BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-23
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Although I closed my checking and savings account quite a while ago because of poor service, lies, threats and no reponse the past couple of years from complaints made to the bank 's corporate headquarters, First Merit Bank continues to harass me - in retaliation for several complaints I filed against it with the CFPB. Again, for the month period ending in XXXX, the Bank mailed me a statement. It showed no previous balance, no transactions, and no ending balance. First Merit Bank employees are either the most vindictive or the most incompetent - or both. Their being a bunch of XXXX incapable of serving the public should cause the feds to revoke their banking charter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Genesis FS Card Services, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with Indigo. At the beginning of the year the monthly fee was applied which was XXXX. I forgot about it and my card went over the XXXX limit. The new balance was now XXXX. On XXXX XXXX I made a payment of XXXX which would leave a balanced owed of XXXX. The payment cleared on XXXX XXXX, because it was after noon when I made the payment and they only use bank accounts to receive payments. I stopped at a gas station on XXXX XXXX and I was told my card was declined. When I called to check my balance, it was stating my balance was XXXX. I spoke with a representative and was told my card was placed on hold pending verification that the payment made would clear and I would not be able to use my card again until XX/XX/2022. I informed them that the payment cleared on XX/XX/XXXX so it has been fully verified that the funds are good. I have never submitted a payment to them that did not clear. I was then informed that yes they did clear and was on their end that they were holding the payments. So I stated, you mean to tell me that you have the funds, you just verified that you are holding them on your end and I can not use my card again until the XXXX of XXXX and the only thing you have updated in your system is the made payment? There is nothing in your system showing my account is on hold. But the negative XXXX is showing and my balance is XXXX. The first representative actually laughed and stated " well its not with everyone its just yours. '' I said excuse me. I got off of the phone and called another representative which stated they've been doing this since the company has been established and if I would have made a smaller payment and not a payment of XXXX my account would not have been placed on hold. I informed him when I made the payment of XXXX and something the year prior, they did not place my account on hold. And he said no they didn't. We just do it sometimes, we never know when and it just so happened this is your first time. I told him, so you guys have my payment and it has been verified but you're not updating my account in the system nor to the credit bureaus and you're not allowing me to have use of my card until XXXX XXXXHe stated that is correct. I said this is some fraudulent stuff you guys are doing and I received no warning and your stating it is because I paid a higher amount. So if I paid a lower amount, i wouldn't have a hold and he stated that I was correct. So i asked if I pay the remaining XXXX will there be a hold and he stated I wouldn.t know that until you paid it. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
During the XXXX 2022 timeframe, I was scammed to invest in a mining pool and without my authorization, the full amount was transferred from my Coinbase  Wallet . The perpetrators asked me for more money, and I decided to report the situation to Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I viewed my credit report from Equifax and was very upset to see incorrect information on my credit file. I had a XXXX XXXX acct where I was charged for an auto repair that was never done yet the auto mechanic would not give me back my vehicle without payment of which I used my XXXX XXXX card and immediately filed a dispute with them explaining what happened. The mechanic lied to them about the charge of which they told me I had to get another mechanic repair report of which was submitted. They refused to accept the report that the work was not done that was paid for and would not remove it. I continued to complain to them about it as they were sending me statements of which I had to pay even though I did not receive the auto repair that was charged for. So I told them I could no longer send payments for something I never received. My XXXX XXXX acct was eventually bought by XXXX XXXX. That hurt my credit history of which I then contacted the MN Attorney General for help. They were very good in helping me with this problem and were able to force XXXX XXXX to remove the derogatory information that was hurting me as I am in the middle of buying a home! To my shock I find out today that Equifax is still posting this plus they had an inquiry from XXXX that I never had any contact with yet it shows as an inquiry. Equifax said the XXXX XXXX information has not been updated since last year!!! I asked them why their information is n't current? They said it is up to the company 's to update information on customers accts. I filed a dispute today but am very upset that the credit reporting agency 's are not requiring monthly reporting for the public. I told them I have a letter I can fax them from the MN Atty General 's office where it states that XXXX XXXX agreed to remove this from my credit report. They said they would not accept the letter from the Atty General, they will only accept what XXXX XXXX sends them within 30 days. I do n't know what to do. I am in the middle of buying a home and this is only going to make things worse. Equifax does not have current, correct information for the consumers and something needs to be done to ensure the unsuspecting public is protected from having incorrect information as well as current information on their credit files/history. When companies buy debt from creditors they should be held to the same standard as credit card companies or anyone who extends credit. Please help me if you can! This is just not right! I have a letter from the MN Atty General Office as well as a letter from XXXX XXXX where they state they would remove this from my credit history. To date, that has NOT been done. Let me know if you want me to fax them to you since I ca n't seem to attach them to this complaint. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got scammed by an entity that pretending to be a legit employer. They offered me a job, sent me a check, and asked me to deposit the check and pay vendors through zelle and wire transfer to setup home office. 

On XX/XX/2022, I deposited a check of XXXX dollar at the bank thinking it was a valid check. XXXX XXXX verified the check, cashed it, and check processed and money became available in my account. Employer asked me to transfer XXXX dollar through Zelle. 

Then, on XX/XX/2022, as all XXXX dollar processed and became available, employer asked me to do multiple Zelle and wire transfers. So i did XXXX dollar through three Zelle transactions to XXXX XXXX ( XXXX ) and XXXX dollar wire transfer to XXXX XXXX XXXX, thinking they are valid vendors. 

On XX/XX/2022, I received notification from XXXX XXXX that they returned the check. At that time, it hit me and I realized i've been scammed. I straight away called the bank and let them know, and even went to the branch. Branch asked me to call, when I called it keeps transferring me to here and there and it's very hard to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information from all 3 bureaus. I know whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as well as conducting a proper investigation. I have highlighted the information that is wrong for XXXX XXXX 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 2015-06-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: DISCOVER BANK
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased an online course titled, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' from " XXXX XXXX XXXX  ''. I was charged {$530.00} and I had used my Discover credit card for the purchase. Immediately after purchasing, I had watched the first four " lectures '' and I immediately felt misled. Each of the so-called " lectures '' was only two to four minutes in duration. After finishing the fourth video and feeling disappointed, I scrolled through the list of lectures and found that the short videos were a common theme within the " course ''. I then emailed the support email, XXXX, about requesting a refund and I immediately received an automated email. The automated email stated to reply to the email and a response would be given in XXXX business hours however I did just that and I never received a reply to my request. After this point, I was very frustrated and had decided to wait until Discover would let me file a chargeback. On XX/XX/XXXX, I had filed a chargeback with Discover essentially stating that I had been purposely misled and that the advertising and descriptions surrounding the course were mostly false advertising. On XX/XX/XXXX, I received a message from Discover stating that they had ruled against me because the merchant was able to provide a receipt of my purchase. This had nothing to do with my original complaint and the false advertising issue was never addressed. In addition to this, after being notified that I had lost the dispute, I logged into the website that provides the courses and realized that my access to the course that I paid for had been revoked. Not only did I lose the dispute and the money, but I also lost my access to the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
XXXX, XXXX XXXX Experian is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX XXXX Experian written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX  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 2016-08-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
At the start of 2016, I placed credit freezes with all XXXX credit reporting agencies. I was given 'pin ' numbers in order to set the freezes up. Now I want to apply for additional credit and a car loan. I placed temporary credit lifts with XXXX and XXXX with no problems. However, Equifax refuses to temporarily lift my credit freeze. They want me to send them my credit card number for payment. This service is supposed to be free here in Indiana. They are saying it is free for 'protected ' individuals only. If this is so why did the other XXXX agencies lift the credit freeze for free. For your info I am a XXXX individual. I have been in contact with Equifax continually to no avail. They are deliberately holding me hostage to this credit freeze until I pay them. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: KeyStone Financial ,LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I sent a debt collector company Keystone Financial a validation letter dated XX/XX/2022 wanting more information regarding the alleged debt that I supposedly owe them. A person by the name of the name of XXXX XXXX XXXX responded using obscene and profane language as well abusive threats saying that " I am past due '' and that " they are going to report to the credit bureau ''. These are violations to me as a consumer and also included is a copy of a contract which has no signatures from either party. The debt collector also has me listed as a " borrower '' for a " loan '' under the Truth in Lending disclosure which constitutes false and misleading information. Truth in Lending does not define a borrower, loan, or debt. The debt collector also did not provide the required disclosures they never provided a right of rescission disclosure, or the any disclosure that giving me the option to have my information reported to any third party and the consumer reporting agencies. This company is willfully violating my rights as a consumer under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
This relates to an international transfer of funds from my bank in the United States to a recipient who lives in  XXXX , using a service called  transferwise.com.  The amount of the transfer was  XXXX   XXXX , plus a  XXXX    XXXX   fee charged by transferwise for a total transaction of  XXXX   XXXX .     Per transferwise 's instructions, I directed my bank to send  XXXX   XXXX  to  XXXX ,  XXXX  And  XXXX   (   XXXX   ), t he bank in  XXXX  designated by transferwise to receive the funds. A day o r two la ter, I received a communication from transferwise informing me that only  XXXX    XXXX   had been received. I confirmed with my bank that it had indeed sent  XXXX    XXXX  , so I asked transferwise what happened to the missing  XXXX   XXXX .     At first, transferwise said that some bank along the way MAY have charged a fee on the transfer. Later, it became clear that transferwise 's own bank was the one that charged the fee.     My complaint is that transferwise knew that its bank would charge a fee but failed to disclose that fact prior to the transaction. I would not have used this service had I known of the additional fee.     I have asked transferwise to reimburse the fee, but they refuse on the basis that it was the bank, not transferwise, who charged the fee. Transferwise does say that they will return the  XXXX   XXXX , but cautions that its bank may once again charge a transaction fee on the returned funds. Additionally, the fee I paid to my bank in the United States for originating the transfer in the first place will be forfeited and I will incur an additional fee from my bank for processing the returned funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Im not sure that you were the right agency but Im sure you can direct me to who I need to contact for over a year I have been trying to end an account with Wells Fargo advisors even submitted a XXXX complaint about Wells Fargo advisors solutions! They continue to bill me annually and have made it impossible to close my own my own account that Ive had with him for over a decade. They keep moving my advisor out of Nevada in two different states I have worn them for many years if they continue to do this Im going to close the account now they have refused giving me all sorts of runaround.

