BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been locked out of an account I hold with Coinbase.com, a crypto currency exchange. On XX/XX/23 I received an email stating my account would by closed due to 'prohibited use in violation of our terms of service ', and that I should log in and follow instructions to move the funds I had on the account off their site. When I attempted to log in, this message is shown - 'Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX XXXX XXXX XXXXXXXX XXXX ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. ' There were no instructions to move funds off their site. 

This is not accurate, I have never been to XXXX, and have been in XXXX Washington USA for over a year, and havent left the US in several years. I can provide ample evidence of this. I have also not tried to log into this account in several months. I reached out to their support, and they have 'elevated the issue ', and said I would receive and email for further instructions, however I have not heard back. 

I do not know the exact amount of cryptocurrency I have on the site, but I know it is over XXXX XXXX XXXX which is worth ~ {$12000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Attempting to sell my property, XXXX XXXX XXXX XXXX MD realtor told me house was paid in full and another home in XXXX XXXX MD on XXXX XXXX XXXX, XXXX MD also paid in full. The Maryland land property records show a forged, false and fraud power of attorney filed with the my home deeds Book XXXX, Page 292, file XX/XX/2019. This forged power of attorney signed by my now ex husband. Issues surrounding equity in my home I can not access and have tried reaching out to lender/servicer, title is missing, mortgage lender XXXX XXXX XXXX and XXXX XXXX  . Original lender Ocwen  now is PHH mortgage, customer account activitiy statement shows my payments are transferred as " Cash '' to " corporate '' not to mortgage/debt. Issues surrounding XXXX XXXX insurance policies, in which XXXX XXXX XXXX XXXX issued a $ XXXX dollar rental and business policy on my residential property. They will not honor any valid claims for damage to home, without significant deductible yet has extraordinary cost and policy changes without my knowledge. MERS shows home is paid off, mortgage servicer shows only a " hazard insurance '' XXXX XXXX  shows significant policy difference, I am unable to access equity, Trusts in mortgage loan related to deed, that include a {$10000.00} payment to XXXX XXXX XXXX, and another $ XXXX easement for upgrade sewer system, Town of XXXX, MD. Property assessments have been altered since purchase of home. These easements, covenants and restriction due to forged/false power of attorney making change decision on my behalf. Trusts making it impossible to sell my home, multiple properties confirmed in my name by XXXX XXXX and Maryland Land records. Fraud EIN created using my SSN, false " businesses '' that may be stealing equity in my home, through unethical mortgage loan, insurance. I have sever HVAC repair need and can not access equity or sell my home, no realtor ( 6 have interviewed ) will sell my home or know how to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
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:
my XXXX year old used my credit cards without my knowledge or authorization. Spent alot of money. I disputed with HSBC and they sent me a letter back stating they would not credit my account for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
After reviewing my credit report, I noticed several items and information that I did not authorize or have knowledge of. These fraudulent items must be removed from my credit report immediately, as per FCRA Section 605b. I have filed a CFPB complaint and provided the necessary documentation to support my claim. I need the following items investigated and removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, MD XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I want to clarify that I did not open or give authorization for these items to be listed on my credit report. As stated in FCRA Section 605B ( a ), the credit reporting agencies are required to remove any information listed on an ID theft report, and I have filed such a report with the FTC. I expect these fraudulent items to be removed from my credit report within four business days of receipt.

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 2019-01-31
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've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be on my credit 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 explanation
Consumer complaint received 2021-05-28
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit control this will be my last warning to you before taking legal action whenever you provide an ICD9 code and current procedure terminology Which is a coding system design for the medical diagnoses and procedures you on your company letterhead sent out what you called a debt validation I have the paperwork that you provide it to me via US mail I will be reaching out to an attorney on Tuesday to take the necessary actions you have a happy and safe memorial day weekend and you will hear from me very soon I promise you thanks credit control!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My complaint is against Transunion Credit, I noticed on XX/XX/2020 my credit score drop 14 pts. between XX/XX/2020 -XX/XX/2020 and Transunion Credit can not explain to me why. Between XX/XX/2020 - XX/XX/2020 I had no missed or late payments during that period, also I had an decreased in payments. My XXXX XXXX XXXX  decreased by {$84.00}, XXXX XXXX XXXX  decreased by {$9.00}, XXXX  XXXX XXXX decreased by {$69.00}, XXXX XXXX decreased by {$520.00}, which put us at an total of {$690.00} paid between XX/XX/2020 - XX/XX/2020, if anything my credit score should have increase. If Transunion Credit doesn't correct this issue, I will file a civil suit against Transunion Credit, this mistake has cause me home loan, and put me in deep 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 2019-03-18
Company: Comerica
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am missing about {$150.00} from my XXXX XXXX debit card account balance. I have all my receipts for the month of XXXX..and my receipts from my online purchases. I added everything together and I found discrepancies with the numbers! My balance is much too low..according to all my receipts and my debit purchases I made for the month of XXXX so far!!! Believe me I have all my receipts for the month of XXXX..and I am missing money!! It may not be as much as {$150.00} but there is some discrepancies somewhere. I need XXXX XXXX to return all money back to my debit card ASAP!! The company hasn't responded..they often hang up on us, ..or are not clear on what they are saying!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-04-16
Company: PROVIDENT FUNDING ASSOCIATES
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After the state of Washington went into lockdown due to Covid19 in early XXXX, my business had a dramatic drop-off in revenues. I contacted our mortgage provider Provident Funding ( ProvidentFunding.com ) and asked for a 6 month forbearance with interest and principal payments added to the back end of the loan. They agreed to do so given the extraordinary times we are in. I thought we had everything settled. 

Today, I received an email from Provident Funding that said all of the payments for the 6 month forbearance period would suddenly come due at the end of the 6 months. I have tried reaching them but they are not responding. This is totally unacceptable and appears to be predatory actions during a time of financial crisis. I will also be contacting my political representatives at the state and federal level to discuss what can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-02-08
Company: Experian Information Solutions Inc.
State: OK
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:
After sending a removal of debt request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, I received a refusal to remove the debt from my credit report on all XXXX bureaus on XXXX XXXX. The letter stated that I had not provided enough information related to my dispute. The XXXX documents they sent me were a " move out statement '' dated XXXX. It has a list of charges adding up to the balance of {$5700.00}, and an address with the zip code of XXXX ( a postal code in XXXX, XXXX ). The other document is an Apartment Lease Contract. This document has all electronic signatures and an address with the zip code of XXXX. Both of documents are in consistent, fabricated, fraudulent, and I want this debt removed from my credit report on by Experian and XXXX. XXXX has honored the dispute of this debt, and removed it already. But I have been turned down by XXXX apartments in the last 2 years due to this fraudulent debt. I need it removed as soon as possible.

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 2023-08-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I placed a check to the IRS into a USPS blue mailbox in the amount of {$90000.00}. The check was stolen, forged and cashed the next day by a person unknown to me. I reported this fraud to Truist on XX/XX/XXXX, and my claim was immediately denied because the bank said I failed to report the fraud to them within the required timeframe. Truist carelessly gave my money to a criminal by way of a blatantly obvious forgery. The level of security Truist and the cashing bank displayed regarding this forged check was XXXX. No one from their fraud investigation department or collections department has contacted me regarding the incident. Truist failed utterly to protect my money ( the primary purpose of a bank ) and has no intention that I can see of reimbursing me for their failure. If this is indicative of the care that banks take with paper checks, then banks should no longer be in the business of processing paper checks, or the government should ensure that they are liable for fraud when their security procedures are so easily defeated. The Truist Claim # is 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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is reporting incorrectly that I am ( 60 ) days past due on the State of Colorado XXXX XXXX. I started a new job on XXXX and the child support payments had been coming out of my paychecks. When I saw that XXXX and XXXX payments were not being applied I contacted the department and was directed to pay directly through XXXX. Starting in XXXX the payments began to be directly taken out of my pay checks again. I have attached copies of my paystubs and payment ledger which clearly shows that I had not missed any payments. This account is current. This false reporting of lates is seriously harming my credit score and Transunion needs to update this information and delete the lates being reported. I have tried to contact Transunion to remove these however, I have not been successful.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$250.00}

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 2023-01-21
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:
this account does not belong to me they keep placing an accurate information on my 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 2019-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a mortgage and a checking account with Bank of America. I paid off my mortgage and I " closed '' my out of state checking accounts in XXXX with XXXX  XXXX  XXXX  XXXX transferring funds to my in state checking by check. I also " closed '' my checking account with Bank of America in XX/XX/XXXX. I received a statement this month, XX/XX/XXXX, that I owe them a {$25.00} service fee. Since I have no money with them and have paid off my mortgage better than two years ago I am wondering what service are they giving me?

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Transunion outsources the " free credit reports '' to " XXXX ''. They want {$1.00} upfront then automatically bill you {$29.00} ( unless cancelled within 7days ). The credit reports are NOT free. Their phone number is 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 explanation
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
my nephew went to a XXXX dealer and was buying car he put down payment down and was denied the loan said he needed a cosigner so im the uncle and i cosign but later i found out he wasnt owner i was and he was cosigner i told the finance lady that i only receive XXXX a month from social security i have done some investgating and found out my income was inflated to over XXXX a month plus the lender is sending me all paperwork in the mean time my nephew has done a volntary go back he still has it the loan company has close the case and the dealer fired the fiance person i told the loan company the dealer defraud you about my income with payments and down payments my nephew stands to lose about XXXX dollars dealer wants to pay off the loan and give him XXXX to XXXX off a new vehelcle he told me inflating my income on loan doc mean nothing i said yes it does thats fraud i dont get it loan company close account nothing happans to dealer and either me or my nephew has to pay difference on what they get outta it and dealer gets by with it something is very fishie about this loan papers were sign at his job site not dealer and she said she mess contract up so im confused if i did it to them they would sue the me for everything i got

Company response to consumer: Closed with explanation