BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: SYNCHRONY FINANCIAL
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:
SYNCB/PAYPAL CREDIT CARD is still showing on my account. I am no longer an authorized use as of XXXX but still shows on my account. Please remove 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 non-monetary relief
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Macys has a star rewards program for credit card users, the more money you spend the more rewards you are given. Those rewards can be used towards any purchases made at Macys with your credit card. The concern is when you return an item that you used the star money on. They have a policy on returns, that any star money used is null ( which is understandable, rules are rules, I dont get to use them anymore, no problem ). The complication is that when they process the return, the refund is completed but the star money ends up as a balance on your account. This has happened twice to me now. So I decided to report it. 
For example and my compliant I purchased an item for XXXX, when I was at check out I had XXXX star money which I used for my purchase therefore only paid XXXX. When I returned the item, they credit me back XXXX and left me a balance due on my credit card of XXXX. 
I have now called 3 times and have gotten different answers on the issue above, ( 1 ) thats how it works now I have to pay Macys XXXX ( that is fraud ) or ( 2 ) that someone in the back end forgot to clear out the store money, and the rep on the phone promised to clear it out. As of today, nothing.

This is a huge disappointment for me, as I really like Macys but if as a company you can not fully control the star money program, dont have it!!!! As a customer, its frustrating that you create a program and restrict star money from being used but dont set systematic controls to properly handle the return. Further, I would urge you to look into how many customers have been charged by your teams not fully processing the returns and causing a balance ( you have to take into consideration not everyone balances/reconciles their accounts ).

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 2017-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2016 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
XXXX  XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} XXXX HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED EXPERIAN HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX DISMISSED

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 2020-02-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
midland credit management keep attempting to collect this debt of {$490.00} that they received from XXXX  XXXX XXXX, I did not open the original account, it is not mine. i have disputed this information on my credit report with XXXX and XXXX XX/XX/XXXX at that time it was not on my XXXX report. This item was removed from both credit reporting agencies in XX/XX/XXXX as not valid. because it was removed from XXXX and XXXX. Midland credit placed this debt on my XXXX credit report. i do not owe this debt and i would like for Midland to leave me alone regarding this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
After being a Coinbase customer since XX/XX/XXXX, on XX/XX/XXXX I noticed I was no longer able to log into my Coinbase account as none of my 2fa codes were working. I went through all the appropriate troubleshooting recommended on the Coinbase website. I was unable to reach anyone at Coinbase by either phone support or emailing customer support, and the Coinbase ID verification servers were malfunctioning as posted on their website with no timetable for being fixed, preventing me from accessing my account that way. As every option to remedy this problem was exhausted, I wanted to ensure my account was secured so I submitted a request on XX/XX/XXXX to lock my account and was told an account specialist would be reviewing my account and contacting me shortly. Since that time, I have spent a total of 6 hours on hold via 8 separate phone calls just to eventually either get hung up on by multiple customer support agents or have them answer and say there is nothing they can do to help. I have sent multiple emails with only generic responses and empty promises that someone is " looking into '' the issue. One Coinbase phone representative I spoke with said that it was impossible to give me an estimate on how long it would take to get my access restored to my account, and there was literally nothing she or anyone else could do about it. She also refused to let me speak with a supervisor, saying that she did not have one there. It has now been 26 days since I have had access to my funds, despite extensive effort on my part to regain access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
BANK OF AMERICA XXXX XX/XX/XXXX {$6300.00} XX/XX/XXXX {$6300.00} CHARGE-OFF {$0.00} This account dates back to XXXX and was charged off more than 5 years ago. Yet, it just got reported on XX/XX/XXXX. There is no reason for this being reported now. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance ( see attachment ). This negative entry should be removed immediately. I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX.  Clearly I was the victim of a fraudulent scheme by this company and I would ask that XXXX correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. 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 2020-02-12
Company: WELLS FARGO & COMPANY
State: CA
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 XX/XX/2020 a payment in the amount of {$550.00} was posted to my account from XXXX XXXX. I immediately contacted them and was told it was an error and the transaction would be reversed because I didnt authorize the payment coming from my card. I didnt even know they had my card on file. I filed a claim on XX/XX/2020 with Wells Fargo and was told that they would not pursue my claim because I had done previous business with 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 2020-06-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2017-07-28
Company: AMERICAN EXPRESS COMPANY
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express charged my account for a company called XXXX {$110.00} on XXXX XXXX, 2017. I had cancelled this account 2 years ago, and not used it since. I had disputed charges previously with Amex 2 years back when XXXX continued to charge my cancelled account, and Amex had credited me. When I saw the charge again, a year later, I disputed again, and was given a credit by Amex on XXXX XXXX, 2017. Then Amex sent me a letter saying XXXX said I was still a member ( clearly untrue as I have not used the service is more than 2 years in any way ), and they offered no proof. They also recharged my card the {$110.00}. I tried to get in touch with XXXX again, but they have no phone # to call or email, and since I have no account with them, I could not sign into their site either. Amex also told me the charge went to a former Amex card #, not even my existing one demonstrating that the charge is fraudulent. I have tried three times to get an AMEX manager on the phone to resolve this, but they have put me on hold for many hours, and never put a manger on. The supervisor, most recently XXXX ID # XXXX, kept reading that they refused to credit me, as XXXX claims I am still using the service. I am not. Both XXXX and Amex have conspired to charge me, and may have done so repeatedly over the past two years. I am still researching my credit cards to see if Amex has improperly charged me before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This account do n't belong to me, I never open this credit card.

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 2022-01-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account reporting on my credit report has been illegally re-aged. I have never entered into any kind of agreement with this collection agency. They insist on furnishing information that is inaccurate, illegally reaged. They do not respond when contacted. they only verify the account as accurate with the credit bureaus. They are in violation of the XXXX XXXX Code as third party debt collector. I have confirmed they do not have a surety bond on file according to the secretary of state according to the address listed on my credit report. However, they continue to report this alleged debt on my credit report.

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 2018-01-07
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX at XXXX XXXX an unauthorized Charge was taken out of my account for the total amount of {$210.00}. I secured my account the same day and changed my password as well. I sent an email to Coinbase Support explaining what happened and they temporarily disabled my account. They told me on XX/XX/XXXX that once a security review was completed I would be able to access my account again but it might take 10 days. I have completed the all the steps on their review but still have not heard back from them. I have over {$20000.00} worth of virtual currency in my Coinbase account but until they unlock my account I can not access my funds. I need them to turn my account back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: MA
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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$7600.00} ACCOUNT NAME : COLLECTION ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$570.00} The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX , MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: GA
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 submitted 4 dispute requests,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. Under the new law effective XX/XX/XXXX any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I got an email stating my account was overdraft {$100.00}, I instantly went check my mobile app to see what was going on. When I logged in the screen said account closed and had an XXXX number for me to call, I called the number and spoke with a gentleman that said Bank of America has decided not to do business with me and my account is closed. I didnt get a notice, I used my card the morning of XX/XX/XXXX I just picked up a temporary atm card on XX/XX/XXXX no one said anything. This messed up my direct deposit I have to wait until next week to get my paycheck and I couldnt get my money out the account, they send it back in a check and that takes a week. I have a rental car that I couldnt pay for with the rest of my weekly bills not to mention the autopay I had set up I cant even eat all because my funds are tied up due to Bank of America deciding to close my account with no explanation. This is HORRIBLE ... I will never trust a bank again and definitely will never have all my money in one spot. I have 2 bank accounts now with no money in them thanks to Bank of America. I want to take further action.

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 2021-07-18
Company: EQUIFAX, INC.
State: NY
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:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XXXX XX/XX/2020 EQUIFAX  - XXXX XXXX XX/XX/2020 XXXX  - XXXX  XXXX XXXX  XXXX  XX/XX/2020 In addition, there is a duplicate inquiry from XXXX XXXX XXXX XXXX on XX/XX/2020 listed on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Accelerated Servicing Group LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke with someone XXXX 2017 at XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX guy '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. 

How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 ( US- Eastern Standard time ), I tried to withdraw 0.4 BTC ( Bitcoin worth ~ {$4000.00} at the time ) from my account on CoinbasePro to a white-listed address ( digital wallet ) I've withdrawn to for at least 30 times without a problem. CoinbasePro showed a message stating withdrawal not allowed because it was under maintenance. Instead of crediting the 0.4 BTC back to my account, CoinbasePro kept the 0.4 BTC. CoinbasePro showed the transaction in pending status without a  destination address or transaction hash ( where destination and transaction hash are proof a withdrawal is successful and traceable on the blockchain ). I filed a total of 5 tickets over the course of 11 days, providing all the information requested to their Support team. They failed to help and kept closing my tickets, claiming they were resolved. But my issue was never resolved! I am still missing 0.4 BTC ( Bitcoin ). 

I called but they do not have phone support for this and directed me to their website. I emailed the CEO, XXXX XXXX, on XX/XX/XXXX detailing my issue and frustration with the support team referencing Case # XXXX. The next day, that ticket was closed and my 0.4 BTC was still missing. 

As of today, Coinbase still owes me 0.4 BTC! 

Case # s : XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously notified Transunion and XXXX that I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion and XXXX  are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX XXXX is fraudulent on my Account Number : XXXX XXXX XXXX is fraudulent on Account Number : 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