BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
I purchased a car-wash card from XXXX XXXX XXXX XXXX in XXXX last XXXX 2015, which I used until the fall when the business was sold to another company, which I was not told. When I drove into the car wash, I learned that I could no longer use the remainder of my prepaid washes. My car was inside the car wash so I had to pay again & was told that they will not let me use the rest of my paid washes. I want a full refund. I was a customer for 15 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 monetary relief
Consumer complaint received 2018-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/2018 While checking my credit report, I found a Capitol One card  on XXXX that does not belong to me. The following is from the credit report : CAPITAL ONE BANK USA Account # XXXX Original Creditor - Company Sold - Account Type Revolving or Option Date Opened XX/XX/2018 Account Status Open Payment Status Pays account as agreed Status Updated XX/XX/2018 Usage 93 % Balance {$9200.00} Balance Updated XX/XX/2018 Credit Limit {$10000.00} Monthly Payment {$92.00} Past Due Amount - Highest Balance {$9200.00} Terms M Responsibility Authorized User Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I. Capitol One a. I called Capitol One. They do not have any active credit card with my SSN other than my valid XXXX account. 
b. They were not able to identify another account under my name. 
c. Capital One gave me the following credit bureau number to contact : i. XXXX  : ( XXXX ) XXXX II. XXXX a. XXXX put a fraud alert on my account through the automatic system. 
b. When I got a live person : i. XXXX was unable to help me with the account. The person I talked to only had the same information that was available on my credit report. 
ii. He gave me the XXXX Dispute phone number : ( XXXX  ) XXXX and a follow-up number : ( XXXX ) XXXX iii. When I called the Dispute phone number, the person would not give me the full account number ; however, the last 4 digits are XXXX. ( XXXX ) iv. XXXX  is submitting this as a fraud investigation. They will contact Capital One as part of the investigation. 
v. They will mail a copy of the investigation results within 30 days. 
vi. They suggested that I file a police or FTC report for this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Coinbase, Inc.
State: KS
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 the 2021, {$500.00} was charged to my visa XXXX card to Coinbase I did not authorize. I have tried dispute with my bank and with Coinbase and have gotten no help my bank closed my account due to complaining about this issue they have a no buying cryptocurrency policy and they still allowed this transaction to be approved. I have no idea where my {$500.00} is and why no one will help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I recently applied for a mortgage with Bank of America ( XXXX XXXX, 2016 ) and was given a conditional approval. I satisfied all the conditions and proceeded down the mortgage pathway. I was then informed 10 days out from closing that the mortgage was now declined because BofA changed some of their numbers. I pointed out that the new numbers they were using were incorrect to no avail. BofA of course was able to ' '' find '' a path to an approval that would cost more money. As I was 10 days from closing and had ended negotiations with other brokers I agreed to the changes in hopes of closing the purchase of my home. Problems continued to arise over the next 10 days. I was finally informed that i would not be getting a mortgage with BofA on my scheduled closing day. All along in this process XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX ) assured me they would be able to get this mortgage done. That they were able to get this type of exception all the time. They were clearly doing the bait and switch by getting me in with a teaser low rate only to pull the rug out late in the process. My realtor warned me about using BofA and I should have listened. Several other mortgage brokers have since informed me that this is typical practice for BofA. Please investigate them and protect other consumers. I am also incurring significant costs as a result. I will need to pay more fees to another broker for documents/credit reports/appraisal etc. I also will need to pay additional money to the home seller in order to extend my purchase contract.

