BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid this debt but still hurting my credit score please help me PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX, VA XXXX PHONE XXXX | www.portfoliorecovery.com XX/XX/2022 Re : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current Creditor : Portfolio Recovery Associates , LLC Dear XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ 0.00*. Please retain this letter as proof your account has been settled. 
Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our company 's tradeline related to your account from your credit bureau report. Portfolio Recovery Associates , LLC can not control how fast the credit reporting agencies process requests. 
*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 
If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are XXXX. to XXXX XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX ( ET ). 
Thank you for resolving this account. 
Sincerely, XXXX XXXX XXXX Portfolio Recovery Associates , LLC Representative

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I called TransUnion because I was unable to submit a dispute online. The representative I spoke with filed the dispute for me, but was unable to tell me why I could not access their online dispute website. 

She gave me the number to call the online team. I called and spoke with XXXX. I explained to her that although I was able to file my dispute via phone, I wanted to fix whatever the issue was with my identity not being confirmed. First, she said it was the browser I was using, and then she said it was because I already had a dispute filed. 

The message below is what I was given online : " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Personal Credit Report. The system was unable to get enough information from the Personal Credit Report to complete this process. 

What to do : Please contact us at ( XXXX ) XXXX-XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX XXXX Mon-Fri ). You can also mail your dispute. 

If I can not get it resolved with a customer service representative, that leaves me no other options. '' I just need assistance, and I wasn't given any other options.

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 2021-03-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 I attempted to convert XXXX Pax Gold from Block Fi into Omisego or OMG in Coinbase. I incorrectly attempted a conversion of an unsupported coin in Coinbase. There were no warnings in real time I would not be able to do this transaction. They do have provisions in their user agreement regarding this. I strongly believe they should have some kind of warning system, review system or rejection system before these types of transactions are done. 

I reached out to them and was advised they have a record of the transaction but could neither convert it nor return it and that my money ( {$25000.00} ) was simply lost. They advised a vague confirmation of a recovery, for certain coins, " sometime in the spring '', and would neither confirm or deny my coin would be on the list. 

I asked them for a decrypted private key for the transaction so I could find another wallet that would convert Pax Gold and they would not provide it. I offered them a fee to either convert or return the transaction and they advised they would or could not. 

They make it very easy for someone to attempt incorrect conversions and have no checks or balances when someone does. Their customer service is extremely poor, with no live support whatsoever. 

I do not believe a mistake that can take less than a minute be worth losing {$25000.00}. Their platform makes it incredibly easy for these types of transactions to happen. Their response is they have no interaction with the blockchain. They have the responsibility of handling transactions, but take no responsibility for user error at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My child received an offer, in his name, with my address but the wrong zip code to get a payment card. My child is not working and is not age XXXX to receive a credit report. I'm concerned about why & where this company received his name and why they are sending him these offers. I'm also concerned about identity theft of my child 's identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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:
I am requesting validation that the debt this company claims is mine. If they can not provide a document with my wet signature, then this debt is not valid. 

XXXX XXXX XXXX XX/XX/2020 {$210.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: OH
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:
This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX XXXX over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!!

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 2021-09-17
Company: ERC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports with the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
FORECLOSURE SCAM In XX/XX/XXXX, Ocwen Loan Servicing LLC transferred and sold my loan without reporting the entity they sold to. XX/XX/XXXX, my house was sold on the courts doorstep here in XXXX, Georgia without my knowledge. I did not know the property had even been foreclosed on until late XX/XX/XXXX after consulting a federal agency in reference to Ocwen Loan Servicing LLC trying to add their information to my homeowner 's insurance. Did n't know they had sought after my insurance company until one of my insurance company representatives contacted me via phone to inform me. After seeking out information about why they would call my insurance company, I came upon documents filed and advertised at the XXXX County Superior Court in XX/XX/XXXX,  shortly after learning about the insurance issue with Ocwen.
Immediately afterwards, I tried to retain counsel in my area to no avail. I could not get any help in any form in this state. Contacted an attorney in the XXXX area, who wanted to file a civil suit against Ocwen but declined to proceed and also stated that I would lose if I tried. So, I immediately seeked out the bank that supposedly holds interest in my home to find out that they do not own my home and is not coming against me in any court proceedings based on the bank representatives who are listed in the letter which is attached to this complaint. Afterwhich, today, I contact the attorney, XXXX XXXX, with XXXX XXXX XXXX XXXX who filed proceedings against me for XXXX XXXX XXXX XXXX and asked that he cease and desist because their defendants addresses, phone numbers were bogus and he was in violation of my rights as a consumer. A cease & desist letter will be mailed certified to him and his firm today.
The banks information listed on the court proceedings do not exist and the XXXX XXXX XXXX XXXX representatives listed in my cease and desist letter agreed with me on filing this claim. They can be reached at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX. Please see misleading XXXX XXXX ownership information on the tax document and court proceeding documents attached.
I would like the FTC to conduct an investigation and any other entities you find legally obligated to enforce any laws regarding my situation.