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 2021-11-26
Company: EQUIFAX, INC.
State: AZ
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, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a paid XXXX account reporting on all XXXX of the credit report agencies.  The original creditor has requested that this account be remove from my credit profile on the XXXX credit reports but XXXX refuses to do so.  They also never updated my account as paid with XXXX.  This is a very shady company as I am sure you get several complaints about them.  I would like the account removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Complaint about mortgage company withholding surplus disbursement of XXXX which indicates understated escrow balance for a month. During the period, escrow balance reflected XXXX less. 

I received annual escrow analysis indicating escrow surplus but no check! 

Mortgage company requires a cushion of XXXX ( or {$1100.00} ) of anticipated payment of additional funds held in escrow in order to prevent balance from becoming overdrawn when an increase due to taxes & insurance premiums. 

Despite surplus overage disbursement and required cushion, total mortgage payment increased from {$1500.00} to {$170.00}. Interest rate is fixed at 4.12505 %. 

This situation continues to occur regardless of increase of monthly payments applied to escrow. Last year was over paid ( surplus ) of {$1300.00} with an increase of monthly payments from {$1500.00} to {$1500.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Nickel City Group LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving calls from a company called Nickel City Group LLC requesting that I call them back regarding a debt that I paid with them. I was suspicious that I had already paid this debt but they had an account number, the name of the company, and the amount owed which all sounded legitimate. I thought I had paid off this debt a long time ago but when I checked my credit report it didn't verify that. Therefore, I paid the Nickel City Group LLC {$320.00}. This transaction was processed as XXXX XXXX XXXX XXXX / XXXX XXXX NY POINT OF SALE DEBIT. Since, they have just called me again and I called them back and they hung up on me after giving me the wrong last 4 of my social. I think this company is some how gaining access to people 's past debt and preying on them to " pay it off '' again. XXXX XXXX was the lady I talked to and she got very offended when I accused her of fraud. When I called back today it sounded like the same person with a different name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation