BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 got a letter from TRANSUNION dated, XX/XX/2021, stated We received the identity theft block request you recently sent to TRANSUNION. However, TRANSUNION at this time declines to block the information you have identified for one or more of the following reasons : a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) you have obtained possession of goods, services or money as a result of the transaction issue. So, I sent TRANSUNION a cover letter stating, If I received goods or services, please have a senior executive certify under the penalty of perjury I received goods or services as a result of these transaction pursuant to 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ), certified mail. I included an identity theft report, for the 3rd time, an affidavit of truth, two forms of ID, and a bank statement. TRANSUNION received all of this on XX/XX/2021, at XXXX XXXX  Eastern time. I will provide the documentary evidence as well. Today, XX/XX/2021, I checked the dispute results and TRANSUNION stated the item would remain because it has been verified. This is inaccurate because all of the accounts Ive listed are apart of identity theft. I never gave my consent to have any of this. Also, nothing under 15 U.S. Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirements of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority.

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 2017-11-28
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor XXXX XXXX XXXX  has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX XXXX is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX XXXX do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase locked our account several months ago after I initiated contact regarding a transaction. Coinbase refuses to unlock or restore the account. Multiple complaints with Coinbase have been initiated to no avail, including a formal complaint. The case numbers with Coinbase are XXXX, XXXX ( initiated in XX/XX/2020 XXXX, and XXXX ( formal complaint initiated in XX/XX/2020 ). Coinbase 's replies have been very delayed and largely consist of canned or form responses. Ultimately, in each case, Coinbase instructed that certain security steps should be taken and to let them know when we wanted the account restored. In fact, the formal complaint was unilaterally closed by Coinbase, against our will, with the " resolution '' being to take the same security steps that had been completed previously and to advise XXXX when ready to have the account restored. ( Side note : In an attached email regarding Formal Complaint XXXX, the Coinbase representative references an email of XX/XX/2020 and indicates the email included steps to have the account restored. No email was received on that date. Rather, an email was received on XX/XX/2020, the steps were completed, and Coinbase advised we were ready to have the account restored XXXX. Again, on several occasions the security steps were completed, all requests or instruction from Coinbase was followed, and Coinbase advised of readiness to have the account restored. Coinbase was further advised no transactions on the account were being disputed or being claimed as unauthorized. Despite full compliance with Coinbase 's instruction, the account remains locked. Of course, as the value of XXXX and other cryptocurrencies fluctuates, so does the account balance. This also makes immediate access to and control of the account that much more important as it could result in thousands of dollars in losses. The current account balance is approximately XXXX USD. 

Coinbase holds itself out as a secure and easy place for individuals to buy, sell, and manage a cryptocurrency portfolio. Giving Coinbase money might be easy. But by locking the account and refusing to restore access, Coinbase has wholly prevented the sale of cryptocurrency and withdrawal or use of account funds, let alone management a cryptocurrency portfolio. The result is no different than having money stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I contracted with XXXX XXXX XXXX XXXX and my 1st appointment was XX/XX/XXXX and my last appointment was XX/XX/XXXX. WhXXXX XXXX XXXX XXXX XXXX  told the Dr . I have NO insurance and would pay cash for each visit and he needs to let me know what that bill is so I had 7 visits the 1st was {$250.00} and they told me that by phone so I had that cash ... they estimated the other visits they were going to be either XXXX or XXXX so I made sure I brought in XXXX each time. Unbeknownst to me they were collecting payments for XXXX XXXX and not the doctor himself ... so there WAS a disconnect by XXXX XXXX XXXX. I received a bill from XXXXXXXX XXXX office on XX/XX/XXXX and was confused because it resembled the payments I had already made ... so I kept asking where are the cash payments I made? Finally I went to see XXXX XXXX in person and he explained how the billing worked ... so I had brought cash to pay him ... the date was XX/XX/XXXX. XXXX XXXX noticed that I WAS still dealing with my leg issue and said he would accept {$500.00}. as Payment in full and gave me a receipt to that affect. He also told his office. I got another bill on XX/XX/XXXX and it did not indicate the payment I made so again visited XXXX XXXX IN PERSON on XX/XX/XXXX brought his billing office bill and the receipt he gave me and asked if he changed his mind ... He said No and that he would talk to billing right away and have it XXXX out. I then got a bill on XX/XX/XXXX from this Company called MJ Altman ... called XXXX XXXX billing office and they said it was a mistake and they would take care of it. MJ Altman also filed with the credit bureaus so I disputed the information and it was removed. Now here we are in XX/XX/XXXX and I am alerted by XXXX  that MJ Altman has filed a debt collection on my credit report. 
This Company is wasting my time, attempting to RUIN my credit ranking ( and succeeding I might add ) after they have been shown by me and told by the so-called Client Company ( XXXX XXXX XXXX ) that there is NO debt owed. This Company is a " scam '' as far as I can tell and/or preying on people who may have forgot the details on an account they claim they are seeking to collect debt for. I called XXXX XXXX XXXX  and they said they did NOT authorize MJ Altman and canceled any future agreement and would call them and tell them to " Cease and Desist '' I am writing this complaint as they were told there was NO debt in XXXX ... so why did they reopen the account 2 years later ... and will they do it again in 2 years? They have already decreased my score and are publicly tarnishing my reputation. Do I have a right of redress against this company as what they are doing is harming me and my reputation and I WILL not tolerate that.

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 2019-08-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, a collections account, in the amount of {$4800.00}, was opened under my social security number. To date, I have received NO contact from this creditor or collections agency, notifying me of debt obligation. After becoming aware of this account on my credit report, I attempted to reach out to the original creditor and collections agency with no success. I was informed that I would need to be in contact with the company 's fraud department which was not open at the time of my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: ERC
State: TX
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:
Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: ERC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I've never done any business with this company. I never signed a contract with this company. No one has any permission from me saying that I agreed to do any business with them either. Therefore, I want this item deleted from my credit report immediately. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
on XX/XX/XXXX i requested a international money transfer from XXXX  XXXX for {$100.00} with XXXX fee for the service. the {$100.00} was deducted from my Chime checking account on XX/XX/XXXX. the party never received the money. XXXX XXXX cancelled the transaction on XX/XX/XXXX but never refunded the {$100.00} to my account. A disputed was filed on XX/XX/XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are refinancing our current mortgage ( NewRez loan number XXXX ). The payoff statement for our existing loan provided by NewRez includes a line item for {$2600.00} for mortgage insurance that is in error, and needs to be removed. We have made numerous communications to NewRez over the past 21 days and have had zero follow up or resolution on the matter, and it is holding up the our refinance and is costing thousands of dollars in rate lock extension fees while we wait for the NewRez error to be corrected and a new payoff statement provided : XX/XX/XXXX Spoke with XXXX in the payoffs department and he said the matter would be escalated. We never heard back. 
XX/XX/XXXX Had a lengthy conversation with XXXX XXXX, supervisor, and he assured us the matter would be resolved. Never hard back. 
XX/XX/XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 
XX/XX/XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 
XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 
XX/XX/XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 

Furthermore, in the course of investigating this matter, XXXX XXXX XXXX confirmed that NewRez never made a single payment on the mortgage insurance policy since the we closed on our loan in XX/XX/XXXX, and the XXXX XXXX   Certificate # XXXX was cancelled on XX/XX/XXXX. We are paying $ XXXX/month for mortgage insurance for a cancelled policy with a 95 % LTV loan with NO mortgage insurance right now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I contacted Regions Bank ( XXXX XXXX ) to report unauthorized activity on my debit card. When I called them I spoke with a woman who tried to tell me I didn't have a valid claim because I had done business with XXXX in the past. I explained to her that I had done business with XXXX once before, in very early XXXX. That transaction was finalized and I have a receipt to prove that no other charges transpired from that. 

I told the banker that I had contacted XXXX and they couldn't verify who's charges those were. She still insisted on filing a merchant claim rather than an unauthorized claim. 

On XX/XX/XXXX I contacted the bank and spoke with an agent who informed me that my claim was closed because I failed to provide proof of receipt. However, this isn't true because I forwarded a copy of the XXXX receipt on XX/XX/XXXX. 

She then informed that there was nothing she could do despite me telling her I had over XXXX dollars in unauthorized charges. I asked to speak with a supervisor. 

The supervisor informed me that they'd have to re-open the claim with the " XXXX XXXX. '' After another week of waiting I've been told that they're unable to pay my claim without calling XXXX while on the phone with the agent. I'm also being told they can't change the claim type to a Visa unauthorized charge, even though the first banker made the mistake. 

Regions Bank is clearly violating Reg E and is doing whatever they can to avoid paying claims. This is not a positive experience for the bank, and I will be taking legal remedies if this isn't fixed soon.

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 2019-08-11
Company: New Mexico Educational Assistance Foundation
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been calling 180 Resolutions since XXXX of 2019 to pay this debt in full or get a payment arrangement. I want in return for 180 resolutions to STOP and reverse the dings on my credit score. This is unnecessary and is hurting me the CONSUMER credit report. I have called New Mexico Student loans and they are unable to help because the loan or note has been sold to 180 credit resolutions. They are not willing to work with me every time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Had checking account number used to order checks on Suntrust account. Official Suntrust check company is authorized to send checks to any address without any attempt to verify change of address. Two checks cashed with fraudulent signatures at 2 different Suntrust branches on SatXX/XX/19. Fraud department notified within hours by phone. Went in person to branch and fraud was reported to fraud dept again by bank representative. Told to come back XX/XX/19 because payments were still pending and they couldnt do anything even though bank representative was able to obtains photos of the fraudulent checks from the branches. On XX/XX/19 I returned to branch and official fraud case was finally opened. Told 15 calendar days to investigate. Have called several times to get updates, once told case was closed, then it was still open, then we needed to fill out affidavits 4 weeks after case supposedly being investigated ( they were specifically asked if we needed to do that on day one and they said no ). We have filed a police report, filled out affidavits and can get no information on status of case. Bank representative is trying hard to get info but is no more successful than us. This is a substantial amount of money we have been without for almost 6 weeks.

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 2018-06-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint also includes unfair assessed NSF fee 's, my cash deposit 's and unfair " DEBT COLLECTION PRACTICES ''. On XX/XX/XXXX, I was assessed " unfair and unwarranted '' NSF fee 's. I deposited ( in CASH ) {$65.00} for my Chase Check # XXXX on or about XX/XX/XXXX. I have attempted to communicate " effectively '' with Chase Banks ' rude and unprofessional representatives. However, my many repeated request 's for a reasonable meeting of the minds have fallen on deaf ears. I spoke with XXXX in the Chase Corporate Office. I requested to speak with a Corporate manager ( via XXXX ). I was told ( by XXXX ) that a Corporate manager would return my telephone call ( ASAP )! However, as of this filing, I have NOT heard from a Corporate Manager ( from Chase Bank ). Any and all supportive documentation will be faxed to CFPB for the use of this complaint " only ''. All personal information used in this complaint, is NOT to be used by the CFPB " only ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My business XXXX credit card was recently closed by the bank as well as my employee cards right after I paid multiple annual fees on the employee cards. This is such a switch and bait strategy as the closure happened within days.

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