BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Dear Sir or Madam, I do have a record of all email conversations with the Company Coinbase. 
XXXX XXXX 2021 XXXX was moved from my Bank XXXX XXXX checking account to Coinbase for a purchase of virtual currency Coinbase has this as an XX/XX/XXXX transaction.. 
-I informed Coinbase that I do not wish the transaction it turns out that the transaction as well as an earlier XX/XX/2021 transaction.was an automatic weekly withdraw they claimed I set up. 
-I have no recollection of this. There is no record my initiating automatic withdraws on my account at Coinbase.com. 
XXXX requested a refund for the XX/XX/2021 transaction and received an email that reclamation of funds was in process then on XX/XX/2021 received an email stating that their recovery of funds was complete. They stated my transaction was a failed transaction. 
-Yet my {$1000.00} was not in my checking account nor in my Coinbase account. I inquired about this to their support and would receive emails stating give them two weeks s few days later I would receive an email stating we hope you are satisfied with our action no explanation no action taken. This happened numerous times. 
-Finally I learned of their service for customers unsatisfied with their support team they were a little better and explained that the funds recovery were for funds they deposited while awaiting my funds to arrive.

-They also said in another email that my bank reversed the transaction and they never received my funds. After discussing with Bank XXXX XXXX they assured me that the funds were sent to Coinbase and the transaction was not reversed.

When I informed Coinbase of this they stated to send them the bank statement I did send the statement along with my XXXX showing the funds were sent to them and no reversal of the transaction. 
-Coinbase then sent me an email stating the funds were applied to my Coinbase account. I then requested my {$1000.00} that was still missing with their own words stating they applied the money to my account and received an email stating they hope I was happy with their service and they were closing my case. 
I requested to talk by phone Coinbase stated they do not make outbound calls as frustrating as my money missing perhaps equally frustrating is their insistence on not discussing matters by phone. This has only resulted in a frustrating email stating we hope you are happy or satisfied or something along those lines and closing the case while doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX currently have some fraudulent accounts and increase on my credit reports.

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 2021-04-23
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my house in XXXX of XXXX. The estimated monthly payment was given as XXXX dollars. In XXXX of XXXX I received a letter stating my new mortgage was going to be XXXX dollars due to a change in escrow. The company claimed that the change occurred because the original estimation for flood insurance was {$510.00}, but when they were billed it was {$2600.00}. I don't know where the XXXX came from. The original quote we got for flood insurance was for {$2600.00}. This was a typographical error that caused them to present a monthly payment amount that was not originally discussed. I believe this to be a violation of the Truth in Lending Act. Had they provided me with the correct number I would have reached out to different vendors for better pricing/rates. This error will cost me {$60000.00} over the course of the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2019-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Bank assistant told me going to be Soft Inquiry. 
I got email as Hard inquiry. 
Bank assistant lie to me about this to pull my credit report as hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
To Whom It May Concern : XXXX XXXX Discover Bank Account No : XXXX I have contacted Discover Bank card services several times about the incorrect reporting of the balance they show I owe. 

The outstanding debt has been paid in full, but it is still showing on my credit report with an open balance of {$370.00}. 

I sent a letter to all three credit reporting agencies with proof the debt has been settled through Discover Banks ' third-party collecting agency XXXX XXXX XXXX XXXX but as of my latest credit report, this debt is still listed as owed and does not reflect a XXXX balance. 

I have attached a copy of the communication from XXXX XXXX XXXX showing this debt has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a XXXX XXXX credit card issued by Bank of America ; I was approved for a {$7500.00} credit limit ; the card I was activated ; then I tried to make my first purchase for {$150.00} and the transaction was declined ; when I called I was transferred to Bank of America fraud department ; I was told I had to go to a bank branch and present 2 pieces of id ; I had to wait 45 minutes on the phone to speak with someone ; that happened XX/XX/2023; on XX/XX/XXXX I went to my nearest bank of america branch and presented my ids ; I spoke with the representative from the fraud department and card was active ; a week later the card was suspended again; finally after 35 minutes I spoke with an associate named XXXX from Texas ; she id me and said she was trying to get my latest transaction approved! it was {$60.00} to the XXXX XXXX XXXX. I asked that everytime I used the card I have to do this? she said YES! I have not ever heard of a situation of this nature before! we were discinnebted ; XXXX said since she had my mobile phone number she would call me back ; she never did! the liar! I had to call back and wait an additional 35 minutes! No resolution!

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 2022-01-17
Company: AES/PHEAA
State: OK
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:
XXXX is my current Dept. of Education loan holder. I have been working toward PSLF since graduating with my first degree in 2013. I have had many issues with PSLF over the years. Most notably, long recertification application times. They have placed my loans under " administrative '' forbearance multiple times for many months. They have also failed to process my " in-school deferment waiver '' forms that I have submitted. I went back to school but continued to work full time for a PSLF eligible employer and continued to make payments. I was only made aware of the deferment after requesting a PSLF employer certification count. I have requested that fedloan resolve this issue about every 3 months but they " have a backlog of requests. '' Now that they are dissolving their contract, I would like to have this reviewed before they stop servicing my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

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 2021-12-16
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently review a copy of my credit report and I realize that as a consumer Paramount Recovery is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Paypal Holdings, Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
PayPal is the exclusive credit card agent for XXXX. All of a sudden, PayPal has blocked all my credit cards and not allowing purchase. I do not have a PayPal account and am using valid credit cards with a limit well above the the amount trying to purchase. I called paypal and they told me there was a block on my account even though I dont have one. They are acting like any other credit card clearing house and are illegally collecting personal data and blocking my purchases without cause nor are they giving me a reason. I was told to write to a email address, I did witho

ut reply. Talked to the state of NJ banking commission and they
state that their actions are in violation of their banking agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX  XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXXXX/XX/2020 XXXXXXXX XXXX  XXXXXX/XX/2020

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 2022-01-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information on JPMCB CARD from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express is practicing unlawful business by closing accounts ( 20 years or longer ) when the customer is still making payments. They closed both accounts that I am still sending payments, not as they want me to, but still making some payments. Due to the hardship of the kidnapping of my child onXX/XX/, I was in very bad XXXX and unable to work due to this tragedy. I got a little behind on my payments but continue to pay some on both cards but they closed the accounts and ruined my credit score. I called them 3 times trying to get them to open my account and lower the interest/payment until Im able to retake my job and pay the set amounts but they refuse to help me. They sent me to a debt relief agency that claims to be part of Amex but still refuses to lower my payments. Now Im concerned that they will get a judgment against me but I m still making payments. They are taking advantage of customers that unknowingly and unaware of their practices signed a power of attorney giving up our rights as consumers which is illegal. 
They are refusing to provide me with the original signed application and a hard copy of my signature with full disclosure of their fees etc. They raised my interest to almost double to make it harder to even afford the minimum payment now. 
I need to have them remove the closing of my account /charged off because it really hits my credit score negatively and I won't be able to even rent a place. Please help us and protect us from their bad practices and scheme to deceive the consumers. They closed the accounts and transfer me to collections ( sold the debt ) when Im still making the payments last month. Both cards one ending in # XXXX ( XXXX XXXX ) and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: SN SERVICING CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to the current servicer SN Servicing on XX/XX/XXXX. Before the loan was sold, I had entered into a COVID forbearance with the prior servicer XXXX XXXX. I called XXXX XXXX and informed them that I had XXXX. The representative explained to me that I was eligible, and the phone call was all that was needed to enroll in the program. XXXX XXXX representative also said that the program is good for one year however, I have to call in every three months to see if I still needed the coverage, and at that point I could extend for another three months. I agreed, I was now enrolled in the program from XXXX thru XXXX. 

On XXXX XXXX SN Servicing purchased my loan. I then began to get phone calls and letters from SN Servicing informing me that they had purchased my loan and that I was due for payments. I told XXXX the 1st representative that I made contact with that I was on a forbearance from my former servicer. I told him that it was a federal program and that my old investor was XXXX XXXX, and the old servicer was XXXX XXXX, and asked them to honor the forbearance. I asked if they had any kind of program ( s ) that could help but he said they had nothing and that he would get back to me, he never did. I then began to deal with XXXX, and she also stated that they did not have anything but, referred me to the local agencies and also said " Those COVID programs should be abolished ''. I was also informed that the new investor XXXX XXXX XXXX was not a government backed investor, so they did not have to abide by the previous agreement which was set in place by XXXX XXXX. 

I sent the agreement from XXXX XXXX to XXXX at SN Servicing on XXXX XXXX in hopes that they would honor the agreement but, I have not heard from SN Serving currently. At this point my home is up for foreclosure and I am at my whit 's end and do not know what to do since I have only been given a foreclosure notice and no other correspondence. 

So, at this juncture I am asking that they uphold the agreement that was in place with XXXX XXXX until XXXX ( if needed ). I have lXXXX XXXX so I am still recovering at present. I would also like the foreclosure to be stopped immediately since this undue stress is detrimental to my recovery. I am working hard to get well and hopefully this stressor can be alleviated so that can have a full recovery and begin to make payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted a police report and federal trade commission complaint requesting them to block XXXX  XXXX accounts and XXXX XXXX  I have supplied these creditors also with a copy of police report and they come back every time saying its verified while XXXX  XXXX says they have been requesting it to delete each time. I requested a letter which is attached stating they agree the accounts were fraudulent as a result of identity theft but these XXXX  XXXX and XXXX XXXX  are still reporting on 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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive filed a complaint with Capital One for my checking account on an on going depute with The XXXX XXXX for a transaction that happened on XX/XX/2023 for XXXX. I reached out to The XXXX XXXX several times before filing a complaint and dispute with Capital XXXX bank after I paid XXXX To have flooring delivered to my house my The XXXX XXXX because I am handicapped and cant do it my self. Ive provided capital one 360 all kinds of information a ver detailed stand even my handicap information etc. and they are still rolling in favor because the back office of Capital one states that I used my pin for the transaction. Well yes I did use my pin for it because I had to by the product first then have it delivered to my house XXXX XXXX XXXX and that never happened and now I feel The XXXX XXXX along with Capital one is discriminating against me because of my disabilitys and XXXX getting ripped off my Capital one for XXXX.

Company response to consumer: Closed with explanation