BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
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:
To Whom It May Concern : Equifax, XXXX, and XXXX are still in violation of XXXX USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given Equifax, XXXX, and XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are 15 accounts being illegally furnished on my consumer report. 

I demand that Equifax, XXXX, and XXXX remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow Equifax, XXXX, and XXXX to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Equifax, XXXX, and XXXX allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. Equifax, XXXX, and XXXX must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that Equifax, XXXX, and XXXX need to remove immediately : Department of ED/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXXXXXX ( XXXX accounts ) XXXX XXXX XXXX XXXXXXXX XXXX Department of EDU XXXX XXXX XXXX Department of EDU XXXX XXXX XXXX XXXX XXXXXXXX I have also filed previous CFPB reports on Equifax, XXXX, and XXXX for the same issue and have been accused of using third-party assistance which has never been the case. Equifax, XXXX, and XXXX have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/13 - I booked an air ticket for my grandmother through USBanks travel reward portal which shows ticket is refundable if canceled within 24 hours. Now when I tried to cancel, they said it cant be canceled and I have to contact the airline. I have been getting run arounds from both the credit card and airline. Airline said since credit card is a travel agent for us, you have to cancel with them. 

The amount is $ XXXX and need a refund for the ticket. Instead of canceling I was advised to open a dispute ( which I did ) but I feel this is not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I noticed that the CFPB filed suit yesterday against Navient. My loans are serviced through that entity, and the CFPB description of Navient 's actions I read in y'all 's brief sounded strikingly familiar. For two years, prior to my return to XXXX school, Navient would repeatedly call me and essentially make it appear that I had no other choice but to choose forbearance. That said, I had never heard of income based repayment plans until recently, and my income was anything but at that time. In addition to being coaxed into forebearance for about 18 months, Navient was slow to recognize my right to deferment once I returned to school, and I have no evidence that they rescinded their reporting to various credit agencies as they promised to do for their error during this window of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX # XXXX Date Opened:XXXX Balance {$0.00} XXXX  XXXX XXXX  # XXXX Date Opened:XXXX Balance $ {$640.00} XXXX  XXXX XXXX  # XXXX Date opened Closed. {$1200.00} written XXXX # XXXX Date Opened:XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date Opened:XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX open XXXX XXXX XXXX XXXX # XXXX Date Opened:XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} THE BUREAUS XXXX XXXX Open XX/XX/XXXX Balance {$370.00}

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 2016-04-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded 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 explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: AR
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:
finally have XXXX concerns blocking my online dispute system XXXX still reporting illinois XXXX XXXX XXXX as a collection account and update address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ar 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 non-monetary relief
Consumer complaint received 2020-05-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX I called to see the status of my account closure. They said a check will be sent in 7-10 days but My account was closed over 3 weeks ago. I am still waiting for a check to come in the mail for about 90 dollars. I have spoken with customer service several times about closing my account previously because they froze my account without incident and closed it with claims of fraudulent activity. I need my money back from this account ASAP. The bank is HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I recieved a complete transaction of {$5000.00} from a XXXX bank to my COINBASE account, do note that this money is meant for my XXXX  daughters hospital bills, I immediately noticed that another person was accessing my COINBASE account so I tried to change my email but It didnt work, I noticed someone has changed my COINBASE emails password and all form of recovery so I immediately contacted COINBASE and asked them to have the account Locked which they said they did, they also assured me that my money was safe inside and no one can access it since the account is already locked, I kept calling from day to day trying to make them understand that the money is for hospital bills, they asked me to open a new account with a new email and they will have my funds transferred, I opened the new COINBASE account and completed the verification process, I called them for 1week to have my funds transferred then they put me through another rigorous verification which included a Life selfie photo with the front/back of my ID and they asked me to hold a paper with the exact date that wrote For COINBASE verification I did all these even tho it was so stressful, they kept rejecting and rejecting saying the ID is blurry or giving one excuse or another, I managed to take the exact picture and sent two just to satisfy them, after the verification they didnt message me again for long and I kept calling their team until I got a message yesterday saying all my funds has been transferred, I logged into my account and saw {$10.00} deposit from coinbase, I emailed them and told them that my money is {$5000.00} and shouldnt be {$300.00} less even if bitcoin fluctuates, they didnt reply me, I kept calling and their team kept telling me they will get back to me only to keep sending me automated messages, Im so fustrated right now and my daughters life is at risk

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX  XXXX {$2800.00} XXXX   XXXX {$8800.00} XXXX XXXX {$520.00} XXXX   XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX  XXXX {$4000.00} XXXX XXXX $ XXXXDPTEDXXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is incorrect

Complaint:
I filed numerous dispute with both XXXX and TransUnion, some apparently go removed, ca n't tell, but what I responding to is no change score for anything. I was just released from XXXX hospital for a debt, and soon should be coming off as well, as the are under the XXXX issues After the divorce the mortgage came off My credit, XXXX, nothing And I was waiting for XXXX. Now all my bankruptcies should be gone, I should be at XXXX, not XXXX, please look into in, please. Contact me at XXXX XXXX XXXX ( XXXX ) -XXXX, thank you so much!

