BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Both Transunion and XXXX refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

XXXX continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work Transunion refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to Transunion

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 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.

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 2020-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This is not a duplicate complaint. This is a complaint in regards to CFPB complaint XXXX. USAA blatantly lied on this complaint and said I never requested to have my name placed on the do not call list. XXXX never researched my calls because of they did, they wouldve seen that I requested XXXX separate times to be placed on the do not call list. You have done no research in this matter and I have an issue with the dishonesty USAA provided to me and the original CFPB complaint. You need to correct that lie

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: COMMERCIAL SERVICES GROUP, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered some coins from XXXX in the amount of {$670.00}. I never received the coins so my bank issued a chargeback. Now XXXX XXXX XXXX is trying to collect money for a product I never received. Its pretty simple to prove I never received the package. It was shipped with a signature required for delivery. There is no signature because I never received the coins!!! XXXX XXXX XXXX said to notify them within 30 days if I dispute the validity of this debt. So this is my dispute, with the CFPB as my witness. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Michael Haynes & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX I started receiving phone calls at work from XXXX XXXX XXXX XXXX. The company is called Michael Haynes and Associates. The lady ( XXXX ) stated I'm listed as " uncooperative and unreachable '' and that there is going to be judgement against me in the state of Georgia. ( I live in Texas ) XX/XX/XXXX I returned her phone call and a man answered. I asked him to stop harassing me at work. He stated that I owed money on a XXXX credit card. I told him that I don't have any outstanding debts, and if I did it would've have been over 10 years ago. He called back from XXXX XXXX XXXX XXXX and left a nasty message on my voicemail. He said that he did a " quick search '' of my social security number and has my current address. He stated that he is drawing up papers to have me " served '' and that I will need to get a plane ticket to Georgia and appear in court. 
XX/XX/XXXX A call from same company, but another phone number XXXX XXXX XXXX XXXX. XXXX XXXX left a voicemail in reference to " processing a claim '' and " going after the full balance '' if I don't cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase Bank gave me a Qualified Mortgage that has a balloon payment, is longer than a 30-year-term and negative amortization ( my mortgage just jumped {$1300.00} last month due to their negative amortization practices on the loan ). 

ALL these " risky loan features '' are illegal and not permitted : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had extreme difficulties in dealing with AmEx previously that were successfully resolved through the cfpb in XX/XX/XXXX. I was very happy with those results and felt that the outcome was very fair. However, when I had my credit score rechecked, AmEx now has deleteriously attributed a late payment from my husbands account to me. AmEx clearly states in their cardmember agreement that the primary card holder is the guarantor on the account and that any cards issued to other individuals are using those cards at the risk to the credit of the cardmember. I did have a card issued to me under his account back in XX/XX/XXXX although my card expired in XX/XX/XXXX. The payments in question are in XX/XX/XXXX. These charges and delinquency should never have been attributed to me and they have damaged my credit score. 

I just finished a complaint through CFPB where AmEx declared they did not have enough information to investigate the account. It seems that having had all of my information would have allowed them to see what accounts I've had and that the negative credit report attributed to me should not have been on there, but they closed the complaint without doing anything. My husband gave me his card and I am including my SS # so that they can complete this investigation. The number on the screen shot of the credit report is NOT an account number per the credit reporting bureau, rather it is a reporting number - they state that they are very careful to NOT include actual account numbers. It is a description of the account and the limit on the account. I am including a copy of my husbands card ( with his permission ), a copy of the screenshot of the credit report pertaining to this issue and my name and SS should be included as a registrant for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IN XX/XX/2015 I HAD A STORAGE UNIT WITH XXXX XXXX XXXX AND IT WAS SOLD AND AUCTION OFF DUE TO LOST OF EMPLOYMENT THEREFORE RESULTING THE UNPAID BILL TO BE SOLD AND SENT TO COLLECTION AGENCY PROFESSIONAL DEBT MEDIATION INC. IN XX/XX/2015 FOR THE AMOUNT OWED {$420.00} HOWEVER BEFORE THE AUCTION A LETTER WAS SUPPOSE TO HAVE BEEN SENT TO ME SAYING THAT THE AMOUNT OWED WAS {$590.00} AND THAT THE UNIT WAS SOLD FOR {$350.00} THEREFORE I DO NOT OWE THE AMOUNT SENT TO THE COLLECTION AGENCY DOCUMENTS HAVE BEEN ATTACHED TO REFLECT THE AMOUNT THAT WAS SAID TO BE OWED I NEED THE CORRECT AMOUNT TO REFLECT ALL THREE OF CREDIT FILES OR PROVIDE HOW THE AMOUNT WAS CALCULATED OR REMOVE THE TRADE LINE FROM ALL THREE CREDIT BUREAU. PLEASE SEE ATTACHMENTS I HAVE REACHED OUT TO PROFESSIONAL DEBT MEDICATION MANY MANY TIMES TO RESOLVE THIS MATTER AS WELL AS ORIGINAL DEBTOR WITH NO REAL SOLUTION PREVIOUS GIVEN SOMEONE ELSE PERSONAL INFORMATION FROM PROFESSIONAL DEBT MEDIATION WITH NO TYPE OF APOLOGY FROM THE COLLECTION AGENCY AND THE INFORMATION WAS SENT TO ME BY CEO OF THIS COLLECTION AGENCY THEY ARE NOT PROFESSIONAL IN TAKING CARE OF CONSUMER MATTER.

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 2019-03-11
Company: DISCOVER BANK
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My complaint is because I have some unauthorized charges to my Discover bank, account # : XXXX, with a current balance of {$3700.00}. This charge was made in the XXXX of XX/XX/2017. All charges after XX/XX/2017 are not mine. Im including a police report and an FTC report and also a refusal letter from Discover bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a letter certified with tracking number XXXX XXXX XXXX XXXX XXXX to Midland Funding. It shows that my dispute letter was received on XXXX XXXX at XXXX XXXX. In my letter of dispute I informed the collection agency of my dispute and that I was requesting validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In my letter I also request " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. in which my letter was all ignored and instead they are sending me letters threatening to sue me. They are in violation of the FCRA & FDCPA because clearly they are unable to validate this supposed debt by ignoring my dispute and instead of sending me proof of validation they are in turn sending me letters threating to sue. Not only are they in violation of my rights they are clearly reporting a false policy on their website when it comes to debts. practicing the very opposite of what they are committing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been locked out of my XXXX and Coinbase account for almost a month. 

They are holding around {$5000.00} in virtual currency value and said they would get a " specialist '' on the case almost 10 business days ago. They have failed to respond or update me on the case and I have not been able to access my funds for almost 1 month! 

Case Number # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling repeatedly to my family members and friends providing my personal information as well as leaving voicemails with personal information. The most recent was today XX/XX/2018 they called a friend of mines and left a long message with my full name, the amount i owed {$1100.00} 3 payment options of paying at XXXX % XXXX % or XXXX  monthly payments of around {$84.00}. They also included a website and provided a account number to pull up a account with my personal information ( address and more ) anyone can look up my information and it has been left on voicemails of friends and family. They call multiple times a day with threatened messages as well uas recordings, give me deadlines to pay usually by the end of day or further actions will be done and call out side of business hours. This company has been harassing me for months and seems to get worse i have the latest voice mail they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I made an agreement with XXXX XXXX XXXX on XX/XX/XXXX to pay a settlement of {$800.00} dollars on a debt of {$1900.00} to XXXX XXXX XXXX. After I make this payment the account would be settled in full. XXXX XXXX XXXX made a payment to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating my settlement obligation had been fulfilled - XXXX reference # : XXXX. They told me through account executive XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : that they were not reporting it to the credit bureaus. It is still being reported to EQUIFAX as an open account. It is lowering my credit score with them because of it still being on their report. I would like this entry promptly removed from Equifax credit report and any other credit reporting companies. Thank you - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am reporting 2 incidents of identity theft that appear to be related. 

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, XXXX XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX  XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from XXXX  regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Bread Financial Holdings, Inc.
State: CA
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:
A website company XXXX with no phone number charged my account {$25.00} for merchandise I did not receive and another {$5.00} to ship it. XXXX XXXX XXXX denied the refill and said I had XXXX to see my XXXX. Great, I'm fine with that but XXXX XXXX isn't accepting my explanation. THey haven't even reached out to merchant. All they do is send it to XXXX or XXXX who do not understand XXXX as primary language. Sanctions and interest should be paid for withholding this dispute unfairly and illegally, not put me through a paper chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I Was told thatr I will be getting a credit line increased by XX/XX/XXXX to XXXX and I didn't received it from capitol One and I was told from the higher dept that I have to wait until XX/XX/XXXX for credit line increased and I'm getting few different answers that I have to wait on the XX/XX/XXXX and XX/XX/XXXX ... and I have made my payments on time since XX/XX/XXXX ... I'm so confused of when I will get my credit line increased and no one isn't giving me a accurate answer ... .. And second Complaint is that I have a hold on my account in the amount of XXXX from XXXX XXXX service fee and I was charged twice and I spoke to capitol one about this problem and spoke to higher supervior and they call XXXX on three way twice and at the end of the call I didn't get my second transaction fall off in the amount of XXXX and was told to wait 5 days and its been 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Comerica
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
They said that it was for my protection when I called and claim. I am in the process of moving from XXXX and I am seeking for an apartment. I lost my bank card in XXXX and I requested a new card and after I received it, I lost it again. Therefore, I request another one and when I went to use it then it was blocked. I asked if I can get it activated so they requested the id picture that I already faxed to them and so did a case manager and yet they gave me a hard time getting my XXXX card from XXXX XXXX. They keep telling me that they have not received what case manager claims to fax and what I have email confirmation of sending. I need to use my telephone and have no service due to the matter and other inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Winklevoss Exchange LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I was instructed to send a bank wire to Gemini, and I followed the instructions completely. My credit union sent the wire in a manner that Gemini can not receive. Gemini failed to let me know that ahead of time. Instead of working out a solution, Gemini refused the wire, which cost me {$30.00}. Gemini then failed again to communicate that the credit union was incompatible with their system, and instructed me to send the wire again, which cost me another {$30.00}. Gemini 's receiving banking system changed a label of the wire from " originator to benificiary '' to " note ''. They also sent me incomplete instructions for sending the wire. I have documents proving all of this.

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 2020-07-07
Company: EQUIFAX, INC.
State: TN
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 filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO XXXX  XXXX, ID FOR COMPLAINT SENT TO XXXX  XXXX, ID FOR COMPLAINT SENT TO EQUIFAX XXXX. 
The results that came back was that the following addresses were going to be removed : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax - XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation