BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 i received a letter from FCO ( Fair Collections & Outsourcing ) stating that a client has forwarded an account for collection on the amount of {$5100.00} sent by a creditor XXXX XXXX XXXX. ( acc XXXX ) I have nothing to do with this debt. I called XXXX right away to warn them that my information has been used illegally. I also found out my information was hacked at XXXX. I requested a fraud alert to be instituted on my credit report at XXXX and the other 2 credit agencies. 
I called FCO using the number on the letter ( which doesnt match the one on their website ) and told them i had no idea what this was all about. I spoke to two gentlemen who said someone had used my name and credit as a cosigner or collateral or something in that manner by a person name XXXX XXXX ... .after i requested info on this i got a letter with a print out of charges from a rental property rented by " XXXX XXXX , XXXX '' with a phone number XXXX XXXX XXXX. ( as per fco papers ) Before this information got to me i contacted the local Sheriff Office and i file a report of identity theft, The officer told me to go to file a report with the Federal Trade Commission which i did. 
I also got a Free credit monitoring service by XXXX due to the data breach that included my information. 
Soon after i received a Identity Theft Affidavit questionnaire mailed by FCO this questionnaire asked for very personal information including name address, social security number, copy or my driver license etc etc .... i am sorry but with my information already being out there i will not send this personal information but i will send the sheriff and the Identitytheft.gov report as well as this one. 
FCO hase not even produce a single document showing where i had signed, requested or agreed to rent n apartment ... ... i have never been to the city where this apart was rented nor i dont know who the person who rented the place is. 
Now i am being threaten with this debt being put into my credit report. 
I will be reporting to the Sheriff office the full name of the person as before i only had a partial and incomplete name i was given by FCO

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 2019-05-21
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, I opened my account with Suntrust Bank in XXXX of XXXX. There seemed to ne an issue immediately when a routing number and last 4 digits of an account number showed up. When XXXX  it came it wex bank, i called wex and repoorted that i have never had an account with them which they verified. I then filled a report with your agengcy. The report was closed upon Suntrust response that it was from a prior account. That cannnot be so beacuse the acct i had with them in XXXX was only a CD not able to make external transfers. Now the issue is that ( A merchant on behalf of XXXX has taken money from my account. XXXX has confimed they no longer have my auto bill info. I do belive that it is a merchant acting on behalf of XXXX and Suntrust allowd the transaction simply based on past purchases from a simularly named merchant. I would like to request an immedite investigation as i belive my account has been compromised from day 1. I will also file a report with the FBI. 
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 2021-09-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018.

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 2019-06-12
Company: EQUIFAX, 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:
GIVE ONE MORTAGE COMPANY PERMISSION TO PULL CREDIT AND NOW I HAVE SEVERAL UN AUTHORIZED HARD CREDIT PULLED AND WANT REMOVED, FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have lived in this house and have had the same telephone number since XXXX, XXXX. I do not have any debt. My home has been completely paid since XXXX, I don't have any other debts ; I pay my credit cards in full every month. XXXX has been calling my house off and on for the last three years. I have spoken to them and the calls will stop for a couple of months ; then they will start again. Please have these type of people stop bothering honest people like me. I am XXXX, old and with the phone ringing 10 to 15 times daily ; it's very hard to keep up with these scammers. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or about XXXX I sent Transunion a request to remove a dismissed Bankruptcy they did remove the inaccurate Dismissed Bankruptcy that was reporting to my credit. They then added it back with out notification. This Bankruptcy reads a XXXX $ balance and 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 explanation
Consumer complaint received 2018-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/2014, the bailiff threw me out of XXXX XXXX XXXX XXXX XXXX, XXXX, OH. I lost everything. I WAS DISPLACED. THAT MEANS I WAS CONFUSED. I moved from motel to motel. I never could finish anything.

Finally i '' m working on my credit.

I want to pay half of account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX I purchased four tours with XXXX for a future trip to XXXX, using my Citibank Credit Card. 

When the international borders were officially closed due to Covid, I attempted to cancel the tours and get my money back from the merchant, XXXX Merchant refused to give my money back and offered vouchers I then contacted Citibank to dispute the charges. 

Citibank opened a dispute on XX/XX/XXXX ( see XXXX billing info attached ). I was issued a temporary credit until this matter was resolved. This was a very convoluted process with Citibank since customer services did a poor job answering my questions. 

