BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: CITIBANK, N.A.
State: CA
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:
XX/XX/2019 i received my statement with fraudulent charges. i called to resolve the issue. At which time I was told they would handle the fraudulent charges and close my card and send me a new card. I received my new card in XXXX. I then received another statement with fraudulent charges that were transferred over from the previous account. i called multiple times between XXXX and XXXX. I kept getting transferred to the fraud department back to the costumer service department to the investigation department. At one point in XXXX the investigative department said they would look into it but was never assigned to anyone. This entire time I kept making the statement that i did not want this to affect my credit score. They said they were making corrections. My credit score was negatively impacted and my credit limit was dropped from XXXX to XXXX. I called last week and the week before each time with the person on the only line stating to give it 7 -10 business days to get resolved. At this point I feel like I am being harassed and taken advantage of. At one point i was getting daily calls from a Robo call to pay the bill. I hope that all my calls have been recorded as proof of what I am being put through. My credit score has been negatively affected and I am now having to wait to start my refinance due to the hit on my credit score. I have been treated poorly as I would have expected that by this point I would have been assigned 1 agent to take care of these issues for me. Instead I keep getting different numbers to call at a later date.

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 2018-07-08
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Had an outstanding balance at coinbase and contacted them on XX/XX/18 to pay it off by transferring bitcoin to my account. Sent them an email asking if that would be a sufficient means to pay the debt owed and unlock my account. This was their response on XX/XX/18 Hi, XXXX. 

Thanks for getting in touch. 

Your purchasing ability is currently restricted due to an outstanding payment of $ XXXX   Please select your desired external payment method or deposit digital currency into your Coinbase wallet from an external source to at least the outstanding amount. You can select a payment method using this link : https : //www.coinbase.comXXXX   Once the funds are deposited in your wallet, our system will automatically reclaim the owed amount within a short time. If you would like to deposit digital currency, you can find your Coinbase addresses here https : //www.coinbase.com/XXXX Thank you for using Coinbase. 

Regards, Coinbase Support Regards, Coinbase Support At this point, I transferred the debt owed and a considerable amount more. 

On XX/XX/XXXX, XXXX XXXX  EST, the money was recieved. What was explained to me in the email is that it would automatically pay the debt off or in a short period of time. A day went by, so I called in to the support. He explained to me he could send me an email with directions to unlock my account. This is the email sent to me Hi, XXXX XXXX for your call today. 

I have checked that you have already done your part on receiving the funds for the payment of the balance. 

As I mentioned, your purchasing ability is still currently restricted since the funds are still under your wallet. 

Sorry, I will not be able to provide you a link for direct payment of the balance. I am working with a specialist to address it properly, we will be pulling out the funds from your wallet and lifting the restriction under your account. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Regards, Coinbase Support Team Another day goes by, still nothing. I called in again and got the same explanation " your situation has been escalated ''. Told them that wasn't acceptable. I already contacted them prior to all of this happening and now they are not holding up their end of the agreement. That was on XX/XX/18. As of right now there is over XXXX bitcoin in my account that is fluctuating and I have no control to get the funds out before the value of it decreases. I've sent in 3 more emails since, and nothing has gotten a response. Also sent a complaint to the better business bureau on XX/XX/18. 

I'm disgusted that a billion dollar corporation has the power to hold MY MONEY and keep it frozen out of my hands, when all I did was everything they asked me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reaching a debt settlement agreement in XXXX XXXX XXXX XXXX court, I commenced with the payments to American Express as scheduled. For the final payment, they applied my payment to the wrong account and commenced collections on that account as a result. I have repeatedly submitted check images, court discharge paperwork, records of all payments, and fulfillment of my debt to American Express directly, to all 3 major credit repositories, my credit counselling service ( XXXX XXXX XXXX  ), and to my legal counsel ( XXXX XXXX XXXX XXXX ) who claims to have confirmed the error with the opposing counsel at American Express. However, American Express has claimed a non-payment penalty every 30 days ( without sending notice to me ) for several years, reports non-payment and increasing outstanding balance to the credit repositories, and refuses to comply with the court ordered settlement agreement. My counsel doesn't respond to my inquiries. The credit repositories always find my requests for investigation in favor of American Express. With 3 years with a constant non-payment on my record, I have been denied refinancing my mortgage and increasing my credit limit with my remaining accounts multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: National Credit Adjusters, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with NATIONAL CREDIT ADJUST and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NATIONAL CREDIT ADJUST and XXXX XXXX with no successful resolution. There was definitely an error on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX, the debt collection agency XXXX XXXX XXXX XXXX placed a derogatory remark on my XXXX Credit Report that claimed I owed XXXX XXXX XXXX XXXX XXXX {$580.00}. 

