BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: OH
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 have noticed several unauthorized accounts on my credit report. This complaint is submitted Under OHIO LAW U.C.C XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is in error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs ; if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following accounts are unrecognizable : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased Lite Coins for XXXX $ from Coinbase on XX/XX/2018, and since I maintain a XXXX credit card balance, I immediately paid off my credit card balance. The company appeared to have some glitch due to which they reversed or attempted to reverse recent transactions. But since my credit card was at XXXX balace their XXXX $ reversal did not go through. They did not realize this and in trying to rectify their error, they charged my card XXXX . I tried to work with their customer service for several months with no result. Eventually, in the month of XX/XX/XXXX, I disputed the amount with my CC company and they validated my disputed and cleared it for me. What Coinbase did now was they cancelled the purchase of my Lite Coins on XX/XX/2018 and took them away which is so wrong. I have been trying to reach their customer service, facebook, twitter but no luck anywhere. They just do not respond. I am so tired of their extremely poor customer service and just want my coins back and I hope to get help from here. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Was set up on a payment plan where they pulled a monthly payment every month. After almost a year of being on the plan and never missing a payment they decided to send my account to collections. No warning, no offer to re-evaluate monthly payment. How can a company agree to accept a monthly payment and then a year later decide to send you to collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have recently made a purchase online XX/XX/XXXX with a merchant and used PayPal to transmit funds. The payments have been held up because of a typographical error on my name as entered into my PayPal account. I was informed that I needed to upload a variety of documents to verify my identity which I have done. PayPal then informed me that once they receive the information they will allow my account to be updated and release the funds to the merchant. I have complied with all of their demands and they will not release the funds to the merchant. The amount is approximately {$7700.00}. I have contacted PayPal several times between XX/XX/XXXX and XX/XX/XXXX an PayPal will not discuss any aspects of the issue with me nor will they give me any updates on the issue. I need to file a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: Gitsit Solutions, LLC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
KONDAUR CAPITAL CORP, is attempting to foreclosure on my property with a fraudulent robo signed document. I have requested that XXXX XXXX XXXX XXXX, XXXX, as Trustee of XXXX XXXX XXXX XXXX no longer sign as Attorney in fact for us. It is unconstitutional for my rights to be waived, for I am entitled due process of law. They are going to foreclosure on my home on the courthouse steps without responding to the QWR, debt validation letter, or the proof of claim in which was submitted. I am disputing this debt because we do not owe this amount, nor do we have any contract to with neither Kondaur Capital or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Firstsource Business Process Services, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempts to collect medical debt giving confusing information & being returned documents that do not prove that the debt is mine ( ie they mailed me a copy of my Kansas drivers licence which does not prove that the debt is mine. One of the bills they sent says I owe them {$51.00}, another says {$0.00} under " final notice '', yet a third bill says {$140.00} i think before you go around saying i owe you money you need to make up your mind as to which amount it is after 2 requests for verification of the debt clearly indicates confusion on the part of the debt collection agency from the party they are trying to collect from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$450.00} check on XX/XX/2021 via the mobile app. I was notified of a potential hold lasting until XX/XX/2021. I called BofA to inquire and let them know this was a violation of my deposit agreement, the supervisor XXXX said she would pass the information on to her supervisor. The overall response was to call back tomorrow. OnXX/XX/2021 I was notified that the funds would not be available until XXXX XX/XX/2021.

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 2018-02-20
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was an account with XXXX XXXX. I canceled my hot spot at the end of XX/XX/2016. I was told that I could come back at anytime and pick up the service. I told them in XXXX XXXX XXXX and then after 60-90 days they were still billing me. I work out of state and was not able to get my mail. I paid everything online. I then called XXXX again and again. They kept telling me not to worry about it. I called the next month then someone else told me that they would not do anything about it and it would go to collections. I paid on this every month that I had this account on time. I then have been disputing this collection for over a year and I have given all the credit reporting agencies the time line when I switched with bills showing when I canceled the account and still because of these big corporations can put in accurate information on your credit report at anytime. I paid on my account and paid for services that I have like any other account that I have. XXXX should do the right thing and take this off 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 explanation
Consumer complaint received 2019-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone is using my information and has an bank of America account in my name and also doing fraudulent transactions

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 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.

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 2018-07-05
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The problem is that PNCBANK has unilaterally changed the monthly principal and interest amount due on this home equity installment loan. I closed on this loan on XX/XX/XXXX. PNC prepared a Closing Disclosure Form, which is a statement of final loan terms and closing costs. In the section titled Loan Terms, the monthly principal and interest due is {$470.00}. This is a fixed amount. I recently received an Account Statement for period ending XX/XX/XXXX, which identifies the next payment amount due by XX/XX/XXXX. The amount has changed to {$410.00}. I called customer service on XX/XX/XXXX and they could not provide an answer why the amount changed from {$470.00} to {$410.00}. I have 2 concerns, 1 ) What right does PNC have to change the loan terms on an existing loan? 2 ) If I pay the {$410.00} and not the {$470.00} will it affect my credit score? In effect I would be paying an amount lower than that identified within the Final Loan Terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
Approximate on XX/XX/XXXX, I did an online inquiry with Transunion concerning my credit report. As of today, XX/XX/2018, I have not receive an answer. It has been over 30 days ( business and calendar ). My case number is XXXX. 

Also, I was charge for a monitoring program on XX/XX/2018, ( XXXX ) that I ask them to stop it in XX/XX/XXXX. I would like for them to look into that situation and verify has that been done..

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 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Back in XX/XX/2020, I was scammed via XXXX. A friend of mine contacted me via XXXX ( which she regularly did ), and asked me for XXXX dollars. Since we are good friends, I told her I could only send her XXXX, which I did to the email address she provided. I called her immediately to confirm, and she then told me a hacker had gone into her XXXX account and was texting various of our friends. I tried calling my bank, but it was XXXX XXXX, so I contacted FTC instead. Since that day, I've been filing various reports with my bank. They refuse to refund 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 2021-02-26
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent you an email in regards to Binance.us not closing my account when I emailed 3 times telling them my email was hacked and they completely ignored me. I didn't get a response from them until 4 days later, on the XXXX XXXX XXXX  After a few emails back and forth, Binanc.us closed my account on XX/XX/2021. That's 12 days after I informed them of identify theft. 
I I emailed you to put a formal complain towards Binance.us which has another name of BAM Trading Inc. 

My complaint was as followed toward Binance.us : 1. They dont provide consumers with fraud hotline telephone number 2. They don't have a fraud hotline email 3. They don't respond in a timely manner for sensitive issues, such as in the case account compromise 4. They neglected to protect their clients. 
5. They allowed the suspect to continue to have access to my account while they were investigating my claim. 
6. Their lack of quick response and inefficient communication led to a {$12000.00} loss on Binance.us and another {$5000.00} loss at my US bank. 
7. They advertise FDIC insured, that means my money is protected. That is the message I got that us why I signed up with them. 
8. False advertising if they claim to be FDIC insured but when theft happens they don't want to reimburse me. 


I received an update from your agency and you closed my account which doesn't make any sense. My issue was never with Coinbase. My issue was with Binance.us. 

This complaint is addressing Binance.us ( BAM Trading Inc ) XXXX had nothing to do with my complaint other than the fact I was comparing the difference in how they treat their customers. XXXX and closed my account and within in 24 hours they took care of it. They had a number and I was able to shut my accountable immediately. 

Please do not confuse the 2 platforms. 

Reopen my complaint towards Binance .us Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 file an FTC Report ( # XXXX ) last XX/XX/2021. I am a victim of " Identity Theft ''.

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 2017-08-01
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
American Express fraudulently, knowingly after many, many complaints from   XXXX   XXXX   XXXX  . American Express intentionally located an old American Express that was included in a Bankruptcy   XXXX   implying that it has been active since  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX and 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 2020-06-03
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving debt collector calls from SYNERPRISE CONSULTING SVS for months now and for a while it was routine to get a phone call every morning around XXXX XXXX. But now I receive calls at random times and I do not answer them so I always receive a 6 second voicemail where nothing is said. Often times when I answer, it is that same silence and then the phone hangs up. They often called every day of the week with sometimes missing a couple or few days in between calls.They also change what number the call from every couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Collection account reported to credit bureaus on XX/XX/2020 after bankruptcy was filed on XX/XX/2020. 

Per Complaint # XXXX, It is Ad Astras policy to wait until the approval of the discharge associated with the chapter XXXX bankruptcy, before requesting a deletion from the credit reporting agencies and returning the account to our client. 

The bankruptcy has been discharged. Please remove this collection account from all three credit bureaus promptly. Your cooperation will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have sent two notices requesting verification of debt. I sent a request on XX/XX/2020 and another on XX/XX/2020 and have yet to receive actual statements. They leave messages on my cell phone and work office that they are from a legal team and someone will be coming to my home and place of work to serve me with papers and possibly arrest me. Its been several months and no one has come. The call at various hours starting at XXXX XXXX  and stopping sometimes as late as XXXX XXXX.

Company response to consumer: Closed with explanation