BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My current debit card that ended in XXXX was set up to be cancelled, on XX/XX/XXXX, I received a email from Bank of America on XX/XX/XXXX, that a visa undisclosed merchant reported that my card had been compromised, I was told on the phone on XX/XX/XXXX that it was a precautionary measure, yet over the period of that time until the XXXX yesterday, purchases and charges were being proceeded to ny balance, I spoke with them again on Saturday after a {$49.00} from XXXX on XX/XX/XXXX, and XXXX most recently hit my account, after I had put a stop payment on the XXXX of XXXX, I was told that after they put stop payment, and await for all of these to post, then I must call them back to get it disputed during business week ... so I now have a few hundred dollars so far in charges to my account, along with changing my new card to merchants I do authorize yesterday, I was charged by these merchants fees due to late change of debit card info, I am out XXXX dollars in add charges, and when I call bank of america its a minimum wait of at least 58 minutes, and each time I was on phone for over 2 hours waiting to complain about this ongoing problem, which they were aware of to begin with, I'm disgusted ... THEY WERE FULLY AWARE AS OFXX/XX/XXXXXX/XX/XXXXTHAT THERE WAS A PROBLEM, YET MAILED NEW VARD REGULAR MAIL, WHICH I JUST RECEIVED ON XX/XX/XXXX VIA POSTAL MAIL FIRST CLASS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 is an account with XXXX XXXX XXXX showing on my credit report in the amount of {$1300.00}. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection or responsible for this debt. I was never sent any proof validating this debt even though I have requested it. Furthermore, it doesnt appear that XXXX XXXX XXXX is licensed to collect debts in the state of Delaware.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion company really dont do there job the person told he was a supervisor and said he will not take anything off my credit file I sent my police report and the others have already took items off he was very rude couldnt not understand no XXXX its really sad that a company can mess your life up this why its not fair Im trying to buy me a house next year and TransUnion is not doing there work

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 2019-05-15
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech XXXX XXXX, et al, has sent me 2 notices that they are involved with the U.S. Bankruptcy Court XXXX District of New York and I have my Mortgage with them. I called Ditech to get info and they said my Mortgage is not involved, but why did I get these papers? The papers say If I want to be involved with the Bankruptcy lawsuit, I need to contact a Atty. but I can not afford one. I am XXXX, I have XXXX. 
I have never missed a Mortgage payment. I requested the two females to email a statement that verifies me that my Mortgage is Not involved with this lawsuit and no one would. The papers clearly state that IF I do not take action I will not be able to collect any money if my mortgage is involved by this lawsuit filed. Again, I can not afford to hire a Atty. to investigate this matter, My mortgage is 75 % of my monthly income from my XXXX Income and I do not think this is fair that Ditech may be RIPPING me and others off for their error ... .They should respect me and let me know IF they have cheated me, after all they threaten me every month that they will charge me a huge late fee IF I do not pay them on the due date. 
Thank you. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a US wire withdrawal from Coinbase for {$1300.00} on the XX/XX/XXXX. It was supposed to deliver on XXXX XXXX but it still has not after 46 XXXX DAYS.  Other customers have recently requested withdrawals and received their funds within hours or a few days. I made a complaint through CFPB 2 weeks ago and the response form Coinbase was that my case was being escalated and a specialist would reach out. I RECEIVED THIS RESPONSE 2 MONTHS AGO AND IS IDENTICAL TO EVERY SUBSEQUENT RESPONSE YOU GAVE ME OVER THE LAST 2 MONTHS. Just look at any of the cases Coinbase opened ( which i asked you to stop opening ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
US Collections, a collection agency is trying to collect monies that I do not owed to their client, XXXX at XXXX. I sent three letters back in XXXX, XXXX, & XX/XX/XXXX ( letters attached ) to validate the debt, they were not able to do so. I requested to be removed from their records and credit bureaus as there was no basis for this collection. 

I never received any correspondence from then since XX/XX/XXXX, therefore, I assumed this had been taken care of. However, on XX/XX/XXXX I tried to apply for credit, and it showed a negative mark in my credit report from US Collections for an amount of {$7000.00}. This has hurt my ability to obtain credit. 

