposited {$300.00} total in XXXX bills of {$10.00}. The ATM shutdown and malfunctioned resulting in eating the {$300.00} i deposited into the machine. I immediately called chase customer support as advised on the machine. They issued me a temporary reimbursement the same day. Today XX/XX/2022 Chase issued a claim reversal and the amount of {$300.00} which was reimbursed, was taken from my account again. I called Chase and they told me my claim was denied as they did not find the {$300.00} in the ATM. I find this impossible as i did insert {$300.00} and was never deposited into my account due to ATM shutting down. There must be video footage in the ATM that can show me inserting the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22, I was notified that {$3500.00}, in XXXX transactions of {$1000.00}, {$500.00}, and {$2000.00}, was withdrawn from an ATM in XXXX. I was in XXXX MO in college. I have proof from a coach that I was with him on this day. I submitted a fraud report to Wells Fargo the day of the transactions. They closed the case and denied any return on my money because they said any PIN transactions are automatically not considered fraud. They said that I could submit a police report and with it I could reopen my case for further investigation. I called again and they said that the case was closed and the decision was final. They did not explain how {$3500.00} could be withdrawn from an ATM when the limit for my account was {$300.00} to my knowledge. They would not listen to the fact that I have proof that I was not in XXXX nor did I ever loan out my card nor was my card lost or stolen. It was in my possession the whole time. On XX/XX/22, I called to raise my daily spending limit so that I could pay for college. However, I did not raise my ATM limit.

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 2016-05-01
Company: Utah System of Higher Education
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am a XXXX. I have been harassed for literally years by loan collectors. I have been in school, continuously, for the past several years, and I am in deferment on my student loans. I have received a threatening message, yet again, claiming my loans will go into deferment. I have filled out multiple forms with every loan provider I have ever had, with the proper documentation, showing that I am supposed to be in deferment. I have done this at least four times in the past six months with hard copy forms, and several more electronically and via email. I have paper records, and electronic records of such communications. AGAIN, I AM IN XXXX, AND HAVE BEEN CONTINUOUSLY, WITHOUT PAUSE, XXXX, FOR THE PAST SEVERAL YEARS. I AM REGISTERED FOR CLASSES XXXX. 

I 'm extremely tired of being threatened and very tired of filling out forms for deferments, only to have another threatening collection letter sent to me a month later. I am a XXXX, and after my health insurance is taken out of my paycheck, I make just under {$800.00} every two weeks, ten months a year. I XXXX each semester, and take classes as a student myself. I 'd really like to not do this for the entire time I 'm working XXXX. I also can barely afford to live as is, please stop threatening to garnish my wages and seize money from me, etc.

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 2022-11-07
Company: CITIBANK, N.A.
State: NC
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:
XXXX ) I am not able to access my on-line account. I tried changing password even though I entered t he correct password, I was able to get in once, when I tried re-entering my account I could not XXXX et back in. I tried changing my password again, and am still not able to get in. I talked to Citibank tech support who told me they saw no problem, and then they hung up on me. I am an XXXXXXXX XXXX XXXXXXXX and I know when a system is not working ; the tech support person I spoke with did not listen to my problem and refused to look any further than the front-end. I can not access my account, and Citibank is unwilling/incapable of helping me. 

XXXX ) When I was able to enter my account, my credit card information was GONE. I tried calling the number on the back of my credit card, I was put on hold for XXXX minutes, then was disconnected. 

I called my local branch manager and he told me he could not do anything to help. Citibank left me no alternative but to file a complaint with the CFPB, but in the mean time my credit card payments are going to be processed INCORRECTLY, and there is NOTHING I can do to stop it.

