BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was unreasonably cancelled by the Bank of America. I do n't care they close my account with no reason but I need my money on the account back. The total is XXXX dollars. I call them lots of times from the end of XX/XX/XXXX till now. They told me they will send the check to me, but I am not sure if they really did. I check the right address and phone number. The first time they told me they had made a requirement for sending it. After few days, I called them again to check. They said it was sent out already, but I did n't get it. They asked me to wait but there is no response anymore. I kept calling them to ask, the attitude of customer service is so bad! And they said they still did n't sent out but they can make a requirement again. After three business day, as they said I call them to check again, they still did n't send out. I asked if they can give me a reason why they did n't send it and send me an email when they send the check. They still say no!! They said the check was sent back to the Bank because no one received. That 's impossible! I lived in the residence hall, all the mail will be received by university employees and the Bank mail does n't need signatures. Today, I called the customer service, firstly, a lady asked me do my city have Bank of America, if so, I can just go to the bank and get money. Then I called the Bank of America financial center, the  banker told me I can take my photo ID and get money directly. For making sure, I called the customer service again. Another customer service worker said they do n't have this service and what I can do is waiting. They do n't give me any promise, response and evidence show they have already sent my check. 
My first language is not English. I am an XXXX I do n't know if this is because they think XXXX people do n't know the policy or law, so they intentionally do this to me. This is XXXX. I really want you can help me to solve this problem.

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 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX and TransUnion are not investing nor providing the method of verification for the following item : XXXX XXXX XXXX IL XXXX / XXXX Additionally, how are XXXX and TransUnion able to verify what XXXX can not. What is the method of verification and who are they talking to? 

XXXX CLOSED Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE *XXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within 30 days. 
Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed Bankruptcy case number XXXX has been removed from your XXXX credit file. Written confirmation has been mailed to you. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your XXXX Credit Report, please visit us at XXXX to learn more.

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 2017-10-05
Company: General Motors Financial Company, Inc.
State: NC
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:
I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the GM Financial account to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, 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:
There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX  - {$0.00} XXXX XXXX XXXX - {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2019, XXXX 's XXXX XXXX made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: MO
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 submitted a dispute to Equifax about an inaccurate report from a third party company. I submitted my evidence that the report was inaccurate and the source of the record does not give that type of information out. I disputed the information for it to be removed and Equifax refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: GB Collects, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving phone calls from GB Collects stating I owed a debt from XXXX XXXX in an amount of XXXX which was not true after that phone call I received a letter to answer to the debt and I did so I sent them a certified letter asking them to send me a contract with all complete documents and my signature On XX/XX/2018 which they fail to do so I sent them a letter stating this 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 my credit report. Otherwise, fraudulent account. That is reported company will be talking to court you have 30 days from the date listed above to send contract in full are I will see you in court I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. Your failure to positively verify the accounts has hurt my ability to obtain credit. the company sent me document of my name on somebody else bank account I really don, t think that is okay and action need to be taken on GB Collects

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: AES/PHEAA
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: Account information incorrect

Complaint:
i have 2 student loans for my 2 XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing.

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted several times a day about a closed / discharged debt. 
XX/XX/XXXX they contacted me via my work number. I notified them that I can not take personal calls at this number. Shortly after, they called my bosses cell phone #. 
Today ( XX/XX/XXXX ) I was contacted again on my work number after asking them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX I was a victim of identity theft, where my deceased mother purchased an apartment with my name and initials. Then again, in XXXX in XXXX my social security and name was used to purchase another apartment without my consent. I reported police reports but the collection agency have not resolved this problem with my credit. 

Company 1 : XXXX XXXX XXXX XXXX 2 : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Coinbase, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase has denied me access to the digital assets in my account ( valued on XX/XX/XXXX at approx. {$270.00} USD ) Coinbase claims that it is verifying my identify - for over 50 days.

I have submitted all required information and have offered to submit any other documentation it requires. 
I have attempted to contact Coinbase repeatedly via its support page twice a week since XXXX and receive no reply. 
Coinbase has no ability to receive customer related phone calls. 
Personal information was not required to hold digital currencies when my account at Coinbase was opened around XX/XX/XXXX. ( Id verification was only needed by Coinbase to sell digital currency and send the funds to a recognized bank ). 
Around XXXX XXXX A change was made requiring personal information be submitted and no option was offered to allow me to withdraw my digital assets unless I complied ~or~ if a choice to withdraw my digital assets was offered when I then attempted to comply by verifying my identity the system chose to not allow me to withdraw my digital assets claiming ever since they still need time to verify my identity. 
I acknowledged in my communications via the Coinbase support page - at the beginning of not being verified that because I was a US citizen living in XXXX the verification of myself could potentially require extra attention. Like my other attempts to communicate with Coinbase, this message was ignored. 
I continue to offer to provide any additional and all required information that is needed to verify my identity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paragon Revenue Group has stated that I owe {$110.00} for medical bills that were not paid. However, I know I have never missed a medical bill payment. They told me to contact the medical practice that issued the debt, so I did and they said they have no record of sending a debt to collections. I called Paragon back and asked for them to provide a Debt Validation letter they said they already sent one to my address and it came back undeliverable. The agent then said to call the post office to find the letter that he just said was returned undeliverable. I asked him to send the Debt Validation letter again and he refused and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Navient Solutions, LLC.
State: MD
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:
The problem I am having with Navient is that they are failing to correctly allocate payments to my student loan. I have three students loans with Navient ; a privet and two Federal that are consolidated. My problem is with the Federal loan.  Since XXXX I have been doing over payments to the Federal loan portion that has the lowest outstanding principal. As of XXXX statement, my outstanding balance for the loan was {$2400.00}. After making the over payment for XXXX, when I verify the statement, the outstanding balance increased to {$4200.00}. I've called Navient several times ( XX/XX/2010, XXXX, and XX/XX/XXXX XXXX to get an explanation of what happen and to fix the problem. Their customer service people were not helpful. At least I found out that all the over payments I did, after been apply to the correct loan ( per my instructions in my profile setting ) where reverted and apply to the loan portion with the highest outstanding balance. I want for Navient to follow correctly my over payment instructions. I still have a long way to pay my student loans, I don't want to deal with Navient 's purposely confusing and misleading information. Their practice are deceptive at best and fraudulent at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been 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 2019-07-03
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX Ca. XXXX on XX/XX/XXXX, I got a letter from Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX XXXX Diversified continue to call us from XXXX This letter was a collection Bill for {$220.00} Creditor XXXX I called the Diversified collection company the 2 times since they continued to call, and explain that I never had XXXX phone Service and I never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX. I was told not to worry about it but they continue to call. 

We than call XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX and fraud department XXXX with the same response. 
We will fix it but we dont know when. 
My credit score drop 20 point and we can not get them to fix it, this account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I went to a web site to a company that said they would help with my credit scores. I deposited money in the account they gave me to start the program to help restore my credit for better standing. I first deposited {$27.00} ... the amount to deposit was {$9.00} ... instead I gave them, XXXX ... the next payment I gave them was {$100.00} ... I thought I was to get the card... but later found out ... I had to put the entire {$500.00} in the account before I get the card ... I later found out ... that I had an emergency bill I had to pay ... I asked them to close the account ... that I needed my money to pay a bill ... That was a week ago... I sent them an email... they emailed me back..and said they were going to deposit my money into my Bank account at XXXX that same day... and it would take a few days... I got back in touch with them again, and they said they had submitted the payment, that has been going on now for almost two weeks, and these people have not gave me my money yet. I believe they are trying to keep my account open, so they can go back into my account and get a payment of XXXX ... and report to the credit bureau that i am late to bring my credit score back down ... I have called them I don't know how many times ... I have held their phone at least an hour and no one comes to the phone..They just will not pick up their phones ... even if they give you a time... neither have anyone called me back and I have left my number for them to return my call and I have sent them emails and they still have my money and will not put my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX ( Property Address ) to SPS.

In my correspondence ( please see attachment ), I informed SPS that I was making a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX ) : 1 ) Appraisal 2 ) Copies of Loan Documents 3 ) Copies of Property Inspections 4 ) Escrow Statements 5 ) Homeowner Insurance Payments 6 ) Loan Payment History 6 ) Foreclosure Notices, Notices to Cure, Acceleration Notices, etc.

I informed SPS that under Section 6 of RESPA they were required to acknowledge my request within 20 business days and that they must try to resolve my issue within 60 business days. However, I did not receive a response from SPS ( please see attachment ) until XXXX XXXX, XXXX. SPS stated in its letter that since more than a year had passed since SPS had serviced my request, a response would not be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted an ftc report about inquiries i did not authorize. ftc report attached. 
Also my name is misspelled and there are addresses listed that are not connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted an ftc report about inquiries i did not authorize. ftc report attached. 
Also my name is misspelled and there are addresses listed that are not connected to 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 2017-10-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN REGARDS TO : SANTANDER XXXX XXXX XXXX. BOX XXXX XXXX XXXX TEXAS XXXX. I REQUESTED A DEBT VERIFICATION AND VALIDATION WITH PROOF OF ORIGINAL CONTRACT BEARING MY SIGNATURE THROUGH CERTIFIED XXXX DELIVERED ON XXXX/XXXX/XXXX SIGNED BY AGENT XXXX XXXX. TODAY WHILE CHECKING MY MAIL I RECEIVED A LETTER OF VALIDATION WITH MY NAME AND SOMEONE ELSES INFORMATION IN THE STATE OF OHIO. I ASLO RECEIVED MY XXXX AND XXXX REPORT WITH INACCURATE REPORTING ON MY REPORT. XXXX TRULY FEARFUL THAT MY INFORMATION MAY HAVE BEEN COMPROMISED AND SANTANDER HAS DONE NOTHING TO RECTIFY THE PROBLEM. NONE OF THE PAPERWORK THEY SENT VERIFIED THE DEBT WAS MINES BUT THEY HAVE IT UNDER MY NAME AND SOCIAL SECURITY NUMBER. THERE REPORTING REMAINS ON MY CREDIT REPORTS AND I NEED HELP IMMEDIATLEY.

Company response to consumer: Closed with explanation