BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I sold XXXX for {$14.00}, XXXX for {$170.00}. XXXX for {$100.00}, XXXX for {$870.00}. XXXX cents was currently in the account. A total of {$1100.00} should have been in my account after the sale. I advised Robin Hood to DEPOSIT the proceeds of the sell, ( i.e., XXXX for {$14.00}, XXXX for {$170.00}. XXXX for {$100.00}, XXXX for {$870.00} ) -- totaling approximately {$1100.00} into my checking account ending in XXXX on XX/XX/2021. INSTEAD they used the word DEPOSIT from XXXX Account. As such, what should have been deposited into my account is now showing as a debit in the amount of {$1100.00}. 

I believe this was done as a FLIM-FLAM -- a trick or deception! because their documentation reads " Deposit from XXXX XXXX  CHECK '' and Withdrawal to XXXX XXXX  CHECKING '' when in FACT, these people simply WITHDREW from my account the amount of money that I asked to be DEPOSITED into my checking account. This company is using a play on words to deceive people into doing things that they don't intend to do. It is common knowledge when dealing with money that DEPOSIT means to GAIN and WITHDRAWAL means to TAKE. Their play on these two words are deceptive. In any event, I've attached the sell of these stocks and have not received the " DEPOSITS '' from the sell of such into my XXXX XXXX  CHECKING ACCOUNT ending in XXXX! I've only seen them WITHDRAW this amount from my account in error!!!! Furthermore, I do not see any historical information regarding the settlement of these stocks and/or funds. I have tried with no luck to resolve this issue with Robinhood. I have yet to see the history of the sell of these stocks, THEREFORE, I am filing this complaint. I might also add, this company 's online application is not TRANSPARENT -- but mostly confusing. It seems to always have technical issues. It seems to work fine when debiting people 's accounts as this is done in " real time '', but when it comes to " depositing '' monies into people 's account, it appears to always be having technical issues -- never done in real time. As you can see they have completely misused the banking terms " deposit and withdrawal, '' I believe on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has placed a collection on my credit profiles claiming that I owe {$1900.00} to XXXX XXXX. Ive never had an account with XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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'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 about 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 explanation
Consumer complaint received 2022-10-06
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. 

XXXXXXXX XXXX XXXXXXXX, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. 

On the immediate top, left-hand side, the first thing I read was their address : XXXX XXXX XXXX XXXX XXXX. 
ATTORNEYS AT LAW XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. 

However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. 
Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. 
( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does XXXX include " XXXXXXXX XXXX XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. 
Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXXXXXX XXXX  XXXX '' in the address ) on the front page? 

I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. 

Can your office please look into this? I see it as a stumbling block for many consumers. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2020 I doubled the amount of XXXX  tokens on my Coinbase account due to a bug ( went from XXXX to almost XXXX in a matter of seconds ). I sold my initial investment but kept the rest. In the following days it was announced that XXXX  ( XXXX  ) was under investigation by the SEC agency and the price went down to 50 %. I then received an email form Coinbase saying that my tokens I earned were due to a bug and that I had to repay immediately. I payed everything I had earned plus my initial investment but by account was still in negative balance. Now the price of XXXX  went up again and the balance is more and more negative. I've seen that this is not only my case but a lot of other people suffered from this problem and lost all of their earning due to Coinbase mistake. Please help me find a solution to this problem as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a XXXX XXXX XXXX with Bank of America for XXXX. A fixed rate. A year later I had storm damage and I asked them if I could increase the loan to XXXX. They said that they would have to create a new loan. The XXXX XXXX is XXXX. All of this over the phone. I did email them verification of income once again and I am sure they did a credit check. I did not receive any paperwork from them prior to the closing. I knew that interest rates had changed for this second loan but the only thing I was doing was increasing the loan. I met someone at a restaurant and signed the papers. She was not an attorney I believe as was done the first time. The loan would be around {$560.00} a month and it was a year later that I discovered that Bank of America had changed the loan from a fixed rate to a variable rate without my knowledge. Now my payment is almost {$1000.00} a month. Only an XXXX does a variable rate. I would never do it. I did not have knowledge of this until the monthly payment increased. What a scam.

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 2023-02-27
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Thank you for your help. 

Arvest Mortgage Company at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX, did an ESCROW audit in XXXX and I paid what they told me was short {$4400.00} the end of XXXX, then I got a notice that they did a second Audit and I needed to pay {$4000.00} after I had already paid the {$4400.00}, they said if the extra {$400.00} was not needed I would get it back next year. 