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 2022-05-15
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: Information belongs to someone else

Complaint:
The following inquiries are not authorised by myself. 
1. XXXX XXXX XXXX XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX  XX/XX/XXXX 5.XXXX  XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
WE already submitted complaint regarding offering loan modification after the auction.PHH respond is not included why they did not offer us loan modification options before the auction and when we are ready to pay the negative amount, why they are not working with us. We are trying to contact them since last year but only they have ability to call us or contact us, but never responded what we ask. 
We need PHH to schedule meeting with our attorney and let us to share all court order and other facts to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Follow up to a complaint you closed. Chase has not given my money back in accordance with their own agreements. They said in accordance with " XXXX '' they had no right to hold funds in savings account. See XXXX XXXX XXXX Chase consistently holds funds. Their attitude is if you put money in, it is up to them if they want to give it back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX ' banks investigated and several days later returned the money, but their accounts were nearly drained during that time. 

XXXX said his bank, Chase, did not send a refund, but when the I-Team got involved Chase said : " We reviewed XXXX XXXX 's XXXX and made sure his funds were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account is fraudulent and unauthorized. I do not have any knowledge of this account.

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 2022-05-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following inquiries are not authorised by myself. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-09
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
SECURITY FREEZEI live in Indiana and so I 'm entitled to place a security freeze on my report. I had no problem doing so online with XXXX and XXXX. But EXPERIAN on XXXX/XXXX/2015 and again XXXX/XXXX/2015 would not do so online - giving the message '' We were unable to honor your request ... based on the ( same ) information you entered '' NO info or explanation was given. I was told to MAIL lengthy and onerous info to obtain the freeze ( eg copies of govt ID, utility bill, along with all my info = SS, DOB, past addresses, etc ) Since the other agencies had no problem, I have to believe that Experian is doing everything possible to make it as difficult as possible in order to discourage consumers from placing a freeze on their account. 
In that my personal info was likely obtained in the XXXX XXXX XXXX data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely Security Freeze.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company XXXX XXXX contacted me about account that they stated I owed due to overdraft fees to XXXX from 2009, this account was resolved and closed which I told them. Not wanting to deal with the shouting, arguing person, I stated I would just pay it and be done, he offered me a 40 % discount I stated I would pay at 50 % of the amount. He agreed. I offered him my credit card if he agreed to furnish me with proof of the debt because I told him I was tired of telling him I had never received anything g from him. He refused to send me anything, which I understand I am entitled to a validation, he also refused my credit card and insisted on my checking account number. I told him I was looking his company up as we were speaking and everything I was seeing was that he was scamming me and that if he as legit he would have no problem sending me the validation even over night if need be. I offered him a money order, a cashiers check, wasnt having it, had to be my banking account. He told me he was done with me and that the attorneys were coming after me and my bank accounts. His last name was 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 2021-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I wanted to bring your attention to an issue with Bank of America ( BOA ) who is taking advantage of small businesses during the pandemic through the PPP loan forgiveness process. 

I am a sole proprietor small business in XXXX who is being required to repay a portion of my PPP loan that was " overfunded '' by Bank of America due to their own oversight and mistakes and then changing their rules between loan origination and the application for forgiveness. 

BOA broke the SBA PPP rules at loan origination and approved a loan amount that exceeded the allowable maximum. On XX/XX/XXXX BOA dispersed their approved loan amount of {$27000.00}. At the time of forgiveness application, BOA fixed their calculation error from XX/XX/XXXX and will now only approve partial of the loan and I must repay the {$6800.00} portion that BOA overfunded even though those funds were used for allowable purposes. 

After talking with BOA many times since XX/XX/XXXX, I was finally told that I would be unable to request full forgiveness as their process does not allow me to actually request a forgiveness amount that is greater than what they have determined to be forgivable nor have they allowed me to submit documentation to prove that all funds were used for allowable forgiveness purposes. In a conversation with XXXX in XXXX, AZ from BOA on XX/XX/XXXX, he said that Bank of America was unable to review information from loan origination because that was in the past and they are now just following SBA rules for forgiveness. He said there was no one at Bank of America that I would be able to talk with to address the BOA mistake at loan origination. 

Bank of America has opted out of the SBA direct forgiveness program and does not have an appeals process in place to allow for additional review of documents or to address their clear and obvious errors on their part during the SBA PPP implementation. I was forced in XXXX to submit a forgiveness application for only {$20000.00} or I would face repaying the entire loan amount. That forgiveness application is currently in review by the SBA. 

In conversations I have had with the Small Business Administration on XX/XX/XXXX it was revealed that Bank of America had actually changed the original loan amount that was sent to the SBA for final approval. The SBA records show that BOA submitted information for final review showing that the loan was for {$20000.00} and Bank of America had granted full forgiveness for the loan, when in fact I still allegedly own them {$6800.00} due to their miscalculation at loan origination. Bank of America falsified information it submitted to the SBA for final review and the SBA has no clue that the loan was not full forgiven.

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