Briefly, I broke my rent lease with their client, XXXX at XXXX, an apartment complex, due to they fail to reply in compliance with A.R.S & 33-1321. Their client did not render a judgement against me ( which I was looking forward to resolve this in court ) instead they assigned this claim to US Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I called Citibank/Visa- Costco to inquire of their credit card protection plan. After being told that I could enroll in the program, I was transferred to another dept and was placed on hold for at least 20 min. When a person, " XXXX '', came back on the phone, I was told I can not enroll because '' they are not giving coverage any longer '', and he didn't know why. I asked to speak to a supervisor, and again was placed on hold for a very long time. XXXX '' from " XXXX XXXX '' finally came on the phone and proceeded to inform me that they, " Citibank/Visa '', had stopped offering credit card protection since XX/XX/XXXX. She said that " no reason was given '' she believed it could've been due to the " news media, complaints '', or just didn't know why. I then was transferred back to customer service dept. and asked to file a complaint against these practices. I was told that I would not be able to receive any follow up for the complaint from customer service. I explained to them that I am currently enrolled in a debt consolidation program ( including Citibank/Visa-Costco ) and needed to have some kind of credit card protection plan in place. I was told that in order to talk to their " client focus team '', I first needed to cancel my arrangement with the debt consolidation program and that I did not qualify at this time to speak to the " Hardship '' dept. 
I had also filed a consumer complaint/dispute against " XXXX '', XXXX, CA in XXXX XXXX, in regarding a " forced '' or " coerced '' purchase for {$4700.00} on my card that I did not want to make with this company/store. I filed the complaint over the phone with the customer service center. They sent me written documents informing me that I only had 10 days to get all the investigative information to them. Because of such a short window of time, I was not able to get all the info to them in the allotted time frame and so therefore I was sent a letter stating that because of little info that was provided to them, they closed the complaint and were " unable to resolve the dispute in my favor ''. When I received the final letter, I called Citibank and explained that they did not give me enough time to present the evidence for the dispute and I was given the dispute phone # to call.

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 2019-05-15
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
CITIBANK VIOLATED " FCRA, FDCPA AND FCBA '', TRUTH IN LENDING ACT, BREACH OF CONTRACT, UNFAIR CREDIT REVIEW PRACTICES..COMPANY CLOSED " SEARS '' MASTERCARD ACCOUNT THAT I USED TO SUPPLEMENT DAILY/ MONTHLY LIVING EXPENSE DURING WAITING ON MONTHLY XXXX SSI CHECK TO COVER BILLS, MEDICAL, LIFE INSURANCE AND CHILD EXPENSES ( IM A SINGLE PARENT FATHER OF XXXX OLD DAUGHTER ) ..CLOSURE OF ACCOUNT HAS CAUSED SEVERE FINANCIAL HARDSHIP AND SIGNIFICANTLY DROP MY CREDIT SCORE ... I HAVE BEEN A LOYAL CUSTOMER FOR OVER 10YRS NEVER LATE ON ANY PAYMENTS ... SINCE THIS UNEXPECTED OCCURRENCES I CAN NOT AFFORD TO PAY SEARS ACCOUNT, PERSONAL BILLS AND OTHER OUT OF POCKET EXPENSES ... IM XXXX VET ON FIX SSI INCOME ... NOTE : I WERE THE VICTIM OF FRAUD ON ABOUT XX/XX/2018 AND FRAUD ACCOUNT IN QUESTION WITH OTHER CREDITOR ( XXXX XXXX XXXX XXXX ) ACCOUNT CURRENTLY IN DISPUTE ... .SEARS HAS NOTHING TO DO WITH OTHER CREDITORS ... NOTE : DOCUMENT PROOF AVAILABLE UPON REQUEST.. '' CITY OF XXXX POLICE REPORT, FTC AFFIDAVIT AND COURT AFFIDAVIT FILED VIA MY ATTORNEY

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 2019-07-08
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: Account status incorrect

Complaint:
XXXX XXXX is wrongfully reporting a credit card debt as current and late, when the debt has been charged-off and paid in full via settlement via XXXX XXXX XXXX a XXXX party collection agency by which I was promised that the debt would be deleted, thereby damaging my credit report on all three bureaus with inconsistent information and duplicate reporting. On the one hand this debt charged off on or about XX/XX/XXXX and forward to XXXX XXXX  of which they began to report the debt as a collection debt. On the other hand the though the debt was charged off and sold to a collection agency the XXXX XXXX continued to report the debt as open and late continuously for more than three ( 3 ) years. Upon my best efforts to reach out the credit union to update reporting and/or settle debt I was told that the debt was sold and off their books and that I should just dispute the incorrect reporting and/or settle discuss settlement with XXXX XXXX. On or about XXXX 2019 I began to review my report in an effort to clean up my report because to my dismay I was being turned down for many job opportunities for my credit. In good faith I borrowed funds to begin paying of old debt in hopes of clearing my credit so that I take advantage of potential missed jobs. On or about XX/XX/XXXX I reached out to XXXX to settle two accounts a credit card with acct # XXXX XXXX {$980.00} XXXX and charge off auto loan with acct # XXXX XXXX {$10000.00} XXXX both of which were charged off accounts of XXXX XXXX XXXX. Though both debts were being incorrectly reported with three line items creating triple reporting for the same debt as follows : ( 1 ) open collections with XXXXXXXX XXXX, ( XXXX ) Open Collections +120 days late and ( 3 ) charge off ( 2016 ) with XXXX XXXX, I was told in order for the debts to be deleted and my report to be updated correctly I would have to pay the entire amount owed plus interest and that they would then inform the credit union directly. As of XXXX XXXX, 2019 all debts have been paid to XXXX XXXX and to this day XX/XX/XXXX2019 the credit card debt XXXX {$980.00} XXXX charge off still remains on my credit report and is being reported current late and charge off by the XXXX XXXX. Being that this incorrect report has been going on by the credit union for more than three years and the debts has been paid in full I would humbly request that both line items ( 1 ) the charge off debt and ( 2 ) the current 120 days late be permanently removed completely from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: First Technology Federal Credit Union
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I closed my loan account with First Tech Federal Credit Union. On the XXXX of XXXX, I sent a secure email to inquire what the process was to close my remaining account. I made no indication I was ready, only that I wanted to understand the process to prepare. The bank immediately closed my account and removed access rendering me unable to obtain tax documents to prepare my 2020 return. I had intended to complete my return before closing my account. The bank sent me a secure message to inform me of this but since they had remove my online access I could not read this. Upon calling them I was told there were some system issues in generating these statements and it would take at least 10 days to process and they would need to be mailed. The bank had no right to close my accounts, I did not give authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I return back from vacation on XX/XX/2019. I noticed there was several transactions my debit card that was unknown to me. It totaled almost {$500.00}. I called SunTrust and made a claim. The representative asked me was there any other unknown transactions. I looked back over four months and I said I did not recognize the XXXX withdrawals that was done in XX/XX/2019. 

The representative took my information and said it would take about a week to get the results. I called SunTrust and they told me the fraud was ruled in my favor but because the transactions were 60 days old by regulation they could not honor it. 
I Told them the XXXX was the only transaction that was done in XXXX. The other {$500.00} worth was done 2 to 3 weeks ago. 
They told me it didnt matter because their fraud started in XXXX. I feel that this is blatant dishonesty on the part of SunTrust and they are using a loophole to avoid giving me back my money. 

I can understand them refusing to honor the XXXX charge but the other charges were separate charges that were done in the past month.. I just need this Bureau to know the dishonest tactics that SunTrust is doing.

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 2019-05-15
Company: Experian Information Solutions 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 was in XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: CURO Intermediate Holdings
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 unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Curo Management LLC, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
I applied for a Wal-Mart Store Card on XX/XX/18 which is offered through Synchrony Bank out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score. 

My complaint is the credit score Synchrony Bank pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what Synchrony Bank has reported. Another key factor that adversely affected my score with Synchrony is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX  XXXX Credit Card and XXXX Credit Card ). 

When I search the address for Synchrony Bank online, it doesn't give an address in Florida and I'm concerned that the address given for Synchrony Bank on the letter that is listed in XXXX Florida is incorrect. 

Synchrony Bank states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over XXXX. Your assistance on resolving the big gap in scores is greatly appreciated!

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 2020-10-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this  account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXXXXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Sunday morning XX/XX/XXXX I was notified by text that withdrawals were being made on my account. I immediately canceled debit card and Monday morning was at local branch and signed paper work for a fraud case. They have denied me saying that it passed their fraud credentials. I live more than an hour from where transaction to place and I was told that another attempt was tried Monday morning but was denied. XXXX XXXX was the time they said the attempt was and I was at work clocked in waiting on bank to open. I have maintained possession of card the whole time and even showed them the card. I dont know what else to do and they are treating me as if I stoled my own money. Please help.

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 2019-07-08
Company: John C. Heath, Attorney at Law, PLLC
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:
In XX/XX/XXXXI attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I gave XXXX   to my child, which left me XXXX! In XX/XX/XXXXI was on perminate XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XX/XX/XXXXfor my loan to be discharged. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay Lexington law to repair my credit. In XX/XX/XXXX- XX/XX/XXXXI got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX

Company response to consumer: Closed with explanation