BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: U.S. BANCORP
State: WV
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
In XXXX, I recieved a gift card of {$500.00}, drawn on US Bank, as a first place prize that my daughter won in an art contest. When we decided to use the card, we were told that the card already had two large purchases on it totaling {$440.00}. We had never used the card and it was still in the packaging it came in. When I contacted US Bank, I was told that they would investigte the charges. Ultimately, they could not confirm where or who made the purchases, so they sent us another seperate gift card for the remaining balance of {$56.00} which we used. On XX/XX/XXXX I recieved a letter from US Bank advising me of an " unredeemed gift card '' and if wanted to claim these unredeemed funds, that I needed to respond by XX/XX/XXXX which I did. I still have not recieved the check from US Bank, for have I gotten any further communication from them. When ever I call the bank, there is no one to help and they are not even able to access any information about the card for me, this inspite of the fact that they sent me a letter indicating that I had an un redeemed balance of {$440.00}. The CSR 's at US Bank, ask me what kind of card it is which is VISA and they then proceed to transfer me to them, but they are not able to help either. US Bank has a gift card customer service department, but whenever I'm transferred to it or attempt to call them directly, the call gets dropped. I have been trying to resolve this issue since XXXX, but gave-up on it when I realized that US Bank had no real incentive to help me. However, when I received the letter on XX/XX/XXXX, I thought that perhaps they realized that the card had never been used and still has balance on it. Again, I never used the card and had no idea of how or when the card was used. I would greatly appreciate any assistance that you can provide to me in resolving this matter. 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 2020-08-10
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PNC will not allow me to link my bank account to XXXX. 
Its sad, I file with my accountant every year, every dollar I spend through crypto. It is all tracked and easy to link. 
Let us have our cake please. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email from TrueAccord stating that I have an account with XX/XX/XXXX ( originally XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) and that they are trying to collect an old debt on their behalf. I do not owe this dept, I have none past due to any entity and they state my address as XXXX XXXX XXXX XXXX, XXXX FL ( I do not live at this address nor have I ever been to XXXX Florida ). They state I owe {$2100.00} from XX/XX/XXXX, including interest. I am assuming that this is a scam and DO NOT WANT TO RESPOND TO THEM FOR THAT REASON! When I attempted to research them, all of the articles about them are written BY THEM so of no good. There supposed contact info is : Email : XXXX Phone : ( XXXX ) XXXX XXXX M-F est Mail : XXXX XXXX  XXXX, XXXX, KS Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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 recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudulent charge on my statement I called to fraud department to XXXX XXXX company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudulent charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX  bank I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AES/PHEAA
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were consolidated across three services in XX/XX/2011. It took nearly 5 months for the loans to be consolidated. I was given misinformation by XXXX repeatedly about who held the loans during this time period and lost 5 months of being able to make relatively low payments on my student loans that would qualify for pslf. XXXX shows that I was in forebearance during this time period. I did not request a forebearance and have tried multiple times to have these months reviewed. DoE was the one who informed me that fedloan in fact held this loan about a month after it was consolidated. I also have a month in which fedloan was paid twice and now fedloan indicates that this payment is ineligible. The foreebearances placed by XXXX add on my account add up to 7 ineligible payments for unknown reasons. I would be done with pslf if they had kept accurate records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: OH
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:
Experian is playing the up and down game with me wich is putting me in high interest rate status they keep saying I have serious delinquent on report but the bills have been paid in full. My credit usage went up {$71.00} dollars and my credit score dropped XXXX points. I want them investigated to see if they are targeting certain Individuals or Races due to up and down changes on accounts I have payed all my bills on time and they are still playing this game with me year after year

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 2017-09-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am very concerned with how my payments have been applied to my student loan account with navient. I have paid over XXXX back on a balance of XXXX and still have a balance of XXXX. I also have concerns about excessive charges for loan servicing as well. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: SC
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 may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I found out my name is in the Wells Fargo database not attached to any account and I asked to have my name and address removed from their database I've never had an account personally with Wells Fargo bank I was XXXX of a political club which had an account at Wells Fargo but I left that position over seven years ago I've never had any other business I've gone to two branches to ask that my name be removed from the database and they said they can't do this and I don't understand why if I want my name removed from the database they won't do it can you please help.In their database I am listed as XXXX XXXX address XXXX XXXX XXXX in XXXX XXXX XXXX and I don't understand why I am in their database and how can I get my name removed.

