BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
On XX/XX/22 I called Citibank 's Citigold customer service and placed an order for XXXX euros to be delivered to my home. My wife and I are heading to XXXX for our XXXX wedding anniversary and I wanted to utilize the Citigold 's XXXX XXXX service to obtain currency before the trip. The customer service agent took down my information including the address where the euros were to be delivered. The agent read me a disclosure asking me to assume responsibility in the event that the money was lost because I was having it sent to an address other than my physical address. I agreed and the agent gave me a confirmation number for the transaction # XXXX. They then told me my order was accepted and the euros would be delivered on Monday. When Monday came and the euros did not come I checked my account and saw the transaction had not been processed. I waited until Tuesday and called customer service. The agent saw my order but could not tell me why it had not been fulfilled. The agent indicated they would have to reach out to that department and call me back. Later that day the agent called back and told me that the other department " cancelled the order because it was not going to my physical address and they don't send euros to Hawaii ''. I have used this service in the past and had currency sent to my Hawaii address. I spoke with the agent and apparently they had no intention of informing me of the cancellation and she could not tell me why or when the service had been changed. 

The marketing material for the service ( copy attached ) does not indicate that the bank excludes customers from this service based on the geography they live in. I don't think the bank should be able to not provide a service to a customer who lives in a US state or territory based on their geographical location if they are willing to accept deposits from those customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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 do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert in XX/XX/XXXX about a fraud acct with Capital One. I contacted the company and disputed the acct. It was not resolved. I had my monitoring service send in a complete fraud packet with POA. They called several times to get this resolved and they refused to speak with anyone but the account hold. We conferenced the company today, XX/XX/21 after four previous conversations. Capital One was able to verify the package had been received, stated the acct showed closed, but refused to clarify when it was closed or if it was closed as fraud. They put us on hold for more than 25 minutes to " investigate '' and never came back. I'm concerned they are trying to sell my fraudulent account, due to their stall tactics, before resolving it as fraud. I want the account closed as fraud and a letter sent to me. 


ACCT ALERT XXXX Available Date XXXX Processed Date XXXX Freeze false Account Activity New Account Alert Type New Account Account Balance XXXX Account Number XXXX Payment Status Current Creditor Name CAPITAL ONE BANK USA NA Creditor Preferred Contact Other Address XXXX XXXX XXXX XXXX City XXXX XXXX XXXX State UT Zip XXXX Industry Type Bank Credit Cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 I was charged 6 NSF fees for an account that I typically keep over $ 10k- $ 15k into at a time. When I set up the account with the branch manager at a local branch I was told I was enrolled in overdraft protection on both my business and personal checking accounts. This one in particular was my business account, in which I've been a member with over 10 years without ANY overdraft fees. When I called the bank they only refunded 1 NSF fee for {$35.00} dollars. I also was suppose to have alerts sent to my email, which came in a day after the fact. I have proof of the e-mail. I've told them I am pulling XXXX out of the account and closing it. Bank of America will never get any of my business for any reason again. Their ethics, morals, and the way they treat their long time customers is a disgrace.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX  XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my XXXX  and Trans Union credit scores with XXXX XXXX and discovered that XXXX  had lowered my credit score by 56 points and Trans Union by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by XXXX  and TransUnion was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The incorrect information pertains to XXXX. My credit was impacted because XXXX is reporting wrong that I am 90 days late yet they are also reporting that I have made 100 percent of my payments. My student loan has been in forbearance and paused due to the Government loan pause on student loans. 
This inaccurate reporting is negatively impacting my credit profile and financial standing. I kindly request that you investigate the matter and take the necessary steps to rectify the situation promptly. 

Despite my previous attempts to resolve this matter through the company involved, the issue remains unresolved and continues to impact my financial standing. 

I have diligently followed the proper channels to address the inaccuracies on my credit report, including contacting both XXXX and XXXX. However, to my disappointment, the situation has not been rectified, and I am left with the burden of incorrect credit information that does not reflect my true creditworthiness. 

I understand the importance of accurate credit reporting for both consumers and credit bureaus. To assist you in resolving this matter efficiently, I have attached relevant documentation that supports my claim. I kindly ask that you conduct a thorough review of my credit report and make the necessary corrections in accordance with the Fair Credit Reporting Act. 
Please keep me informed about the progress of this investigation and any actions taken to address the inaccuracies. I appreciate your attention to this matter and your prompt response.

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 2019-01-29
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/XXXX i sent a letter to the XXXX  XXXX XXXX  hospital to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance for {$150.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX XXXX hospital did in fact cash my check, and I have documents to prove it. They did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections or cancel any collections attempts. Below is what was in the letter i sent Notice of Dispute and Settlement Dear XXXX  I, XXXX XXXX, disputing the entire balance on any accounts numbers, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balances currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balances payoff ), you are agreeing to settle any balances and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. If you do not agree to the amount on the check ( {$150.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: ProCollect, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did rent an apartment at XXXX XXXX, but never received any correspondence of outstanding moneys owed. After checking my credit, ProCollections is reporting a collection for {$1200.00}. I disputed this collection account through the bureaus and I send a letter to ProCollections asking for validation of this collection and an itemized list of charges and fees that total {$1200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: MI
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 accounts on my credit report that need to be looked into and removed from my credit profile. Please refer to attachments for further details on the issue on hand.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried for 2 days in a row to place a freeze on my credit report. However, I was unable to do so because the system says I have an account. When I tried to change the password it sent an email to XXXX which I closed on XX/XX/XXXX due to numerous spam, scam and phishing emails received daily because XXXX sold my personal info without my permission. I was unable to respond to the " code '' sent there because I no longer have that email address. Because I was unable to log in, I had no way to change the email address. I tried 2 numbers to call Experian to get a live agent. Both numbers sent me to automated system XXXX and disconnected me numerous times because I didn't want an AI system helping me! I needed a live agent to walk me through the process. They had no clear instructions on how to make the change myself either. I was able to successfully do the freeze on XXXX XXXX and XXXX. I could not get it done on Experian. Why?! I also was unable to get live help, again why?! This is not good business but I suspect Experian does not care. I tried to set up a new account and couldn't do that either. Why? Because the create an account link was not functioning nor responded at all. Do they care? I bet they don't! Their web site really sucks! I received a disturbing call from a scammer claiming they approved me for a $ XXXX unsecured loan with some fraud company in XXXX, WY. I was concerned since I've had 2 debit cards compromised with 2 financial institutions in XX/XX/XXXX that someone got hold of my info. I immediately placed freezes on my XXXX XXXX and XXXX reports. But I'm unable to do it with Experian which houses the bulk of my credit! So I'm more at risk with this bureau than the other 2!

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 2020-04-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is regarding my XXXX XXXX Credit Card handled by Citibank. I won a complaint against XXXX XXXX and accepted a settlement. The settlement refunded over a {$1000.00}, but I'm still being charged interest on the settlement amount. 

I'm looking at my account message sent history. There are Eight messages sent - All have a status of Unread I have called the dispute line and have faxed the settlement agreement to their dispute office several times. I've been on the phone and have been cut off after getting a live dispute rep on the line. 

They will not adjusted my interest. I want to file a complaint.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX XXXX. XXXX dollars. This was listed on all the credit reports that this account was charged off as bad credit. 

According with the Fair reporting act, the above account violated my rights according to the 15 USC section 1681, which state a consumer reporting agency can not furnish any information on my credit report without my written consent.

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 2023-03-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account received a withdrawal email notification, but the withdrawal could not be completed. I contacted PayPal customer service many times and kept waiting for me. Is there any problem with withdrawing my money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11
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:
Social number XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$680.00} Opened XXXX XXXX XXXX {$4700.00} Opened XX/XX/XXXX XXXX XXXX {$1600.00} Opened XX/XX/XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XXXX, XXXX XXXX {$490.00} Opened XX/XX/XXXX XXXX XXXX {$880.00} Opened XXXX, XXXX, XXXX XXXX   XXXX XXXX {$0.00} Opened XX/XX/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 2017-12-12
Company: Coinbase, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased XXXX XXXX total of XXXX dollars purchased from coinbase when XXXX was at XXXX dollars on Saturday got the purchase successful message and was expecting the coins to be deposited as was shown on successful message. Coins never showed up in wallet or account. Now going value for XXXX  is XXXX dollars and I am missing the XXXX coins I purchased and the profits from the growth in value. I am very unhappy that there are no people to talk to at coinbase and they have yet to deposit the XXXX XXXX I purchased as well as as the fact that I am losing profits from the investment I purchased on Saturday. The resolution I want is for them to deposit the XXXX XXXX I purchased immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 non-monetary relief