BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi, on XX/XX/2022 I saw a video on XXXX of XXXX ( XXXX ) XXXX XXXX founder ( XXXX XXXX ) while I watching his video there was a promotion like bonus next to his video saying : We believe that XXXX and XXXX XXXX will make the world more fair. 
To speed up the process of cryptocurrency mass adoption, we decided to run XXXX XXXX XXXX XXXX giveaway. 
Please follow XXXX to participate in the giveaway. 
To participate you just need to send from XXXX XXXX to XXXX XXXX XXXX XXXX to the contribution address and we will immediately send you back XXXX XXXX to XXXX XXXX XXXX XXXX ( XXXX ) to the address you sent it from. 
Send XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back Send XXXX XXXX XXXX, you will get XXXX XXXX XXXX back so I went to to XXXX and send XXXX shares of my XXXX to their wallet address which is : XXXX. 

and after sending it, i didn't received my bonus which is XXXX shares of XXXX and I chatted with them on the same website and i said i didn't receive any shares of XXXX he said over the chat : Sorry, but you are one of those people whose transactions were lost when the system was rebooted. We are sorry. They got lost in our system but did not cease to be reflected in the blockchain system. To return the funds, you should send one more minimum payment, and then after entering the system we will be able to edit it and adding your transactions will send them to vou XXXX. 

and I found out it is a scam because on the video I saw on XXXX somebody made a fake XXXX account for XXXX XXXX and edited that promotion next to his video to trick people and steal crypto shares from people. they are using the founder 's name and video to scam people. I can't believe i did this stupid thing. ive lost a lot of shares and money and i was so sad about this. I dont even know if there is any way I can get it back or not. but please concern this. I have my crypto in Coinbase pro and emailed Coinbase and they said : All cryptocurrency transactions that are confirmed on the blockchain are irreversible. Coinbase has no information on ownership of external cryptocurrency addresses, and because this is an external process, there is no way for Coinbase to cancel, reverse, or recover these funds on your behalf. is there any way I can get my shares back?? can you track it down to find the person is doing this to people? im so XXXX  about this happed to me. 

Thanks So Much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
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:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: COLORADO HOUSING AND FINANCE AUTHORITY
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: Public record information inaccurate

Complaint:
Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since XXXX i have been trying to pay my loans and they keep rejecting my payments. Now it is charging me late fees and RUINING my credit score. Customer service said they dont know and refused to give me any information, my bank says they arent seeing anything on their end, my banking information is correct. I dont know what else to do because its about to ruin any chances i have moving out of my parents house and its charging me interest!!! i feel like im being taken advantage off and need to take legal action to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CITIBANK, N.A.
State: IL
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 am involved in a dispute with the CitiCards regarding fraudulent charges that were made using my credit card on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was alerted via email about the suspicious activities by the CitiCard Fraud Department. Later, the same day, I spoke to the CitiCard Fraud Department representative, and I was made aware of three " suspicious '' purchases charged to my account on XX/XX/XXXX and XX/XX/XXXX. I informed the person to whom I spoke that neither me, my wife or my daughter ( two other authorized card holders ) made these purchases and that we did not use the card at all on the days in question. However, when I received a statement for the period of XXXX through XX/XX/XXXX, there were 27 more charges made during the period between XXXX and XX/XX/XXXX, amounting to XXXX dollars. When I disputed the charges, I was informed, via a generic letter, that the " dispute has been closed '' and that I am responsible for the charges I was not told about because and I quote " The card 's XXXX chip was used to make disputed transaction ( s ) at the chip enabled card reader. You verified that your card was in your possession at the time of the transition ( s ), so we don't consider this fraudulent activity ''.

I have made numerous phone calls and sent three emails to CitiBank Security Services that I am submitting as the attachments for your review. I have been very frustrated with the contradicting messages that I was given during my numerous attempts to resolve the problem. CitiCards admits that the purchases that they alerted me about and that they identified as fraudulent were made with the same card and with the same chip as the purchases they want me to pay for. They ignore my inquiries and refuse to explain how they reached two contradicting decisions about the purchases that were made with the same card, during the same time and in the same area. Even though the charges were made 40 miles away from my place of residence and we provided CitiBank with the evidence that none of the card holders were in this area at the time when the disputed purchases took place.

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 2023-11-12
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Aidvantage has been rejecting my student loan payments since XXXX of 2023. For each months payment I have received a confirmation of payment email followed by an email stating that they have not received payment. I have contacted the company several times, each time resulting in no response. I even tried speaking to a representative and when I finally reached someone they hung up the phone on me. Furthermore I do not want this affecting my credit score as I have not missed a single payment, they have just failed to collect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: American Credit Acceptance, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Annual Interest rate is 25 % when I got approved for the loan on XX/XX/2019 at XXXX for the car although I had a low paying full time job and terrible credit. That makes my bill {$550.00} every month, and if I have a late payment an extra $ XXXX per month, on top of the {$6.00} processing fee for when I have to go online to make a payment. I believe they also charge the {$6.00} processing fee for if I make the payment over the phone.My finance charge is {$19000.00} in expenses due to this 25 % charge. Ive been making payments on this high interest note with late payments, and processing fees included so my bill is current. However, I feel like I should have never had a 25 % annual interest rate charge in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
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: Account information incorrect

Complaint:
In XXXX of XXXX my Husband and I filed for XXXX XXXX bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay, Notice only '' payments to be made by the debtor ( s ). On XX/XX/XXXX our bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on- time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '', to the credit Credit Bureaus . As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in their " Loss Mitigation Dept. ", the department manager XXXX XXXX, says they have done everything they cant do, and blames the credit bureaus, the credit bureaus say they only report what the receive. We check our credit regularly and pay monthly for Equifax credit monitoring, to date nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Accelerated Servicing Group LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company ASG recovery kept on calling my family members about a debt that was charged off by XXXX XXXXXXXX XXXX  which i was never affiliated with it apparently it has to do with a credit card that they provide online XXXX. I don't know anything about it XXXX and if I did do it I never received a card which I know I didn't do XXXX they charged it off and now ASG recovery says that I owe over {$3000.00} which I never had the card I don't know what they're talking about

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, I have a credit card account with Bank of America which for many years is set to auto-pay with my bank account without issues. 

Bank of America unilaterally changed the due-date of my credit card payment sometime in XXXX of XXXX and the following events happened : 1 - Late charges were posted to the account for XX/XX/XXXX, XXXX XXXX 2 - The card limit was reduced from XXXX to XXXX almost exactly the amount due 3 - My card was reported as delinquent to the credit bureaus 4 - My credit score went down and stayed down even though I paid any amounts past-due I called Bank of America customer service and the agent informed me that the due-date was changed in XXXX and suggested that, since due-dates don't change automatically I must have requested the change - I did not! and submitted a regular request for a credit line increase. I tried to talk to a supervisor but none was available. 

I heard from friends and colleagues that they also received a letter reducing the credit limit from Bank of America so I wonder if this is a systemic problem with Bank of America 's cards. 

Despite several frustrating calls, I truly struggle to understand why Bank of America would treat a long-time client like me so poorly.

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 2022-02-23
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Had credit card through XXXX XXXX XXXX. account was closed and reported to credit bureau 's before I could make a minimum payment. Account opened on XXXX from what I recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PREVIOUSLY SUBMITTED THIS COMPLAINT AND IT WAS MARKED DUPLICATE COMPLAINT BY CAPITAL ONE AUTO AND THAT IS NOT CORRECT Ref # XXXX. 

I am writing this due to noncompliance with the CRA ( XXXX & XXXX  ) They have failed to remove information that was affiliated with personal details that were challenged in the past and removed ( my address ). I strongly believe that they are in violation of the FCRA  and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-10-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied an extension of credit by CAPITAL ONE BANK. On XX/XX/2022 I submitted a credit card application and was sent an Adverse Action notice from CAPITAL ONE BANK on XX/XX/2022. The letter from CAPITAL ONE BANK is proof and evidence that I have been discriminated against. CAPITAL ONE BANK has violated my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Typical deceitful bill collector. Collector told me if I set up a payment plan, would not be reported to CRA and If I don't they will hurt my credit. Also, I contact the XXXX XXXX XXXX XXXX XXXX and they have NO records of any payment due since my Insurance covered and pay all my medical expenses. They admitted their mistake and said they will send an email to americollect to retroactively fix the issue. I asked americollect to contact XXXX XXXX XXXX XXXX XXXX and they refuse to do so saying they do not contact their client. This is unfair and illegal to not rectify an issue after proof is given. Threatening me to ruin my credit over a debt That I DO NOT OWE. I seek advice from XXXX XXXX who advices me to call in which I did as stated above to the phone number ( XXXX ) XXXX and I also conducted an investigation in which according to CFBP Americollect stands at a whopping complaint rating # 182 of 2,458 companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: FULTON FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of fraud with Fulton bank. Fulton bank cashed a fake check and took my money and left my account in the negatives. The fraudulent check came from an indeed job posting. I have email correspondences stating it was not legit. Indeed removed job postings so no one else was subject to what I am going through. They told me I was going to be employed as a driver and I would need to cash the check and put a deposit on the vehicle. I sent them all my information including driver license, social, and birth certificate. Fulton Bank has taken all my paychecks deposited into the account and money that was previously in my account. They did not even file a dispute for fraud but took all my money and will not release it. My contact information is XXXX. I am a single mother with two kids and recovering from hysterectomy due to XXXX XXXX. I am disgusted with how I am being treated and now being stolen from. All deposits going to be made will be taken from me. They said they could not close the account only freeze it so I can not use it but money can still go in that they will take. I have attached all documents

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 2021-06-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXX of XXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me

Company response to consumer: Closed with explanation