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 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 called, faxed, sent letters in regards to two items on my credit report that Are fraud accounts, I have requesting the agency send me physical proof on how they are verifying me and after several attempts they are not sending me any proof, they just keep saying verified. At the time these accounts was opened in my name I was in police custody. I was XXXX for 3 years and my identity was stolen. The XXXX XXXX XXXX XXXX XXXX listed on my credit report is a fraudulent account. The XXXX XXXX account listed on my credit report is also a fraudulent account. I am needing physical proof as it is law that the reporting bureau must provide proof as to How they verified 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 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX  XXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX XXXX {$1100.00} DEPTEDXXXX  XXXX {$5500.00} DEPTEDXXXX XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX  XXXX {$3500.00}

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 2022-01-27
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ordered 5 items from the XXXX XXXX XXXX on XX/XX/ 2019. I had not received the items even though the website said it would take 1 to 15 days inside the the United States to receive the order # XXXX. I emailed the company on XX/XX/2019 as I had not received the order yet at XXXX. I still have not received a response or the items. I paid just for the shipping of the items of {$35.00}. The items were advertised as free on the website if the shipping was paid for a limited time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Sarma
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Recently I check my credit report and I was shocked to see a collection on my credit report! I have a spotless credit history up until this point. It 's was collection for a medical bill I did n't even know it was in collection. I have n't received any communication from this collection agency. And as far I can tell they made no attempt to contact me about this before reporting it to the credit bureaus. I was totally unaware about this! I have zero information about this collection, other than it was from a hospital visit XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, PayPal permanently limited my account, my wife 's personal account and my personal account for non-fraudulent violations of their Acceptable Use Policy. Furthermore, they stated that they would be holding my entire balance of {$280.00} for 180 days to cover refunds and potential chargebacks. 

For the entire calendar year of XXXX, I had a total of {$0.00} in refunds. I had {$0.00} in charge-backs ( see the attached report from my PayPal account ). 

It may be fair for them to offer me services, but all of my payments were for services and not for products sold. I don't have PayPal set up on any website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Account information incorrect

Complaint:
According to FCRA section 605b, credit reporting agencies are required to remove or block any accounts that are identified on an identity theft report. I've added a few files to help prevent inaccurate information from being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$3400.00}

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 2020-05-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to add the freezes to XXXX, XXXX and experien   and get my free credit report and they wont give it to me

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 2020-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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:
Between XXXX XXXX and XX/XX/XXXX there were multiple fraudulent " rubber checks/payments '' and charges made to my credit card during the time my identity was stolen. When Capital One 's " Credit Wise '' program alerted me in XX/XX/XXXX of the odd activity on my account, I immediately contacted Capital One claiming my account was hacked, that {$1300.00} in fraud charges were made and that my account needed to be locked. I cut up my credit cards, filed a local police report, and Capital One stated that their " FRAUD '' department was going to investigate. ... ... Well here we are 3 years later and in XX/XX/XXXX I get a letter from a collection company saying I owe {$3600.00} on this card, that CAPITAL ONE CLOSED, due to fraud. Even though I was making payments on the amount of money I personally owed on the account. Since XXXX I have spoken to number Capital One agents in both the Recovery Division and the Fraud department, and NOTHING as been done. Every time I call them to check the status, either no one knows what is going on, or they say my information has to be " RESUBMITTED ''!? Um, I thought it was submitted the last time we spoke?! I am trying to get a MORTGAGE and this is ruining my credit and the pre-approval amount I am allotted! This company is one of THE WORST CREDIT CARD COMPANIES EVER! I had this card opened since XXXX, and this was how I was treated! I would never suggest anyone use them! Not even their supervisors can ever do anything to help you! It's absolutely ridiculous! 3 YEARS OF FRAUD!!!! I received a call today XX/XX/XXXX from a fraud department agent stating that they were not going to change anything because my credit card had a chip on it and because I physically had the card with me, that it could not be fraud. Well sorry to break the news, but in XXXX chip readers were fairly new and not installed yet in all stores. Also, it is very easy for someone to steal your cards information and create a duplicate card, with a chip, and us it as if it were you! They will not do anything to help me at all. This agent apparently has no clue, or chooses to be naive about the fact that nowadays many people create fraudulent cards with real information, that they use for in-store purchases. I didnt know that was a thing I thought most fraud was either with ( physically ) stolen cards or online with card information which was jotted down. I didnt realize that people created fake cards with information from real cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was XXXX at the time the loan was originated. I had sent documentation from the Pennsylvania Department of XXXX confirming my dates of XXXX. They have been very unwilling to help or participate in solving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received funds to PayPal account from a family member via credit card. 

