BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX - I sent {$250.00} to my son 's phone # using the embedded XXXX payment feature in the USBank app. XXXX then contacted my son, and because he was not a member of a XXXX partnered bank, instructed him to download and install the XXXX standalone app to initiate receipt of the funds. Which he immediately did, but despite several attempts, XXXX did not complete the transfer and he was not able to receive the funds. My son informed me about the problem, and I contacted XXXX customer service for an explanation. XXXX stated to me two reasons why my son was unable to receive the funds : 1 ) He did not bank with a XXXX partnered bank. 
2 ) He did not have a Fast Funds capable debit card. 

XXXX went on to state that without at least one of those features they would be unable to complete the transfer. But XXXX also assured me that if the funds weren't claimed by the recipient ( my son ), the money would be returned to me within 14 business days. 

XX/XX/XXXX - After over 2 months now, and despite the fact that my son was never able to claim the {$250.00}, the money has never been returned to my account. 

During that 2 month period I've contacted XXXX 3 times by phone, spent several hours on the phone with USBank customer service and visited to my local branch twice to speak to the manager and assistant manager about resolving the the issue. 

Numerous times during my contact with USBank I was assured the funds would be returned, was promised a provisional credit on several occasions, and even credit to be issued directly from the bank branch if necessary. To date, none of those has happened. 

USBank has ultimately told me that they've investigated the matter and determined the money was sent and received and that their obligation has been satisfied. But whenever I press them to provide me with the tracking documentation that shows the completed transfer, they go quiet with no response. No callbacks from customer service or the branch on that topic. 

The USBank assistant manager at my local branch made an interesting and telling comment to me during my visit the week of XX/XX/XXXX. He said that in the agreement that partnered financial institutions have with XXXX, it states that XXXX is not responsible for lost funds. That tells me that USBank is attempting cover up a flaw in their relationship with XXXX by having customers foot the bill for lost funds. And I think that is wrong! And probably illegal. Someone with the proper authority needs to look into this ASAP. 

As a consumer, I feel helpless on this matter. In my view, I was just robbed of {$250.00} by a bank. And with no recourse other than to end my long-standing relationship with USBank.

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 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened XXXX/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XXXX and XXXX and they would not listen or try to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a Personal Loan Approval and wired {$600.00} Via XXXX XXXX XXXX to Citibank for the Origination fee.

Citibank was unable to deliver the money to the recipient because the Account was closed. Many attempts have been made both by me and XXXX XXXX XXXX asking to recall the money but Citibank refused to respond.

I just want my fee returned to me because the Loan process was not completed.

This is a case of Exploitation of the Elderly for Monetary Gains.

I have sent in supporting documents to your office already.

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 2017-06-19
Company: EQUIFAX, INC.
State: MS
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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pa ss the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FORA - they are required to  " ... promptly delete all information which can not be varified. '' That I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: JPMORGAN CHASE & CO.
State: VA
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:
XXXX   XXXX   XXXX   called my home number ( when I am on the do not call list ) and promised to sell my patents on the   XXXX   XXXX  . They promised to do unrealistic things. At first I was very emotional since my daughter was murdered and they took advantage of my grief and emotional state. I reallized I was scammed so I went on line to down load the complaints against them and immediately called them back saying my daughter would turn over in her grave if I had anything to do with a scam company such as them. I cancelled everything within  24 hou rs. I also called my credit card company  Chase Credit card services, telling them not to accept anything from   XXXX   XXXX   XXXX  .I  followed it up with a lette r to Chase and included all the dozens of scam complaints that I found on line.  I was told ok everything was fine. Soon after that  Chase bega n to come after me for {$18000.00} for a scam. No work was ever preformed, no meeting was done, no movies were taken nothing what so ever was done.  Chase  Credit card services just wants my money. they said they will ruin my credit if I do not pay. I called them up but the do not listen. they are just coming after me for the scam money where no product was delivered no work was done just a scam.   XXXX   XXXX   XXXX   never contacted me. They undertsood I fired them and do not want to deal with them Why is  Chase c oming after me after i reported the scam? I need some help I  am XXXX  yea rs old and it is elder abuse. They think I will scare and pay them. I do not have retirement. I only get social security. I am still working since I need to eat. Please call em   XXXX   XXXX   a law suit will cost me more money than the entire ballance they claim I owe that is why they are doing it. they need to be ponished.  Chase out to  be a shamed of themselves to be abusing an old lady like me. My name is   XXXX   XXXX   My address is   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   e m ail  XXXX  XXXX  XXXX  thank you for your help my cell is   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has  started to call me upwards of 5 times per day in the last week. They refuse to leave voicemail 's and reference what they would like to speak about, they call only during hours when I am at work, and they continue to call to the point of harassment, not allowing me sufficient time to return the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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:
According to Title 15USC 1681 # 3, and # 4 Equifax assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the Equifax agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NY
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My identity was stolen and Transunion did not remove fraudulent account because they thought the complaint was made in error. It was not and I need them to fix because my identity was stolen.

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 2019-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked them to stop calling my phone they call a couple times a day and wont give u any information unless u give them personal information I asked them to send me a letter they did not. This is my second complaint against them and I will Keep filing they are very rude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
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:
THOSE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY REPORT. PLEASE HAVE THEM REMOVE OFF MY FILES.

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 2017-06-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I went to   XXXX   XXXX   for a treatment. After I thought about getting the treatment I wanted to back out but was told I could n't. Although the treatment was okay, I was not happy with the results, but paid the account monthly. When I got the first bill I wanted to make an online payment. The only way I could do this was to set up a mobile app that would accept my payments. This action stopped the paper statements. The mobile app was fine however I was on an interest free payment plan for 18 months. The mobile app showed payments and balance. Mid last year I took my statements to a bill planner where I discovered I was no being charged all the back interest and now at a very high interest rate. There was no notice that the interest free time frame had run out and that I now owed twice what the service cost. I contacted them when I found out with no response. I contacted them a second time and complained both about the service and the interest. I also offered a  one  time payment to pay off the original balance in full, due to the fact that the mobile app does not tell you any information about your account. They responded with a letter saying that is what I signed up for and the owner of the business called to say " too bad so sad ''. I responded to say, had I known about the time running out I would have paid it off but the online payment offers no information. I was n't given the opportunity to pay it had they informed me I would have had it paid and that they needed to change the mobile. I also asked, in a ll 4  letters I have sent, to not call me. Since all this started I had an on the job injury and have been out of work since  XXXX . I told them this in  two of the four  letters and just today I was asked today if I was having a hardship. They call everyday. I did  get one lett er that gave me a small credit but they still refuse to address the original issue, continue to call everyday and now they are ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the collection company and requested that they verified that the debt was accurate and mines and written proof. To no avail they in fact sent me a letter saying it was verified with a typed procedure and amount stating that is was verified and that I owed said debt. This is a Hippa a violation I in fact did not request for my medical records to be presented to a third party.

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 2017-06-06
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
as of  XX/XX/XXXX  I 've received a letter from Forster & Garbus LLP for a payment of {$4800.00}. On  XX/XX/XXXX  we have a settlement stipulation of {$3500.00}. The stipulation is that I pay {$50.00} every on the  XXXX  monthly. I have ten days after the  XXXX  to full fill my agreement. I have paid all my payments on time. A payment of money order on XX/XX/XXXX was received on  XX/XX/XXXX . Which is still within my time frame. Now  Forster & Gurbus is  demanding I paid the full amount of my debt in the amount of {$4800.00}. I have called to resolve the problems but they refused to work with me and demanded I pay the full amount. Closed is a copy of the stipulation and receipts of money order. My other payments are paid online and I also have receipts upon request. This is an unjust attempt to try to collect a debt from a consumer whom is trying to abide by the stipulation.  Forster & Gurbus t ook the liberty to say that they did n't receive the check by the  XXXX  and attempt to collect the full amount. This is an unfair practice and should be noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I bought XXXX XXXX from XXXX and after I buy I got valid wallet address for receiving from coinbase Exchange for XXXX XXXX and sent XXXX coins at that wallet address of coinbase. XXXX sent the coins and they got stuck at XXXX XXXX. 
CoinBase Now saying that there network is not supported to that wallet address. How can they say like this when they giving me wallet address for sending and receiving the coin.if their wallet not support they should not give wallet address for receiving/sending in their exchange. I can see my coins lying in XXXX XXXX but XXXX can not move them to Coinbase Wallet as their wallet address do not support. Like me there are hundreds of people also loosing money because of Coinbase Exchange Mistake. 

Please Help me to Resolve the issue with coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Care Credit. The interest rate is so high that when I make a payment, my balance barely goes down. I pay  XXXX , it might go down  XXXX  dollars, but then there is a penalty for not paying off the balance the first year you have the card, so even the  XXXX  does not matter. I called the company several times and told them I am stuck in a loop of making a  XXXX  a month payment, but it never reflects in the balance, and they told me I should have read the fine print in the contract, I asked what contract, I applied on my phone. I ca n't keep making payments on something that will never be paid down, or paid off, I do n't know what to do about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not pull my Equifax credit report. 

My address is : XXXX XXXX XXXX XXXX SC XXXX My ssn number is : XXXX My date of birth is : XX/XX/1986 My information must be mismatched in the system. So please make sure that it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Because I had a bankruptcy over 4 years ago and my loans were not re-affirmed, which is normal procedure even by  Wells Fargo  's statement,  Wells Fargo  does not report the loans to the credit agencies. This makes it impossible for me to refinance my mortgages which have an interest rate of 6.5 %. I contacted  Wells Fargo 's   Customer Care and  Recovery Group, wh ich is the highest customer contact point at    W. F., already twice and was given the same answer. In other words W. F. holds  me  hostage to th eir high interest rate.   The mortgage loan Nos. in question are :  XXXX ,  XXXX  , XXXX . These loans are for  XXXX  different properties.   Thank in advance for your assistance.

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