BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: Coinbase, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I am a Coinbase customer whose account was locked with Bitcoin inside by mistake by Coinbase at   XXXX   XXXX  . The total amount is about   XXXX   Bitcoin which values about 3000 USD at that time. The reason the account was locked is that the company believed I was making Bitcoin transaction at  XXXX , which is not true. Because there is no transaction made since   XXXX   XXXX  . Besides, all my transactions happened in the US.
After finding my account was locked, I tried to reach the company support and provided all the material they claimed they need to unlock my account, and the company said they will working on it. However, it has been 15 days since I got that reply from the Coinbase support and there is nothing changed. After that, no matter how many messages I sent asking about the progress, there is no reply, and my account is still locked with my fund inside.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This issue is documented in XXXX XXXX 's customer service system as case number " XXXX ''. 
Throughout XXXX, roughly XXXX XXXX XXXX ( XXXX ) virtual XXXX and XXXX general use prepaid cards were purchased in bulk from an authorized vendor of XXXX. The vast majority of these cards have not been able to be used as payment for purchases, as the cards are declining. 
Through XXXX of XXXX, some purchases attempted on the prepaid card accounts were declined, even though the funds on the prepaid card accounts were sufficient to cover the purchase. 
On XX/XX/2023, I contacted XXXX customer support to learn the status of the prepaid card accounts and the reason for the declined transactions, and customer support told me that the prepaid card accounts had been blocked via an automated flagging process due to suspicion that a 3rd party had compromised the prepaid card accounts, and unsuccessfully attempted to send me via email new prepaid card account details, and afterwards created a customer service case for me, and requested additional information ( phone numbers, card numbers, registered name, mailing address ) on the accounts and registration info which I provided to their email at XXXX. 
On XX/XX/2023, I received a email saying the case was resolved, and asked me to provide the same information to a different email, XXXX, and said that there would be an update or resolution within 1 to 2 business days, and then after I forwarded the information to the new email address, I was notified via email that the case was reopened. 
On XX/XX/2023, I replied to the last email received from XXXX, XXXX, for an update on the case, since it had now been 4 weekdays. I have not received a reply. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023, I received automated emails from XXXX with no substance, stating the case status as " Work In Progress ( Awaiting Task ) '' and " New '' On XX/XX/2023, I received an email from XXXX asking for the third time for the phone numbers, card numbers, registered name, and mailing addresses, and that a resolution or update would be provided after XXXX business days. This email was not responded to since this information was provided twice already. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023, I received automated emails from XXXX with no substance, stating the case status as " Work In Progress ( Awaiting Task ) '' and " New ''. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, I received automated emails from XXXX with no substance, stating that they would provide me with an update as soon as possible, stating the case status as " InProgress ''. 
On XX/XX/2023, I contacted XXXX via phone and asked for an update on the case, and they could not provide any update of substance or a timeframe for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2017-07-18
Company: Trojan Professional Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is with Trojan which shows the original creditor as a   XXXX    office. I have no knowledge of this debt and I have asked multiple times to verify this debt as mine. I have not got any proof that this is my account. First off I had   XXXX   insurance and anytime I had a bill or went to the docs it was paid by my insurance. Second it is HIPPA violation to release any information to a creditor or any one else. If this is my account I would have signed a hippa form to not disclose my information to anyone so this would be against the law that Trojan has the account and is reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer directly through the Bank of America website when I logged in about a promotional offer for a business checking account. The offer stated that you has to open an a business account before XX/XX/23 and deposit {$30000.00} in the account within 30 days and maintain that amount for an additional 60 days. After that point you will receive {$1000.00} cash bonus. I called Bank of America around XX/XX/23 to verify the offer and ensure Im eligible. I was told I was and proceeded to open the account on XX/XX/23. 

I met my account requirements on XX/XX/23 but now Bank of America is stating that they cant find the offer and the offer code provided in the application didnt match what Im stating. I provided proof directly from the online Bank of America site. 

I feel like bank of Americas actions are deceiving and fraudulent.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these acoount

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 2023-08-04
Company: Experian Information Solutions Inc.
State: UT
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 found unathorized/fraudlant accounts reporting on my credit report and nobody is helping me. Please removed these accounts.

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 2023-03-10
Company: EQUIFAX, INC.
State: NC
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:
On XXXX of XXXX I missed a pay payment on my XXXX XXXX account. I called the company to see if it could be removed due to being out of work from having XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. THEY WOULD NOT REMOVE THIS FROM MY CREDIT REPORT. In accordance with the fair credit reporting act this creditor has violating my rights under 15 USC 1681 Sec 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Shellpoint Partners, LLC
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Loan servers, now Shellpoint and their predecessors could not release a mortgage note stamped paid in full. When I had the resources to pay them off in full, they could not release the mortgage because they claim there was a title issue. 
Instead, the loan servicers sold servicing rights multiple times, knowing or shouldve known there was a problem with the title. 

Instead of correcting the title issue in XXXX, so the note and mortgage could be paid off in full in XXXX, loan servicers, now Shellpoint, sell the servicing rights and create fraudulent documents, including assignments to different bank trusts mortgage- backed securities. 

Shellpoint claims they have all servicing and previous servicing records. 

I am asking through the consumer financial protection bureau and asking Shellpoint Why didnt I receive a welcome letter when the servicing rights were sold to new residential mortgage XX/XX/XXXX? 
XXXX years later we receive an email. 
Please see email dated XX/XX/XXXX. 

What is XXXX relationship with new residential mortgage mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: R.M. Galicia, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is with Progressive which shows the original creditor as   XXXX   XXXX  . I have no knowledge of this debt and I have asked multiple times to verify this debt as mine. I have not got any proof that this is my account. First off I had health insurance and anytime I had a bill or went to the docs it was paid by my insurance. Second it is HIPPA violation to release any information to a creditor or any one else. If this is my account I would have signed a hippa form to not disclose my information to anyone so this would be against the law that Progressive has the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My complaint is with JP Morgan Chase Credit Card Services.

I called them today regarding an issue with my credit card. At the start of the discussion I was informed that the call would be recorded by Chase. I informed them that I would also be recording the call.

The individual I spoke with insisted that I stop recording as they DO NOT ALLOW THEIR CUSTOMERS TO RECORD CALLS, yet they insist that they must be allowed to record calls or they will disconnect the call.

Why are companies allowed to impose unfair and heavy-handed policies against me while they restrict my rights to do the same thing that they are doing? This is a criminal policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had fraud to my Wells Fargo account that i have had it for 39 years. I was contacted by a person saying his was a Wells Fargo agent and that I had fraud. I was dealing with my XXXX  parent was not in my right mind. They took money out of my Checking account in the amount of {$6800.00}. I followed the proper protocol and had all accounts closed. I contacted the police department and filed a police report. I continued to call and was informed that they are working on it. I finally got a letter saying the claim was denied. I was told it was going the executive escalation department. Never heard back. Called today and was told that my claim was never opened back up and my claim was denied. I feel that my information was provided by a breach with Wells Fargo, for them to have my all my personal information. Wells Fargo is insured for this and they told me that I would have to do the research to get my money back. I feel as if they did not investigate properly and they are just denying all claims. I am very disappointed with Wells Fargo Fraud department. They had been extremely rude to me on each call. Big banks do not help they clients when they have fraud due to there negiliance.

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 2017-07-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Almost 3 years ago I got a phone call from a debt collector saying they were trying to collect on a delinquent account for a store called XXXX and I spoke with that agent for almost 30 minutes on the phone telling them that I do not owe. Any money at all and that they needed to send me all Account Details to validate the debt and all of the cash and credit card transactions that I made towards that card because I always paid back what I used on that card it was only at a {$200.00} limit and each time I went into the store I paid back what I owed add One online payment via their website and with the cashier that I was cleared and now all of a sudden it 's on my credit report after 3 years I find it very odd now that all of the locations of XXXX have closed and all of a sudden I am getting something on my credit report saying that I owe them {$320.00} and I said that they need to also check with the XXXX store  in XXXX XXXX Florida in the XXXX store in XXXX Florida for the Reps that I gave cash money to for my account and told me that each time I was cleared I only use the card no more than four times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Ocwen Financial Corporation
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:
Ocwen Loan Servicing is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from Ocwen verifying and confirming the error but they still failed to address error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi  Dividend  World Mastercard c harged a foreign transaction fee.     When I signed up for the card a few years, the "  World '' Mastercard was not supposed to have any foreign   transaction fee.   I used this card to for a purchase in  XXXX   XXXX .   The purchase amount was  XXXX   XXXX  Citicard applied a 3 % foreign transaction fee, total {$130.00} When I talked with a   Citicard customer rep ( online chat ), she forwarded me the agreement for the card, that had 3 % fee.
Though, I know when signing for this " World '' card, Citi promised 0 foreign transaction fees.
Before making the purchase, I checked my account on citicards.com. The account website does not list this fee anywhere on the screen.
They send the card agreement via mail in 8-10 days.
  Citi card is making this information   difficul t   to find.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
Pursuant to 15 USC 1681 Section 602 it states I have a right to privacy.

Pursuant to 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 USC 1681A- Definitions ; Rules of Construction- Exclusion.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer in the person making the report ; To conclude, pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

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 2023-03-10
Company: EQUIFAX, 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, NC XXXX

Company response to consumer: Closed with explanation