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 2018-09-20
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to do a withdrawal at local branch of BB & T on XXXX XXXX in XXXX, NC on Friday afternoon XX/XX/2018 XXXX for {$2400.00} and asked XXXX XXXX ( XXXX ) her to round up to XXXX. She then gave me a slip for XXXX which I signed and told her it was not correct, round up to XXXX so she did another withdrawal slip for me to sign. I asked for 2 separate envelopes, place XXXX in one and the balance in the other. I did not count the money as I left due to having a bad headache and went directly home where I live with my 2 sons and went to bed with my purse on the chair in my bedroom. Upon awakening, I called the boys into my room to talk and reminded them a person was coming for $ that I owed and removed the envelopes from my purse. I gave each XXXX of them an envelope to count. The first envelope of XXXX consisted of XXXX {$100.00} dollar bills. The other envelope had all XXXX, a XXXX and a XXXX and the amount was only XXXX. The bank shorted me {$1000.00}. I got dressed and took my XXXX year old son to the bank at XXXX. I explained what happened to the manager, XXXX XXXX, who eventually reconciled the draw and I was told nothing was amiss. I expressed my concern and need for further answers as the money never left my purse or envelope and I had gone directly home. She told me I would unfortunately not get an answer as the hurricane was coming to NC and compliance officer was unavailable until the next Monday and gave me her card. I called Monday by XXXX and left her a VM. I then went into the branch shortly after XXXX the same day to inquire and was told someone was likely coming the next day after XXXX to audit. I received a VM from the manager Tuesday stating she was calling but no further info. I called back and left another VM at XXXX. she called Wednesday around XXXX telling me her drawer was counted 3 times, no discrepancy and was given a phone number to call that was the XXXX complaint line. I called and it said the number was not valid. I called the manager again and was given a different number which I proceeded to call at XXXX and was on hold ~18 minutes from my cell phone. I called the manager after 16 minutes from a land line with my cell phone on speaker. While she was listening, the call went from recordings to a busy signal and the call was disconnected. The manager assured me she had spoken to someone and that she would try to send an email and call them back for me. To date at XXXX on XX/XX/18, I have not received any correspondence from BB & T regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I.have a us bank checking and saving account on XX/XX/2002 A deposit was in the amount of XXXX thru the atm located at XXXX XXXX XXXX XXXX. It was held until the XXXX of XXXX. I have not seen those funds and us bank is not giving me a straight answer not in the branches not with the online banking agents. I never get calls back from managers or branch managers. My account also received a transfer of XXXX from a account I that I don't know about. That XXXX was then transferred to my savings account. I had no idea who made these transfers it wasn't me. Yet I am the one who is being held responsible for it. When us bank can clearly see where it came from. 

1. I gave multiple accounts with us bank yet they won't divulge any info. 
2 I am missing a XXXX deposit 3. I have XXXX in od charges yet I was given a refund or a waiver on my OD CHARGES. I am enclosing a copy of myXXXX bank 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 2020-04-28
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a Chase credit card holder. An unauthorized charge appeared on my credit card on XX/XX/2020 for {$1200.00} from a vendor I did not do business with an did not recognize. I discovered the error on XX/XX/2020 and contacted Chase to report the fraud. They suggested I contact the vendor. The vendor would not accept phone calls and instructed me to email. I emailed the vendor on XX/XX/2020 to ask what the charge was for and received no reply. Chase cancelled the card and sent a new one and said they would investigate. I received a letter from them on XX/XX/2020 informing me that they were closing the investigation and insisting that I pay the full amount because I had " received benefit from the transaction ''. This is untrue. I called in an attempt to resolve the situation and the individual in the fraud department was unable to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
discover card is paid off i have tried to dispute with TransUnion and have been unable to access TU

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 2022-10-04
Company: Experian Information Solutions Inc.
State: MO
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:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} 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 non-monetary relief
Consumer complaint received 2022-02-10
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 is missing that should be on the report

Complaint:
I received a notice from my credit monitoring service stating that my credit score dropped 31 points because of inquiries. I have not applied for any type of credit since XXXX of 2021. This is why I am constantly complaining about Trans Union adding wrong and erroneous information to my report causing irreparable harm to me and my family. I am very tired of having missing information put on my credit profile. Why do the CFPB exsist if they are not going to make this corporation do the right thing. They should not be in business if they can't report correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the Scammer, all of which aim at contributing to the goal of robbing and defrauding innocent people. 
Money was transferred from my account via debit card, and through an intermediary named XXXX XXXX, XXXX, XXXX in the total amount of XXXX USD

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 2018-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
This letter is a formal complaint disputing the inaccurate reporting to XXXX, XXXX, and XXXX by XXXX XXXX XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, XXXX, and XXXX and provide me written proof that this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 reached out to both Transunion and XXXX to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : Transunion : XXXX , XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  XX/XX/XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
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The following are inquiries from XXXX that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief