BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, I contacted the Coinbase Help Desk. I simply asked if they could help me identify an extra {$100.00} wire transfer from my bank. I said I couldnt locate it in the transactions. I was NOT stating I thought I may have been breached. There were three {$100.00} charges in a row. I remembered one. I found the second. My error. Could they help me identify the third. Just a few minutes later, I received a bot email response stating the had locked my account. I immediately replied back NO. I sent another email telling them to unlock it. That was ignored. Then an hour or so later, one of their Staffers replied with a response to my inquiry. I had inadvertently set up a {$100.00} recurring buy charge. He told me how to cancel that. I replied I cant fix it until they unlock my account. He replied it would take their investigators four to five days to unlock it. So I waited. I tried emailing the Help Desk again, but received another bot response that their email was no longer enabled. I had to submit a ticket. I did so. I have since sent in multiple tickets referencing the first ticket number. I just get bot responses saying each ticket will be added to the first. Thank you for your patience. I filed a complaint ticket. It has now been 17 days. Their own site says lockouts can take up to ten days. No other communication. They have only one published telephone number. That is solely for the purpose of calling to lock ones account if one thinks its compromised. I hunted down all three of their physical mailing addresses, of which they really only publish two. I sent a long letter to their VP Customer Experience explaining this whole fiasco. In the meanwhile, Coinbase has my money. It is part of the pool of investor monies that they can leverage for their own investing, yet I can not trade or sell or buy anything while a XXXX XXXX is running. They are thus using my entrusted invested money but keeping me from utilizing it myself. I cant even see how much I am losing or gaining. As a XXXX XXXX on a fixed income who is diligent in watching over his investments for retirement, this action on their part is egregious and untenable. The last time I saw my account there was about XXXX in there. That may be peanuts to them, but it is a quarter of my total invested money. As they keep signing on thousands of new users to fill their coffers, they seem content to manipulate the assets of old clients. Others have been locked out for ridiculous amounts of time as well. I gave no consent for an arbitrary lock out. That is what their one sole telephone number is for. The original ticket number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21
Company: XOOM CORPORATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
XXXX falsely asserts that transactions are processed quickly, and claims to users that the process requires far less work than it does. 

I was sending money to XXXX, so at XXXX, I selected XXXX from the top-level menu, and got this text : " It's very easy to send money to XXXX. From our website or app, simply enter the amount you want to send, select where you want the money to be paid out and decide if you want to pay with your bank account, debit card, or credit card. That's it! " The front page also promises that " Your transfer will arrive in seconds. '' The intent of this ad copy is to get users to initiate the transfer, surprising them with additional requirements after they have invested time to start the process. After submitting, I was told to call customer service, who told me to send personal documents ( via unencrypted email ). I was told that the user agreement states that documents should be mailed, but this is not true : the user agreement defines " XXXX XXXX '' as data, not mailed documents. 

I am unable to reconcile the statement " That's it! '' with the several additional steps required, and believe the promise made on the front page to be false. 

Verification takes a day, so the promise that the process takes seconds is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I received a letter from XXXX XXXX XXXX XXXX stating that if I paid a portion of my bill the rest would be listed as settled in full. I paid the amount on XX/XX/XXXX. I received my credit report on XX/XX/XXXX. My report states that I paid only a portion and that I need to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 is missing that should be on the report

Complaint:
To Whom It May Concern, I am looking over my credit report and for the past few months XXXX is the only company that show 's my XXXX 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as XXXX 's. I have provided a screen shot of XXXX showing I have a XXXX 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.

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 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
these acoounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
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 have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Equifax on my behalf, with no response from Equifax. also i disputed with Equifax 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from the bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem. 
Also this is the 4th time that i submit this claim with the cfpb, each time receive the same ignorant response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : Chase Card XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : XXXX. XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied to change my income based payment plan on XX/XX/2018 from the IBR plan to the revised pay as you earn plan. This would significantly lover my monthly payment ( about {$100.00} less a month ). I was told I would hear back from XXXX XXXX by the XX/XX/XXXX with a decision. Since I hadn't heard back from them I called on the XXXX to see what was going on. I was told the application was in process and that it should go through in the next few days. 

As of XX/XX/XXXX I still hadn't heard anything so I called again. This time I was told that the application had a note requesting it be looked at now. That note was placed on the XX/XX/XXXX. I was also told that it could be several months before the payment plan is switched. I made sure I did this with plenty of time before my student loans became due as they were in forbearance until XX/XX/18. I also requested a due date change and was told that would take affect when the new payment plan went into effect. The current payment owed is {$300.00} a month and the new payment plan would bring it down to about {$200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XXXX/XXXX/2017

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 2020-11-24
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is a part of XXXX it is a cell phone service that they establish within their company that people could use actively alongside with a cable and Internet service. However unfortunately XXXX does not offer payment arrangements split pay options they only require you to pay the full balance of your monthly service plan and any device payment agreements. I unfortunately got laid off of my job in XX/XX/2019. I immediately contacted XXXX between XXXX and XX/XX/2019. I spoke with supervisors managers customer service representatives who told me the same thing they answered no. They told me that I could switch to their {$15.00} for every 1 GB plan and just monitor my use, be around Wi-Fi consistently or turn off my phone whenever I wasnt on it -- which no one ever is actively thinking to turn their phone off on a consistent basis. I merely told them to cancel my service. They then told me that since I am doing that that they were going to charge me for my last service plan plus my remaining device payment balance and any other taxes surcharges and fees I said OK. The last statement which is reflected through XXXX XXXX shows a balance of only {$1000.00}. I dont know when I first received a letter in the mail from the collection service originally was sent to XXXX XXXX XXXX and they stated that my balance was {$1300.00}. It is now in the hands of GC services Limited partnership with the same balance XXXX. Where are they getting the other {$310.00}?!? If it was because it was sold off to a third-party collector I never received anything in the mail explaining why it accumulated to that amount. I just received hey you owe XXXX you have 30 days to dispute this letter otherwise were going to report it on your credit! Oh here are your options to pay the whole thing!! 

I think it is just beyond ludicrous that I did my due diligence in trying to set up payment arrangements, payment options so as to not get my service canceled and they wouldnt budge they wouldnt allow me to do that they wouldnt allow one exception and because of this I now have this huge debt which I didnt ask for which I tried to avoid like what type of system is this and then to put it on someones credit report?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Amazon Rewards visa card charged me cash advance interest charge of {$7.00} and purchase interest of {$52.00} on XX/XX/20 after i paid my total balance before my due date which is XX/XX/20. My chase card agreement stated we will not charge interest on purchases if you pay by due date each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
the XXXX XXXX XXXX was purchased XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey first arranged the with XXXX XXXX.When I got the 1st late notice from XXXX  I phoned them and told the person I talked to about how I would need a different due date.This was because I only income is from Social Security XXXX.They extended o reasonable grace period so I would avoid any late fees in the the future.This the exact same procedure I took with hunting when I received my 1st late notice from them.At the time I first called they their customer assistant in formed me huntington did not offer grace periods and I would have to make the payment an pay the late fees or I woud never see my title.I have a half a dozen times when Called huntington a discussed the same Social Security issue with them.Same answer huntnigton has no grace time for passed due payments.I have made monthly payment on the principle ever month since XXXX.never missed a payment.I received on XX/XX/XXXX a loan transaction history. With a start date of payment of XX/XX/XXXX. 
The conversation I had with a rep from huntington, I asked why they never tried to work with me that rep asked why didn't apply for a distress wavier.Well think that ' because it was never offered. 
I have the copies of the Loan history an checks.I don't have ready access to a fax.Wiil happily mail. e-mail or tex and let me know. 
cell no ( XXXX ) XXXX XXXX would get fastest reply Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In the year XXXX until XXXX Wells Fargo charged me numerous amount of banking fees which resulted in the closing of my account. I believe it was unlawful with no fault of my own. I reached out to them numerous times with no results. I am filling this claim to be reimbursed for over XXXX XXXX dollars in fees including fees from other companies that the bank rejecting due to the fees that overdraft my account. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX XXXX # XXXX*** is reporting an account that I never seen before. I don't know what this is and it looks like an account for child support, in which case it is not mine as I have never paid child support. I don't know why this is on my credit but it is not mine and it needs to be removed.

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 2017-09-22
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
complaint # 1 XX/XX/XXXX During the recession, I was unable to pay this account with American Express . The last payment was XX/XX/XXXX. The company and I have come to NO agreement or terms to settle this account nor have they offered to reopen in good standing. They have submitted reporting 5 years after last payment stating the account is closed and charged off as of XX/XX/XXXX. This is unfair to me and only reflects XXXX abusing the statute of limitations and 7 year consumer protection stating that any bad debt will drop off after 7 years. They are prolonging this by waiting 5 years to report. 

complaint # 2 Current XX/XX/XXXX XXXX erroneously and without my consent issued a payment plan that I had verbally declined on a phone call. I need recorder line records submitter by XXXX to prove I did not agree to these terms. I also never received the letter they attached to close the original complaint above. This account is well over the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: DC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Acct # XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was diagnosed with XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XXXX XX/XX/XXXX. 

As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees. 

I provide this not to justify why the account was unpaid, but rather to show that the issue with ( XXXX XXXX ) is not a good indicator of my actual credit worthiness. I hope that ( XXXX XXXX ) is willing to work with me on erasing this mark from my credit reports. 

I would like to stress the fact the information currently being reported is accurate. I am simply asking ( XXXX XXXX ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account. 

Your kind consideration in this matter is greatly appreciated. 
Regards, Your Signature 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 explanation
Consumer complaint received 2020-12-12
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
101  : Between XXXX - XXXX, 2020 ; my Credit Score, just as sure as the Government declared, the National replacement for general forbearance, the acceptance, I had no choice, about to say ; yes or no ; I talked to the Ed Finanancial Service, ; okay, I an explanation for why the, Immediate 200point drop of my Credit Score, wouldn't ( would not ) be evermore now, as sane ; or rule explainable, not ; I mean it was the only thing, i wasn't paying off- and surely surely, all my Credit notations say " good payer, ' '' so 1 ) they partially ruined, the credit but stated, there is no way they did ; so that resolved untap the world of the other Self-fettered, commentary that by XXXX  itself, yeah you know you're Score is messed- up involuntarily : so just ask for moneyback, for the XXXX  ; services ; and in. Service. 

And, now just to make sure, that this Ed Financial report doesn't go without a purpose ; for years now I have been XXXX  XXXX, XXXX XXXX and associated with XXXX XXXX and fundraiser-er and XXXX worker of 12 years as a XXXX  XXXX XXXX XXXX ; and now, then 12 Years as XXXX XXXX XXXX XXXX, and now exactly, another 12 Year supposed span from which I started the XXXX, Certification and have kept up with the XXXX ; and Professional Development, and also much ; the XXXX  partnership with the XXXX XXXX XXXX, forth which, there is not anyone yet declaring my XXXX XXXX have any sore of Applied, Acceptance by the XXXX prepay, Ed Financial without XXXX XXXX, vs. the Ed Financial notations of each and every moment ; that for years ; would suggest " GOVERNMENT PLEASE PAY OFF HER LOANS SHE ALREADY PAID OFF XXXX HER OWN!! '' Come on. I would also, like a Total refund, of which should have been immediately, refunded, for Advantage resonations ; thank you ; and anytime. Contact me, for, more info : ( and I respond, with XXXX XXXX XXXX, work and write on viewpionts and personal blogs and for Donations, do coupons. )

Company response to consumer: Closed with explanation