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 2022-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX to present usaa bank they transfered money to my other account witthout my permission.They kept my tax refund check and said it was put in a closed account .The same day they did a chargeoff fraud but told me no fraud acured .They are now saying they dont have my social sucurity number or id or adress and are going to close my other account due tothem not having this info .How can they not have this info they had to have it to open acccount .every time i call i get a different answer .we filed a police report immmediateley after our vehicle was taken from work i was working at XXXX  and could not take items in due to covid, i also sent them notice of a breach where my info was shared from my doctors office .they still claqim no fraud accored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is my place of business. The number being called is the main desk number that is answered by customer service representatives. Not once has my personal cell phone nor home phone be used to attempt to contact me regarding this matter. I have no idea who is calling -- they never leave a message once transferred to my direct line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Once again Arvest mortgage aka central mortgage once again has tried to downplay the seriousness of my formal complaint and its attempting to deflect the seriousness of their misconduct and playing games and deceiving the Federal Government. I filed a complaint please see attached documents with cfpb. They have lied to you saying that they do not have the proper documents and paperwork which is a lie. I filed a complaint on XX/XX/2015. Case number XXXX I called you and told me to fill out another complaint wich I have case number XXXX. Please understand that they broke into my home change locks damage my front door and had several personal things stolen by there company and affiliates. Imagen and if you could put your self in my shoes. Another Lie is that they say Central mortgage is not a bank but it 's own by Arvest Bank. So they tell me that they do not have to follow Banking Laws. The thing is that what XXXX did with a gun this company doing with a pen. I thank you in advance XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Every attempt has been made to have XXXX accounts removed from credit files. I have been informed that creditors has no say so in where accounts are reported. In the remarks block TRANSUNION continues to comment about bankruptcy, stating " Bankruptcy dismissed '' I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy would not be in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ) .This Dismissed Chapter XXXX Bankruptcy has been remove from TRANSUNION credit files, but continues to comment on bankruptcy on XXXX accounts. Data that has been reported by TRANSUNION does not warrant accounts being reported as adverse accounts. The other credit reporting agencies shows XXXX as accounts in good standings.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX I filed a complaint because Transunion supplied a creditor- XXXX XXXX  with credit scores that were not accurate. I called and wrote to XXXX XXXX Transunion to try to resolve the matter. XXXX held the position that the information provided by Transunion was accurate and as a result determine my creditworthiness was poor and refused to reopen the account nor reconsider reopening the account until I provided them with the credit report from Transunion which would show my credit score from XX/XX/2022. I then called and wrote Transunion and requested a copy of the credit report from XX/XX/2022- the same one supplied to the creditor XXXX XXXX They claimed they do not have back dated credit reports and could only supply me with current credit reports from XXXX. I explained the creditor would only reconsider reopening the account if I provided them with my Transunion credit report from XX/XX/2022. So I contacted the CFPB in an effort to obtain the credit report forward to the creditor - XXXX XXXX dated XX/XX/2022. To date Transunion still has not provided me with the credit report for XX/XX/2022 and therefore my XXXX - XXXX XXXX account is still closed. Now CFPB has closed the complaint and I still don't have anything more than what I started out with and this is almost 3 months later. Transunion should not be allowed to provide creditors with false credit scores and then refuse to supply the consumer with the same record forwarded to creditors. Creditors use the reports supplied by Transunion to make a determination when decided to keep accounts open/ or closed and whether or not extend additional credit to consumers. They reported credit scores that were not accurate. They should be held accountable and required to supply consumers with their reports. I have asked for the reports and no one will listen. Instead they provided me with XXXX or XXXX 's credit report knowing I need the report from XX/XX/2022. They are well aware I need the report to have my account reopened. They know they misrepresented the score and refuse to do the right thing by providing me with the report given to the creditor. If we are to trust credit bureaus then they should be held to some level of standard. They should not be allowed to misrepresent consumer credit scores to creditors then when you call them out on it. They just disregard your request and carry on with business as usual after they destroyed a consumer 's creditworthiness just by submitting inaccurate information on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: Paypal Holdings, Inc
State: OH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2015, I attended a sales presentation by XXXX hotel and resorts in XXXX, FL. After a 5-6 hour sales presentation, after being promised the presentation would take no longer than 2 hours, they pressured us, like I 've never been pressured before ; we were worn down, exhaused and confused. They gave us reassurance that we could own a time share for approx {$50.00} per month, as they kept asking us what we could afford to pay. We told them that was our limit, in no uncertain terms. Shortly before they made the sale, they presented with me a pay pal line of credit card, in my name. I assumed I would have to give them my personal authorization to open up this line or any line of credit as I have had an extended fraud alert for the last 7 years through experian, transunion and equifax. To my chagrin and astonishment, they went ahead and opened up this pay pal line of credit, without ANY consideration of my ability to pay. It was apparently, I later surmised, opened on my credit score alone? I 'm not even certain about this. And conveniently, they paid THEIR Wyndam time share off with my pay pal line of credit I NEVER would have agreed to if I knew what was going on. They also make it next to impossible to read over the materials they present to you. The pay pay line of credit is what caught me off guard the most. I learned later that they tried to qualify me by opening an account with XXXX, which was denied. Also they tried to qualify my husband and he was denied to. WE do NOT have the ability to pay for this, feel that our consumer rights were violated in more ways than one, and we are in the process of returning the timeshare to XXXX, who make it clear that they will not offer us a penny in return. Still we want to be free of this organization forever. Please reconsider this debt we owe to paypal credit, as we feel is is not ours to repay as we were violated and I believe scammed. Thank you in advance for your attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.

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 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I never opened any credit card with XXXX on XXXX XXXX and did n't know it 's been charge-off in XXXX until I received a credit report today.

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 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The open collections notice was never received previously but all of a sudden appeared on my credit report. 
I have not received any letter or notification regarding this balance or account. 
This account is not familiar to me and I wish to find out if my social security number has been misused or subject to identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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:
i sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Coinbase, Inc.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have trading Bitcoin on coinbase for a couple of years and have increased my portfolio as well as added more funds to it. Recently, Ive been using it instead of my bank for all of my personal savings, because I was easily able to both deposit and withdraw. Last month, I was traveling and lost my phone which meant I lost access to my XXXX authenticator application used to verify my identity when logging into coinbase. I followed their protocol to resubmit my identity documentation and waited the appropriate 72 hours.

My identity submission was denied without explanation and my account was disabled. I then logged a case with them begging for their assistance and although my account is no longer disabled I still have no way to access it without my old device and the authenticator codes. I have sent emails almost daily and only received the occasional we will get back to you when we can response and usually only that when I log a new ticket. I have now been locked out of my funds for 5 weeks.

I have all the emails Ive sent but wont attach them here as I read above not to include any personal or account information unless asked to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Company was not given authorization to share sensitive medical information to a 3rd party or outsider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have received messages from friends and family who have received phone calls or voicemails from XXXX stating that they are trying to reach me. They told my father that I was in danger of being arrested, told my grandmother that I was being prosecuted in a criminal case, told my sister that I was being summoned for jury duty, and told my sister-in-law that they were going to serve my company legal documents subpoenaing me to court. I have contacted the company and asked for a cease and desist order for this debt and asked that they cease all harassing phone calls containing false statements.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-11-07
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX i was scammed and had money stolen from my cashapp account, the man took my phone out of my hand and sent himself {$2000.00} through cashapp using my phone, i have filed a police report and reached out to cashapp but they denied my request. I have attached a copy of the officer and police report case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had an overdraft protection account with my bank, and they were withdrawing automatically from my account. When my financial situation changed, and my credit score took a hit, the bank decided to close my account, and not give me access to the protection of overdraft. Even though, they were still withdrawing payment. Once they closed account, they did not alerted me that automatic payment would stop on the balance of the account and the account was delinquent. They reported me to credit bureaus and after I asked and wrote to them, without a response to remove the information as I had continued to pay once I had pulled my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Altisource used fraudulent trustee sales as a weapon to force me into pretender lender XXXX servicer XXXX outrageous loan modifications. XXXX has been using Altisource fraudulent trustee sales as a weapon to rip off my family home that I own free and clear causing me and my children serious harm. Altisource email attached.

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 2015-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off and closed account with XXXX XX/XX/XXXX. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief