BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no idea what the debt is they are trying to collect. I have attempted to contact the collection agency, and the original creditor and have received no response from either. I have requested it be removed from my credit report and am just being ignored on all angles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NJ
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:
Late XXXX XXXX, I became apprised of the fact that an unauthorized inquiry appeared on my credit. I attempted to notify Equifax of this issue and initiated a dispute as per their online portal. They failed to do any semblance of an investigation and came back to me later indicating that this unauthorized inquiry would not be removed. As a result, I was forced to complain to a higher authority and filed FTC report XXXX. I mailed a copy of that report as well as another dispute and demanded removal. Equifax has not removed the inquiry as of this date ( XXXX XXXX XXXX ) and is presently in violation of FDCPA. I am initiating this CFPB complaint as a last ditch effort prior to filing civil litigation as a result of Equifax failing to adhere to the laws and regulations it is required to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
My single Member XXXXXXXX XXXX XXXX XXXX   recently invoiced XXXX $ XXXX ( XXXX XXXX ) for the sale of Intellectual Property. The invoice was generated and submitted, and payment received all within the PayPal platform. According to the PayPal interface payment was received on XX/XX/20 ( Transaction ID : XXXX ) and I was subsequently told by a live PayPal representative that availability of the funds was subject to a 21-day hold due the amount of the payment. As indicated in the attached transaction report from PayPal the amount of the transaction is incorrectly reflected as {$1.00}, which PayPay must definitively verify and substantiate and correct. Confusion may have been caused by the fact that subsequent to submitting the invoice to XXXX I offered them the option of purchasing additional Intellectual Property for substantially more so the Payment may have been $ XXXX XXXX XXXX XXXX ). So in summary, I have been without access to my funds now for over XXXX because of PayPals inability to verify a payment amount and deposit it correctly, I other words do their job. I have also requested PayPal by email to restrict all non-debit-card Debit transactions on the account until such time that I am able to meet with them in person to positively verify identity biometrically and agree upon debit procedures. Hopefully they are able to at least correctly address the debit restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/2017, I applied for a loan modification with XXXX which was my lender, all required documentations was submitted, as well as the trial payment that they required were sent and collected by them, on XX/XX/2017 I received a phone call from XXXX saying " Congratulations! we have received the trial payments and all documentations is already completed, you should be receiving the modification agreement next week, do not sent any mortgage payments until you receive the modification agreement reflecting your new mortgage payment, you need to sign them and send them back '' ; at the same time of all this process I received a letter from XXXX saying that my loan was sold to a new lender Select Portfolio Services, and they will honored any previous modification agreement already approved. 
Until now I have n't received my modification agreement, I have been calling back and forward to both companies XXXX and SPS, and they just keep saying that I need to keep waiting. 
It is taking to long and I am calling every week with the same answer. I do not want to lose my house and I can afford the high payment. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I received a letter from this company stating they used my information to submit an application on my behalf in XX/XX/XXXX. 

They stole my identity and information for use of their own benefit. They lowered my credit score by fraudulent practices for their own benefit costing me careers, education, other financial services opportunities such as getting a bank account or credit card, a car and a mortgage. They directly impacted my life in a manner that cost me and my child ( ren ) their livelihood. 

They also ran my social security number over eleven times in XXXX and refused to acknowledge any of their mistakes instead stating that I was crazy. They would often gaslight me and say that calls I had with them did not happen though I recorded some of them and my account from my phone company does in fact reflect the calls were made. They have caused me mental anguish, anxiety and a loss of faith in the credit system and banks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX I deposited a check for {$500.00} and cash amount of {$400.00} into Wells Fargo ATM # XXXX - the ATM froze, and then gave me my card back. The deposit email only showed the {$500.00} check deposited, and nothing about the {$400.00} cash. 
I went into the Wells Fargo XXXX # XXXX and told the banker what happened. They advised me to file a dispute with Wells Fargo so I did that immediately. 
I received a credit for the {$400.00} while the investigation was done. 
On XXXX the {$400.00} was reversed and the bank said the investigation showed no error on their part. 
They said theres nothing else they can do, and dismissed me. 
There should be camera footage of this transaction, as a business owner with this business account who deposits cash and checks often, I feel I cant rely on Wells Fargo to be honest about ATM transactions, and I cant get any assistance from Wells Fargo. 
The ATM should clearly show there was additional funds from my deposit, and if not there should be footage or records of my issue with the ATM, yet I cant get any resolution from Wells Fargo.

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 2023-03-02
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: January Technologies, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received late payment notice to my XXXX XXXX for purchase I didnt made through XXXX XXXX. 

Now I received a mail from January technologies inc. stating I owe this amount through XXXX XXXX which I know nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: PNC Bank N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First off, to preface this issue, I would like to explain that I have tried to resolve this issue with BBVA, in fact they admitted over the phone that the bank was indeed wrong in charging me the NSF fee, but they weren't able to do anything about it due to the same error being made the month before, in very similar circumstances. So, their system won't " allow '' them to refund the fee, even though it was charged by mistake! This was verbally admitted to me on two occasion. Anyways, moving on : On XX/XX/21 I was charged an NSF fee of {$32.00} for an attempted {$32.00} debit from my account. This makes zero sense, as my account balance the day before, on XX/XX/21, was {$100.00}, and on XX/XX/21, my account balance was {$350.00}. This is all shown on my statement. The bank employees confirmed this as well, and weren't able to give me a single reason as to why I was charged the fee, and like I stated above, it appeared to be a mistake. 

