BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX ; Experian and XXXX are reporting 90 plus days late on the XXXX account number XXXX. The date of last activity was in XX/XX/2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested debt. validation for multiple accounts on XX/XX/21 and XX/XX/21 from CMRE Financial Services , Inc ( XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX ) for accounts listed on my credit file. This company has failed to validate my dept. Instead of XXXX XXXX XXXX validating my dept., they sent my confidential medical records/procedures in response without a prior written release which I know to be a direct violation of my rights under HIPPA. I have never signed a HIPPA form authorizing them to have access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Financial Credit Service, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a telephone call from a company who say they are mediators. There name is ARA. They left a message on my voice mail. I got a call from my ex husband who I have not spoken to in over 20 years. The voice mail message he got was the same. The message is saying that I had committed fraud. Message ... 
I am calling to take action for defendant by the name of blank. Date of birth XXXX XXXX XXXX. This is XXXX XXXX XXXX (? ) XXXX making contact with you from the processing and summons division out of XXXX XXXX XXXX XXXX in reference to a complaint filed regarding fraudulent activity link to your name and social security number. I was unable to reach you by phone etc. 

When I called them they would not tell me what I wanted to know and were very rude. They had no legal right to contact my ex husband. My sister said she also had a call and said she felt it was a scam. The phone number that called us is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have asked for proof of this money the company the say they bought {$1100.00} is  XXXX   XXXX  and yet there is not record or proof on any of my credit reports and I have asked for a letter from the original debt and them and have received nothing to prove its mine PORTFOLIO RECOVERY ASSOCIATES Last reported :   XX/XX/XXXX     - {$1100.00} Needs Attention Overview You 've paid off 0 % of your collection amount.   Balance {$1100.00} Highest Balance {$1100.00} Opene d XX/XX/XXXX ( 3 m os ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: CIT BANK, NATIONAL ASSOCIATION
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am encountering difficulty with OneWest Bank, a division of CIT Bank, N.A. <P/>My mother XXXX XX/XX/XXXX of this year leaving the proceeds of an IRA to be divided amongst three beneficiaries. One of the three was already XXXX, the bank was given proof of this along with mother 's XXXX certificate. <P/>As my wife and I have been retired for some years now, my desire was to have OneWest Bank cut a check and mail it to me in Montana. OneWest Bank insists that in order for me to receive this inheritance I must open an IRA with them so that they might transfer the funds to that account in order to close that account ( a {$25.00} fee ) to send me a check. This being their policy. This strikes me as being both circuitous AND superfluous. <P/>What can be done to facilitate matters in this situation, getting them to simply send the specified amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I did a bank wire transfer for {$2000.00} to XXXX XXXX on XXXX XXXX. My bank, XXXX XXXX has informed me the wire transfer has gone through, but now 5 business days later there is NO sign of the funds in my account. 
I have filed a formal submittal to XXXX XXXX ( case # XXXX ) on XXXX XXXX. 
I got an automated e mail back, but absolutely no action over the past 2 1/2 days. 
I 'm very concerned that my {$2000.00} is lost and I can not get any response from Coinbase ( called the XXXX number, held for about 30 minutes ). 

Please help, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Originally I contacted XXXX from AWA Collections phone number ( XXXX ) XXXX on XX/XX/2022 regarding a debt that although I did not agree I owed, It was my word against the company basically. I just wanted it off my report and was willing to pay it if I had to. The issue is that I read several complaints about them taking clients money, but never reporting the payoff to the agencies, so I asked for our agreement in writing. He did not want to provide that. Basically told me I have to just trust them.. 

The other issue arises when I checked my credit report today. They have already sent me a letter stating the debt is {$270.00}, but on XXXX is showing as {$280.00}, and XXXX shows {$280.00}. A couple of days ago I received an alert from XXXX. What AWA has been doing is adding {$1.00} per month to keep increasing it. I was never notified of any of this, and never received a court ordering stating this would happen. They are clearly violating the FDCPA Section 808 ( 1 ) by changing the balance. I am attaching the letter I received from AWA when I asked them to validate.. that shows the amount of {$270.00} and the screenshots from both agencies reflecting the discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have disputed a fraudulent transaction with Bank of America. I am asking the bank to provide me with the documentation the merchant provided to the bank to reverse the charge and put the fraudulent transaction back on my credit card. 

