BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: U.S. BANCORP
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on XX/XX/2022, I called US bank to verify my credit card because I switched a new cell phone yesterday and I have trouble adding the credit card to App pay. it said I need to call the bank to verity this card. so I did call this morning. However, what is disappointed is that I was keeping transferred to a different departments with long waiting, during which time one of the representative even told me this is not their job. I said it is exactly instructed, then she transferred me again. Just like this, the whole process took me 45 min and nothing solved. finally I need to hang up. it is like they have no idea what they should do. 
what is even more, this was not the first time I had trouble with their services. last time my card was stolen and there are a few charges that were not authorized. I called and told the representative the situation while she asked me 3 times like this : '' are they really not your own charges? '' wow I have really nothing to say. so what she was thinking?? I used my own card a called them someone stole it? The services in the US bank are really in bad quality and there is something seriously wrong with their attitude.

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 2017-09-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
On the XX/XX/XXXX I withdrew XXXXeuros from Coinbase digital wallet to my bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the firm a multitude of times without result. Through email, chat, XXXX, all fruitless attempts. It 's like I 'm purposely ignored. 

My email address at Coinbase is  XXXXXXXXXXXX. I 'll send a screenshot as attachment. Thank you very much! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: On-Site Manager, Inc.
State: VA
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:
Declined by apartment community due to inaccurate credit report and criminal background check. Incorrect information clearly on my credit report and background check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: Affirm 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:
In accordance with the Fair Credit Reporting act AFFIRM INC 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: CITIBANK, N.A.
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:
In 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act CITICARDS CBNA 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-10-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
USAA has not reported a paid balance on our credit card. Credit bureaus are reporting the card as maxed out and the card was paid off. I requested the update be reported to all three credit bureaus immediately and USAA refuses to update our account with the credit bureaus. 

In addition there are still minimal balances left to pay on the credit cards ( {$11.00} on one and {$18.00} on the other for a total of {$29.00} ). These balances were added after being advised to pay the current balance due to pay off the cards. We paid them, USAA still wants another {$29.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a condo with a first mortgage from Suntrust Mortgage and a purchase money second mortgage by Suntrust Bank as an Equity Line of Credit. In XX/XX/XXXX, Suntrust Mortgage foreclosed on the property and that account no longer appears on my credit reports. Suntrust Bank continues to report the XXXX XXXX with a current balance showing. Suntrust Bank is reporting 120 day late in XX/XX/XXXX, then XXXX from XX/XX/XXXX to XX/XX/XXXX, then charge off from XX/XX/XXXX thru XX/XX/XXXX and no reports shown after that. Suntrust Bank 's error is showing a current balance of {$38000.00} instead of {$0.00}. The property is foreclosed by Suntrust and the Statute of Limitations has expired, so why show a balance. I disputed this with the bank in XX/XX/XXXX ( see the attached letters XXXX but they refused to correct it. In a phone call today, the Suntrust Bank representative stated that the balance will never come off the credit reports until it is paid or settled. That can not be the law for a mortgage debt. I have also disputed with XXXX, XXXX and XXXX with no success. Please help as I am trying to refinance my home mortgage. Thanks. 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 2022-05-28
Company: REGIONS FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act REGIONXXXX  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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a letter from CFPB that you closed my complaint to protect my PRIVACY. I called TransUnion/Experian after I purchased a credit report from XXXX XXXX dated XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses and accounton my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: Payfare International Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
-Problem with XXXX XXXX account -Error XXXX -Routing number has disappeared -Account number has disappeared -Deposits are not going through ( same day deposits advertised ) -Cash back rewards are unable to be redeemed XX/XX/XXXX - Contacted support, they said deposits would resume by Monday XX/XX/XXXX - XXXX support, they claimed the issue would be fixed within 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I found a fraudulent charge of {$220.00} to XXXX XXXX on my credit builder card through Chime bank on XX/XX/2021, and notified them immediately. They canceled my card and issued a new one, when not even 24 hours later, XX/XX/2021 they determined there was no fraud. I asked them to reopen the case and they asked for documentation I was not at the location of the charge so I provided a copy of my work time card, showing I was recorded at a different location. They replied it was not relevant, even though they requested the document. They are holding me responsible with no support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: ACS Education Services
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently have both federal and private student loans that are serviced by ACS. I became  XXXX  in  XXXX   XXXX  and have been on Social Security  XXXX  since then. As a result, my income has been drastically reduced. For my federal loans, I was eligible for an Income-Based Repayment plan and currently pay approximately $  15/month. F or my private loans, I was told that I could have up to two 6-month deferments, but no other options are available from my lender. I am currently in the second 6-month deferment, which will end  XXXX   XXXX ,  XXXX . Starting in  XXXX , I will owe approximately $  XXXX /month on these private loans. I can not afford to pay that much per month. I just spoke with a representative from ACS as well as a supervisor. They confirmed that I can either pay the full amount or go into default. If I go into default, I ruin my excellent credit rating and the lender does n't receive any payments. I also requested a way to contact the lender directly and was told that I could not. I have no idea what to do next and just want to work out a repayment plan with the lender that I can afford. I would think that they would rather get a reduced amount than nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I informed United Collection Bureau that I have no outstanding account, no debt, no financial services accounts, no student loans ( I paid out of pocket in XXXX  ) no government loans no balances. I asked them to remove me any any information related to any account from their database. My identification was stolen and used fraudulently from XXXX. The police report you have ( sent four times ) supports this. I ask for your help in ensuring United Collection Bureau does not have any contact with me and removes me from their database of fraudulent accounts they are trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: PHH Mortgage Services Corporation
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with the original loan company that provided me my first time home owner loan. I was very comfortable with Envoy and their services. My refinanced loan was immediately flipped and now managed by PHH mortgage. I reduced my mortgage in my refinancing by a few hundred dollars. Now, under PHH mortgage they are charging me a " fee '' $ XXXX+ to pay my mortgage online?? I find this absolutely ridiculous in the day and age of online payment and really feel like they are taking advantage of folks. I do n't want to be even dealing with this company, received no notice of any of this occurring and really feel powerless and concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: PHH Mortgage Services Corporation
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Client wrongfully denied a XXXX HAMP loan modifcation. He was denied by PHH Mortgage because they say he did not successfully complete a previously HAMP offer. He never accepted or was offered a previous HAMP modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Kwikcash, Inc.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I 'm in chapter XXXX bk since XX/XX/XXXX. Payday Loan lender despite court notification of Automatic Stay, got default judgement to garnish my paychecks XX/XX/XXXX. Attorney stopped this based on Automatic Stay Provision, however ; company still has default judgement on my credit bureaus. This is a gross violation and has caused me tremendous harm.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
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: Their investigation did not fix an error on your report

Complaint:
The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-09-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
A MODIFICATION WAS PROCESSED BACK IN XXXX. WITH THE INITIALS I AM LOOKING AT ARE NOT MINDS OR MY WIFE. THE LETTERS LOOK LIKE A WHITEOUT FLUID WAS USED OR SOMETHING WAS ERASED, AND A LETTER WAS ADDED. I FEEL THAT THE NOTARY SHOULD HAVE MARKED IT A INCOMPLETE JOURNAL. IT REALLY LOOKS LIKE THE LETTERS WERE TRANSFERRED FROM ONE DOCUMENT TO ANOTHER TO MAKE IT LOOK AUTHENTIC. THE MODIFICATION CAUSED THE SUM OF {$30000.00} TO BE ADDED TO THE PRINCIPAL OF MY MORTGAGE WITH INTEREST. WE DID NOT SIGN THIS DOCUMENT BACK IN XXXX I DID NOT REQUEST FOR A MODIFICATION. I HAVE A DOCUMENT THAT SHOWS THAT AMOUNT WAS DEPOSITED IN ONE OF YOUR CLIENT 'S ACCOUNTS AS AN ASSET IN 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