I was told my new payment amount would be {$1400.00} and I paid XXXX payment the end of XXXX in that amount, and I thought everything was fine, then I paid XXXX payment on XX/XX/2023 it cleared my bank on XX/XX/2023, then this weekend XX/XX/2023 I got a notice that the payment of {$1400.00} is " Suspense '', and I owe the payment of {$1800.00} ( which was the amount before I made the Escrow payment. ) for XXXX and a late fee along with XXXX payment of {$1800.00}. 

I have had many phone calls with this bank and was told it was fixed two times now and then I get the notice of a late payment and the payment still not corrected.

With 2 different Escrow Audit done and both with different amounts I know what is right in reference to the ESCROW and I can't get my payment correct after paying the shortage.

This Bank has been a nightmare to deal with, for a long time when mistakes happen, they said it was because a system change.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent many letters, I have tried challenging the erroneus reporting, I have shown how inaccurate the reporting is across all 3 bureaus at least 5 times now and each time the bureaus use their automated system and somehow the creditor verifies it. How can it be accurate if it is not the same across all 3 bureaus?! How can I have different open and close dates, different payment statuses? I paid this account in full in XX/XX/XXXX as part of a settlement agreement. The account was never charged off or sent to collections. Every month they add a new random remark thus dropping my score even more when this was done in XXXX and there should be NO MORE reporting EVER past XX/XX/XXXX when it was paid and closed in full! This is completely against my consumer rights that no one cares that it is not reporting correctly when I point out blatantly inconsistent reporting! NO remarks/no reporting, no anything should have been reported past XXXX XXXX! Low and behold I log into my XXXX reporting and XXXX XXXX has added a new payment status : 120 days past due. Thats weird since it was been PAID SINCE XXXX! Incompetent and unacceptable! And how can they say this was charged off and sent to collections when it never was?! Which has also been one of their status updates! I did a settlement well before my account ever got to that point! Their own letter states that this will be updated as paid as agreed! So why is one bureau showing my CURRENT payment status as 120+ days past due and another bureau showing in collections/charge off if it is PAID! At this point I feel all of their reporting is malicious and I will sue if this is not 100 % correct or deleted from my reports in entirety. XXXX XXXX has bullied me enough the last 6 months with their poor reporting. As you can see by lying on their reporting as of TODAY XX/XX/XXXX and deciding to randomly go in and do a status update they stated my account is 120 days past due as the current payment status and it has yet again dropped my score XXXX points today?! Absolutely ridiculous. It needs to be corrected TODAY!

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 2023-12-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notification from Chase that they are closing my 3 credit cards that I have and they service. I have never been late and my credit is flawless. I was informed that was being closed because of prior account being closed! That was over 10 years ago and now they want to close after all that time! Very inconvenient as I use the cards and the partners that they represent. It is hard to understand why now?? Why ever?? I am a good customer and pay my bills on time! This will also hurt my credit which is unacceptable to me! I am asking for your help in this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1992 Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 



I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 



I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being.

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2023-04-06
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I have inquires that i have discovered on my report. I sent a letter on XX/XX/23 about this dispute and nothing was corrected. I disputed these inquiries with Experian because they were never authorized by me and there is no proof that I authorized these inquires. Experian was unable to verify. This is a violation. My credit report is supposed to be reporting with 100 % maximum accuracy. I demand these inquires be reinvestigated and removed from my report. I am very disappointed in Experian 's service. We are supposed to trust them to do their job correctly. I have attached all the inquiries and necessary documents.

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 2022-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
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 DID NOT AUTHORIZE THIS COMPANY TO USE MY CREDIT REPORT AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. 

Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter.

Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked.

I have listed the items on the document attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXXXXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

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 2023-05-01
Company: Global Lending Services LLC
State: FL
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:
There have been several inquires made via my credit without my consent to different finance companies and banks. These are authorizations I didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was issued a credit due to me by XXXX the refund was sent to a closed Sears cc account. Instead of returning the funds to the issuing company so that they could send me a check, Sears CC sent the funds to a collection agency that they had sold the discharged debt to, XXXX. The debt sold to XXXX was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called XXXX has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
Sears sold the debt to XXXX, who is managed by XXXX XXXX and that they are all under the umbrella of XXXX XXXX. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including Sears and all of other company 's names included as I am not sure which ones are considered collection agencies! Sears sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the Sears account numbers and balances that they collected in XXXX of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Was not notified of investigation status or results

Complaint:
There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

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