The bank is not providing me with this information. XXXX did give me a description of the documentation and said the vendor ( XXXX XXXX ) provide BofA  example of a transaction but not anything related to my specific fraudulent transaction. XXXX thinks there was no evidence of my transaction and would consider this charge fraud.

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 2021-09-21
Company: EQUIFAX, INC.
State: ID
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I requested that an investigation be completed and verification be provided to me on several accounts. I was not provided that information within 30 days. The Fair Credit Reporting Act states that verification must be given to me that the information is correct on my report. Not simply an agent saying verified. The documentation must be supplied according to law. The accounts in question are : XXXX XXXX XXXX Idaho XXXX XXXX XXXX : XXXX . 

Under the FCRA Section 616/617 unverified information must be deleted immediately. FCRA 609 ( a ) ( 1 ) ( A ) Documentation is required to include a signed contract with my signature, and all account documents.

FCRA 611 ( 5 ) ( A ) States that without proper documentation these accounts must be deleted immediately. 

I have already been violated. Let alone this character defamation with these reports they couldnt confirm and now I have to carry around derogatory remarks that have lead to denials effecting my everyday life and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are 2 medical bills reporting with Aargon Agency Inc and I never was in the hospital in XXXX or XXXX XXXX but why are these people doing this? I never received anything from any doctor 's office of hospital for that matter. Please help me

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 2022-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For over a year I have not been able to access Equifax 's website to freeze or unfreeze my credit report. Their website is not functioning correctly and I can not get in touch with an in-person representative to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
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:
Recently ( XX/XX/XXXX ) I received a standard letter from HSBC regarding my credit card account - telling me that after careful consideration they were lowering my limit based on several factors listed. 

Amounts on revolving credit too high. 
Proportion of balances to credit limits too high. 
Length of time installment loans have been established. 

I do use my credit cards, I support the spending economy. I believe All of my cards are over XXXX XXXX XXXX some close to XXXX XXXX XXXX. I HAVE NEVER had one single late payment, most of the time they are paid well in advance of the due dates, always more than the amount due. 

I realize that they have the right to do these reviews, my problem is that they are based on flawed algorithms, mostly with little to NO human review. When they arbitrarily reduce the limit, it artificially increases the debt to credit ratio on that account, essentially causing an even more severe impact to lowering my credit score.This then causes an avalanche of other credit companies doing the same thing. It causes the users score to drop dramatically, costing more to obtain credit ( higher interest rates ), or leads to a complete denial of credit. 

As you are aware this can take years to reverse and can really have a very desperate impact, particularly on vulnerable populations. It can cause years of unfair impact to any borrowers and sometimes eventual financial collapse. This practice is wrong and should be halted immediately. 

It took me almost XXXX hours to speak to a customer service rep, was transferred XXXX  times and eventually disconnected. Their customer support app was as bad if not worse. The agents solution was for me to apply for a credit increase, this seemed like an attempt to make another hard inquiry on my report as well as possibly raise the interest rate on the card. 

