BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: Gordon, Aylworth & Tami, P.C.
State: OR
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:
The caller violated FCC regulations by " installing '' a voice mail when I have a unknown number human test in place to preventing access to voice mails without announcing their name to a machine. This process will show a missed number so XXXX  can block the unknown number. Unfortunately, they used an illegal tactic to bypass calling and leave a voice mail directly. I am considering to pursue a class action. This is the first of such a type attack I have gotten on my phone. These vultures need to be abolished from the earth. 

Machine translated speech : XXXX XXXX is the name of the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I initiated an electronic payment from my bank ( XXXX XXXX ) to Synchrony Bank/Care Credit to make a payment that was due on XX/XX/XXXX. 

In the normal course of business, an electronic transfer should take no more than 24 hours to arrive at the destination. Based upon that, the arrival would have been on XX/XX/XXXX in advance of the due date. 

Synchrony failed to credit my account under the claim that they " do not credit accounts over the weekend '', I find this hard to believe and laughable as while they may not have been open to credit my account, they were open enough to assess a late fee. 

Additionally, the lender claimed that the delay in posting is something that they disclose in the terms and conditions ... as if disclosing unethical behavior somehow makes their behavior somehow ethical and acceptable. 

I urge this bureau to fully investigate them and correlate this behavior with other complaints and fines levied against this institution. It appears that {$250.00} million in fines is not having the desired effect as corrective action and more significant action be taking in an effort to correct their behavior. 

Finally, I would like to add my commentary to the request for comment on the Reg Z changes recently published : Banks should not and must not be allowed to make more money in fee income than from their interest rates that they charge. The level of fees banks are near usurious and the regulatory agencies have stood by far too long and not acting in the best interest of the People.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: PA
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 want a copy of my criminal background report from XXXX and Experian. Pursuant to Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. That means I am entitled to a copy.

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 2018-05-18
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
OnXX/XX/XXXX and XX/XX/XXXX I applied for an XXXX XXXX XXXX XXXX  card issued by Chase and was denied both times. As of XX/XX/XXXX I still have not been told why I was denied and have not received any information from Chase about what I can do to obtain that information. I have tried to call the number on my credit report XXXX but that number requires that you enter your 16 digit card number to get assistance and since I was denied I do not have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: MIDFIRST BANK
State: MD
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:
During XXXX, I was placed on the FHA COVID Forbearance program via Midland Mortgage because of income loss during the pandemic. I was told while on forbearance, therell be no negative reporting on my credit report. XXXX  forward to XXXX, I recently found a job that will help me pay my mortgage and was advised by Midland to apply for a partial claim to cover the balance thats in forbearance, in addition, while awaiting approval for the partial claim I will not be subject to negative credit reporting. I received the partial claim package on XX/XX/XXXX with a submission deadline of XX/XX/XXXX. 

On XXXX XXXX, I received notice from XXXX that I was reported for being over 120 days late on my mortgage. Please keep in mind that I was told continually that there wouldnt be any negative reporting during this whole process. So, I called the mortgage company to inform them of the issue and they said the decision to report the negative rating for the forbearance period was by the credit bureaus. They ( Midland Mortgage ) also said that they didnt send negative information for them to report. I contacted XXXX on XXXX XXXX and they stated it was Midland Mortgage that reported my account late. 

Unfortunately, no one is able to assist or willing to investigate the issue. Please see attached documents from Midland indicating forbearance and negative credit reporting protection.

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 2017-09-06
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
Barclays bank continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is XXXX. Barclays has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX  balance and has not provided that information to the credit reporting agencies. XXXX XXXX at Barlcays will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the response.

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 2022-09-02
Company: EQUIFAX, INC.
State: FL
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:
data sets related to inputting of accounts were not XXXX XXXX Compliant payment status data listed is mismatched, compared to other credit For the following hard inquiries : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TWICE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: OH
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:
Experian Is Reporting 9 Accounts On My Consumer Report With Multiple Inaccuracies. As Well As 15 USC 1681 Section 602 A. States I Have The Right To Privacy. And 15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions. I Have Not Given Them Written Instruction Nor Was I Notified Of These Accounts Before They Reported Them On My Consumer 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 2018-06-01
Company: Sherloq Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Company trying to reach me on a phone I share with my brother. Lady called was extremely rude and hung up on my brother. He called back and they refused to give him any contact information for me to contact them back. Refused to let him file a complaint within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but XXXX XXXX   refused to help me. 

It is unfortunate, but XXXX XXXX Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While XXXX XXXX may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.

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 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a Capital One customers for many years. The account ( My Quicksilver card ) in question I have had for two years, paying off my balance as I went. In XX/XX/2020 they decided to grant me access to credit limit as soon as I made a payment. In XX/XX/2020 they placed a hold on my account causing me to call in to speak with an agent. They advised the need to validate my bank account and to ensure all the payments have cleared since I made multiple like I always do. We called my bank to ensure all payments were cleared so they could remove the hold, which they did. I asked how could I avoid this in the future, did I do anything wrong? They advised no keep using the card as normal, which I did. XX/XX/2020, they placed a 26 day hold on my account which expires XX/XX/2020. I called and no one can tell why the hold was placed and no one can removed it. They covered the general criteria of why a 26 day hold would placed on my payments. The agent confirms my account did not meet the criteria and she couldn't tell me why it was placed. Spoke to a supervisor they said the same thing with the added if you make multiple payments in a billing cycle they can place a hold on your account, but for two years I have always done that. They need time for the payments to post, which I find it odd they need 26 days for payments to post to the account. I was told in XXXX I am a great customer, have access to your credit line when you hit submit on a payment. In XXXX, hey we have to validate your payments from your bank account, but don't worry now that we have done just keep using your card the same way. Now in XXXX, we have placed a hold for 26 days, we won't tell you why, the computer does it automatically, and no one can remove it. 

