BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: MIDFIRST BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Through CFPB my XXXX checking account was successfully reopened back from XX/XX/21 complaint XXXX. 

I qualified for the {$250.00} Direct Deposit Bonus as well as the {$25.00} Savings Goal bonus once my account had been reopened. I never received the bonus and my account again was closed but this time due to inactivity. 

I spoke with XXXX XXXX, XXXX line Support Team Supervisor, ( XXXX ) XXXX back in XXXX about the {$270.00} bonus I never received and was told by him there had been many errors on numerous accounts regarding the bonuses not attaching to the account and my account was one of them. Since my account had been closed for inactivity, whereas it had been active since I made several direct deposits into the account ; he apologized for the mishap and said he would have a check for {$270.00} cut and mailed to my home since it could not be placed into a closed account. He also said he would get back to me within 72hrs and if he did not for me to contact him directly. 

Unfortunately, he never contacted me back and I have attempted to contact him and leave messages on his voicemail several times in regards to this matter ; I still have yet to receive a callback nor the check for {$270.00}. I have also contacted the customer support line twice since my failed attempts of contacting XXXX. I first spoke with a young lady named XXXX XXXX who said my check was on the way. This call took place back in XXXX and here we are in XXXX still no Check. I called again today and spoke with another customer support team who tells me they see everything in the notes regarding my account and the {$270.00} should be sent to me but XXXX XXXX is the only one who can handle it. The CSR said he would email him letting him know I am still waiting for this situation to be resolved and a callback from XXXX. Still no call back and I personally don't think I will receive one. 

This is very disturbing and has been a long drawn process to receive what I earned. 

Please help. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was contacted by Caliber Home loans associate named XXXX in the re-finance department she wanted to go over some options for a possible refinance she told me that she would just be Checking rates to see if it was possible to lower my payment I asked her twice if she would be pulling my credit report report and she said No because is not needed to check rates I know that to be true because I spoke with XXXX XXXX XXXX XXXX and did the same thing and they did not pull my credit. she never once stated or ask me for my permission to pull my credit report I woke up this morning on XX/XX/2019 and my credit report has been pulled a Caliber Home Loans without my consent. I know thats against  CFPB rules

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Purchased a ticket for a show through paypal. Found the user through XXXX event page, and communicated with user via XXXX XXXX. 
As soon as payment of {$19.00} ( {$19.00} ticket, {$0.00} paypal fees ) was sent through paypal, the recipient 's XXXX account went missing and I could no longer contact the user. I assumed payment would be protected through paypal, however paypal unwilling to protect this payment as it was mistakenly sent through 'friends and family '. I was distracted at time and through payment was sent as 'goods and services ' - something that seemed correct in my review before sending payment given there was a fee for sending this transaction. 

User clearly has email address ( XXXX ) linked to paypal account so hoping sending here will stop them from ripping off other people. Paypal unwilling to investigate this user - even though it CLEARLY should be there responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Spring Oaks Capital, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring Oaks Capital , LLC ( Debt Collector ) on XX/XX/2021, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, and a proper investigation was done, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under 15 U. S. C 1681 Section 602 A. STATES I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the XXXX inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/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 2022-03-18
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The list of accounts below was violating my consumer rights to privacy and confidentiality under FCRA. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX [ only reports to XXXX ] XXXX No creditor name XXXX [ only reports to Equifax ] According to 15 U.S.C. 1681 section, 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
Reporting information that you know is inaccurate or incorrect, violates the FDCPA and Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I bank with  XXXX  and deposited a check by my neighbor on the mobile app it showed depositing into " account/routing # '' so assuming it was my account # I used it for my direct deposit form for my new job. On  XXXX  my check of {$ XXXX } was deposited into my neighbor 's account for Bank of America because of the glitch on the mobile app. I called Bank of America and the first person went into the account and said it was deposited and to go to the neighbor and get My money back. My husband called again to see why the account was n't verified and the  3 ba nk of America employees/Managers said they do not verify names  or SSN for  direct deposit. We called the BBB and they said that is incorrect so we called Bank of America back and they said BBB are liars. No one was willing to help us not even willing to inform their customer that their account was added funds incorrectly. My neighbor is a good guy and is out of town any money he spends that is mine can and will be fraud.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

15USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information of any adverse item/s of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inacurate.