PayPal is mandating a " 30 day hold '' on the funds. I contacted PayPal via telephone and asked them to either release the funds into my PayPal account, or release them as a refund to the issuing card, they refused both options and stated there was " nothing they could do '' to release the funds prior to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: AL
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:
The creditors and credit bureaus are getting away with XXXX  people. The problem is and has always been with the reporting they do. During the 2020 pandemic the creditors and bureaus should have had a freeze on how they report. Take my situation for instance. Creditors started closing credit cards that were in good standing and causing my score to drop. This should not be the case if my cards are in good standing. If they are going to close a card that is paid off or in good standing for none use it should not affect my credit scores. Someone has to put a stop to this madness. How can the government make them change their policies that are hurting hard working American 's? In short, if an account is closed due to not paying etc. this should affect the individual, but if a person pays their bills and the account is good then a company 's option to close the account should not affect the individual. This double edge sword has to be stopped. Protect the little credit people are holding on too. I am so stressed because I'm doing my part and paying my bills and still my score is getting hammered. I will be the working homeless because no mortgage company will ever give me a loan with a pitiful score. Thank you for reading my struggling pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
THIS IS THE THIRD TIME IAM MAKING THIS COMPLAINT AND I THINK BANK OF AMERICA KNOWS THERE IS A PROBLEM WITH THE LOAN AND THEY ARE NOT TRYING TO ASSIST ME. 
THE PERSON HANDLING THIS CASE WITH BANK OF AMERICA IS XXXX XXXX. HER PHONE NUMBER IS : XXXX XXXX. 
SHE DOES NOT RESPOND TO MY CALLS EVEN AFTER SHE INFORMED ME THAT SHE WILL SEND ME EMAIL OF HER FINDINGS BY THE XXXX OF XXXX. WHEN I CALLED HER, SHE WAS AWAY ON VACATION. 
THE OTHER INFORMATION SHE GAVE ME WAS THE WRONG ONE AND SHE AGREED THAT THERE WERE TWO ( 2 ) ACCOUNTS THAT SHE SAW. i TOLD HER THAT THE OTHER ONE WAS THE ONE I WAS TRYING TO INVESTIGATE. 
AS AT THE PRESENT TIME, SHE HAS NOT EMAILED ME THE FINDINGS OR RESPONDED TO MY NUMEROUS CALLS. 
MY PROBLEM WAS THAT MY EX-HUSBAND HAD USED MY DOCUMENTS TO ILLEGALLY TAKEN A HOME EQUITY LINE OF CREDIT OF {$150000.00} ON MY HOUSE BECAUSE HE HAD ALL MT DOCUMENTS. BANK OF AMERICA WERE THE INITIATOR AND THEY HAVE THE COPIES OF THE DOCUMENTS. 
ALL I WAS ASKING FOR WAS THE BANK THAT THE CHECK WAS DEPOSITED AT THE TIME OF ISSUANCE AND A COPY OF CHECK. 
PLEASE ASSIST ME. 
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