This charge is alleged by XXXX - which has a XXXX XXXX XXXX in Florida - as a result of a visit by me to the emergency room at XXXX XXXX  Medical Center in XXXX, XXXX, in XX/XX/XXXX. 

I made that visit using my Veterans Administration health benefits card, as vets were told that we could get emergency services at the XXXX XXXX using our VA benefits card. 

Several months after the visit, I suddenly received a bill from XXXX for {$580.00}. When I wrote XXXX to inquire what that charges were for, the response came that it was for services of their doctor during that ER visit. Their doctor took 10 minutes to review my symptoms and wrote me a prescription for XXXX XXXX. That is ALL he did. 

I wrote XXXX and gave them the address for the VA in XXXX to send the bill there. I got a letter of response ( attached ) from the VA saying they had settled the bill with XXXX, and by law, XXXX could no longer pursue any further collection of money from me for that ER visit. 

I wrote XXXX with a copy of that letter from the VA, but they persisted in their collection efforts, turning the matter over to XXXX XXXX XXXX XXXX. Despite my attempts to report this erroneous derogatory remark to XXXX, XXXX XXXX XXXX XXXX continues to refuse to remove this false derogatory remark from my XXXX credit report. 

No further money is owed to or will ever be paid by me to XXXX XXXX XXXX or XXXX as a result of one ER visit four years ago that the VA settled. 

Because of this attack on my credit, I no longer have tried to obtain medical support from the XXXX XXXX and now have to drive 80 miles one way to XXXX XXXX, FL., to get ER support from the VA hospital there. 

That my credit report is still being damaged by this false derogatory claim is an injustice to a US Veteran who lives on a fixed income on Social Security supplement by a part time job at age XXXX. 

I do not owe XXXX {$580.00}. XXXX XXXX XXXX  should be required to remove this remark from my XXXX  credit report and from any other credit report they have attached it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts do not belong to me. I am requesting that they be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: JPMORGAN CHASE & CO.
State: CA
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:
I am a California resident and hold a personal checking account and a business credit card account with Chase Bank. I tried to use my business credit card on XX/XX/XXXX at XXXX, but the card was declined. I logged in to online banking to check my card 's account status, and was shown a message that the account is closed. I asked customer service via secure message, and I received the following response from " XXXX '' : XXXX, you account was closed due to bank policy. I apologize for the denied charges. To discuss the rea son for closure, we must speak with you directly. Please contact Customer Service at the number listed on th e back of your card. 
I regret to inform you that the open to reopen your account ending in XXXX is unavailable. You can apply for the new card online. To submit a new credit application, please visit our website for the most current offers and terms available. You can find us on the web at : https : //creditcards.chase.com Several days later, I received a letter dated XX/XX/XXXX, stating : After careful consideration, we decided to close your credit card account on XX/XX/XXXX, because of unexpected activity you conducted on this or another Chase account. 

I also received a letter in the same envelope that says that my checking account will be closed on XX/XX/XXXX. 

I called in to customer service and spoke with the compliance department ( s ) on two calls, one for the checking account and one for the credit card account. The representatives " XXXX '' and " XXXX XXXX '', would not provide more information on what happened or why my accounts were closed. 

I am not aware of any violations of the contractual terms, nor am I aware of activity that would be considered unusual or unexpected on these accounts. 

On information and belief, this appears to be a violation of the California Song-Beverly Credit Card Act of XXXX. There may be other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: VI
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:
There are numerous hard inquiries reporting on my credit report that may be that of someone else. I have written to all three credit agencies asking them to validate them but they have not done anything and these hard inquiries continue to destroy my credit. The only ones that I know of are a auto loan inquire from XXXX XXXX vi in XX/XX/XXXX, a hard inquire from XXXX XXXX XXXX XXXX, and one from XXXX XXXX XXXX XXXX and the rest are questionable. These are being reported by XXXX, Experian and 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 2020-08-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Since approximately XX/XX/2020, the company HRRG or Healthcare Recovery Group has been calling my phone with an automated system in an apparent attempt to collect a debt. When I speak with them, I am informed they have no information on me or my telephone number. I currently have no outstanding debts and have no idea why this company is calling me. These calls occur almost on a weekly basis. I have ask them to stop calling and to remove my number from their system. They assure me they have taken the number out of their system yet the calls continue. I have filed complaints with their company, the state and the XXXX. The calls continue. I am asking the CFPB to assist in making this unwarranted And unwanted harassment stop.

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 2021-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account and they agreed to delete it from my credit reports. I already settled the account. Upon my conversation which resulted in payment, I was assured that the account would no longer report to my credit bureaus. 

My family is dealing with a lot of problems lately including a lease that will not be renewed so I am trying to purchase a home but I am unable to move forward as a result of PORTFOLIO RECOVERY ASSOCIATES placing this collection account on my credit report. My credit scores have dropped by over 60 points as a result of this one paid closed account. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I communicated directly to Midland Funding LLC. I never received any response from them when I asked for verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date opened XX/XX/2010 XXXX Credit limit This account was not me so can you please remove this from my credit report 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 2018-03-28
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, death threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXXXXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXXXXXX XXXX credit card accounts. XXXX XXXXXXXX XXXX  is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXXXXXX XXXXk credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong 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 explanation
Consumer complaint received 2021-02-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ok so this is the third complaint After reviewing an email sent to me I have found that the insurance that Huntington has used to pay for the damages done to the home does not cover my detached garage that has damage done to The issue is that the insurance I signed for and Huntington messed up at the time of closing would of coved my garage so now bc of Huntington my garage roof has damage and isnt being cover because of their mistake Second issue the deductible for the insurance I signed for at closing was I think XXXX $ Well the insurance that Huntington used is 2000 $ so I lost XXXX $ because of Huntington Third problem My ceiling has water damage from the roof leak and it is not being cover bc the inspector said that occurred over time It it took forever for Huntington to figure out that they messed up and send an inspector out so while all this was happening my roof had damage that I personally went up and slowed down with tar to try to save my house Fourth I call and call and call and never get a call back Ive called XXXX XXXX XXXX XXXX XXXX XXXX XXXX All today and left messages Ive called XXXX 3-4 times in last two weeks and no call back Ive called her a few times over the last few months and no call back So when it says the damage occurred over time its not me at fault its the people never responded to my calls and Im tired of it All the money Huntington is going to make on the loan at 4. Some percent and they cant even fix their mistakes in a timely manner its disgusting how bad the treatment is being a customer I should of known not to use Huntington when I had issue before even buying the house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am trying to clean up my credit report from an injury i had in XXXX. I notice there is a creditor LVNV funding linked to a XXXX XXXX Credit card i have no memory of. I saw original debt was XXXX which is when me and my child 's mother split up. I originally disputed it stating it belonged to my ex. because i do not believe I ever received that card. She is still at same address as then. I just had forgotten about it. XXXX XXXX I sent them a letter asking for proof, a signature, anything with my agreement. They sent me back a court document from the county i live and it appears they got a judgement on me for the amount owed and its funny how it goes up by a random numb er at strange intervals. I was never supenia 'd - i was never advised of this court date or of this debt for that matter, whenever i call they are rude. After coming here It appears i am not the only one - LVNV has a history of scare tactics to get dirty money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Transunion, XXXX  and XXXX  regarding some collections on my credit report. 
I started sending letters on XX/XX/XXXX and then another on on XX/XX/XXXX, XX/XX/XXXX, I have yet to get a response, The only thing that shows is that my account is in review on all three credit bureaus. I have asked for verification, not one letter was sent back verifying these alleged collections. However its going on 4 months and the items below are still listed as verified.

On my XXXX  they even listed collections two and three times. 

Transunion XXXX XXXX XXXX - Open balance {$2800.00} XXXX XXXX Open balance {$820.00} XXXX XXXX XXXX Open balance {$530.00} & {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX Open balance {$520.00} XXXX XXXX XXXX Open Balance {$220.00} XXXX  XXXX XXXX XXXX Open Balances {$2800.00}, {$20.00}, {$18.00} XXXX XXXX Open Balances {$540.00}, {$350.00}, {$200.00}, {$180.00} {$95.00} XXXX  XXXX XXXX XXXX Open Balance {$14000.00}

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 2020-05-13
Company: Experian Information Solutions Inc.
State: CA
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:
AT THE LAST MONTH I AM CALLING DIALY IN AN ATTEMPT TO GET A HOLD OF A LIVE CUSTOMER SERVICE. BUT UNFORTUNATELY, ALL MY ATTEMPTS WERE UNSUCCESSFUL. I AM ALSO NOT ABLE TO CREATE AN ONLINE ACCOUNT WITH EXPERIAN IN ORDER TO DISPUTE A FEW CREDIT ERROR. 

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