BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
No permissible purpose was given. Pursuant to XXXX5 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine.18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).

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 2020-04-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I refinanced my VA Loan. XX/XX/XXXX I received my XXXX XXXX   XXXX rating, with final notification in XXXX. I informed XXXX VA tax office and I received a property tax exemption letter dated XX/XX/XXXX from XXXX Dept of Finance Revenue Division saying that I was exempt from property tax retroactive to XX/XX/XXXX, and any taxes paid would be refunded. The Treasury Dept promptly refunded my 4th quarter taxes ( XXXX, XXXX, XX/XX/XXXX ). I informed Lakeview Loan Servicing LLC on XX/XX/XXXX and uploaded the exemption letter. I followed up with an email on XX/XX/XXXX and received an automated response. On XX/XX/XXXX I emailed again and uploaded the exemption letter again. I received a new escrow analysis from XX/XX/XXXX that actually increased my escrow and did not acknowledge the tax free status. On XX/XX/XXXX, customer service re-initiated my " ticket ''. On XX/XX/XXXX, Lakeview Loan Servicing received my certified letter explaining the deficiency, and outlining the proper escrow analysis for XXXX taxes. On XX/XX/XXXX, Lakeview Loan Servicing produced another identical escrow analysis ignoring the tax exemption. I have had multiple phone calls and sent a notarized return receipt certified complaint on XX/XX/XXXX, received on XX/XX/XXXX. Lakeview Loan Servicing continues to bill for an escrow account that is now three times the maximum allowed by law and over {$4000.00} in surplus because they refuse to adjust the analysis for the KNOWN tax exemption. This equates to over {$1000.00} per month of excessive billing. My escrow account has ~ {$6100.00} now, with annual disbursements of only ~ {$1600.00}. All my payments are made on time. Lakeview Loan Servicing changes their story repeatedly, has told me a new analysis would be done on XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX and never completed the appropriate work. Their final claim was that the city website showed taxes from XXXX so they had to use that and could not use the exemption letter FROM THE TAXING AUTHORITY??

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 2021-11-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I acquired the cryptocurrency called XXXX ( XXXX ) and sent it to my coinbase XXXX  address. The transaction on my crypto.com XXXX address says that it was successful, however, the XXXX never arrived on my coinbase account. After doing some research on the XXXX XXXX, turns out the XXXX on crypto.com is the native version and the XXXX on coinbase is the XXXX version ( XXXX token ). In crypto, you can not send a crypto from one blockchain to a different blockchain without converting it first. The main issue i have with this situation is that coinbase did not notify people that the XXXX on their exchange is the XXXX ( Ethereum ) version of the XXXX, not the native version. Long story short, I lost my funds and want them back. There is a simple solution to this problem, however, the user would require their private keys from their wallet, however, coinbase does not provide their customers with their private keys. When attempting to contact customer support, everything is automated, and none of the automated answers can help me with this particular issue that can be solved in minutes if I could talk to a real person. At the very least, they could at least list both the XXXX XXXX  version and the XXXX  native version and make it OBVIOUS that they are both different to prevent mistakes like this from happening again. XXXX and XXXX did this by simply placing a " XXXX '' in front of their wrapped currency ( XXXX and XXXX respectively ). Wrapping is simply making a native currency functional in the XXXX blockchain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Every time I try link my Pnc account with an app, Pnc blocks it. Its my account and my money and I want to link it an account like other banks allow their clients to. Pnc shouldnt be able to decide when I can or cant access my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: VA
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:
I recently read through a copy of my credit report, and I noticed addresses, names, date of births, phone numbers and employment and social security numbers listed on there that are not correct. The only address that should be listed is shown at the bottom. There should not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof with my correct address and spelling of my name. Please send me an updated report as soon as you have deleted the inaccurate personal information. 

My full name is : XXXX XXXX XXXX There should be no other names listed. Please remove any others that remain My Social Security Number : XXXX There should be no other social security numbers listed. Please remove any others that remain My Date of Birth : XX/XX/XXXX There should be no other date of births. Please remove any others that remain My address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Any previous addresses are undeliverable, and I have no access to them. Please remove at once. 

My phone number : XXXX There should be no other phone numbers listed. Please remove any others that remain Employment : NONE, all employment listed on file is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: GVA Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I applied for a {$1400.00} loan from target cash now. The payments were set up to be deducted every 2 weeks from my bank account and I could pay my loan off or down with no penalties or fees. 

XX/XX/XXXX was my first payment of {$290.00}. I also paid {$500.00} to my principle therefore lowering down my loan balance. 

Once the {$500.00} payment was applied they did not remove that amount from my outstanding loan balance. Instead they only took out the {$58.00} from the initial {$290.00} payment leaving a loan balance which they are charging me like 700 % interest on as {$1300.00}. Clearly this is wrong and I have called and emailed with no help. The last time I expressed I wanted it in writing they told me to call their customer service. 

I have specifically asked them to give me the breakdown via email so I fully understand why they are charging me interest on the wrong balance with bo luck. I feel I have been scammed. 

Thanks for your help. I can forward email conversations if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
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 received my consumer report in XXXX of XXXX and noticed inaccurate and falsified information reported by the company, Account XXXX XXXX XXXX, ARS. As a result, on XX/XX/XXXX, I informed the company by mail that the information being report was incorrect, with no avail. I reached out multiple times after XX/XX/XXXX, on the following dates XX/XX/XXXX, XX/XX/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 2022-04-02
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original creditor, XXXX XXXX XXXX XXXX is paid in full, Credit Control Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, is fraudulently stating an account status and inaccurate amount owed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Claim Number : XXXX is not being acted on for 3 months and I am asked for the same paperwork over and over. The company is a fraud and lies to customers at every turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-06
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Okay I have 3 problems which all of them i have no knowledge of this accounts.

i have never opened any of this accounts, and i told them many times i just ca n't provide evidence that this are not my accounts i have never been there or open accounts, i never gave any one permission to open accounts on all of this 3 places because of them my credit score been ruined, they ruined my life i just ca n't get rid of this collections, This all 3 accounts place a collection on 3 credit bureaus. 

Original Creditor : XXXX XXXX XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX date-XX/XX/XXXX balance- {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: CITIBANK, N.A.
State: OK
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:
Sears Mastercard sent me an account statement indicating I owed {$33.00}. I owe Sears Mastercard nothing because a full refund was issued to me by Sears Mastercard for {$430.00} for the purchase of a dishwasher I bought at Sears. When I tried to dispute the debt with Sears Mastercard, XXXX ( ID No. XXXX ) told me I could not dispute the debt.

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 2021-09-07
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have made three requests for Lexington Law to provide copies of the dispute letters sent on my behalf. The first attempt was made on XX/XX/XXXX. I contacted them so I could see proof of work. They provided me a copy of most of the letters they stated they sent except for the one for XXXX XXXX XXXX. I contacted them on XX/XX/XXXX to notify them that the letters they sent on my behalf for XXXX XXXX XXXX were absent along with XXXX others but the one I most wanted XXXX is the one I needed a copy of. The consumer service agent stated she would send it and that I would have it within 48 hours as it must have been an oversight. Well on XX/XX/XXXX I still hadn't gotten the letters so I called them again as they failed to reply to emails that were sent on XX/XX/XXXX and XXXX. The customer service rep promised I would have those letters by XX/XX/XXXX as she saw where my request had been moved to the escalation department. On XX/XX/XXXX I followed up as I still hadn't gotten copies of the letters sent to XXXX. I spoke to numerous call center personnel from XXXX XXXX to XXXX each transferring me to Lexington Law 's escalation department and each time the agent in their escalation department would hang up during mid-conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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 is my 6th 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXI ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX 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 2022-08-10
Company: Navient Solutions, LLC.
State: IN
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:
I went to XXXX XXXX XXXX from XXXX. My loans were with Navient federal loans. I did not complete my degree. I had XXXX credits. I stopped going due to trying to change XXXX XXXX  and my credits were not transferring. In late XXXX, my student loanscwere discharged with the 100 % XXXX XXXXXXXX veteran XXXX. In early XXXX the Borrowers Defense discharge was started for students that went to XXXX and the fact that XXXX closed. They received refunds on payments made towards their loans. I did not receive any refunds due to my loans being discharged with another program. But I in fact, qualify for a refund based on the requirements. Navient sold my loans to XXXX XXXX since then. So when I tried to get a refund through Navient, they state they did not have my account on the time of my loan discharge. I paid over XXXX my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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: Account status incorrect

Complaint:
On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a XXXX balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian wont let me make dispute the late marks on my credit record from XXXX. XXXX claims they did not do this or can remove it. I have filled several disputes, now Experian wont let me do anymore or even have phone number to contact a real person. Experian is responsible for correct info on your credit report, but not if they dont listen to customers. I even paid to get daily updates on Experian which that never happened. Apparently they dont follow rules and regulations like the rest of us. If they did do the proper investigation they would have see it on my account. I dont miss payments never. Before bankruptcy and after. Look at my accounts alway on time never late.

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 2019-02-07
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am receiving overdraft fees due to low funds, long pending times for refunds, and other overdraft fees. My bank account is in the negative and I am having issues making it positive due to compounding overdraft fees.

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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to get pre approved for a home loan. All my credit is frozen b/c I have be part of multiple breaches ( XXXX, XXXX XXXX, XXXX, that I know of ). 
Yesterday I went to all 3 agencies and lifted the freeze with no apparent errors. I let my loan agent know, and this morning he informed me they are still locked. I executed the same effective window lift for each agency ( XXXX XXXX XXXX ). Today is the XXXX. 

If there is a transition period ( e.g. effective in 24 hrs ) they should inform me of that. They did not. 
If the XXXX was not available as an open date, it should not have been offered by their calendar. 
Finally, they all use robots for this service so there is no way to correct the situation or get information. 

This is totally unacceptable for a problem ( amassed financial information ) they caused.

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