On XX/XX/XXXX, Citibank reversed the credit and resolved the issue in favor of the merchant. Within the same billing statement there was a temporary credit in my favor XXXX XX/XX/XXXX XXXX and a reverse of the credit in favor of the merchant ( XX/XX/XXXX ). This information can be found in my XXXX Invoice, which is attached. 

On XX/XX/XXXX when the XXXX statement was due, I paid it in full through " Auto-pay ''. Therefore, despite disagreeing with the resolution, I paid the amount owed to XXXX. 

On XX/XX/XXXX, Citibank issued a new statement with three new charges for XXXX. 

On XX/XX/XXXX, upon verifying the statement, I called Citibank to dispute these charges, since I had already paid for them in as it can be verified by the XXXX statement ( also attached ). 

This resulted in endless calls with Citibank customer service, dispute center, and fraud department. 

On XX/XX/XXXX After multiple attempts to resolve the matter with Citibank, I filed a complaint with CFPB ( Complaint Number XXXX - also attached ) On XX/XX/XXXX - Citibank, through Auto-pay, charged me the full payment for the XXXX billing cycle, minus " credit '' for part of the dispute they claimed they overcharged. ( Please see " Account information document attached ) On XX/XX/XXXX, I received a letter from Citibank explaining that these charges were not fraudulent, but rather in reference to the XXXX dispute. ( Please see " Reply from Citi attached ) On XX/XX/XXXX, I called customer service again. She informed me I could open a dispute. However, I am here going in circles with Citibank, trying to explain to them, since XXXX, that I already paid for the reversal of credit in favor of the merchant. They are now billing me twice and they deducted this amount from my auto-pay twice, as you can verify by the records attached.

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: 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:
XXXX ; XXXX and Transunion are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX. XXXX and Transunion are not reporting the following account In Dispute. XXXX XXXX partial account number XXXX. Transunion is failing to report the following account In Dispute. XXXX partial account number XXXX. XXXX is failing to reporting the following account In Dispute. OTHER COLLECTOIN AGENCIES partial account number XXXX. XXXX and XXXX are failing to reporting the following account In Dispute. XXXX XXXX XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, dispute letters and id documents went out to all three credit bureaus by the financial company I hire to build my credit. I have not received any communication from XXXX XXXX, Experian or XXXX. I called Experian and the customer service rep said that they had not received a dispute since XXXX. I was not able to get through to XXXX or XXXX XXXX but neither has responded to the disputes that were sent on XX/XX/XXXX, by first class mail. Please look into this matter and please let me know what you find! 

Warmest Regards, 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 2020-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I challenged some accounts that were showing on my credit report. Upon doing so Portfolio Recovery associates, LLC replied to me with a " Verified '' Letter showing a statement. I requested validation and verification via a reply and they went and sent me the same letter and information again which will be attached to the complain. I have not had any success getting accurate information. They also keep calling which I stop answering. Its getting annoying at this point. I'd like to see if you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good afternoon, In regards to my HELOC account with TD bank. 

XX/XX/2020- I had received email confirmation after applying for the forbearance. 

XX/XX/2020- shocked to see a late payment so called and made {$410.00} payment and representative said that the application should be approved before next payment. She said there is heavy volume and sorry for the mix up on their part. XXXX did not receive any late charge therefore indicating like representative said that the mortgage forbearance has been applied. 

A Monday in XXXX spoke with XXXX once I discovered my credit was destroyed. 

XX/XX/2020- spoke with XXXX XX/XX/2020- emailed XXXX and no response XX/XX/2020- submitted by mail TD bank 's Consumer Credit Report Dispute Form. 

XX/XX/2020- spoke with representative XX/XX/2020- spoke with XXXX TD representative had me under the assumption that my online application was approved from XX/XX/XXXX. Unfortunately, I discovered in XXXX around 100 point credit score drop. XXXX has resubmitted the back date request again ( XX/XX/11 was told denied because they said there was no evidence of me requesting the forbearance ), after XXXX did that in early XXXX. I have an email to prove it and a call that was made on XX/XX/XXXX talking about why did I have a late charge when I had applied for the forbearance. 