That being said, no one was able to help me. They said it was impossible to refund me the fee since a similar incident happened the month before in XXXX, when I ALSO had funds available for the debit but was charged an NSF fee regardless. 

I find this to be absolutely bonkers, immoral, and wrong on so many levels. I am requesting assistance in getting this fee refunded to me, and compensated for my time in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2023 XXXX XXXX Shortly after XXXX my account was hacked, and monies were taken from my 'protected ' bank account on Coinbase and invested in XXXX twice. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XX/XX/2023 XXXX XXXX Shortly after XXXX my accountwas hacked again. This time the hacker was allowed to purchase and/or sell XXXX  to other accounts from my account at least three, but probably more, times via various trades and other devices. ( See Highlighted Transactions ) During this period of time, and as before on XX/XX/2023, I was never asked for confirmation nor informed of any of this activity. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX On XX/XX/2023 I contacted Coinbase via telephone XXXX XXXX and spoke with a representative. I requested assistance from the representative, and none was given. The representative was barely discernable and kept-on repeating the transactions I was contesting. In addition, the representative also kept repeating that I owed Coinbase money. Nothing at all was attempted to resolve my situation. 

Coinbase was clearly negligent in not only allowing a hacker to infiltrate my account, but to further allow unauthorized transactions to take place without my consent, or informing me of such activity. Furthermore, Coinbase failed to protect my banking information from said hacker who then easily managed to transfer monies from my XXXX XXXX XXXX XXXX Banking account ( s ) into Coinbase to then be used for unauthorized trading and sale. This fiasco has caused me financial damage and distress over several days period of time and continues to do so as I write this complaint and demand for recovery of lost finances. 

In addition, after contacting Coinbase they made matters worse by offering no repair or recovery whatsoever, but simply demand that I pay them money instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have mailed 2 certified letters to all XXXX collection agencies ( XXXX ) on XX/XX/2017 and XX/XX/2017 regarding this creditor AR RESOURCES for a medical bill. I have asked for Validation of this debt with my signature stating that they can report this since this is a HIPAA violation of my private medical account and medical history information. I did not authorize nor consent to this. I have yet to receive any proof with my signature of me consenting to the release of my private health information. They refuse to provide proof as to why I am filing this complaint and I am trying to purchase a home and this is showing I have financial trouble in which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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: Account information incorrect

Complaint:
Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX, XXXX, equifax This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of EdXXXX I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 2023-04-03
Company: NAVY FEDERAL CREDIT UNION
State: NM
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:
An account was opened with my information through Navy Federal Credit Union on XX/XX/XXXX ( over 7 years ago ) and the account was closed on XX/XX/XXXX. I have received a phone call regarding this account. 

I have verified through my states Attorney General that the Statute of Limitations of 4 years for enforcing open-ended loans ( including credit card accounts ) through the courts in the state of New Mexico has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. 

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The new companies name is " Genesis FS Card Services ''. 
When starting to build my credit years ago i had signed up for these 2 credit cards that were owned by a different company. Each only had a {$300.00} limit with no annual fee. I obtained these cards simply to sit on and build up my total credit limit. 

Now several years later a new company has acquired ownership of the Indigo and Milestone cards. I suddenly started getting bills for a {$100.00} annual fee per card that i never signed a contract for. 

I tried to go onto their website to pay the bill/cancel the cards but all of the links on the website are dead. My bank will not connect to this website to allow me to attempt to pay this bill and the 2 phone numbers provided on their website are disconnected. 

I am not sure what to do in this situation, i would have never signed up for a {$300.00} limit card with a {$100.00} annual fee as i have 4 other credit cards with limits over {$3000.00} that have no annual fee. 

Here are the websites i am expected to pay the bill from, but they are non functioning and custom service is non existent. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: NJ
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:
These credit bureaus are reporting inaccurate information Experian, XXXX and 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was an authorized user but had no card or access to credit. Primary account holder has passed away and had debt remaining obviously.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: CCF Intermediate Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This debt collector, XXXX XXXX, repeatedly called me today for more than 9 times, threatening to file a criminal lawsuit if I dont pat the whole amount of debt, {$1100.00}. He threatens to call the police and sheriff to arrest me and be put to jail. I told him I dont have the money to pay him the whole amount, I was trying to make payment arrangements of {$100.00} a month but will not accept it. I have called just answer, talked to a criminal lawyer named XXXX XXXX XXXX, and he told me that this persons tactic is illegal. He told me to file a complaint with CFPB, and if this person pursue to take legal action, I can counter sue him later on. I was also told that this could be a scam. XXXX XXXX works for Cash Central, it says a proud member of Community Choice Financial, no address given. XXXX XXXX telephone # is XXXX. He also texts me that I have to make sure that I will have a criminal attorney within the hour of his text at XXXXXXXX XXXX today, another XXXX at XXXX XXXX that if I think by ignoring his calls will help me, at XXXXXXXX XXXX another text, asking for my lawyers information, and by blocking him will not save me from warrants.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation