BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I opened a Coinbase account on XX/XX/2021 and they were offering a {$5.00} bonus ( to be credited in Bitcoin ) for verified new accounts. I completed the steps and received confirmation emails from Coinbase, including the statement " Your ID has been verified Your {$5.00} Bitcoin reward is on its way. In the mean time, you can add a payment method and start investing. '' I did start investing and funded the account, initially with {$150.00} and have since added more, and purchased cryptocurrencies on the platform. Coinbase has not delivered the promised bonus.

I contacted Coinbase support and received a series of redundant, " templated '' messages, that say : " As previously mentioned to you, here are some possible reasons you didn't receive your {$5.00} in BTC : -You need to complete full ID verification. Go to https : //www.coinbase.com/settings/account-levels and make sure youve achieved the top level of verification ( all green checkmarks ) -Your account didn't meet our compliance-related criteria ( duplicate and fake accounts are ineligible for this reward ) Once you meet the requirements above, you should be eligible to receive BTC rewards. '' I have confirmed that all three levels of my account verification show as completed ( all green checkmarks ) and this is the only Coinbase account I have ever even attempted to open ; it isn't a duplicate or anything of that nature. I've replied with that information to Coinbase and asked that they advise what about my account might not be meeting their criteria so we can get it sorted out, but I simply get these canned responses back with no actual information and, it seems, no one actually looking into it.

The same offer is still running and other users are complaining about this and other types of bonuses being offered by Coinbase but not delivered ( for example, XXXX XXXX XXXX and XXXX XXXX XXXX ). 

I realize that {$5.00} ( or about {$6.00} in value from XX/XX/XXXX to today due to the rising price of Bitcoin ) isn't a large amount and am more concerned that Coinbase seems to be scamming many customers, perhaps millions, by offering bonuses and not consistently paying them. At best, they appear to be hiding behind their own buggy AI system as if they do not have control or responsibility for it, all the while continuing to promise the bonus even while it's not being paid to many people who qualify. 

Thank you for looking into this issue of false advertising and fulfillment of bonuses promised by this financial platform, on behalf of all the users being scammed by it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges were made on my credit card ending in XXXX in XX/XX/2022, totaling nearly {$1000.00}. I reported this card as stolen and the fraudulent charges to Bank of America on XX/XX/2022. Case no. XXXX XXXX XXXX XXXX. I have contacted Bank of America several times since XX/XX/2022, to inquire about the status of their investigation and to get the charges removed from this now cancelled credit card. The Bank is not responsive and has turned me over to a collection agency. When I call to get an update on the investigation I am put on hold for over XXXX hours and I do not receive a call back. I have not received a notice from the Bank acknowledging my fraud claim regarding these charges. The Bank continues to charge me interest and fees on these charges. When I go into the Bank and ask for help they tell me to go to another Bank as they do not care. I am XXXX years old and I need immediate help with this issue.

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 2021-09-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello I'm in XXXX county Georgia. I used to get a separate bill for storm drain charge which is a utility to maintain the drains. Now the county assessor is including it on the property tax bill. Can they do this add it to tax bill so lender collects enough in escrow to pay it. I have a fha loan. They sent a letter and this will take effect this year tax bill which.comes out this month.

XXXX County is who is putting on tax bill as a separate line. Spoke to mortgage company they pay whatever total is on the bill. They don't separate it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Genesis FS Card Services, Inc.
State: NY
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:
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: E*TRADE BANK
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This customer ( XXXX ) purchased a coaching program from my company. We spent 6 weeks on coaching calls, delivered multiple worksheets, and performed work on their behalf. They purchased with agreement to our terms of service that we do not issue refunds after 30 days.

The 30 days had passed and the customer did a chargeback on my XXXX  account. XXXX  did an ACH overdraft on my bank account making it go negative and my bank. My bank ( ETRADE Financial ) is now charging me multiple service fees and has closed my savings account without my consent.

No one has been able to help me and I've already submitted a dispute case providing sufficient evidence of the program being delivered to a satisfactory quality.

I am completely unhappy about the way this has been handled and they are telling me it will take until XXXX to get this resolved. 

I would like this to be reviewed by your staff and I need additional help on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: REGIONS FINANCIAL CORPORATION
State: TN
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:
There are five steps to submit your complaint : Step 1 : What is this complaint about? 
XXXX XXXX I paid my credit card off. 
Went to bed and forgot I paid it off and when I woke up i paid it off again the XXXX of XXXX. 

Step 2 : What type of problem are you having? 
The XXXX of XXXX I realized what I had done and called the credit card company and asked them to please deposit my money back into my checking account and was told the bank would have to do it and get InTouch with them Monday. 
Monday came and I went to three branches and never go an answer other than they have the right to keep your money for three days. 
Three days came and went and my bounced accounts kept adding up.

Step 3 : W
hat happened? 
I'm now up to about XXXX XXXX in insufficient funds, if not more by now. 

Step 4 : What company is this complaint about? 
My Checking account is with Regions Bank and my credit card is with Regions bank. 

Step 5 : Who are you submitting this complaint for? Myself, 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 monetary relief
Consumer complaint received 2021-10-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX XXXX worker, and work at XXXX XXXX. 
During Covid, I was marked late for XX/XX/XXXX, for my Comenity and Express cards Comenity Bank Express card : XXXX and Victoria Secret Card : XXXX. 
I had over $ XXXX in my checking account to make the payments on these, however I came down with XXXX  and the rest of my family was XXXX  as well. 

I was in no mental and physical shape to attend to my mail. I was sure that I had made a payment online, but apparently Comenity claims nothing was received. 
After finding out I was marked late checked the Comenitys website which said I would only be marked late if payments werent received for 60 days, however I was still marked late despite not being 60 days late. 

I am trying to apply for a mortgage and these late payments have destroyed my chances. Im a loyal and happy Comenity customer, Ive read Comenity has made adjustments for people affected by Covid and I hope that Comenity can remove the XX/XX/XXXX, late payments off BOTH my accounts, given that Im a XXXX XXXX. 

Accounts information : Account information number 1 : Account name : COMENITY BANK/EXPRESS Account number : XXXX Balance : {$83.00} Date opened : XX/XX/XXXX Account status : Open Account information number 2 : Account name : COMENITYBANK/VICTORIA Account number : XXXX Balance : {$1500.00} Date opened : XXXX XXXX, XXXX Account status : Open Please see attached my XXXX XXXX ID. 

Solution : remove XXXX late payments XXXX from my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 Inquired XXXX XXXX XXXX XXXX  ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2019-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America was in the process of refinancing my home at XXXX XXXX XXXX XXXX XXXX CA XXXX. The loan officer asked for a deposit of {$500000.00} into a new savings account to be used to acredit an interest rate discount of .25 percent. The value was about {$450.00} off the mortgage payment. 

Once I opened a new account and deposited the {$500000.00}, the bank debited {$10000.00} ans said it was due to money owed on a business account. However, the new account was personal and not associated with the business. 

I demanded the {$10000.00} returned. 

On top of this, the bank renegged on the ,25 percent and therefore the entire ordeal resulted in them stealing {$10000.00} from my personal new bank 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 2023-04-13
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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-06-03
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: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed : {$480.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$43000.00} XXXX  XXXX Balance Owed : {$3300.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report.

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 2023-06-17
Company: DISCOVER BANK
State: NJ
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:
NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by portfolio recovery associates to collect a debt from a XXXX credit card account. Once the women, I believe her name was XXXX, got me on the phone she asked if I was ( gave a name ) and I responded yes. She then proceeded to ask if this was the last four digits of my social security number and I told her she could not just give out the last four digits of peoples social security number. She had every right to ask me to provide mine but could not just tell me the last four digits of the social listed on the account. She became very aggressive and insisted that she could do this and continued to do so until I agreed that it was my social. And then she proceeded to take the same steps with the address on the account. If she had called the wrong number she would have given that person my name, last four of my social security number and my address. Everything someone would need to start stealing my identity. This company is putting people at a very high risk for identity fraud and something needs to be done to stop it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: TX
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX  XXXX. 
OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation