BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I tried to log into my checking account through Bank of America. It did not work, so I called the 800 #. The person told me that the account had been closed and they did not have to disclose why. I asked several times to speak with a supervisor and they told me no. They said they would be sending my account balance in the mail by check in 7-15 business days. I decided to make an appointment with a manager in a branch. The manager told me that all he can tell me is that due to online activity/purchases. He looked at the account and couldn't even figure out why they would close it but said that corporate does this and they have the right to do it without notification. 
I am a XXXX XXXX XXXX young man working and paying my own bills. I do not think this is fair in the middle of a pandemic, to close an account without basis for doing so, and without notice. I did not have access to any money and I was not near my home. What would I have done if needed food or gas. This is completely inappropriate and should be investigated. I have read multiple stories online about others going through the same thing. How many people has Bank of America done this to? What if it were an older person who couldn't get out of the house to go to the bank to fix it?

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I was a victim of Transunion inquiry issue. 
Below is all that is affected : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/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 2020-12-10
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX and Paypal wont let me in my accounts. They do not seem to care. I have other thing to do. I have Civil Rights, I want access to my Paypal and XXXX Acoounts. Look ITS MY MONEY. I WANT IT ToDAY, not tomorrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: Santander Consumer USA Holdings Inc.
State: NY
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 came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put XXXX XXXX down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX. He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( Chrysler Capital , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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:
Hey, hope life treating you wonderfully. Anyways Experian, XXXX   and XXXX  deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: NE
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:
The credit bureaus are reporting a collection account with XXXX XXXX credit card in the amount of {$860.00}. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus and the creditor.

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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I had my identity stolen in 2017, filed a police report sent all necessary documents to all 3 Credit Bureaus, however all the accounts were investigated and removed, however 1 account appeared on my Transunion as a collection agency, Ive made several attempts to get removed, Ive even spoken with a very nasty and rude representative for Transunion who was worthless. As a consumer my rights and privacy are being compromised by Transunion which is unlawful. They cant keep an account on my credit report that was a result 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 2020-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, my husband noticed that he had been locked out of our joint USAA bank account. He proceeded to call USAA to see why he had been locked out and re-establish his online access. When he was on the phone with USAA, they told him that they had decided to no longer do business with us and close both our checking and our savings account. We asked them why this was occurring as we have, to our knowledge, not done anything which would warrant such a decision. We asked them if they had sent us a 30 day notice in advance of this decision and they said that they had not. Furthermore, when we asked how we would have access to our money, they said that because the account was in the process of closing, they would hold our money for the next 60 days. It is now the XX/XX/2020 and we have bills and a mortgage to pay but no access to our money with no clear idea of when we will again have access to our money. We also were never given a 30 day warning in order to prepare for this event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Private 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 called TSI again today and they claim that CFPB never sent them any information regarding my account. However, I have included documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Diversified Consultants, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Diversified Consultants reported on my credit report an account which is clearly not me. I have not used my credit in 5 years due to secret / divorce issue - REPORT NUMBER- XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a long story, I do not know where to start. In XX/XX/XXXX I started the loss mitigation process with my insurance company, XXXX XXXX. They than sold my mortgage to Loan care which is the worst insurance company I have ever had to deal with! So from XX/XX/XXXX all the way until XX/XX/XXXX, I have submitted a loss mitigation packet every month. Every week I would call to follow up on the progress and they would tell me its with the underwriter and everything is just waiting to go through and than when that 30 days is up they would deny as missing paperwork that was previously sent and now they need all updated information. I have done this now for the past 11 months now. It is like the mortgage company just shuffles my paper work around and than denies it for missing information that had been previously sent. I have tried to contact my point of contact that never returns my calls. I would get reps that seem like they want to help and than they would disapper and/or not open my email. I had to end up claiming bankrputy because of this company! I could not afford the amount because of a lay off and I ended up getting so behind that I had to file chapter XXXX so I could save my house and now I am paying my mortgage and than some and can't even afford food for my family. I would recommend for someone to never use this company and they should be looked into.

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 2018-07-26
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: BARCLAYS BANK DELAWARE
State: VA
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:
We have had a long list of Fraudulent charges on our Barclays MC that ends in XXXX and the card is not taking any phone calls regarding suspected fraud. We can not resolve charges with a merchant who is Fraudulently charging our Master Card unless Barclays ' will help. 

