BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited {$7000.00} dollars into my Coinbase account in 2 installments. One worth {$1000.00}, and the other worth {$6000.00}. I was prompted that the initial {$1000.00} would take 3 days or I could verify my ID again to gain access to the funds instantly. I had issues verifying my ID due to a legal name change but I contacted customer support and was able to resolve that issue by changing the legal name on my Coinbase account to my updated legal name. 

Once they did that I was able to verify my ID. I never got an email saying my ID was verified and my account had yet to show that the {$1000.00} was sent to my metamask, so I attempted to verify my ID again using the same ID and a VERY similar selfie that I submitted the first time. This attempt at verifying my ID failed and it placed my account under restriction. I saw that my {$1000.00} was sent to my metamask after that, so I opened another ticket to have Coinbase support remove the restriction placed on my account because it was placed in error. However, customer support has been unable to do so and has sent me 3 different emails saying my account is under review and the rest of my funds will be unlocked on 3 different dates. First in XXXX, then XXXX, and then XXXX. It seems as if these dates are being picked at random. 

I've been told that this is for my safety, but nothing causes more concern that not knowing when, or if I'll ever get my money back. I feel as if I've been scammed. I've used this platform many times and have deposited and withdrawn money. I don't know why this time would be any different. Especially if a {$1000.00} transaction was approved literally a day before. 

As of today the restrictions have been removed from my account so I'm free to buy, sell, trade, and withdraw funds according to Coinbase, but they still have the EXTREMELY unreasonable hold on my funds. ACH transfers usually take 72 hours to be processed, but the current hold on my deposit is 138 days. It absolutely makes no sense. 

Please help me get my money back from Coinbase. There has been no security breach and I am the only one with access to my account. I can provide any documents to assure that nothing fraudulent is occurring on my end. I'm very disheartened by this. I want to get my money off the Coinbase exchange and warn others to stay away from their shady business practices. 

The email associated with my Coinbase account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
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: Public record information inaccurate

Complaint:
In the process of refinancing a real estate loan on my property, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is erroneous, and inaccurately reporting incorrect public information on me stating that I have a child support judgment that is NOT even my name. Fortunately, I'm NOT some random person who did/does NOT know who his father is/was, nor his name ( XXXX XXXX XXXX ). nor have I ever been married, or had children, or been to ANY child support court! 

Nor am I a XXXX with the name of ( XXXX XXXX XXXX ), nor should I have, or ever been associated with some random person by the name of XXXX XXXX XXXX There is NOTHING that is relative to my property, or address that has EVER been in the name, or related to anybody named XXXX XXXX XXXX. This is some random racially motivated negligent inaccurate XXXX supremacist, XXXX privilege XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have my paid off receipt from XXXX saying that I paid off my {$43.00} balance with XXXX. XXXX is now reporting on XX/XX/2023 that my last payment to them was in XX/XX/2023. That is an accurate because again I have that receipt stating that I have paid off all my balance with XXXX, and they are going to report the positive payoff balance to all credit bureaus, which they failed to uphold their own words thus reporting negative balance to my credit at the reading of the receipt. All negative information report it to my credit bureau should be removed it once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Security deposit was returned in full and no actions were taken until the property was sold to a new owner. At the time of sale the previous owner decided to fraudulently ask for more money. Collections agency alleges that the debtor owes {$530.00} from a lease that ended on XX/XX/2020. When asked for a statement of charges agency furnished a statement with charges dated after the contract date of XX/XX/2020 ( XXXX ). All charges after XX/XX/2020 were the responsibility of the property owner. Collections agency is requesting a laundry list of items be completed at the expense of the debtor in order to clear the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: ROBINHOOD MARKETS INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Robinhood was made aware of several problems in a previous complaint made to the CFPB which they did not address. In their previous answer, they post the blame primarily on me that it was my fault that I got angry and that they're not in any way at fault for lying to me or closing out my positions and turning the unrealized losses into realized ones. There have been serious misappropriations with my money as a client with Robinhood and their defiance to tell the truth about what happened and put the blame on me because I lost my temper when they decided they were going to kick me off their platform after leading me to believe everything was okay is unacceptable. Then they also have the nerve to say that after losing me a ton of money in realized losses that they initiated that eventually I was able to liquidate my cryptocurrencies. 

This was the previous complaint that I made to Robinhood who evaded answering all of the questions that I demanded. These included questions regarding XXXX XXXXXXXX XXXX me while I was struggling to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit inquiry from XXXX XXXX that I did not authorize. It is on my Transunion Credit Report on XX/XX/2016.

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 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer from Bank of America through my app where I was advertised that if I opened a credit card with them, I would get a {$200.00} bonus, I only had to sign up online to get the reward. After a few months I noticed I didnt receive the bonus and read the fine lines and saw that I had done everything to receive the bonus, which was consume {$1000.00} in a timespan of 3 months. I called the company and said that they would look into it and I would receive a card with a response and all I got was a card that said that my card did not have that offer.

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 2023-05-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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 platinum American Express credit card, which it doesn't have spending limit. I have been making sure that I pay the card large amounts so that I can keep the good records and I have been making automatic payments of {$500.00} every months, plus large payments of {$1000.00} or more. For example my recent last large payment was {$11000.00} on XX/XX/XXXX. So far everything was fine, until the last statement, that the the minimum payment became the whole statement balance of {$7800.00} as I had two large charges related to my dad 's funeral. I called to arrange a pay over time deal with them. But the next day I saw that the automatic payment has been triggered and it is set for the whole statement balance of {$7800.00}. I called multiple times to get it fixed and I only received run around and fake resolutions, telling me that they have fixed it. Eventually, AMX tried three times to withdraw this large payment from my XXXX XXXX XXXX and it messed up all my other bill payments that were supposed to be withdrawn from my XXXX account as it was negative. I am very unhappy with the customer service who caused this problem and now my record in their system is showing that my payment was returned due to insufficient funds, while I didn't authorize this large payment and it was purely customer service issue. Now, I am showing late on the payment that I didn't set up to pay and this is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

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 2023-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am writing to file a formal complaint against Chase for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. 

On XXXX, I sent a dispute letter to Chase detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. 

In my initial communication, I clearly articulated my concerns and requested that Chase rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer ri I firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Chase is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. 

I am seeking your assistance in resolving this matter and ensuring that Chase fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. 

Enclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Chase and any subsequent communication or lack thereof. 

I am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. 

Thank you for your time and consideration. I eagerly await your response and a resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Trying a slightly different approach. 

NOTE OLD INFORMATION ON REPORTS! 
THIS DOES NOT NEED TO BE FURTHER INVESTIGATED. THE CREDITOR VERIFIED DATE 100 TIMES. IT SIMPLY NEEDS TO BE REMOVED! STUDENT LOANS WERE TAKEN OUT NEARLY 14YRS AGO WITH 36 MONTH TERMS. NO PAYMENTS MADE. THE CREDITORS FAILED TO REPORT FOR 7YRS AND WOULD HAVE COME OFF THEN BUT THEN STARTED TO REPORT MISSED PAYMENTS AFTER 7YRS. I  DON'T KNOW IF THIS CONFUSED THEM BUT THESE OLD NEGATIVE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY. 
THE NEGATIVE IMPACT HAS AFFECTED MY LIFE, ABILITY TO APPLY FOR CREDIT AND GET CERTAIN JOBS! 

NOTE TO CFPB KEEP TRACK IF THEIR RESPONSE IS GENERIC AND DOES NOT ADDRESS ISSUE. THEY ALWAYS RESPOND THE SAME WAY SAYING THEY WILL INVESTIGATE BUT THE ISSUE IS NOT AN INVESTIGATION ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have sent multiple letters to Transunion, XXXX  and XXXX  requesting that they properly verify and conduct a reasonable investigation of a erroneous reported account on my credit report. They have stated that it was updated, but I have not received anything that proves there was an investigation and that the report is accurate. I also requested validation from XXXX XXXX, and they failed to properly validate the disputed late payments. 

XXXX XXXX XXXX XXXX Account # XXXX erroneously reported 30 days late in XX/XX/2018, 60 days late XX/XX/2018 and 60 days late in XX/XX/2018. These payments were made on time and were erroneously reported late due to carryover fees after the account had been paid to a XXXX balance. I called and discussed this error with XXXX XXXX XXXX services and was told on several occasions that the errors reporting would be reversed with the credit bureaus. I was told that this information was on a recorded line and would be made available for confirmation. I have followed up with XXXX XXXX XXXX XXXX and they have not done what was promised via the phone conversations.

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 2020-06-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax credit report XXXX indicated they researched XXXX XXXX XXXX XXXX acct XXXX and verified the account belongs to me. I have never disputed the account belongs to me. I have disputed for years now that my credit information and account was disclosed in a privacy breach reported to my by the federal government and reported to state and federal authorities including the federal task force on identity theft. This information was conveyed to XXXX XXXX XXXX XXXX prior to and after I began disputing the fraudulent charges displayed on my credit card account. Even thought the account is mine, I identified for XXXX the fraudulent charges. XXXX failed in their obligation to conduct a timely, thorough investigation into the matter and as a result permanently and negligently impacted me, my family, my credit report. I repeatedly asked XXXX to produce their investigation and they refused, simply stating they concluded there was no fraud. The account was opened XX/XX/2015 and went fraudulent on/about XX/XX/2015. The account has been carried negatively for over 5 years on my credit report and has been disputed consistently. Throughout this time, XXXX has changed their story, refused to provide a hard copy of their alleged investigation, and stated they were not the appropriate organization in which to present my grievance..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been a customer for XXXX  years and I've been told to avoid fees to keep my balance above {$1200.00} but it has changed to {$1500.00} and I wasn't notified. I've increased the balance now that I'm aware but I request the {$36.00} back in fees that I was charged and was told they could not be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote Navy FCU numerous times on these following dates, XX/XX/XXXX and on XX/XX/XXXX. They have never responded to my letters within 30 days and under the FCRA it should be deleted immediately from said person credit file. I sent them a proof of incarceration letter showing my whereabouts when this account was opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2020-08-25
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with GATEWAY 1. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GATEWAY 1 with no successful resolution. XXXX XXXX XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
On XX/XX/2023 NFCU stole {$140.00} of federally protected money from my checking account. On XX/XX/2023 NFCU returned the {$140.00}. On XX/XX/2023 NFCU knowingly stole {$150.00} from my checking account, NFCU was fully aware this money was set aside to bye food and international stole it with the full intention to try to starve me. All my money comes from XXXX  XXXX. I made a purchase with is protected money then returned it and this is the money NFCU has stolen. I have lost all trust in NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i made claims with XXXX to investigate this matter and as of XX/XX/XXXX it is still under investigation. on the same day in XXXX I also reached out via Email to Pro-collect ( stating the same things as the below letter ) and did not hear back so on XX/XX/XXXX I then wrote a letter to Pro-collect asking them to verify the debt they claimed that I owed by asking for. How the amount was calculated, Copy 's of where i agreed to pay the amount owed, a copy of the Judgement, and for them to demonstrate that they are licensed in my State and to provide that license number to me. I then only received a document with XXXX line item that stated " Damages for {$810.00} '' so i contacted XXXX via phone call around the beginning of XX/XX/XXXX XXXX instructed me to reach out to pro-collect and have them write in saying they need to disqualify the debt, pro-collect rudely refused to do so and said the debt is verified yet had never heard from them until I reached out.

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