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 2018-11-20
Company: Experian Information Solutions Inc.
State: IA
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:
attached is a copy of the complaint that has been sent to experian twice they refuse to do anything

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 2020-08-21
Company: Experian Information Solutions Inc.
State: PA
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:
get credit inquiries off of 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 2020-07-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraudulent activity in my HSBC " Select Credit Account '' ending in XXXX. On XX/XX/2020, the perpetrator transferred {$6000.00} from my Select Credit Account to my savings account. On XX/XX/2020 a wire transfer of {$5500.00} from my savings account was sent to XXXX. This is XXXX  XXXX XXXX XXXX. I found out about this activity on XX/XX/2020 when I received an account statement in the mail. Previous to this date I did not receive a phone call, text or email from HSBC alerting me to this unauthorized account activity. My Select Credit Account has not been used for 2 years. Actions taken by me are as follows : XXXX ) XX/XX/2020 : Contact the Fraud Department of HSBC 2 )  XX/XX/2020 : Filed a Police Report with the XXXX County Sheriffs Office, XXXX XXXX, Florida 3 ) XX/XX/2020 : Submitted to the Federal Trade Commission Identity Theft Victims Complaint and Affidavit. 
4 ) XX/XX/2020 : Contacted XXXX, XXXX, XXXX  Credit Bureaus to place a Freeze on my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: BARCLAYS BANK DELAWARE
State: NY
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 reviewing my credit report and found 2 late payments on the dates below : XXXX 2018 I always make my payments to you when I receive the statements. The statement has obviously gotten lost in the mail and never got to me.

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 2018-06-21
Company: Experian Information Solutions Inc.
State: NV
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:
I have an issue with EXPERIAN. My credit records exceed 20 years and I have never had an issue with a mortgage, a loan or a delinquency, and I keep a very small credit card balance. I never paid late my credit card bills, since all my credit cards are on autopay and get paid in full before the due date. As my credit score at XXXX and other credit agencies are well above 800, my credit score at EXPERIAN has remained fixed at XXXX for years. I checked the records submitted by EXPERIAN and they all show that I always pay on time. I contacted Experian for an explanation, and I was told that they are using a different method of calculating the score than the others. However, when I tried to use EXPERIAN 's score simulator and configured it to simulate that I pay all my credit card bills on time, it updates automatically my credit score to XXXX. Since all the other credit score companies are showing similar numbers, there must be a glitch with EXPERIAN 's system that results in lowering my credit score. Since Experian does not want to do anything about it, I am kindly asking for your help to resolve this issue.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XXXX, I've been disputing a medical bill with XXXX from XXXX. I went through all the proper channels of contacting both companies but am not being heard. I contacted XXXX  recently via mail, phone and online for assistance with a medcial bill reflecting on my report that I advised I didn't owe. I've always had active medical insurance since XXXX ( as a freshman in college ), and I've never neglected a bill nor created one without the use of my insurance. I have documentation that insurance was available to me at the time of this medical claim, and that insurance could cover this entire bill had it been my hospital charge. 

I filed a complaint with XXXX  on not giving up " the burden of proof '' showing where this debt is VALIDATED. All I received ( see attached ) was a bill with the name on it. No signature form or any other pertinent information showing that this is indeed my debt. 

I am looking for assistance with getting this debt deleted since all debt validation attempts were not executed by the Credit Bureau XXXX  or the collection agency XXXX. 

I have attached all dispute correspondence of the past to see that proper measures were taken without proper reciprocation. 

I ask that this account is deleted from ALL bureaus starting with XXXX  due to their negligence of proper due dilligence to properly protect me as a consumer. 

Thank you, 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 2018-02-22
Company: STUDENT ASSISTANCE FOUNDATION
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Well I had this loan since 2011 for school.. I'm jus tryna get a lower payment to ensure future payments

Company response to consumer: Untimely response
Consumer complaint received 2018-11-20
Company: Nelnet, Inc.
State: VA
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 contacted both XXXX and Nelnet regarding this issue.

XXXX  conducted an investigation and despite verifying that they received false information from Nelnet on accounts that have been closed for over 8 years, they refuse to remove them from my credit report.

Furthermore, Nelnet continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now.

Both XXXX and Nelnet are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both.

The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to XXXX '', or " talk to Nelnet '', which I have done - repeatedly - with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint was not resolved XXXX. First Federal Control did not send ALL the requested documentation that I request for validation. Merely sending copies of a statement is not validation. Anyone can make copies! FCDPA laws are being violated and this complaint was sent to Attorney General Office. The documentation that was asked for was not provided nor did the documentation get sent to CFPB. In my prior complaint number XXXX you will see ALL the documentation I requested was not sent! This is my last attempt to rectify these erroneous accounts that first federal control has not validated and have put on my XXXX credit report. I take my credit serious and this is ruining my credit score and credit to the extreme. I am a victim of identity theft and no consumer should have to endure such foolishness! While in dispute this better be removed IMMEDIATELY! Send ALL the documentation that was requested!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a call from TransWorld trying to attempt to collect a debt from me for a bill due to XXXX. I had no idea who these people are and called XXXX to confirm that my account is in good standing. 

On XX/XX/XXXX, I received a letter for the first time in the mail indicating that I owe XXXX {$180.00}. I proceeded to call XXXX to find out and after two rounds of transfers and a long hold, another representative got some info and indicated that I owe XXXX for a bill back in XX/XX/XXXX but was not able to give me any further details due to their new system. I was told someone will call me back the same day and give me more details. I have since to receive a call back from XXXX nor do I know what this debt is all about. 

I moved to California from XX/XX/XXXXand moved back to Maryland in XX/XX/XXXX. I also  have a new XXXX account in my name about a year ago and they ran a credit check on my info. I am disputing this erroneous debt that they claimed to be unpaid in XX/XX/XXXX under my name when in fact I did not live in Maryland at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: AL
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: Problem getting your free annual credit report

Complaint:
I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around XX/XX/2013 when my X-Box was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's me.

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 2021-07-09
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX or XXXX of XXXX, we had to go on forbearance due to the COVID crisis because my wife 's company had to close. Once we were back up and running in XXXX, we talked with AmeriHome Mortgage about a loan modification. I filled out the paperwork, submitted it and start making my monthly payments for the trial period. Once that was complete, they never gave me any updates and advised there was no movement on my modification. In XX/XX/XXXX, I was finally able to get some answers after being on the phone with several dozen people and spending well over 80 hours of my time. They advised my modification was denied due to a lien on my title. I knew there was no lien on my title so I contacted my title company and they did a search and sent me proof of a clean title. AmeriHome never allowed me to protest the findings and simply closed the modification without notifying me. Since then I have spent well over XXXX hours on the phone with nearly XXXX or more different people to continually get the run around and no assistance to help correct this issue. So right now they won't even allow me to make my monthly payment until this is resolved. I have emailed, uploaded, and mailed the clear title and loan modification application 5 times and they are still asking for the application. I have been hung up on countless times and transferred to dozens of people who still can not assist. I have requested at least 20 times to speak with a supervisor to only be told they would put the request in to have them call because they can not transfer them and then never get called back. I have never seen a company operate in such a manor and to have such gross incompetence from everyone I have dealt with. I have also never seen a company not allow you to pay them what you owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has locked my account due to questionable transactions, requires me to send certain information before my account will be unlocked. 

While this might be good security, there were only 3 small transactions during the period they are monitoring and they are all authorized by me and totally legit.

The only issue is I can not now close the account, I simply do not use it that much and I can not close it until they get the same 4 pieces of information they want me to provide. Some of this is easy enough ( photo ID - but why? ), some not so easy ( bank statement ), all of this a project I dont have time to undertake.

Meantime, they have access to my banking and credit card data, I can not make any changes.

It us nearly impossible to reach a person to speak with, but I did get an agent who said sorry spoke to a supervisor who said sorry.

I just want to close this, too hard to deal with when there is an issue.

What can I do without giving them more information than they already have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I wanted to file a complaint about my background check saying that it isnt fair that I cant not work just for something that happened in the Past I am trying to change my life and whatever happened in 2016 with my charges I was just w the wrong people that i got blamed for so its not fair that Im trying to better my life and work so please just give me a chance i want to provide For my family I want to work so I can better myself and show others that it is possible

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