BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the third attempt to obtain assistance, I reached out to the Dept of Financial Institutions, who referred me to Comptrollers office who know referred me to CFPB. 
Like many other consumers, am trapped in a Mortgage that is larger than what my property is worth ; no to mention the security issues that I am having - that my car was broken into twice once XX/XX/XXXX and the other in XX/XX/XXXX. The Association told me they cant provide any security. Also, the property needs repairs and it has a little of black mold in the bathroom. 
Because of this issues On XX/XX/XXXX and XX/XX/XXXX, I contacted US Bank via email ( XXXX, XXXX, XXXX ). I was basically asking for assistance with my current Mortgage. I wanted to know if US Bank have any Programs that can help me without affecting my credit? I was reading that short sales, DIL and even Foreclosures will have a huge impact on my credit score, which will cause an impediment for me to be able to purchase a new safer property. 
US Bank is aware, as I have mentioned in numerous conversations with them that the current mortgage of {$87000.00} is more than the value of the property ; In XX/XX/XXXX US Bank did an appraisal as part of a loan modification, and valued my condo to $ XXXX +/-. In XX/XX/XXXX The City Assessors office valued my property at {$71.00}, XXXX. In addition, sale comparables around me are in the 40s and as I mentioned before the condo itself needs some rehab. 
As of XX/XX/XXXX, I have not received any acknowledgement on my request. I want to buy a house but Im currently stuck in the condo where I dont feel safe.

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 2020-10-14
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 I received an alert that unknown account from Jefferson Capital Systems was reported to my experian credit file. I have been a victim of identity theft and have zero knowledge of the debt in question or the company reporting it. I have included a copy of my police report of previous crimes against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
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:
To whom it may concern : I have a Best Buy Credit Card. I make my payments on time, no payments have been declined from my bank, and never had a late payment. However, Best Buy continues to hold my payments affecting my available credit. I reached out ( Beginning and middle of XXXX ) and they state because of the abnormal amount of the payments. That is not true. I make payments that range from {$1000.00} to {$3000.00} usually weekly or every other week. They said they took care of it, but they continue to hold my payments without any valid reason. They said they freed up the funds, but had to hold the payment to make sure everything is okay. I believe this is unethical. They have no grounds to hold my payments each time a payment is made. Hence... this is unethical! I use this card to grocery shop, gas purchases, pay bills, and other purchases. Holding my payment limits my ability to pay with my card. And ... There is no reason for this action! They stated that I need to call each time I think the payment is being held so they can call my bank to confirm the funds. However, I do not have time to do this with every payment. 

To further validate this concern, I stopped using it to show that even though no purchases were being done, the available credit was not changing despite the numerous payments. 
I stopped making purchases to show that there were no pending charges yet the payments were not being applied to my available credit. AGAIN..No late payments, No bank declined payments, No derogatory actions to result in holding my payments. 

In addition, I did XXXX price matches and they state that I will be refunded my rewards ( {$50.00} & {$40.00} ), but after several weeks, XXXX chat messages, and XXXX phone call - nothing has reflected. Again, if I had paid with my credit card, the refund would have gone here, but they have not refunded the rewards I paid with. These were earned with purchases. 

Please address both of these because, despite my efforts with several phone calls and chats, nothing is being done. 

The last representative said she is filing a complaint to get this resolved.

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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 attempted to open a credit card with XXXX XXXX in XX/XX/XXXX. When I did not receive my credit card in XX/XX/XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XX/XX/XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XX/XX/XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions 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 requested copy of permissible permission use to access my credit report in XX/XX/2017 by XXXX and Experian. XXXX ignores by labeling everything duplicate complaints and a consumer can not reply. XXXX attorney 's have learned a game in order to avoid liability. Experian repeatedly replies " At your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' So XXXX & Experian 's childish attorneys deny deny deny and run from liability by smoke and mirrors. Experian & XXXX are cheat companies.

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 2017-09-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For two months now, my debit card continually is denied despite availability of funds in my primary account. Wells Fargo has stated repeatedly that the issue is 'on their side ' and each and every call to customer care ( there have been 7 calls ) I am told they 'refresh the card ' and that the problem is fixed on their end -- except it is not. My card is rejected at point of sale, at ATM, and online. When I ask a business or service to 'please re-run the card ' -- 50 % of the time the transaction will go through. 
Wells Fargo finally sent me a replacement card and stated it would solve the problem -- it did n't. At first Wells Fargo stated that again, on their side, the card was refreshed and that I should n't have any problems. I even drove to an ATM with them on the phone to prove that the card would not work. 
I have filed a complaint with Wells Fargo but nothing get 's done. I have escalated. All they will do is tell me that they are 'doing what they can on their side ' but yet nothing is getting fixed. 
For 2 months now I have difficulty in getting MY money and using my card. Wells Fargo has failed to take my issue seriously or match my sense of urgency.

