BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX XXXX and I started an account in coinbase onXX/XX/XXXXwhere I bought XXXX $ worth ETH and later transferred XXXX $ to XXXX to buy some more ETH. However, in the mean while I bought some more ETH through coinbase worth XXXX $ assuming that this would be deducted from the XXXX that I transferred earlier. Later I have realized that this XXXX $ was transferred on top of the XXXX $ as my bank account was showing negative balance. In order to restore this I tried logging in to coinbase through my personal laptop and since that moment it was locked. Amidst all this confusion I saw around XXXX $ charge on my credit card being used to buy ETH, which I did not authorize and so I had to block the transaction by notifying this to the respective bank. I tried reaching out to the coinbase customer support ( which is stupendously slow ) and waited for around an hour only to hear the automated voice asking me to call back. The online support system is useless in its own way and I am currently in a helpless situation as to what exactly is happening with the money that I have transferred and did any of my transactions go trough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, 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:
On XX/XX/2019 I was notified, by the credit fraud alert that a account was placed on my credit profile with a company XXXX. I have been a victim of Identity theft, and the credit report notifies me everytime someone trys to or, has opened a account. I put this alert on my credit report due to the fact that my roomate had stole personal indentity information, and has been using to open up diferent lines of credit in my name. I filed a police report, and reports with the FTC IC3 and, my local police department. I do not understand how this account was opened because it clearly states in all three credit reports to reach out to me to verifiy any new accounts being open. My roomate stole my information from my home while he was still my roomate last winter in XX/XX/XXXX to be correct. He was using my identity from XX/XX/XXXX to I do not even know for how long as, I have to keep checking my report. I can not belive this is happening to me, and never thought that someone could be as, heartless, and uncaring to do something like this. The event I do not know where it happen I only know when he took my information was tiime he was kicked out for not being able to pay his rent.I have reached out to XXXX, and have tried to file this report like three times now and, it keeps not going through. On the XXXX claim website, and everytime I call I just get transfered around. Also XXXX wants me to show them my ID and, I do not feel ok with this as, I am a victim of Identity theft. If they do not have a copy on file of my ID then pretty much they know it was not me opening up a account. The credit report companys told me to file a police report, and so I filed reports with local police ftc XXXX and, I told each company to put a block on this account as, it was not mine but, they failed to do so, this is against FCRA rules my credit is not something I want to be incorrect, as this makes me look bad, for jobs credit ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To sum up..had 2 credit cards, cancelled 1 last month after I paid in full ... they rebilled an additional amount told for interest, even though balance for payoff was requested before paying in full. I paid additional fees and returned card and closed acct. Now since paying off my last credit card with them..I showed a XXXX balance one day..and next day checked said balance due {$10.00}. I called and was told that it was lingering interest on account..I asked how they could charge interest on a XXXX balance, was then told it was an accumulation of interest from past ... I told them that it should have been included as final payment was requested before paying off. Company rep. hung up on me. They say conversations recorded, I hope so. Rep name was XXXX. Supervisor from last card dispute was XXXX. They hate when you pay off card, now questioning all interest during time as customer. I have every statement from start to close. I will forward all documents to authorities as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I noticed a hard inquiry on my XXXX account that Does NOT belong to me. It is from Syncb ( national credit cards/airlines ) on XX/XX/2019. They are out of XXXX, Fla. I use XXXX XXXX & noticed on the site direction to call the creditor. I called them on XX/XX/2019 at XXXX. The first time I was hung up on. The second attempt I was told No one works in that dept. and I need to contact XXXX. The next business day I called XXXX back and was told I need to acquire a letter of dismissal from syncb. So, I called them back and was told they can't give me one because there is no such department. They informed me it was an issue with XXXX XXXX & I need to take it up with them. I started a messaging chat with XXXX XXXX and they told me they would get back to me. They never did. I am trying to repair my credit but I am finding it difficult with people out there who scam.

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 2021-08-20
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX Email XXXX Cell # XXXX To whom it may concern I am writing this letter to complaint about a closed account with Discover Credit Card Company. 