I am being treated as a criminal, the terms and conditions have turned into a weapon against me, and there is no way for me to fix it because Capital One doesn't want to fix it. On top of the that, my other Capital One card which I use in the same fashion doesn't have a hold on it. I have had that card for less time, they both have the same credit limit, but the Quicksilver is a rewards card. I was told to use my card as normal but being punished because Capital One is afraid to pay XXXX to XXXX cents of rewards to me, a loyal customer. I can say that with certainty since my other non rewards card doesn't have a hold at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX provided statements, but no signed contract between XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was recked and declared a total loss. The insurance company and gap insurance paid off the majority of the loan. Due to the pandemic the claim and communication between all parties involved suffered delays and lack of proper communication. The loan holder Capital one. Did not provide an accurate payment statement reflective of the final amounts due. As a result I believe they wrongfully reported negative marks on my credit report. The final amount due as provided by capital one statement was XXXX. XX/XX/XXXX. At the point i made 6 monthly payments of XXXX dollars. and never received a statement reflective of those payments. thus leaving me with no proper statement to base my final fees due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Accounts : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have violated my rights. 

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 2019-11-29
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2019, i received a collection letter from the office of so called agency MUNICIPAL SERVICES BUREAU, i have never heard of this entity or of the amount of the collection attempt, according to internet search this agency history is that of untrustworthy business practice and is currently in civil law suit procedures .. i have requested more information from them regarding their claim and now waiting on response. i should not be harassed for an illegitimate collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My edd account in Bank Of America was accessed by another person and transferred funds since XX/XX/2023. I have been reporting this to Bank of America but they keep denying my case to give back my money. I dont know why someone can access my account when I changed all the password and secret questions.

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 2022-09-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, has violated my rights. 

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 2021-11-29
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase closed my account without any sort of justification after I reported fraudulent transactions on their platform. 

For context, I was scammed into sending Bitcoin to a scam website called XXXX XXXX XXXX These transactions occurred via the Coinbase platform. 

I started investing about {$2200.00} in Bitcoin futures on XXXX XXXX XXXX in XX/XX/XXXX. This was transferred over to this fraudulent website through Coinbase ; I directly purchased Bitcoin from Coinbase to fund this investment. Each Bitcoin purchase on Coinbase came with transaction fees, which I estimate to be several thousand dollars. 

XXXX XXXX XXXX then charged me several fees to withdraw my money that amounted to over {$350000.00} that I purchased in Bitcoin through Coinbase. These fees are as follows : XX/XX/XXXX : A risk fee of XXXX % XX/XX/XXXX : A profit tax of XXXX % XX/XX/XXXX : A green channel fee of {$25000.00} XX/XX/XXXX : An exception fee of {$18000.00} XX/XX/XXXX : An XXXX XXXX XXXX XXXX XXXX fee of {$28000.00} XX/XX/XXXX : A handling fee for withdrawal of {$15000.00} XX/XX/XXXX : A XXXX XXXXXXXX  XXXX fee of {$25000.00} XX/XX/XXXX : A XXXX % profit tax, where they threatened to freeze my assets under a XXXX XXXX XXXX XX/XX/XXXX : A US Capital Gains Tax of $ XXXX  % XX/XX/XXXX : A processing fee of {$58000.00} XX/XX/XXXX : A late fee of {$74000.00}, where they threatened to freeze my assets XX/XX/XXXX : A high risk address deposit of {$100000.00} After paying all the fees, I was unable to withdraw my money. I then reported this fraudulent website to the authorities : XX/XX/XXXX : XXXX XXXX XXXX XXXX Sheriffs Department XX/XX/XXXX : XXXX XX/XX/XXXX : FTC via XXXX XX/XX/XXXX : Consumer Financial Protection Bureau XX/XX/XXXX XXXX  via Tips, Complaints, Referrals I reported the fraudulent transactions to Coinbase on XX/XX/XXXX. Coinbase, instead of cooperating and helping me to report the incidents to the authorities, froze my account making me unable to access any information. They then withdrew my remaining money into my XXXX account and closed my account on XX/XX/XXXX. 

This is completely unacceptable, as Coinbase was the platform in which I sent fraudulent transactions. Closing my account and refusing to cooperate with the relevant officials is not only suspicious, but also irresponsible as a digital wallet platform. Instead of being part of the solution for this fraud case, Coinbase has now become a roadblock to me recovering my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Comerica
State: TX
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:
Direct Express issued me a new debit card through Comerica Bank in XXXX, 2022. I received the new card because {$310.00} was taken from the account without my consent or knowledge. I have now not been able to receive deposit information for the SSI payment processed to be made monthly to the card. The social security administration has verified that the direct deposit information does not match a Direct Express account. I have tried to contact a live agent with Direct Express for 4 calendar days and I have not been able to get through their system. Their line disconnects because they have an overload of calls. I have also been locked out of my online account and I can't get through to their technical support either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: LEXISNEXIS
State: OR
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:
Please see attached response from Lexis Nexis. This company has been reporting to STATE LIENS, that belongs to someone else with the same or similar name. I disputed these with them and they did not remove the invalid information from my credit report. This is a total violation of FCRA. This is my last resort before taking it further and having a legal counsel involved. Also Attached to this complaint are copies of my IDs proving that these items do not belong to me or I am not the person they are reporting this lien for.

Company response to consumer: Closed with explanation