Respectfully

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Using cash app I was to purchase Bitcoin and then send it to this cash app address : XXXX I sent {$260.00} on XXXX and {$70.00} on XXXX to XXXX XXXX XXXX. He was supposedly the one who upgrades software for this job opportunity at XXXX XXXX. I was referred to him by a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/XXXX, I deposited a bank issued check from XXXX XXXX XXXX XXXX in the amount of {$250000.00} from the redemption of a CD at XXXX XXXX XXXX XXXX into my checking account at Bank of America. The held all of my funds except {$5500.00} until XX/XX/XXXX at XXXX, which is a Saturday and left the funds stranded at Bank of America until Monday, XX/XX/2021 thereby depriving me of earning interest on my funds being held of {$240000.00}. The flimsy excuse they gave me was that I " deposited checks totaling more than {$5500.00} in one day. '' Now come on!!! The bank issuing the check, XXXX XXXX XXXX XXXX is located not even one mile from the Bank of America location where I made the deposit. I know that Bank of America received the funds from XXXX XXXX XXXX XXXX, probably the very next day of my making the deposit. I feel that it is patently unfair for a bank to be able to tie up my funds for a week. I would like to know the date that the check from XXXX XXXX XXXX XXXX cleared their account and Bank of America received the funds from that deposit. This is unfair to consumers like me who are at the mercy of these huge banks who want to call all the shots. I figure I lost about {$20.00} in interest while Bank of America needlessly held my funds. I know that is a small amount of money but the point is, banking hold policy is unfair to consumers and should be better regulated. A bank check is a bank check.

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 2021-04-23
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
in 2019 BBVA BANK did not renew my card upon expiration. the reason for closing my visa credit card account that was never late was that i had a few cards max out around that time. i explained i am a business owner and i XXXX XXXX  and it is common for m debt to go high and then go back down upon closing a project and receive payment. 30-60 days prior to this decision by BBVA i also paid off a unsecured personal loan of $ XXXX that was open a little over a year .... i did bring this up to the rep making this decision and that did not matter. within the last 8 months they have disabled my account login which had an external business checking account attached so that i can make payments from anywhere since the BBVA BANK locations are not in all states or cities so that makes it difficult to make payments in person unless i am in texas. disabling my log in access has also restricted e from seeing my balance amounts and payment dates or minimum payments due. i am on hold right now for the third time today while creating this complaint with ftc because i can not reach an in states representative that can understand my attempt to make a payment. they keep repeating what i say back to me without resolving my payment processing issue and i have asked several times for an account supervisor or someone in the states to speak with. i am in XXXX florida this past 5 weeks and there are no BBVA branches in the city of XXXX or in the XXXX  florida area. the overseas call center in XXXX just leave you on hold or taunt you by reapeating and stretching out your call as long as possible. so i can not log in to pay my payment because BBVA disabled my login on my credit card that was closed by BBVA and i can not get an in states rep or supervisor to make a payment over the phone for a closed account. yet they want a late fee for a payment they make it impossible to make for an account they closed and blocked log in access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello this is in re : to Amazon {$16.00} Leg Loose Jumpsuit Romper due on XX/XX/2019 Amazon canceled my order for nothing, I paid for XXXX for XX/XX/2019 so Amazon needs to refund me the money back, -Amazon is going down because now they have resorted to underhanded things like selling my debit info to others companies-sad. 
Amazon claims to have {$30.00} in return funds in return products for me- I would need them just to send to me, most of their new workers can not speak English -this creates a new problem with billing if your staff can not understand, Once -I ask when the product was coming and the staff person - said if you don't like it-just return it. I knew then it was a language barrier going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For 8 months now, XXXX XXXX from Monterey Financial in  XXXX Ca has contacted both my personal cell and office phone repeatedly. Everytime Me XXXX calls is the amount of debt has changed and the threats continue. I have asked that MrXXXX but call and all communication Can be sent in Writing through Us Mail or Email. On XX/XX/2018 .. Mr. XXXX contacted my office phone again. I informed him that I was not able to make a {$9000.00} payment today or in a lump sum..he asked Why. I told him that I am a single mother of XXXX ... in which he replied.. didnt you have kids when you acquired this debt. I asked for his name and his supervisors name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: Old information reappears or never goes away

Complaint:
I have called the company they told me they would close it but if an account is closed why is it showing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have several cryptocurrency wallets on Coinbase since 2017.

Since last XXXX, Coinbase has restricted my account and won't let me trade with it, I can't buy, sell or withdraw my money to close my Coinbase account.

It continuously asks to validate the account and I have sent countless photos of my ID and driver 's license, but it is impossible.

I have opened numerous cases to Coinbase support but in none of them I have obtained neither answer nor solution.

Company response to consumer: Closed with monetary relief