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 2022-07-16
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Amex emailed me ( Amex Offers ) re a XXXX promotion ( spend {$200.00} by XX/XX/22 and receive {$80.00} back ). I tried to enroll directly from the email ( E.g., click to add offer to card ) and it took me to a different offer for XXXX hotels. I made four phone calls to Amex who gave me the run around before deciding to inform me that the offer was closed ( despite the terms ) and that I was not eligible due to the offer hitting a cap of XXXX enrolleesa limitation not disclosed in the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I received a partial claim and the amount of XXXX XXXX is not adding up they also mixed my file up with another client also they have been reporting me late even tho I am in the haf program

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 2017-10-17
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender never served notice to the borrower. The co Borrower and the borrower have been divorce for 5 years. The Co borrower has sent in documents asking for a modification and was just told the package was not completed. They are now claiming that the missing information is from the borrower. There was an email sent to the co-borrower on the XX/XX/XXXX. In this email there was no mention of a deadline. The co-borrower was advised the missing information was current pay stubs and banking information. After this information was put together the Co- Borrower was told they would process in 3 days- The same day when the co-borrower called again- he was told the full entire package needed to be receive 30 to 37 days before the date of the sale. 

The first company is XXXX XXXX- now there is a company called Loan Care- The main contact person XXXX has yet to reply to an email, phone call or messages. Every time we call we are told a different story. 

Also- there was a notice mailed from Loan Care- stating a payment - that was to start in XX/XX/XXXX. When asked if this was the modification- NO ONE would give us an answer. There was no indication of the loan amount- terms.. JUST a new Payment to start in XX/XX/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 2017-09-05
Company: CITIBANK, N.A.
State: FL
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:
Someone has been using my credit information and are applying for credit cards.

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 2017-09-05
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a verified phone number on my Coinbase account. I added 2FA ( two factor authentication ) using XXXX XXXX. Everything was working fine. 

Then, for security reasons, on XXXX XXXX, I removed my phone number from my account. I only wanted to use XXXX 2FA for security. 

Now, when I try to buy/sell, Coinbase requires me to add a phone number. When I do, I never receive the SMS code and thus can not verify my phone number and can not buy/sell. Customer Support is not responding. I am thusly unable to get access to my existing Litecoins to sell and can not buy any new cyptotokens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: GA
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:
This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. 

The company has been manipulating the statue of limitation and reporting XXXX  every single month on my credit report. 

Its been over 60 days and no still hasn't resolved this issue which to my concern that it should be corrected or deleted. 

This complaint is for Equifax Information Services LLC. 

I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I demand {$1000.00} per violation on my credit report OR delete the negative account and any other inaccurate negative information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a paper check instead of a direct deposit on XX/XX/XXXX due to me temporarily switching to another bank account. When I attempted to deposit my paycheck that is drawn on the same bank that has ACHed into this account before into my Discover Bank account, I was told {$250.00} of my paycheck would be available immediately with the rest to clear on the XXXX. Today, on the XXXX, I expected to have that {$250.00} available to me. I checked and none of my paycheck has been made available. After speaking with 4 different representatives and XXXX supervisors, I find out that the entire paycheck is being held until the XXXX due to " Risk attributes indicate potential for the check to be returned unpaid. '' Discover Bank refuses to do anything about this and can provide me no explanation as to why these funds in particular are being held. They told me that if my account were at the 90 day mark, they could contact the bank that my paycheck is drawn on, but since I opened this account XX/XX/XXXX, they refuse to do anything about it. I need this money to live. I literally don't have money other than this to eat, to pay bills, to get gas, to literally survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
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: Was not notified of investigation status or results

Complaint:
I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, Experian, XXXX and XXXX that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit

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 2022-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted EXPERIAN via phone and mail several times about the account mentioned in the attached letter below. EXPERIAN has received notarized affidavits from me and letters making them aware of the damages that their false and inaccurate reporting has caused me. Yet they continue to report these accounts. 

Under 15 US Code 1681b - Permissable purposes, they need my written consent before reporting anything on my credit report. My written consent was not given. This is aggravated identity theft. I have not been able to extend credit or qualify for loans because of this erroneous reporting ACCOUNT : 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 2019-05-23
Company: Larry H. Miller Group of Companies
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received an email from the XXXX of the XXXX XXXX dealership in XXXX Az. He was asking what they could do to earn my business. This enticed me to look and see what they had online. When doing so a XXXX XXXX classic XXXX XXXX popped up. The price of this vehicle was listed at {$44000.00}, the dealership discount was listed at {$43000.00}, taking the vehicle purchase price to {$410.00}. They then offered an additional rebate of {$3000.00} this taking the price to - {$2500.00}. I went to do the Express checkout. When doing so a page popped up stating this vehicle was not available for online checkout and to try again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an 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 2022-07-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've had covid XXXX times. I've lost my income. I've been struggling to make my cc payments. I have my cc set on Auto-Pay for the minimum balances in an effort to maintain the credit agreement I entered into with the creditor. 
I checked on my account and saw that my credit limit was decreased. No problem, I continued to pay and even made a {$100.00} payment to bring my balance down a little bit. 

When I checked my account today, I see that I've still been on auto-pay with the amount determined by the cc company BUT my balance never goes down! It's still increasing! they are charging me more interest and never adjusted the monthly payment to impact it! 

I called them today and asked them about it and the agent explained to me " how interest works. '' I told her that I understood how interest works and that wasn't my question. My question was why didn't the minimum payment adjust so that my account would be 'correct ' and my balance go down and not up? She hung up on me. 

I called back and spoke with an agent named " XXXX '' and he also wanted to explain interest to me. I let him and then asked my question again. He told me " you just need to pay the balance off or make a big payment if you don't want more interest ''. Again, I understand how interest works. but I lost my income and am unable to just make a large payment. AND the cc lender is not doing their part correctly. They are making the minimum required payment so low that it never impacts the balance to go lower. This HAS to be illegal!

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