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 2018-06-04
Company: Worldwide Processing Group, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am getting constant phone calls from a company named -forward movement recovery, daily. They said in a voice mail that they will start calling friends, relatives and work if I didn't call. I called a number listed in XXXX Louisiana. They use local areas somehow even though they are calling from somewhere else.the number wasXXXX this is Fraud. They told me XXXX XXXX and XXXX wanted XXXX. I admit, I had pay day loans, but went thru XXXX XXXX XXXX and paid the amount required to satisfy the loan. XXXX was my REP. The number is XXXX don't owe anything. I get calls at work, on my cell etc ... everyday from different numbers stating local areas I was told by the rep that even though I paid for this years ago, these companies still sell my accounts to collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Two Bank of America credit cards were applied for in my name by an unknown person. They denied the first one when I told them it was fraud, but approved a second application 11 days later. They have since closed both accounts. These incidents occurred on XX/XX/22 and XX/XX/22.

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 2021-10-14
Company: EOS Holdings, Inc.
State: FL
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:
Have no record of XXXX XXXX account being past due or sold to EOS. No validation of debt or even documents that support the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
ATTN : XXXX XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, and TransUnion consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/XXXX  Acct # XXXX ( Transunion ) XXXX ( XXXX ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2020-12-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have reported this to the XXXX  and they suggested I follow up with the CFPB.. I don't know what else to call this other than this company is a complete fraud and should be treated as such for how they treat their customers. I have been working with a Crypto Currency company called Coinbase. I have many questions and concerns and there is no support team whatsoever. Any time I have filed for support their email is no longer operational or I receive automated responses that someone will reach out to me, no one ever does, but I get a " How did we do? '' email from them. I have a lot of money invested in cryptocurrency and for a company to be completely and utterly absent is not only completely wrong but no way to do business. There is 0 explanation, 0 feedback, 0 support... how am I supposed to conduct business and now even remove my business when there's no information or support on how to do so. My hands are tied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: KY
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:
There are many mistakes appear in my report without my understanding.

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 2020-06-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the early XXXX, I opened an American Express credit card for my brother-in-laws travel agency. The card was used for this travel agency and no personal purposes. It was on auto-payment from a checking account which was closed. My brother-in-law told me he closed the card over 10 years ago, so I havent thought anything about this account. When I went to co-sign for my cousins student loans in XXXX, I was informed that I owed American Express this money. I had no idea as I never received any letters in the mail or any type of notification whatsoever. If American Express was trying to send me letters, I did not receive any at my only mailing address. Since no letters were mailed to my mailing address, I had no way of knowing if I was trying to be contacted. Turns out that the account was never closed as it would have been impossible for my brother-in-law to close it as he wasnt the account holder, only I was. I had no idea that this was happening though. A letter was written to American Express explaining the situation and we are awaiting a response from them and have been back and forth with them since XXXX. I spoke to someone at American Express and was told that even though I didn't put any charges on the card, the membership fees were continuing to be assessed and can not be rescinded. The card wasn't even being used! The account was charged off in collections and has now hindered my borrowing ability. This is a situation that is out of my control. I should not be held accountable for this as the card was never in my possession and no charges were made, it was only membership fees being assessed. 

As an aside, if anyone were to go back and look at my credit report, all of my lines of credit that I've taken out in my XXXX  years of life have been paid on time. I would never let an account be late or go to collections. This situation is not only ruining my life, but the lives of those who I wish to help out. At XXXX  years of age, I don't even know if I'll be alive in 7 years to see this situation go off of my record. Thank you for your attention to this matter and I hope the CFPB can be of help.

Company response to consumer: Closed with explanation