This account was open XX/XX/XXXX with the account of {$7000.00} and it's now at {$6700.00} I was making all my payments until I had some financial difficulties in XXXX I Consolidate all my debts into one except Discover because they had already file a claim in court, By this time I lose my apartment and job, in XXXX I started to work and still couldn't afford to make any payments. In XXXX the company took me to court and I was ordered/settle to make monthly payments, and I did so but once again the XXXX of XX/XX/XXXX I lost my job again so I failed to make payments, I haven't able to work/get a job because COVID19 arrived soon after with that said a couple months ago I reach out to Discover about my account and was told I could not access my account because a 3rd party was involved which was not true. The Customer Representative mentioned to me they will get in contact with the 3rd party and get back to me, which they never did and even recommended that I do so as well. I called Century Debt Solution to confirm this information and the information that was provided to me by Century customer service my Discover Credit Card account was never applied to my Debt Consolidation, I don't understand why I am getting the run around on this account/issue I would like for someone to reach out to me please I am trying to resolve this issue on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact XXXX XXXX XXXX and Simmons agency regarding this debt unfortunately a previous roommate took my information and ordered items without my knowledge I do not have any information on how to track them down I have been trying to resolve this for quite some time now please consider removing this account from my name as I did not incur these charges. I have tried to contact XXXX XXXX XXXX  and Simmons agency regarding this debt unfortunately a former roommate took my information and ordered items without my knowledge. I do not have any information on how to track them down. I have been trying to resolve this for quite some time now without any luck. please consider removing this account from my name as I did not incur these charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/2020, Experian stated the inaccurate Chapter XXXX Bankruptcy listed on my report was verified by XXXX XXXX. Additionally, on XX/XX/2020, Experian stated " relevant information '' was needed for a re-investigation. A copy of a letter from XXXX  XXXX, dated XX/XX/2020 was mailed to Experian which stated, after a re-investigation, XXXX XXXX was unable to verify accuracy of bankruptcy and removed the record from my XXXX  XXXX  report. Experian acknowledged receipt of the letter via their website by opening bankruptcy dispute on XX/XX/2020 and modified it XX/XX/2020. Experian opened an additional bankruptcy dispute on XX/XX/2020 and modified it on XX/XX/2020. On XX/XX/2020 Experian stated the bankruptcy dispute was still pending. On XX/XX/2020 Experian falsely stated the " company '' that reported the information to them certified the information was true. Experian exhibited unethical business practices and a violation of my rights by not identifying XXXX XXXX as the data furnisher as previously stated and falsely claimed the Chapter XXXX bankruptcy was verified. On XX/XX/2020 in response to CFPB complaint # XXXX Experian continued to make false claims by stating the " public record vendor '' verified the information. Experian exhibited unethical business practices and made false statements in an attempt to continue to violate my rights. Experian has knowingly been in possession of the deletion letter from XXXX XXXX since XX/XX/2020 and has maliciously and unethically chosen to ignore the provided information and not act upon it per the rules and regulations outlined in the Fair Credit Reporting Act. Experian is well aware that the " data furnisher '' and " public record vendor '' they have skillfully referred to is XXXX XXXX. This has been done in an attempt to mislead the Consumer Financial Protection Board and allow them to continue to violate my rights.

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 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2017 {$2500.00} they took my money and wouldnt give it back to me, so that I could pay my bills

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 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am able to get a Credit Report from every Credit reporting Agency accept TransUnion. When I call it is as if I am speaking to two different agencies. One person says one thing and gives me a number to call. When I call that number I get different information. In XX/XX/XXXX ; I tried to view my credit reports via XXXX XXXX XXXX. I was able to view reports from XXXX as well as XXXX but not TransUnion. I phoned TransUnion to inquire about the problem. I spoke with three representatives. Two gave me false information about logging in to the website to view my credit report. The last rep told me he was unable to access my credit report but he asked me if I had a credit card and wanted to verify my E-mail address. He then told me everything that was on the credit report even though he said he could not access it. I emailed XXXX   XXXX XXXX to inquire if I could report TransUnion for possible Fraud. Two weeks later on separate days, I received two letters from TransUnion stating I needed to verify my personal information. The first letter was three pages long front and back. The second was one page front and back and looked as if it was a copy. Both had the same information but different file numbers to inquire about. I discovered in XXXX that I had been a victim of Identity Theft. I believe someone at or affiliated with TransUnion is responsible as well as a former employer. I was asked to call with this file number on the three page letter from TransUnion : XXXX mailed from XXXX Alabama Permit No. XXXX.The letter that appears to be a copy has the file number : XXXX US Postage Paid 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 2018-04-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The first loan date was XX/XX/XXXX. The last loan date was XX/XX/XXXX. Total amount of loans = {$81000.00}. 
I believe I have been cheated by either the Dept. of Education or Navient ( Loan Servicer ). I was lead to believe that my Student Loans to XXXX College ( a XXXX School ) would be completely forgiven due to the school being closed for cheating. After consolidating my loans so that they could be forgiven, only about 30 % of my loans were discharged, leaving me with a balance due of {$56000.00}, which I can not pay. I suspect that either Navient did not credit me for the full amount discharged, or that XXXX XXXX, the new Head of the Department of Education, has had an impact on the amount of forgiveness allowed. I do not trust either institution. I have lots of documentation justifying my expectations and what was actually delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Chime Financial 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:
On XX/XX/2014 an account on Chime was opened without my knowledge or permission. This account is 100 % fraud. 

I tried calling several times to cancel the account but can never get through to a representative. I emailed several times and received very unhelpful responses. The last response they asked me to email them a copy of my g we meant ID. After they allowed a fraudulent account to be opened, there is zero chance I giving them PII. 

There unwillingness to take swift action even after being made aware of the fraud is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY 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 2018-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX-17 I do not remember the amount but it's for Bank Of America, XXXX XXXX XXXX and any other banks shown on the XXXX report. This one person who was my roommate at the time, when I opened the accounts, told me the checks he had were good and instructed me to deposit the checks into the atm and into my account but little did I know that they were bad and ended up getting the bank to force me to close out the account and be put on XXXX  for fraud when it was my ex-roommate who did the checks. There was a warrant out for my arrest and by working with my defense attorney, I was able to get the charges against me dropped. I can contact my defense attorney and get him to ask the police there for a police report that proves that the charges were dropped. I just want the XXXX bad listings on me to disappear for good. 
For XXXX, this was all because my roommate instructed me to deposit a, in his words, good check that was actually a bad check and that bounced, making me owe money and having the account closed out by the bank. 
I just want this to be off XXXX and me to be put out of the database.

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 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
CREDIT BUREAUS WEB SITE NOT COMPLYING TO ACQUIRE REPORTS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I submitted a payment to XXXX XXXX XXXX for {$300.00}. The first payment was submitted at XXXX.The next morning I checked my account the payment didn't reflect so I submitted another payment. Once XXXX XXXX open I called and asked if they could if my account reflected 2 payments, the representative stated yes. I asked if they could reverse the 2nd {$300.00}? I was told " no '' because it was already processed. XXXX XXXX stated I needed to speak with my bank. I called NetSpend, ( XXXX ), was told I needed to open a dispute. I sent all the rquired inforamtion requested by Netspend. XXXX XXXX refunded the funds back on XX/XX/XXXX. The Pulse network system received the funds on XX/XX/XXXX and refunded the money to Netspend ( XXXX ) on XX/XX/XXXX. Tried reaching out to ( XXXX ) home office left a few messages seeking help. I have spoken to several rude customer service representatives. Spoke with a supervisor on XX/XX/XXXX by the name of XXXX who hung up on me. With the dispute they are making me wait until XX/XX/XXXX and they may give me a provisional credit.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; I did not authorize the said inquiries, please delete.

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 2019-05-22
Company: UNITED BANKSHARES, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Around the first of XXXX I filed a complaint against United Bank to what I describe as discrimination. I was trying to withdraw a large sum of money out of my account. An employee came over and started looking over the clerks shoulder and stopped her from giving me my money while checking to see if my deposit of days before was a good check although it had been cleared that day by the bank. They didnt address my complaint but sent a lie back saying the employee helps people to make sure they dont get scammed which had nothing to do with him refusing to give me my money because I was XXXX. Since then the bank has made it hard for me anyway they can. For the past month or longer I have had real problems managing my account because I cant get into it online. They keep giving me a security check about every time I try to log in from the same phone the same way. I called and was told it was no one I could talk to to stop this. At that time a supervisor fixed it so I could get in but the next day it was the same thing. I would choose to answer questions and then it would say it could not give me questions to answer ( this is what kept happening ) so my only choice was to receive a text after I give them the code on my phone on their page. I read it back to them on three occasions and it said it was the wrong code. This has cost me money, time and stress. It should be my choice of the level of security for my account to log in from my phone with every thing consistent. Their security is terrible where it should be with money being taken out of my account unlawfully more than once and by the same company.

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