BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Around XX/XX/2021, my Coinbase/Coinbase Pro account was restricted from buying and selling any digital currencies that I was holding ( XXXX, ETH ). I was holding on roughly $ XXXX {$7000.00} in value prior to the decline in price so was trying to sell however Coinbase restricted any attempt. Even worse, I had USD in my account that I attempted to transfer out after they restricted my account. Any attempt to transfer out my own USD resulted in a canceled transaction. The only USD transfer they allowed was moving from Coinbase Pro to Coinbase but my funds are still locked in Coinbase. 

I submitted my first ticket XX/XX/2021 and submitted tickets every two weeks with no response. I reached out to @ coinbase_support on XXXX and actually received a reply on XX/XX/XXXX. However, there was no update since. It is currently XX/XX/XXXX and my BTC/ETH/USD are still locked up in my account. I need it unlocked so I can access my own funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2019 Experian received a notice from me that a different name a social security number variation and incorrect address was on my credit report. I asked Experian removed all address, extra social security numbers and any names that where wrong on my credit file. I showed them proof of my social security number and Maryland State Drivers License which clearly state my name as XXXX XXXX   XXXX and address. All these name mismatch is fraudulent and continues to help people commit fraud using my personal social security number. I own several rental properties and someone is using my information. I disputed this before any they removed now it is back. Please remove all these incorrect names from my credit report.  Report 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 non-monetary relief
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: MS
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts  XXXX XXXX XXXX****, XXXX   XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX**, XXXX    (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX**** , XXXX XXXX XXXX  (Original Creditor: SXXXX XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
PHH MORTGAGE WAS SERVICING A LOAN IN WHICH THE MORTGAGE COMPANY AND BROKER STOLE XXXX FROM ME AFTER CLOSING! THE LOAN HAS NOW SINCE BEEN PAID OFF WITH ANOTHER FRADULENT LOAN!!! PHH NEEDS TO REIMBURSE ME FOR THE MONEY THEIR BROKER STOLE FROM ME AND MY ATTORNEY FEES!!! ALSO THEY SHOULD NOT DO BUSINEES WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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 don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: JPMORGAN CHASE & CO.
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:
XX/XX/XXXX - Noticed a pending fraudulent transaction while reviewing my account disputed the transaction with Chase for {$2600.00} and onward until the new card was issued. 

The claim was pending and eventually was denied. Chase reported to me that the claim was denied due to them not being able to recover the funds and also prove the fraudulency. I advised them that I did everything on my end, starting with notifying them on the XXXX after the {$300.00} charge from XXXX smile and giving times and any information I could to help the case. 

Chase violates their own terms of service, which is their : XXXX XXXX XXXX You wont be held responsible for unauthorized charges made with your card or account information.

As well as the Electronic Fund Transfer Act ( EFTA ). If the consumer reports the loss or theft after someone used it, his or her maximum liability depends on when he or she reports it. If the report is within two days of learning of the loss or theft, the consumers is not liable.

I have done everything on my part and notified them in a timely manner however they are refusing my claim and asking for evidence that no account holder could reasonably have. They have stated that there are inconsistencies in my claim stating that I was aware on the XXXX which is inaccurate and also that only the claim for {$2600.00} was put through this is also inaccurate as I notified them all transactions after the XXXX smile were fradulent. 

Here is the call history I have, I have spoken to more supervisors than these and they all consistently are saying the same thing and when I continue to fight my case they hang up on me. 

XX/XX/XXXX - Spoke to XXXX XXXX XXXX Spoke to a gentleman with Chase XXXX Spoke to XXXX XXXX XXXX Spoke to XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Nelnet, Inc.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
have sent 4 dispute letters over the course of 5 months to Equifax disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 
ACCOUNTS ( XXXX XXXX XXXX - XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) [ XXXX XXXX - XXXX ] ( XXXX XXXX - XXXX ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was involved in a settlement and I never received my part of the settlement.

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 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Some one applied for a credit card in my name for XXXX XXXX  and capital one in the past month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I received a credit card from Capital One in XXXX and paid fees for an alleged debts that were fraudulent until XXXX. I dispute the debt with the credit bureaus, it was removed from my credit report. I then ordered Capital One for all funds paid in error to be reverted back to the party from which they came in a check paid to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My score with TransUnion has dropped XXXX points without explanation. I attempted to contact TransUnion directly by phone and the representative stated that nothing was showing up on my record that would indicate such a drop in score, could not offer an explanation, and told me to contact a credit advisor at my local bank. 
Per attachments per XXXX XXXX the only two accounts showing actually decreased in balance owed. My other score with XXXX  increased. TransUnion did not provide a satisfactory resolution to this matter.

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 2023-05-02
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX bank gave my information to a law firm then sued me in hopes to garnish my checks, they have portfolio recovery calling daily 1-2 times a day, as well as law firms from Citibank as well, the debt was from XXXX  if I remember correctly, i broke my hand not long ago and I can not pay them back nor take the amount of stress that I have been for the last few years, Im at my breaking point. They fooled me into paying them with a check XXXX dollars if not legal action was going to happen and i dont know anything about credit laws so I believed them until I was told it is illegal and I just want to fix my credit and be at peace after all the countless things that have happened in the last 2 years..

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 2018-02-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I close in my home ( XXXX XXXX XXXX, XXXX XXXX Florida XXXX ). 
Attached all documents related to this closing of my home in XX/XX/XXXX. 
I moved many times after I sold the house and somehow I continued paying the bill thinking that I owed them after the closing. I stopped paying the bill as soon as I contacted the Title company and they sent me the copies of the cancel check. I contact Chase in XXXX and sent them all the documents of the closing. I tried to talk to them at that moment but they know how to harass but they never gave me feedback or anything to resolve the situation. Suddenly, they stop harassing and sending letters. I thought that this was resolve until I receive the 1099-C. 
Yesterday, XX/XX/XXXX, I called the phone number that is on the letter received XX/XX/XXXX ph:XXXX x. XXXX XXXX XXXX and sent for the second time all the documents via fax ( XXXX ). Today, I called to follow up and verified that she receive the info. She confirmed receiving the documents and also she sent a dispute notification to research about this claim. She stated that I should call them back in two weeks or so. 

I dont think anyone should go through all this if this was paid off. 
I want to report Chase with address : XXXX XXXX XXXX, XXXX CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ).

I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me ( XXXX  ) and that was denied because I do not reside there.

I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this resolved since XX/XX/XXXX. 
The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I CALLED XXXX, EXPERIAN AND XXXX SEVERAL TIMES ( TO REMOVE THE FRAUD ALERT FROM MY CREDIT FILE )

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 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX i requested I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


on XX/XX/XXXX i requested I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: SYNCHRONY FINANCIAL
State: PA
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:
This company is the WORST I have ever experienced. 

They STILL after 8 months have not been able to identify the problem with logging in with my account to make it easier on my life. 

I have wasted HOURS of my time and STILL NO RESULTS. 

No one has sent me any information. No one has reached out to me. All they have done is wanted their money. 

Customer service rating ZERO out of 100.

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 2019-03-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian failure to remove XXXX XXXX from report : this is not a request for an validation or investigation on this account the ACVD { 15 U.S.C. 1681-2 { b } you received the automated out come to remove this account just like the other credit  reporting companies please so so now NOTE if any account is Modified or deleted a carbon copy is sent to each CRA please remove account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX , XXXX . 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my report, I noticed that this account is still on there, and it was supposed to be deleted. I further notice that the information that is reporting on there is incorrect and not accurate at all. 

Account was paid off in full, but they didnt state that it was paid. This account was to be completely deleted. It not showing not the report a few month ago Now it is back on was also supposed to be deleted. 

I have also noticed that it states that the company claimed this as a loss of assets which means they receive compensation for it and now its trying to make me pay again to receive double compensation which means this is a fraudulent claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Affirm 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: Account status incorrect

Complaint:
Affirm is reporting XXXX collection accounts. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached. 

Affirm is reporting XXXX accounts as 60 days late. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Midland Funding LLC filed a suit against me in XX/XX/XXXX. They claimed that I owe roughly {$1200.00} in a debt collection effort dating back to XX/XX/XXXX. They filed the suit in XXXX XXXX XXXX, Indiana, a county where I do not live. I have never lived at the address claimed in the suit and do not even know where they obtained that. All documents/subpoenas were mailed to address of where I do not live so I was levied a default judgement in XX/XX/XXXX. The only document I have ever received was in XX/XX/XXXX, and it was a motion for change of lead counsel. So following 1 year and 8 months this was the only attempted communication concerning a lawsuit. 

I live in Colorado and even their own evidence submitted to Indiana Courts contained my current address in Colorado. Midland Funding and their attorneys had my address readily available but still chose file a suit in a state of which I do not live and sent documents to an address I have never resided in. I believe they attempted unfair practices to collect a debt by knowingly filing a suit in a state I do not live and where the debt did not occur so they could obtain a default judgement and hope that I would not fight it. As shown by federal case XXXX XXXX AL. V. MIDLAND FUNDING, XXXX ET AL. CONSUMER ACTION, this is a common tactic done by Midland funding and the fine levied in the lawsuit against Midland Funding did not deter these kind of tactics.

Company response to consumer: Closed with non-monetary relief