BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, a money transfer was processed for our relatives.

The company used for this transaction was Western Union.

After Western Union confirmed the money being deposited into the receiver 's account, the money was NOT accessible because the deposit was never made!

The Bank in XXXX, XXXX has no record of the money being deposited into our relative 's bank account.

After contacting Western Union and speaking to multiple customer service representatives for a period of over three weeks, Western Union say there is nothing they could do to retrieve or reverse the transaction so that we could get our money back.

I also tried to get a hold of the Corporate Offices and speak to a higher authority and it is impossible!!

Today it is XX/XX/2019, a month later and no news of where our money is!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Winklevoss Exchange LLC
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have had an account at Gemini for many years, maybe six or seven. 

I tried to access my account this morning, and some glitch in Gemini 's algorithm " closed '' my account, leaving me with no access to MY money ( which I needed to pay bills NOW. ) I have had to borrow money to pay my bills. 

I then got a request to send Gemini images of three documents AND a selfie, all in one photograph, if I wanted access to MY money. 

This is of course impossible. Am I to hold one document in each of my three hands, and the camera with my foot? It is both a physically impossible request, and insane and onerous and deeply insulting and degrading. They demand that I LITERALLY almost jump through hoops- well, juggle, and take a photo with my foot - to get access to MY money in an account I've had for over half a decade. 

I would like access restored to my account, or ALL of my funds returned IMMEDIATELY, and of course nothing in law or regulation allows them to demand I take and absurd and insane - and impossible - selfie. 

I would of course like my money back immediately, and this clown organisation, Gemini, shut down due to violations of fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Viewing my XXXX XXXX account I noticed a new collection account place there. This information is inaccurate and was already deleted from my XXXX, and now has been duplicated on my TransUnion and reduced my score by XXXX points. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. FCRA /USC 1681 states inaccurate reporting is a violation of my rights and can be subject to penalties up {$1000.00} per item. I'm requiring you to reverse that entry on my report and add the XXXX points back to my score immediately. This information has also been transmitted to Transunion. Thank you.

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 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with capital one in XXXX, my payments were made on time for a complete year. I fell short in income from being in college, and also becoming XXXX in XXXX. I spoke to a representative regarding what took place in my life. I made every payment I could when I had funds to do so. My account still fell behind 120 days. I never received a call, email, or letter regarding collections, even after speaking to someone about a payment arrangement for {$500.00}. In XXXX I was able to start back working, and made capital one my first priority to pay off anything owed to them. The account was paid in full and closed. I have tried reaching out to this agency numerous of times asking for forgiveness, and all late payments to be removed. It is causing myself and my child to not go forward with finding a new home and car, do to every one denying me over a one time late payment, that was taken care of. Despite that this company has my name spelled wrong and also input my social security number wrong, I have still tried to work through this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion ignored my request in their response letter concerning my dispute on  X/XX/2017   .   Judgement :  XXXX   Circuit Court C ase ID :  XXXX  Under Secti on 611 ( 5 ) ( A  ) of the FCRA you are required to promptly DELETE all information which can not be verified.     Please resolve this issue as soon as possible, thank you.

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 2022-09-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Based on information provided by the Consumer Financial Protection Bureau 's website regarding how to stop automatic debit payments from my account ( https : //www.consumerfinance.gov/ask-cfpb/how-do-i-stop-automatic-payments-from-my-bank-account-en-XXXX/ ), I contacted JP Morgan Chase XXXX XX/XX/22 XXXX XXXXXXXXXXXX XXXX and asked them to stop allowing 7 specific monthly recurring debit transactions totaling {$200.00} from my checking account. Both a customer service representative and then a supervisor told me no, that in order to do that they would have to issue an entirely new debit card with a new debit card number in order to stop the automatic payments from recurring. I said no, that's not what the government site says about the policy, which includes 2 ways to do this through my bank : - Call and write your bank or credit union. Tell your bank that you have " revoked authorization '' for the company to take automatic payments from your account. Some banks and credit unions may offer you an online form. 
- Give your bank a " stop payment order. '' Even if you have not revoked your authorization with the company, you can stop an automatic payment from being charged to your account by giving your bank a " stop payment order. '' This instructs your bank to stop allowing the company to take payments from your account. 

I then explained to my bank how getting a new card number would be a big inconvenience to me because there are other transactions that occur regularly on my current debit card that I want to keep such as utilities and so forth. I said the government 's policy exists to protect consumers because canceling recurring automatic debit transactions shouldn't be an inconvenience, especially when I'm requesting 1 of 3 ways the US government 's website specifically says I can do this. I informed the supervisor of the CFPB page that I was referring to and his response was this was how Chase handles requests to cancel recurring automatic debit payments. I said then I'll be filing a complaint with the CFPB about Chase 's policy, which is not in line with the US government 's. Chase bank 's response was that this is the bank 's policy and if I don't like it I can file the CFPB complaint or take my banking elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
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: Public record information inaccurate

Complaint:
The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: WELLS FARGO & COMPANY
State: UT
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 been contact by phone several occasions XXXX at XXXX XXXX  XXXX, XXXX at XXXX XXXX  XXXX. I called back at XXXX XXXX  on XXXX. I tried to call back with my spouse on the on XXXX at XXXX XXXX  XXXX  the call immediately answered with no dial. I hung up the phone they called back twice at XXXX and XXXX XXXX  XXXX. They called back at XXXX XXXX  XXXX again and also at XXXX XXXX  XXXX. I received a voicemail from them on XXXX. They have also emailed me documentation of the debt collection. They have claimed that I have been sent documents in the mail. The individual on the phone knew my full SSN and a previous address I resided at and also my current address. They said that the financial institution tried to contact me but I have not yet received that information from the banking institution which is Wells Fargo. On the XXXX phone call when I called back to try and dispute this and move forward they offer to take 25 % off the owed amount to settle the debt. I told the agent over the phone that I did not feel comfortable giving my card info over the phone and I wanted to consult with my spouse first. The agent became very insistent on getting me to pay right there on the phone they even said they would stay off the line. The agent then threatened to send this to the XXXX and have it go to my credit report. They said that this case needed to be off their desk and they have already informed me and could proceed now to send this to a judge to issue a judgment and report to my credit bureau. They said that they were providing mediation. Both agents I spoke to on the phone the name of the first agent was XXXX the second one did not share his name. They both had an accent from XXXX. They also emailed me a document with the amount owed. I still have that email and I tried to verify the address that they provided which is a non-operating US office space and the phone line does not dial is specifically calls and the person picks up. I have both numbers that the agency tried to contact me. I have tried to print the email sent to me and it will not let me print it stating that it has been deleted so I took screenshots of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: NC
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 # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian.com continued to bill credit card for 3 months after account was cancelled the second day after trial period and the account not accessed or used by the consumer at all during any of the time billed. Experian.com is utilizing deceptive practices to continue to bill consumers XXXX for its credit monitoring services and not cancelling the service upon request.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance to the Fair Credit Reporting Act, The XXXX Bank account has violated my rights. they are reporting a balance of {$250.00} on all 3 of my credit reports. As the account was closed/charged off over a year ago, I should not have a balance reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
False advertising for credit card bonus mile I have Capital one Venture X card and it had a protomion for earn XXXX bonus mile once I spend XXXX in first 6 month. 
Credit card app has a tracker for your bonus showing how much I spent and how much to go. for last two days before expiry date, i did spend the balance. I did not know that the purchase made on last day wouldn't be counting for this spending. 
Now they are saying the amount needs to be posted on the account to be considered as a spending. 
What is the point of having a daily tracker on your app if it doesn't reflect the amount real time and do not have notation saying only posted amount will be considered for the spending. it only shows that offer expries XX/XX/22. Tracker updates daily with spent $ and to go $ I feel like spent over XXXX USD for nothing. 
Can't belive they can't extend a week to reflect those last day spending on my account in consideration or consider those spening in calcuation. 
This is very misleading and if I knew that those were not be considered, i would have made a purchase much earlier ( XXXX says some purchase can take a week to be posted ) or not spend it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: CO
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
Please remove account as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Garnished wages in the amount of XXXX After debt was discharged in bankruptcy.

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 2021-03-11
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2021, I lifted the credit freezes from 4 bureaus ( XXXX, XXXX XXXX XXXX ) so I can apply for a savings account. 
I then went to Marcus ( Goldman Sachs ) online savings website, and applied for a savings account. 

I got a message saying I should call the bank for manual verification, and asked me to reference application ID XXXX. So I did. After some time on the phone ( a call I recorded - I normally record all my phone calls as standard practice, and I am in Texas, a single party state ). After asking me to repeat all the information I provided online, I was informed I am " manually declined '' for Goldman Sachs 's failure to verify my ID. 

After further contact on XXXX with Goldman Sachs, it was suggested maybe I have a typo in my application. So I applied again, triple checked everything, and got denied again ( application ID XXXX ), with the same pretext. 

I have credit scores over 800 in all bureaus, and a high net worth individual who just wants more bank accounts opened to increase my FDIC coverage. I keep my reports frozen as a precaution and lift them only when needed. 

Goldman Sachs failed to disclose why I was denied, and failed to disclose what bureaus and databases they used to reach their decision. 

I have decided not to pursue an account with them anymore, but I have recently examined XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  and found no issues. 

I demand that Goldman Sachs disclose to me, in writing, what databases they used to reach their decision, as I have the right to examine those records and make sure there is nothing about them that is incorrect. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number 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 2017-08-27
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number 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 2022-09-18
Company: EQUIFAX, INC.
State: TX
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:
Equifax has consistently failed to provide Proof of account but have only replied as creditor verified account as accurate. According to the FCRA there was not a proper investigation conducted. I was never provided with concrete evidence of verbal or contractual agreement, payment information, personal information and possibly violation of HIPPA LAWS. I request proof or future Litigation have conducted against bureau. 
I want account deleted as it's a hinderance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also asked them to present these documents from the folowing vendors/creditors : XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX-ACCOUNT:XXXX, and XXXX XXXX XXXX-accoutXXXX and they have failed to do so.

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