BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-23
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : In early XXXX of 2015 my wife and I applied for a loan modification from US Bank. After approximately four XXXX months of receiving poor communication, poor service, having to send things multiple times ( some my fault ), not being able to leave voice mails and more, I received a denial. The denial letter stated that US Bank presumably tried multiple options however the reason for denial was the same for all " We previously requested income documentation from you to reconcile income discrepancies found during the review. The requested documentation has yet to be received. '' ( see attached correspondence ). This is a bold face lie. At this point I do n't why I was denied. In any case, I completed an application which was thoroughly completed and included pay stubs. We they asked for more info I gave it to them. Additionally I was assigned XXXX different relationship managers XXXX XXXX and XXXX XXXX both of whom I communicated with many times. 
In the spirit of brevity I am refuting the denial on the basis of XXXX simple facts 1 ) I have always been on time with every payment and therefore a good and loyal client and 2 ) US Bank had already granted me a previous modification for which I am grateful. If they did it once they can do it again. I did not ask for an adjustment to current market rates/terms. All I wanted was to get the same rate/adjustment I had before with the previous modification which is a rate that is still well above current market rates. The current rate I have now is ridiculously above current market rates. In fact it 's downright oppressive. I am not asking for anything unreasonable. I am simply trying to improve my financial situation and I have recently had a drop in my income. I believe US Bank is choosing to do is take advantage of my situation where I have no other options to refinance. If this how there treat loyal clients I 'd to see how treat those you do n't pay. 
Please review my situation and please choose to help me and my family. Again I am only asking for what was clearly available before. 

I will thank you in advance for your help and consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My account has been locked since the XX/XX/20. Whenever I call the number on the back of the card, if I'm lucky enough to get through at all, the automated system puts me on hold then disconnects me at 2 hrs 8 minutes. This has happened many times over several days. I am unable to use my card for anything at all. I'm out of cash and almost completely out of essential items. There's no way to contact the company other than by phone or mail and no one is answering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: TX
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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I sent Macy 's XXXX letter an they are refusing to remove my account from all three major credit bureau after receive my payment

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 2022-05-15
Company: ProCollect, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never done business with " Procollect Inc '' at procollect.com. I thought I owed them money and found out that I never did. Procollect Inc made threats to damage my credit and my significant other 's credit as well. I now feel foolish and cheated for paying these people, only to still have a derogatory mark on my credit. This has financially impacted both myself and partner. I never signed any contracts with this company and I did not give permission for them to have my personal information. I looked these people up on the internet and it appears as though they have scammed many others. The business is not XXXX XXXX XXXX XXXX XXXX ) accredited and has XXXX complaints from the past 3 years logged against them at the time of this submission. I paid the debt to these people because I thought that that I really owed them as I am both young and didn't know better at the time. They called me multiple times and threatened legal action if I did not comply with their requests to pay by their specified deadline. 

My partner and I collectively paid {$560.00} on XX/XX/2021 and our credit was lowered over XXXX points each via reporting from " XXXX 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 explanation
Consumer complaint received 2017-03-12
Company: Paypal Holdings, Inc
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
I sold a XXXX minibike with a new XXXX engine for {$730.00} USD on PayPal ( transaction ID XXXX ). After 2 months of use, buyer ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ ) filed a chargeback with his credit card company stating that the minibike was " not as described ''. The credit card company then proceeded to notify PayPal ( case # XXXX ) of the chargeback for {$350.00} USD ( not sure how that value was arrived at ). I was never offered the return of the minibike and the transaction occurred well in excess of XXXX miles from the billing address ( buyer lives in NJ while seller lives in NC ) I responded in writing on 2 separate occasions to PayPal 's requests for information and never received a written reply from the buyer or his credit card company. I can prove that the item was delivered in excellent condition ( as described in emails ) and that buyer used the minibike on several occasions. Buyer damaged minibike during personal use and then stated that the minibike was " not as described. '' PayPal has never shared the name of the credit card company that brought this dispute nor have they been willing to cover this transaction with their " Seller Protection '' that they advertise. 
Buyer contacted Seller ( aka : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) by email and requested to purchase minibike for {$730.00} USD. Seller told Buyer that it was solely his responsibility to ship minibike from NC to his place of residence in NJ. Buyer agreed. Buyer contracted with a XXXX company to ship the minibike. When the minibike arrived at the buyers home he wrote, " No ... it looks good. It was a little dirty from the transport but I wiped it down real good. It looks great. One of the brake cables is right in the way of the left foot pedal and I 'm afraid it 's going to get tangled/pulled. Might have come loose during transport. I 'll tie it back to something. Other than that, all is well. It 's gorgeous! '' Note that the minibike arrived dirty and wet with damage that occurred during transport. 
Today, PayPal sent an vague email stating that the credit card company found against me with no additional information. I am unable to get any help from PayPal or anyone for that matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I closed my account and was told I would receive a refund on the XXXX dollar initial fee after 90 days However it never arrived I complained 5 times to no avail. Please help.

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 2021-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was scammed and Bank of America closed my account. I had money saved in my account which I never received. I provided them with my complaint opened a fraud claim. I received a letter saying they don't approve my fraud claim. I have a copy of everything I can show they never asked for any other information other then what they have on record.

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 2021-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
I call Experian and sent certified mail. About fraudulent account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX XXXX I file a report with FTC

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 2021-11-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Good afternoon CFPB : I need to filing a complaint with the CHASE Bank. Since they blocked my bank accounts. Without giving me a term to extract my money from them. 

Although I was always communicating with them. After the blocking of my account on XX/XX/XXXX, I have been calling every two weeks to find out the status of my funds, since they indicated that they would write me a check for the total amount that my account had at the time of closing. 

XXXX months have passed and they still tell me that my account is under investigation and my money is still being held. This money is the product of my work, and it has prevented me from replenishing my inventory of cleaning products, which is a family business I started during the pandemic. 

The amount in the account is {$56.00} Ive attached the letters received by the bank. 

I remain attentive to any other request for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo turn ed a mortgage modification into a nightmare. They lied, misled and hid information that would have helped with a HAMP/HARP modification . Wells Fargo put us into a 3 month trial period program at half our mortgage amount. This gave us hope, even after three months of paying we received a congratulations letter saying we were accepeted into the program and to expect the paperwork in the mail. A month later I called and asked where the paperwork was and WFHM said to keep sending that lower amount. Ten months later they sent a letter saying I was out of the program because the investors did not want to do the deal. When I asked what I should do they had me complete another loan modification HARP/HAMP application. Then two months later, they said I was out of the running because I did not send the proper documentation, after saying  I no longer needed to send said documentation every month. At that point, I stopped paying. A month later they started the foreclosure process and I got a ( bungling ) lawyer. Foreclosure was filed in  XXXX  of  XXXX . Then we were in courts and depositions, then bankruptcy, all to save the house. In  XXXX  of  XXXX  the bungling lawyer finally made his last mistake and everything ruled against me and my wife. Foreclosure was to proceed on  XXXX   XXXX ,  XXXX . We are now out of the house as of  XXXX   XXXX ,  XXXX . There are a great deal of additional details, but that is it in a nutshell.

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 2021-11-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give this company permission to view my consumer report. 

JPMCB XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Stellar Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased a home in XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX. This was a short sale purchased from the Bank. This fact is important as I am the first owner of home. The contractor that built the home went bankrupt and during that process he evidently allowed this couple to live there, in the contractor words-trying to recoup some monies. The house was built and not sold before contractor went bankrupt. Evidently a couple lived in house prior to me and had XXXX XXXX XXXX. Shortly after purchasing the home. Letters started to arrive for the previous occupant, then Deputies with warrant in debts. I advised all parties that that guy did n't live here and I had purchased the home. Incidentally I have been a XXXX customer for many years. I am currently a XXXX internet customer. After I called XXXX in XX/XX/XXXX and discussed the letters and deputies coming by stopped. Recently we have begun receiving letters from Stellar Recovery , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ref this debt. A dept that is not mine. I did not even move to XXXX XXXX until XXXX XXXX when I purchased home. I believe what has happened is the collection agency did a records check and since I was the first owner of the home they attached my name. I have discussed with XXXX again. They said its not my debt, not my name, not my DOB and not my SSN. I just sent a letter to collection agency stating- Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I wish to submit a complaint with you ref this collection agency. They are not utilizing any common sense in collecting this debt nor the facts. My only connection to this is the address of the home I purchased. We consider this harassment and want it to stop. Thank you in advance for your assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Coinbase, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I'm wondering if this is a legal practice. The company Coinbase has a debit card that they say they issue rewards for your purchases. This is not entirely true. I have multiple purchases from weeks ago that I have not been issued the rewards. I've contacted Coinbase several times and never get anything other than the standard auto response saying it takes up to 5 days and if it takes longer to contact them, but when you do they send you the same response. Recently they've stopped sending the auto response to me which I'm not happy about. It's obvious they could care less about scamming their customers. Can a company say they will give you rewards for using their product but they don't have to? It's very frustrating. I've reached out on twitter as well since they obviously have zero concern from their so called customer service department ; no response. I have no doubt I'm not the only person experiencing these issues but there's no place im aware of to be able to speak on or address the subject. If they would at the least say they're aware of the issue I'd have some kind of peace of mind but they think ignoring their customers and giving them no guidance or feedback with their auto response system is ethically okay. I have no clue who to turn to. Please help if you can. Thank you for your time and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: MO
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:
I have been trying to dispute these negative items on my credit report but the bureaus and so called furnisher claimed they investigated the account but never show proof of what they investigated.

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 2021-11-20
Company: EQUIFAX, INC.
State: MO
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:
I have been trying to dispute these negative items on my credit report but the bureaus and so called furnisher claimed they investigated the account but never show proof of what they investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the Bankruptcy Courts do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. XXXX uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
I have contacted Target for 2 payments reporting as late from 2017 and it’s showing on my XXXX  report as updated but still not on my XXXX  and XXXX. It’s affecting my payment history negatively on my score.

Company response to consumer: Closed with explanation