Collectively these practices seem very much like prohibited XXXX banking practices as defined by the XXXX XXXX XXXX XXXX  XXXX  Consumer Protection Act of XXXX. This is the XXXX occasion for this to happen with my HSBC account. I have asked them to freeze the account, I will pay the balance and will no longer be one of their customers. BUT that will not stop the impact this will have on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: McKenzie Paul & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX while receiving treatment for an one the job injury by XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, Texas XXXX, I was placed in a splint supplied by the clinic. Some time after that I received a bill from XXXX XXXX, XXXX XXXX XXXX XXXX Ohio XXXX for the sum of {$60.00}. I spoke to the office manager, XXXX, at XXXX, and she contacted the billing department at XXXX XXXX and informed them this was a Workers Compensation Claim and not to bill me. The last time she spoke to them wasXX/XX/XXXX at XXXX. She told me at that time that is was all taken care of and I would not be billed as this was all taken care of by my employers Workers Compensation Insurance. I received a letter fromXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Texas, demanding payment of {$31.00} on behalf of XXXX XXXX. No explanation is given for the claim but I had no other business with XXXX XXXX. Since they have been warned on several occasions that this is a Workers Compensation Claim I am inclined to suspect that XXXX XXXX and XXXX XXXX are attempting to commit fraud by coercing double payment on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I had a police report sent in along with my drivers license and social security card for fraudulent accounts on my file. The issues was resolved and the items were removed and o was sent another report, those items have reappeared and they have not been removed. When I call they say they dont see my drivers licenses and social for XX/XX/2019@ XXXX XXXX  is when it was received by equifax. I have the report they sent that was corrected and the most recent with the items back on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the late payments and collection were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is NATIONAL CREDIT SYSTEMS, XXXX. XXXX XXXX, XXXX, GA XXXX. 

Florida requires license and this company is not licensed in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX in review of my complaint The Santander Executive XXXX XXXX sent me a letter on XX/XX/XXXX this is pertaining to XX/XX/XXXX it was not XXXX it was XX/XX/XXXX check number XXXX for {$700.00} posted on my account the balance left was {$57.00}. On the same day check number XXXX for {$800.00} posted to the account and an insufficient fund of {$35.00} was assessed to the account refunded on XX/XX/XXXX. Then on XX/XX/XXXX a sustained overdraft fee of {$35.00} was assessed on my account again! 
My concerns are this I did not have a cell phone this is why I requested alerts only by my email. I explained this to the manager of bank when I made the first complaint. The Santander Rep suggested now that I have a cell phone XX/XX/XXXX I should set up alerts right away so this does not happen again. This was a trick! The bank representative suggested this just so when the complaint was reviewed they would have in writing the account owner set up the alerts on phone after the discrepancy " not before '' and they did! I told her " yes '' I would but this doesn't '' justify '' your error! It doesn't matter if I set alerts on my new phone your branch did not send me an alert by email. Now on her statement she sent me ( like I knew she would ) she says I set up the alerts after XX/XX/XXXX. I did not have a cell phone ( I only use a land line, my daughter suggested a cell ) and the alerts should have continued by email not stop in 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 2019-05-27
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Debt Mediat is not treating me right. They are saying that I owe a debt of {$1100.00} and I DO NOT. I am a victim of identity theft. I have contacted the credit bureau as well and no action is being resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I included a student loan in a Bankruptcy that I needed to file back in like XXXX and it passed through the Bankruptcy court. 20 some years later XXXX XXXX XXXX said that because I consolidated all my debt that that portion the student loan did not pass through. I have tried to talk with these people through the years { XXXX XXXX XXXX XXXX to try and come to some kind of resolution to this and they have been totally unwilling to work with me at all. The amount of the loan was XXXX dollars taken out to attend a XXXX  college back in XXXX. The bankruptcy was filed before they { student loans } could not be included in a bankruptcy. It was in I am thinking XXXX when they threatened to start garnishing my wages unless I started making payments. The amount of the loan with interest is now like XXXX dollars. I have learned through the media that XXXX XXXX XXXX has fraudulently charge loan holders of past loans and am hoping that you can help me to resolve this issue with this company, Thank you for your time in looking into this and hopefully giving me some kind of guidence in the steps I need to take next. Thank ou

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had overdraft protection in place, had the funds in my account, but was still charged a return check fee for a valid charge that I could afford.

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 2018-01-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
1. The company is coinbase, a place to purchase cryptocurrency. I added XXXX USD to my account, but it never got added to my digital wallet, so it is stuck in limbo and I can't use it. It was suppose to be only 5-7 days from a bank transfer. I submitted it 2 weeks ago, they took my money XX/XX/XXXX and today is XX/XX/XXXX. I still have not recieved my money yet and the account says " pending. '' What company is this complaint about? 
www.coinbase.com a crytpocurrency exchange.

Company response to consumer: Closed with explanation