BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The company ( Coinbase ) manages virtual crypto wallets. The method of access is either mobile app or web app using typical user/password authentication followed with a XXXX or XXXX challenge . My account uses XXXX and when authenticating to the service the user/password combination is successful but the Coinbase telephone SMS short code is never sent with the authorization code that is required to input into the web/mobile app challenge to complete the authentication process. 

The issue was taken up with my mobile ISP ( XXXX ) who escalated with a tech support person and engineer to resolve the issue if it was on my end at the phone or their end at the mobile ISP service. My phone was fully reset to defaults and reviewed for any phone or code blocking that could prevent the Coinbase service from sending messages to the phone. Then we successfully tested other short code services ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX 's short code service, and several other short code services from other applications I use ) and reviewing XXXXXXXX XXXX XXXXXXXX  logs for my phone number, it was proven that the Coinbase was never sending their short code XXXX response. 

Before this process with the mobile XXXX, Coinbase 's online support pages had been followed fully, two times with no success. Phone calls were made to Coinbase 's support number but the service does not actually respond with advice or a person that can assist. At the end of each decision tree of the phone support queue you are dropped from the call.

A ticket was opened with Coinbase which initially only offered a canned response of what was provided in the online support pages. Additional information was sent to Coinbase to show that the problem was not at the customer end and a single email response with a repeat of the support advice was returned. When Coinbase was presented with the evidence that neither the mobile device or the mobile ISP was the problem, Coinbase ceased responding.

Several thousand dollars are currently residing in control of Coinbase who at this time is not responding to any attempts at communications. 

At the advice of a XXXX engineer I have submitted complaints to the Common Short Code Administration ( XXXX ) directly through the XXXX XXXX XXXX XXXX ( XXXX ) in regards to their short code service not responding according to XXXX best practices. The same complaint was also filed with XXXX XXXX who is tasked by the XXXX XXXX XXXX to monitor and enforce short code best practices. 

I am including a screen shot of the authentication page where the XXXX challenge code is input. This shows that I have control of the user/password and can partially authenticate into the Coinbase webpage but require the short code response from Coinbase to be able to move any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE

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 2023-01-04
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Disputing Personal Information, Collections, Inquiries ( See Attachments ) Inaccurate Personal Information ( Name, Address, Employment, Social ) Collections ( see attached ) XXXX XXXX  XXXX XXXX XXXX XXXX FDCPA & FCRA Violations ) Requesting ( Validation, Verification, Proof Validation Letter Sent, Address on file for consumer ) ( All Documentation in Cease and Desist Letters ) Attached Hard Inquiries ( no authorization ) Permissable Purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is an account with Truist that needs to be addressed. Its my fathers account that is still open. He has been deceased since XXXX. I inherited his property and had the mail forwarded to my house recently as we were moving utilities, etc .... The property came into my name in XXXX and I realized I should stop the mail. 
There is a bank account statement with XXXX in it and the bank is refusing to freeze it and says we have to come to the branch. 
We are in XXXX and this is in XXXX. 
We cant just come there, they need to have a freeze placed and we want to know who is using this account!! We knew there was an account but he died at XXXX and his home was ransacked so we couldnt find any information. Supposedly there wass XXXX in an account and now there is XXXX. 
We want it frozen we want answers so we can get an attorney and figure it out.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # 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

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened. 4. Last payment date and 5. Closing date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closing Date XXXX - - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 2023-10-04
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Full payment history for ALL graduate loans missing. Once graduate loans were sold from XXXX to Nelnet in late XXXX and now Nelnet is stating they have no previous payment history. I have been paying on these graduate loans since XXXX so I have at least XXXX years of missing payments. I need a full payment history for all graduate loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America locked my checking account on XX/XX/19 due to " suspicious activity ''. I have a bank printout that shows a balance on XX/XX/19 of {$5900.00}. 
I was told verbally by the local bank manager that there was an issue with a check deposit of {$3300.00}. The check was improperly modified but was initialed by the owner who issued the check. 
On XX/XX/19 I received a cashers check {$1000.00} and a statement that said the issue was closed. 

Subtracting the suspect amount from the balance statement leaves a total of {$2600.00} due to me. 

The check for {$1000.00} is short by {$1600.00}.

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 2018-04-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Called a phone number not linked to my account. My mother called saying chase has been calling her. I never gave chase her number or authorized chase to call that number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB REpresentative, I am writing to express my frustration with the recent calls I have received from your representatives regarding my mortgage payment. As a self-employed individual, I notified your company three years ago to stop calling me if my payment is not posted by the XXXX of the month. I have been able to consistently make my payments on time and have not had any issues until this month. 

Despite my previous request, I received three calls back-to-back, with the first representative not understanding that my payment is scheduled to be made at the end of the month. I explained that this has been my payment schedule for the past three and a half years and that my account has not been late. I also asked the representative to stop calling me.

In the past, I have received a late notice for the following month with the current month included as a way of reminding me. Additionally, I received an email with the same information. Just three weeks ago, I called your servicing department to ask a question about my billing, and the representative and I spoke about my payment schedule. She confirmed that my payment history reflects an end-of-month payment, not 30 days late. 

Despite my repeated requests for your representatives to stop calling me, they have continued to do so, even though my payment was scheduled to be made today. The latest call I received was from a representative with a western accent who seemed to find humor in my request not to be called. I felt belittled when she asked if I did not want you to call me, and I had to repeat myself, saying, " Do not call me. '' I ask that Select Portfolio respect my previous request to stop calling me if my payment is not posted by the XXXX of the month. I hope this complaint will bring about the necessary changes to ensure that I do not receive any more unwarranted calls from your representatives. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX, XXXX [ XXXX ]

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Early Warning Services, LLC
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opening an checking account with XXXX that I currently have had for 13 years and they denied me for 1 ) too many deposit sent back and 2 ) bad banking relationship. 
Im currently with good standing wuth my current banks and never had any complaint. I called and they said to call XXXX I called XXXX they said to call early warning and neither could tell me what was going on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: MA
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:
Why is Equifax and XXXX XXXX so off with reporting? XXXX I find pretty accurate. The other to reporting are way off and causing low credit scores. I dont know why they are so late in reporting accurate information when XXXX seems to not have this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fifth Third Bank : I had a credit card account that was closed in 2019. Ive tried to get my account number to do a balance transfer to another company. I threw my card away when I closed the account. Account number not on statement, not online, and I asked if I could reopen account to get a new card sent and they would not do that either. Since I couldnt get my account no., I was going to pay off card. I called this weekend and was told I could make a payment over phone. They were ready to take my payment when they thought I was going to make the minimum payment. When I told them I wanted to pay it off, there was always a problem. I was told the system was doing an update, told I couldnt do it over phone because account was closed, put on hold and nobody came back, hung up on, and even transferred to someone and I asked if the system was down and she said it was not. She took my information for payment and when I asked for a confirmation number, she put me on hold and the line was disconnected. I called today and was told much of the same things, I couldnt make a payment because the account was closed ( even though I have in the past ). I was transferred to multiple people. One guy was even laughing when he answered the phone. Finally, I was transferred to someone that took my information. She gave me a confirmation number, but I am not confident it will go through. Its as if they dont want you to pay off your account to keep collecting interest. Worst company I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2023 XXXX I phone call was made to citi cards its say account can not be verified I would like them to delete this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported 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. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 US-CODE XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: IL
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 is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: First Advantage LNS Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It seems as if me having to file complaints against this horrendous company is becoming a common and reoccurring theme. This company has yet to present any proof that I didn't fulfill my contractual obligation. They only present what is ALLEGED that I owe but have yet to show that I did not fulfill my contractual obligation. They only go by what is alleged. It looks to me that it's my word against theirs. But I'm basically guilty until proven innocent when it should be the other way around. Horrible.

Company response to consumer: Closed with explanation