BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX, I deposited {$100.00} into fiat account to make trades. I immediately withdrew the funds XXXX XX/XX/2021 at XXXX because the way it works is you deposit funds into XXXX account and use that to make trades but on XXXX XXXX, after depositing funds into XXXX and making two trades, they *again* withdrew funds from bank account - which is NOT usual, normal procedure - and this is what made me immediately withdraw the {$100.00} I deposited within a 10 minute time frame.

Contacting Coinbase, they sent 5 emails saying it would take 10 days and the funds would be credited back to account. I NEVER received the " confirmation '' email and it has now been 16 days with no receipt of the funds. I have sent over *10* support emails since XXXX XXXX, but no one responded back until XXXX XXXX, where they asked that I submit a bank statement showing date of transfer through to current. I uploaded this file on XXXX XXXX and sent ANOTHER support ticket and I still have not heard back. I am a reasonable person and understand that these things take time, but the normal procedure for withdrawal from Coinbase fiat account back to personal bank account is the standard 3-7 business days.

There are thousands of people on the internet saying that this has happened to them as well as having their accounts locked with no access to their funds or cyptocurriences and that they can get no response from Coinbase. 

I was told in the email XXXX XXXX that they would send my statement to " Payment Specialists '' who would find the money, but from the comments on the internet, it seems that this never happens as there are many comments on the internet speaking of the " payment specialists and getting no answers or monies returned. 

I joined their platform in good faith, followed their rules. but they are now not responding. All I want is for them to return my {$100.00} to my account as they have been claiming they would. They have given time frames of 3-5, 5-7 and 10 days, and have even closed out a few of my support tickets saying " case resolved.

I have all correspondences, screenshots of my account showing withdrawal and bank statement showing it was never redeposited. I filed a complaint with SEC who then told me that I should contact FTC. I have now filed a complaint with the FTC and am filing this complaint here with CFPB.

I feel that there is something hinky going on at Coinbase and they are not being straight with their consumers. They *NEVER* answer support tickets and are giving multiple stories as to what is happening. 
At best, they are very shortsighted by not having proper, correct customer services. At worst, they are thieves. And while the {$100.00} won't make or break me - it's the principal of thing. 

Thank you for your time. 

Sincerely. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a dispute letter to XXXX XXXX and transition to remove a XXXX XXXX XXXX XXXX XXXX Missouri address because it is inaccurate it is missing an appartment number therefore it is inaccurate and they are doing nothing to help

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Hard inquiries 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 I didnt give written permission

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 2021-12-15
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX and XXXX  says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.

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 2023-03-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$6100.00}

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 2021-03-18
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:
These are the Specific inquiries that are falsely being reported on my credit that I requested to be removed : 1. XXXX XXXX  Date : XXXX 2. XXXX XXXX - Date : XXXX 3. XXXX - Date : XXXX 4. XXXX XXXX  - Date : XXXX 5. XXXX XXXX Date : XXXX 6. XXXX - Date : XXXX 7. XXXX  XXXX XXXX  - Date : XXXX 8. XXXX XXXX XXXX - Date : XXXX 9. XXXX - Date : XXXX 10. XXXX XXXX - Date : XXXX 11. XXXX XXXX  XXXX XXXX - Date : XXXX1XXXX  12. XXXX XXXX - Date : XXXX 13. XXXX XXXX - XXXX 14. XXXX XXXX XXXX  XXXX - Date : XXXX These are all false inquiries that I requested by mail and follow up complaint to be removed today. I wrote these detailed notes to XXXXXXXX, Trans Union. And XXXX last month. Im being targeted.

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 2020-08-04
Company: NAVY FEDERAL CREDIT UNION
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 AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING FOR MONTHS TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE FILLED MY IDENTITY THEFT REPORT, POLICE REPORT AND I HAVE BEEN IN CONTACT WITH THE CREDITORS SENDING THEM MY PERSONAL IDENTIFICATION ALONG WITH STATEMENTS BY ME CONFIRMING THAT HTESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS ARE FRAUDULENT, THESE ACCOUNTS ARE NOT MINE. I HAVE ALSO SEND MY IDENTITY THEFT REORT TO XXXX, TO REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT NOT SUE WAHT ADDITIONAL INFORMATION I NEED TO GIVE THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: Debt Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an ER visit on XX/XX/XXXX with original creditor of XXXX XXXX XXXX XXXX. The visit was covered under my insurance of XXXX XXXX XXXX XXXX XXXX XXXX  and according to phone call with my health insurance provider on XX/XX/XXXX, they stated and I quote " They are an in network provider and they can not balance bill us for remaining amount of XXXX as the covered amount was paid so you owe this company XXXX '' The XXXX XXXX XXXX XXXX has turned this balance bill over to 3 separate collections companies, first they sent it to XXXX XXXX XXXX ( and this company reported this account as in collections on my credit report, also not good and needs to be removed ), then it went on to XXXX XXXX XXXX , XXXX , and most recently ( XX/XX/XXXX ) they sent it to Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the SAVE plan back in XXXX and Nelnet only put half my loans on the SAVE plan. I called them for more information ( and sat on hold for 3.5 hours ) and they told me that half my loans were in a grace period forbearance so would not be on the SAVE plan ( allowing them to collect interest unfairly. ) I was also told that my remaining loans would be put on the SAVE plan as soon as the grace period ended. 

The grace period has ended now, and they were not put on the SAVE plan and Nelnet expects a {$900.00} payment on them in XXXX. I emailed this time ( because I am XXXX XXXX XXXX and do not have 4 hours during business hours to sit on hold ) and I received an email telling me that I would have to wait 50 BUSINESS DAYS to get more information. ( during which time they would be able to collect interest, naturally ) I went to the Department of Education, and my account there said that only half my loans were on SAVE despite all of them being eligible for it. Using this information I applied to have my loans re-considered for SAVE and now I have received an email Nelnet has put me on ANOTHER administrative forbearance ( allowing them to collect interest on all my loans ). However, there is NO information about this in my account, which says that payments are due as usual. 

This is obscene. The game is rigged against student loan borrowers. I intend to make payments, and I applied for SAVE to make smaller payments as I start my career while holding off on letting massive amounts of interest accrue. I fully intend to pay my loans back. However, rather than complying with the law, Nelnet has figured out how to weaponize its bureaucratic incompetence to collect interest it has no right to if it followed the SAVE plan. 

I am XXXX  XXXX, building a professional career that will allow me to pay back my loans, and because of this, I can not sit on the required 3.5-hour phone, waiting for someone to give me incomplete and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Apple Card charged interest of {$94.00} on a card with a XXXX balance and refused to refund in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Commonwealth Financial Systems, Inc.
State: NY
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:
Common Wealth Financial is reporting a fraudulent account on my credit.. 
I didnt authorize anyone to open this account and I am requesting ther removal of this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony Bank/Care Credit charged off my credit card account. They report it to the three credit bureaus as a charged off account under the name Synchrony Bank. Yet Synchrony Bank outsourced the collection of the debt to XXXX XXXX XXXX. I paid the account to XXXX XXXX XXXX in full on XX/XX/XXXX  with a payment of {$210000.00}. However, on XX/XX/XXXX  Synchrony Bank still shows the debt as outstanding, and is still reporting a balance of {$2100.00} to the three credit bureaus. This is an egregious delay that is causing me to incur significant damages.

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 2022-07-27
Company: Experian Information Solutions Inc.
State: MD
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00}.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$3000.00}

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 2021-10-26
Company: AES/PHEAA
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Im on XXXX and have been since I signed up for the loan which i told them about which i am not supposed to pay back if XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00}

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of indenting theft I been in two breach one by the United States postal service and one through XXXX XXXX and I also have a fraud alert I have three open credit XXXX, XXXX, and XXXX and a XXXX XXXX that I been disputing and XXXX just keep updating without sending documents verifying and my credit is being affect tremendously they will take XXXX point off but will put XXXX point back on when your paying on time I want my credit to be deleted and my score to go back up

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 2023-03-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : 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 2023-06-03
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a B of A customer for over 30 years and the service has been unacceptable. Someone had accessed and wrote a check {$1400.00} from my checking account checking account XXXX. I reported the fraudulent charge in XX/XX/XXXX. Afterwards, Bank of America closed my old checking account I had for over 30 years and opened a new account XXXX and reimbursed the amount to my new account. In XXXX I started receiving bank recorded messages to my phone that my account is overdrawn. I called and the B of A agent told me to disregard the messages and they made an error and everything should be taken care of. Interestingly, I show back in on XX/XX/XXXX they put the {$1400.00} back on my account but placed backdated in on XX/XX/XXXX. Each time and put on hold for an hour I call they tell me to disregard, but I still receive messages. It's been over 6 months and I never receive an answer. 

I keep receiving messages that my account is overdrawn and the agents told me to disregard the messages.

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 2022-02-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no E-OSCAR verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.

Company response to consumer: Closed with explanation