BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Payward Ventures Inc. dba Kraken
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I am writing to express my dissatisfaction with the services provided by Kraken Wallet, specifically in relation to the withholding of my funds and the lack of responsiveness from your customer support team. 
On XX/XX/2023, I initiated a transaction involving kraken wallet to withdraw my funds. However, to my dismay, my funds have been withheld without any clear explanation or communication from Kraken. Despite my attempts to seek assistance through your customer support channels, I have encountered a concerning lack of responsiveness, exacerbating the frustration and inconvenience caused by the unresolved issue. 
I believe this situation not only violates the terms of service agreed upon but also raises concerns about compliance with consumer protection laws. In particular, the Consumer Protection Act, Electronic Funds Transfer Act ], which outline the rights and protections afforded to consumers in digital financial transactions.

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 2023-05-12
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from National Credit Adjust on XX/XX/2022 in the amount of {$550.00}. First and foremost, I have confirmed that the debt collector National Credit Adjust is not licensed in the state of Florida to collect on this debt. Secondly, National Credit Adjust violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to National Credit Adjust? I have never heard of them, have no written contract with them and have never received any benefits from them, yet National Credit Adjust has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$550.00}. I am requesting validation made pursuant to XXXX XXXX FDCPA. I respectfully request that National Credit Adjust provides me with competent evidence that I have any legal obligation to pay them. I asking that National Credit Adjust to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and XXXX XXXX. If proper validation of the alleged debt can not be provided, I demand Nation Credit Adjust immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand National Credit Adjust agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that National Credit Adjust agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA historically made the full amount of deposited checks available immediately upon deposit. The past couple years have been extremely tough and being paycheck to paycheck theyve suddenly started to place holds on the funds. I had an especially bad case of timing this week with some auto payments coming out that took the account negative and normally if you deposit enough to cover it within grace period they forgive those. Well we received an insurance payout check of just under {$5000.00} this past Monday ( XXXX ) that I deposited right away and instead of releasing it like they historically have, they held all but {$500.00} and it wasnt enough to bring the account current so guess what, they added another OD fee. Theyre bombarding me with collection calls when if theyd release the insurance check they could be paid current. They are making it so I cant pay my electric bill or car repairs for the only car my family has to get to work right now. The check being on hold places a HUGE burden on my family ; we have a XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  and needed those funds released immediately to keep up with this XXXX economy. And all the tone death member resolutions lady could say was oh its the system it wont let me release and how about a personal loan from us? like sure, theyll lend money but wont release what was deposited except her suggestion was completely tone deaf and out of line because USAA wont approve me for a loan on my own. So suggesting that as a solution was just plain insulting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 the several times I've complained about being a victim of identity theft. You must remove the items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer : Please remove these inaccurate items below : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I realized that my identity was stolen a while back and I recently checked my credit and discovered accounts that are the result of identity theft, and these account is XXXX of them.

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 2018-10-24
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank, XXXX Credit Card continues to call me 4-6 times per day. I'm a stage XXXX XXXX patient, have told them this, and have paid over 1/2 of the monthly payment due in the past 2 weeks. I told them I would pay the same on the XX/XX/XXXX when I get SSI monthly payment, and they said they'd note it on my file. They still call every day, to the point of causing me stress. 

I've attached the log of their calls, taken directly from my phone.

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 2023-11-15
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I C Systems are a collection agency that is trying to collect a debt for XXXX XXXX XXXX XXXX. Neither are the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX, XXXX and XXXX. Please remove this collection item from all three reporting credit bureaus XXXX, XXXX and XXXX as this is in violation and misuse of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: SANTANDER HOLDINGS USA, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I had an account for 75 months with Chrysler Capital in XXXX   when covid started I did it two month deferment which would have been XXXX and XXXX of XXXX   I paid XXXX of XXXX. So XXXX and XXXX was supposed to be deferred the payments would have started back up in XXXX. But I ended up paying XX/XX/. Which should have been applied to XX/XX/XXXX   not XXXX. Since then this company has reported me four times late. And the last two were XXXX of XXXX   and XXXX of XXXX   both payments were made and then the account was paid in full. They reported me 30 then 60 days late and 23 nothing is being done to them I have disputed it with XXXX I have called Chrysler Capital I want this rectified I want a letter of apology. And if it has to I want this reported to the attorney general 's office because they have done this to people before and they're allowing them to get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a secured card with XXXX XXXX  XX/XX/2015, I gave a deposit of {$300.00} and the card began reporting on my credit. I never missed a payment and only had the card to build my credit. keep the balance at XXXX, and stopped using the card. I recently got a copy of my credit report and the account has been charged off and over 24 late payments, I have called numerous times to have this account resolved, but all they say is that my deposit was used to offest the account and that fees were charged and the account was charged off for failure of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Paypal Holdings, Inc
State: IL
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 has been permanently banned. After the funds in the account have been retained for 180 days, I received a withdrawal email notification from PayPal, but I was unable to add a bank account for withdrawal. I also contacted PayPal customer service many times, but the problem has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I use a app called blockchain to buy and sell crypto XXXX ov XXXX I sent a payment ov XXXX to the normal details I have to send and this money didnt come to the account this time I have tried to email the company to sort this but I just get a ticket number and no reply after that its been like 4 month now am just wondering how this can be resolved Ive tried every effort to contacts it them with no clear response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Received a letter indicating that a request to change address was submitted in XX/XX/2023. I called and after being transferred numerous times was able to tell them i did not apply for this card and did not change the address for a card i did not apply for. The card was determined to have been used to purchase items through XXXX. I initiated fraud report several times and have had them denied. Filed a report at Identitytheft.gov and submitted this information along with most recent claim which was again denied. The report indicates i signed for items at an address i do not live at nor haveI ever lived at. They claimed i signed a sales receipt which was not included. TD bank has not completed a thorough investigation and are punishing me for being the victim of identity theft. I had also frozen my credit accounts and successfully cleared a bank account and loan application that was started with another bank and which TD bank completely ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: IN
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 recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

XXXX  has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has the same inquiries as 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 2020-07-20
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Closed on selling my home XX/XX/2020. 

Mortgage held by Flagstar Bank Insurance premium was sent from my bank back to Flagstar, {$620.00} on XX/XX/XXXX They have yet to return it to me on 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 2022-03-10
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following inaccurate debt was reported to my 3 credit bureaus. They have never contacted me via email, Postal mail or phone call. Then they BACK DATE it almost over a year and report to my 3 bureaus. When I called the number on the bureau, they had to transfer me 3 times and had to look for my account and they couldn't find my account, and I informed them this was all taken care of XXXX XXXX XXXX, I even requested on a dispute process their exact response " Sir, its already on your credit bureau you can not dispute '' and then mysteriously we got disconnected. Worst part is this all happened during the Covid-19 Pandemic. -- -- -- - Collection Agency XXXX, XXXX XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Also, I was never late. I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attachedXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$25.00}.

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 non-monetary relief
Consumer complaint received 2023-11-15
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
As a consumer, we dont feel that we are getting treated fairly in the process of our account nor our credit with NATIONSTAR MORTGAGE LLC . It continues to be the same issues report our account as delinquent when its solely their fault the account is behind because of them XXXX  XXXX  the account in the first place at the beginning of the year claiming they fix the issue but never did and every time I call to try to resolve it I get nowhere no results. Nothing but the unwillingness to help get the account resolved its been an ongoing issue with this company and were tired of them destroying our credit because someone in their office cant get it right I have spoken with four different representatives in the month of XXXX to set up some type of repayment plan to get our account back in order so we were to start our repayment plan XX/XX/XXXX that is what the representative agree to.. but we never got that in writing so here we are in XXXX and they are totally remaking and back sliding on the offer that was set in place

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NY
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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