BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: EQUIFAX, 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:
Please see identity theft report. I have consistently disputed fraudulent account that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX I received a official copy of my credit report from XXXX  and derogatory remarks was removed from XXXX as credit reporting agency as Prestige Financial Services made contact with XXXX   to remove the negatives from my credit report. 
Why would XXXX falsify on deletions of negative on my credit report as XXXX gets a electronic or Verbal message from Prestige Administration.

I am respectfully requesting that Department of Justice ADA and Federal Government conducts a Federal Investigation on my Discrimination and Retaliation against me as a XXXX US Military Veteran. 
I am respectfully requesting that XXXX, XXXX, XXXX to delete all Unauthorize Hard Inquiries on my credit report and also for XXXX and XXXX  remove the Bankruptcy on my credit report. 
As XXXX already removed the Bankruptcy Chapter XXXX on my credit Report. 
Respectfully. US Senator XXXX XXXX has beel alerted on issues with Prestige and I signed a Privacy Release for Federal Investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My debit card got stolen from my car and somebody went on a shopping spree after they hacked my PIN #. I called SoFi immediately after this and had my cards frozen / replaced. Even after multiple calls, a police report and evidence that I was not the person who made fraudulent purchases with my SoFi debit card, SoFi told me they think Im lying and refuse to reimburse me for the money I should be insured with under their banking name. 

Its obvious what happened, SoFi just doesnt want to give me my money that I worked hard to earn and had STOLEN fro me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Navient Solutions, LLC.
State: GA
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:
Funny payment applications - I have a XXXX balance but they say no payment is due. I make payments regardless, but doubt they are being applied. IT HAS BEEN 12 YEARS! 

Its Navient in case anyone wonders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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: Account status incorrect

Complaint:
There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from 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
Consumer complaint received 2019-04-16
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I vacated the apartment complex, the Apartment Manager stated to me that they would send me a final statement of what was owed. I never received a final statement or a notification that an amount went into collection. I accessed my credit report and saw that the balance went to a collection agency, Blakely-Witt & Associates. I called Blakely-Witt & Associates to negotiate a payment arrangement and spoke with XXXX XXXX. I am currently an XXXX XXXX XXXX XXXX XXXX XXXX. Mr. XXXX stated that if I wanted to make monthly payment arrangements that I would have to pay half of the balance owed {$600.00} and then make monthly payments moving forward. I explained to Mr. XXXX that I was XXXX XXXX and I could not afford that payment at this time but I could afford was {$100.00} per month, until the debt was paid in full. He would not accept the payments. He told me that I could hold the {$100.00} payments in a savings account and then call back in 6 months. My Financial Counselor, XXXX XXXX, attempted to assist me in informing Mr. XXXX that I was XXXX XXXX Military and verifying if he was refusing the payments and he said Yes, his clients would not accept the monthly payments without having half down first. Mrs. XXXX further explained that I could not afford the half down payment and that if he was refusing my payments of {$100.00} now then she would be forced to file a complaint with the CFPB. Mr. XXXX then replied with " Go ahead, file it ''. Mr. XXXX was very aggressive and unpleasant and was not willing to accept the payments I could afford at this time which was fair and reasonable. The debt would have been paid in 12 months and in plenty of time before my Armed services contract was to expire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
The courses that I was scheduled to take were never offered. They were too few students the school stated to offer the courses and as evidenced by their own accounting transcript classes were cancelled and that there was no teacher available for classes that I was present for. Allegations that I missed classes are erroneous and false. The school promised to provide a quality technology experience that would help me to get back into the workforce. It did not and was not prepared to do so. I signed for an original loan of {$10000.00} but the loan amount was changed on XX/XX/2007 without application for additional funds doubling the loan amount to {$19000.00}. I was not scheduled nor did I apply for a second semester of courses but the school attempted to show on the transcript provided that I did and that I did not attend the classes offered. I have secured all of the documents from the school to support my allegations. To date I have paid over {$30000.00} back on a loan of {$10000.00}. We continue to pay the loan to protect my credit. Navient also indicates that I have missed recent payment but I pay each month. My contention is that the company fraudulently assigned another XXXX to my original loan amount without my signature for classes that the school did not offer and had no intention to offer and for which I did not sign register for. I have attempted for ten years to rectify this situation. I have the relevant documentation to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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/2019 I sent a certified letter to XXXX XXXX XXXX requesting the send a letter of validation. The company only sent 4 out of 7 things I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX I purchased of {$5700.00} of shibainu coin from coinbase pro. It turned out the price was wrong on exchange. And I found Out today it came down to {$500.00}. I am so confused and surprised because coinbase is public company and they don't seem like try to solve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I am writing in to submit a complaint on the record that I, XXXX XXXX XXXX, logged into my American Express Account Portal at approximately XXXX PST today, Friday, XXXX, XXXX, 2020, at which point I opened the customer service chat and started copying my chat history for recordkeeping purposes. However, before going and copying my chat log, I sent a preemptive message to the representative that Amex 's syaytem ( for which each automatic action has the possibility of human intervention and constitutes a count of criminal and civil harassment ) automatically connected me to ( despite my previously expressed desire vis -- vis official written and verbal affidavits that they not connect me to these people in the first place ), letting him ( the rep ) know that any messages and/or attempted communications form him and/or other reps would be considered civil and criminal harassment. I repeated this statement ; and, this gentleman continued to engage me, even going as far as sending a passive aggressive message and immediately ending the conversation directly thereafter, so that he could have the last word. This is the type of pettiness that I encounter from Amex 's employees on a daily basis. 

Please see the attached proof, as well as the XXXX documentation verifying my communication limitations and need for special accommodations when I am under increased states of stress, particularly when there is a once-in-a-millenium pandemic occurring and corrupt financial institutions falsely reporting my debt. 
Please keep in minds that : the only reason I currently need these accommodation is because of Amex 's continued legal malfeasance ; and, the reason I can not get them is also due to Amex 's continued legal malfeasance ( and their refusal to listen to the basic facts present in a situation - if a person tells you they dont want to hear from you, especially vis -- vis sworn statements, that means do not message me in any form - this is the legal definition of a cease and desist, and you violated that many times in the past few months, not just today ). This will count as additional intangible compensatory damages, loss of consortium, harassment, and negligence/breach of contract, and I will make attempt to make criminal charges stick wherever they are appropriate. Please also reference the past chat logs that I have recovered and have attached to this complaint. These logs contain many records of these instances of abuse, neglect, refusal to provide reasonable accommodations, and many other acts of malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
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:
I added my name to my wife 's first citizens Bank checking account. This account had some line of credit associated with the account. I did not sign up for this, nor was I notified that there was an associated balance. I received no bill or notice ( nor that I signed up for a line of credit ). I found out about a balance when I received a credit alert that my FICO score dropped 100 points. 

Since I did not sign up for this line of credit, I asked first citizens to remove it from my credit report. They have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: BARCLAYS BANK DELAWARE
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 made a purchase on XX/XX/2018 zero percent interest and supposedly in the fine print, it said if it wasn't paid for within the year then we would get hit with a $ 900+ finance charge. Right now during the world pandemic is when they hit us with that $ 900+ charge. It came from left field because I wasn't aware it was out of the zero percent finance window. Never got an alert, an email, a notice. Just a bill with the extra $ 900+ and when I called they don't care nor want to help. I am a small business owner and this pandemic already took a hit on us and to top things off they want to XXXX us with a finance charge and no show no mercy.

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 2019-04-16
Company: FC HoldCo LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX calls me numerous times throughout the day from multiple phone numbers. Today, XX/XX/2019 they called 6 times from 3 different numbers in just over 1 hour.

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 2019-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America notified me of fraudulent activity on XX/XX/17. BofA is still processing the fraud claim ( it was fairly straight forward ) 5 business days later, and will not provide a timeframe for completion, and will not reverse the transaction in the meantime. This is not fraud protection. Absolutely unacceptable performance for a previously bailed out bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Account information incorrect

Complaint:
XXXX has listed XXXX XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX  XXXX accounts can be removed from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Prince Parker & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received call from XXXX XXXX XXXX Supposedly in North Carolina stating they had received letter from XXXX re an old bill. They wanted my credit card information and to pay now or else my credit would be ruined. 
Called XXXX, they verified that bill was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a dispute and closed an account with a merchant of questionable integrity. It was a healthshare account. I had not given the healthshare company my new card info ( same account, just new security code ). The company was unable to charge me for 2 1/2 months. They had requested my info, but I did not give it to them. Therefore, I thought there would be no continued billing. 2 1/2 months later, my CC co. ( XXXX XXXX XXXX/synchrony bank ) started billing again. I had not authorized these charges, and my healthshare account was suspended during that time. Therefore it wasn't a valid account. 
I disputed the charges and they were reversed. But the healthshare company was able to bill me again. 
The CC company did not stop the recurring charges as requested. They said they were unable to stop the recurring charges. I asked if I could get a new card/account number, they said yes, but the recurring charges could follow me to the new number. 
They said there was no way for them to stop the recurring charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Extended fraud alert and all these inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-11-28
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XXXX XXXX, 2017. I disputed this item with the credit bureaus and I requested that the credit repositories contact this company to provide proper validation documents which I never received. However, the credit bureaus kept the account reporting in my credit file. 
This is a violation of FCRA and FDCPA on both parties. Also, this item has been removed by XXXX from my credit report. What makes this item valid with XXXX is a mystery. This is my last resort before getting a legal counsel involved.

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 2019-04-16
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 my second written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection. Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID and SS. 

Thank you.

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 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I applied and was approved for a XXXX XXXX XXXX XXXX card through Bank of America while I was finalizing my cruise arrangements on the XXXX XXXX Website. XXXX XXXX and Bank of America BOTH advertised on their websites ( and still do ) that if I applied and was approved for the card and completed a transaction within the first 90-days, that I would receive XXXX Bonus Points which could be redeemed for a {$100.00} Onboard Credit during my cruise. I made the qualifying transaction immediately upon receiving approval online while booking my cruise. I then received the actual XXXX XXXX XXXX XXXX card in the mail and took it with me on my trip. 

During my cruise, I spent {$210.00} onboard, thinking that {$100.00} of it was going to be covered with the {$100.00} Onboard Credit that I had earned. However, after my cruise, the {$100.00} Credit was not showing up on my statement. 

When I contacted XXXX XXXX about XXXX XXXX and they told me that I had earned the {$100.00} onboard credit, but I would have to deal with Bank of America because they had cut my statement off too late for me to receive my {$100.00} onboard credit for this cruise, but I could use it on my next cruise! Wow, why would I want to take another cruise with XXXX XXXX after they had lied to me? It was like another gimmick to get me to book another cruise! On Wednesday, XX/XX/XXXX, at XXXX, I spoke to XXXX at Bank of America . He took the information and issued me a Case ID  # XXXX and indicated that he would try to get the {$100.00} statement credit applied to my account. I received a letter from Bank of America dated XX/XX/XXXX stating that they had reviewed my account and had applied my rewards correctly and referred me back to XXXX XXXX. So basically, the small consumer is stuck with two very large corporations pointing the finger at each other over a {$100.00} False Advertising 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 monetary relief