We gave permission of {$6.00} only to XXXX but they have other companies that are running Fraudulent charges on our card. Here is the whole list : BARCLAYs CARD DISPUTE for XXXX XXXX. Card Ends in XXXX XX/XX/2020 XXXX {$89.00} FRAUD XX/XX/2020 XXXX {$89.00} FRAUD XX/XX/2020 XXXX  XXXX {$89.00} FRAUD XX/XX/2020 XXXX XXXX {$89.00} FRAUD XX/XX/2020 XXXX XXXX {$6.00} FRAUD XX/XX/2020 XXXX XXXX XXXX  XXXX OK

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 2021-08-10
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Nelnet, Inc.
State: NV
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:
Fraudulent account opening originally with an online school, someone apparently obtained a loan in my name and all of a sudden this company nelnet is affecting my credit. I tried to dispute it and spoke with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 at XXXX I received a call from Coinbase customer service ( See call log attached from initial complaint ). The rep stated that there was suspicious activity attempted on my account. At that point I told the rep to disable my account. After my account was disable, It took over 21/2 Months for Coinbase to allow me access to my account. They stated that at XXXX unautherized transactions were made from transferring out ( At today 's value over $ XXXX in crypto from my account ). They stated that someone sent a text message and was able to gain access/clone my account to access my login, password and 2 factor authentication. My two factor authenitaction is XXXX XXXX which changes every 30-45 seconds. TO gain access to this app my phone/SIM card would need to have been Cloned. I confirmed with my service provider XXXX XXXX XXXX that my acoount was NOT clone. They stated that if that happend, my service would have 100 % been interrupted and I would have had to go into the XXXX XXXX XXXX service center to restore my service, I DID NOT HAVE ANY SERVICE INTERRTION ON MY PHONE!. In addition, Coinbase stated that the call a received from their number was not them, that the Hacker cloned their number and called my to inquire about suspicious activity on my account THREE hours AFTER that took my crypto, which makes NO sense.

1. I have confirmed with XXXXXXXX XXXX XXXX that there was not suspicous access to my phone at ANY point 2. COntacting XXXX, of which Im sure they will confirm that the method that Coinbase stated my account was accessed that they could not have accessed my XXXX That only leaves that my Account was hacked from the Coinbase Network which I know they claim their network has Never been hacker to get customer info. The reality is that their findings on how my account was compromised is NOT true.

I am want Coinbase to RESTORE every Crypto that was taken from my account because my account was NOT compromised from my end!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
in accordance with the fair Crest Fosporing act XXXX  Alcourt my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection 2. XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card 3. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 4. XXXX XXXX  XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
All the necessary paperwork is attached.

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 2018-07-26
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Lexus nexus, aka XXXX has provided false information to my autp insurance policy. Its information has tripled my insurance policy amount. I can not talk to a live agent to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint regarding the contact methods and collection practices made by National Credit Adjusters on XX/XX/2018 My complaint was successfully submitted and completed. ( # XXXX ) The company responded to my complaint with a signed letter by their legal counselor stating the collection calls would CEASE and any further communications would be in WRITING BY MAIL The letter I received stated, ... In order to resolve your concerns NCA has placed your account into No Calls, Letters Only status which effectively terminates further phone communications in regards to your account. Further, NCA has placed your account into a disputed status which temporarily ceases collection activity while NCA requests the documentation from the original creditor ... 

This letter was signed XX/XX/2018 by XXXX XXXX XXXX ( XXXX ).

Within ten minutes of receiving this notice I began receiving collection calls again with the same claims, and this time I was told I was fraudulent. I informed the representative that they were unlawfully contacting me and proceeded to hang up the phone. 

Clearly NCA does NOT take this SERIOUSLY. 

I have verified ALL my current accounts both in collection and good standing on my XXXX and XXXX credit reports and NOT ONE ACCOUNT is being overseen by NCA.

My concern and wonder is how many OTHER people they are scamming out of money through harassment and unlawful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Blue Global Media, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Messenger a person hacked into the XXXX  Arizona '' s Mayor 's personal account an sent me a message about an available program from the Government that I might be eligible for, sort of like a grant for {$50000.00} that I would not have to pay back but I would have to submit a payment of {$350.00} with the application. I also had the Mayors personal number as our conversation did not sound the same, I could tell by the reply 's something was off.

Thank God I didn't give any personal info but I have theirs.

If you want more info please send me info on who to report this to.

Thank you

Company response to consumer: Untimely response
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Yesterday, I received in the U.S. mail my " Free '' annual credit report from " Equifax '' dated " XX/XX/2018. '' On " Page 12 of 54 '' under the " Previous Addresses '' section, it STILL lists that I once lived at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, MN ; XXXX ; Reported XX/XX/2018. '' I have NEVER lived in Minnesota. 
" Equifax '' has STILL refused to take this false " Identity Theft '' Minnesota OFF of my " Equifax '' credit file that I first noticed and first also reported it to " Equifax '' about 4 years ago!!! 

" XXXX '' and " XXXX '' has NEVER listed this " Identity Theft '' Minnesota address on my credit files with those 2 GREAT credit reporting agencies. 

Which tells me that " Equifax '' must have a dirty employee at their company who is on the payroll of this Minnesota " Identity Theft '' crime ring. 
This is my 8th time in 4 years of complaining about this " Equifax '' mistake!!! And each time " Equifax '' takes OFF this false Minnesota Identity Theft address after I complain about it to the U.S. CFPB. But a few months later, " Equifax '' places this false Minnesota Identity Theft address BACK ONTO my " Equifax '' credit report until I catch THEIR mistake AGAIN usually in the FALL when I request for my " Free '' credit reports!!!!

Company response to consumer: Closed with non-monetary relief