BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I was cyber hacked and was notified by XXXX XXXX after the faxct once i started multiple disputes of identity fraud including XXXX  XXXX then equifax said i was a victim of cyber incidemt on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its funny that a company that I have been with since XX/XX/2002, and am still a customer they have me as I owe XXXX XXXX dollars

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 2021-11-09
Company: Paypal Holdings, Inc
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I kept receiving an e-mal that I believed a SCAM to gain access from PAY PAL and reported it but the scam keep comming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
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 had two credit cards with HSBC credit card services ... ..one of which HSBC for some reason showed I had a XXXX balance online for several months, only to reportit as charged off, in which I contacted them to inquire, and they made an error on their part, and said they would fix the credit report error and restore the account so I could continue making payments. I attempted to log in and was unable to setup payments, sent them an email, only to have them AGAIN report it on my credit as a charge off. Contacted them AGAIN, only to have them admit error again, and they would correct everything, in which they sent me a response issue was fixed, I log in to my account to attempted to make a payment AGAIN, and unable to do so, and I send them another email advising I'm unable to setup a payment online, and a few days later, again they reported a charge off on my credit report ... ..to which I sent them an email, and haven't heard back at all.. 
I have all email correspondence, screenshots showing the balance was XXXX for several months, and screenshots showing records on the same account showing it was charged off three times within 6 months. I'm currently seeking legal counsel as this has impacted my ability to apply for credit to purchase a home, and caused multiple credit cards to increase my interest rates, causing me further financial stress, which has caused stress, resulting in XXXX XXXX XXXX and several trips to the hospital with the cost of prescriptions, and potentially damage to my long term health as a result. I don't care how many of the best lawyers they have, I will unleash this information on every media outlet online and post names of the individuals from emails who said they would fix the issue but failed to over and over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a notice of credit adjustment from Citibank dated XX/XX/ 2018 as part of a class action lawsuit. The account in question has since been closed and I was instructed to call the number listed on the letter to get help with receiving my refund. When I called them they gave me another number in order to retrieve this refund from a closed account which led to me being routed to several different departments over several days. Finally the last department I was instructed to call today was out to lunch. I called back as instructed and I waited on hold for about 30 minutes before I decided to use the option to leave a message for someone to call me back. The message stated the mailbox is full and can not accept messages. I cant get a hold of an actual person to help me get my refund issued.

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 2017-11-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX, XXXX XXXX disbursed {$16000.00} of a private student loan with them so I could pay tuition/room/board at XXXX XXXX. 

After six years of being a student, unemployed and/or underemployed, I 'd missed enough of my {$300.00} a month payments they were in danger of default. 

Exactly what they are being sued for in PA is what they did to me. 

They called all day, every hour of the day, multiple times a day, even when I was working or in school, my mom too because she cosigned. They threatened and harassed us until I agreed to a forbearance. 

Rather than allow me to lower my payments to more realistically match my income, through an IBR, or ICR, XXXX XXXX pushed me to do a forbearance and explained it as my only option. 

XX/XX/XXXX my forbearance was approved. 

I eventually got a better paying job and was able to make payments, but {$13000.00} in payments on a {$16000.00} debt somehow left me with {$25000.00} in principal and interest still left to pay??? This is as of XX/XX/XXXX Private student loans should n't be allowed at 11 % interest rates and XXXX XXXX/Navient is being rightfully sued for denying struggling borrowers any option except for the one that guarantees XXXX XXXX the most money. 

Federal student loan borrowers should n't be the only ones protected. 

I paid off my federal student loans first because they were smaller. 

I did n't understand the difference when I was XXXX, nor did I even sign any of the paperwork at all, it was all " done for me '' by my equally clueless mother who I should not have trusted with my financial future. 

XXXX XXXX raised tuition 25 % every year I was in school, I could n't even afford to finish. 

I ca n't imagine how much worse other students have it now, who took the plunge and financed all 4 years of school. 

I even worked every summer, XXXX XXXX XXXX XXXX XXXX 80 hours a week, and the checks were still just a drop in the bucket. 

Living expenses and college are way too much, especially in California, and XXXX XXXX took advantage of students with their predatory lending practices. 

Students be warned, take your business else where. Do not sign anything with XXXX XXXX/Navient!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. XXXX # XXXX If account can't be VALIDATED it must be removed

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 2018-01-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. XXXX # XXXX If account can't be VALIDATED it must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
hi, This complain is against COINBASE.COM, a currency exchange. 

I have opened the account in XXXX and deposited money to purchase digital assets. Since then I was only able to use just a couple of time it's locked most of the time with a message ACCOUNT UNDER REVIEW. I have a few XXXX worth of asset in the account and it does not allow me to withdraw, sell or let me perform any other transactions. It's been a few months now and I need my fund back. 
I have opened several support tickets but support tickets are closed without unlocking my account as if they are programmed to close the ticket in a week or so. 

I have list of about XXXX to XXXX tickets unresolved and still have XXXX active. 

Being in US this is the first company I have dealt with where there is no Human live customer support. 

I am frustrated and need attention asap thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My private student loan was originally for {$23000.00} taken out in XXXX. The interest capitalized upon my graduation XX/XX/XXXX. I have paid in total {$33000.00} back to my lender, however, my principal loan balance is only now down to {$21000.00}. I have asked Navient several times what I can do to pay off this loan faster and if they would work out a deal with me because I have already paid back enough to cover the original principal and original capitalized interest. They constantly say there is nothing that can be done. I am in the interest reduction program already, but I really want to close out this private loan as soon as possible. Its frustrating knowing Ive paid back all I owe and the capitalized interest and yet I still owe Navient over {$21000.00}! Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
On XXXX report, it shows that XXXX XXXX XXXX that I owe a balance of {$310.00}. The alleged account also states that it was closed XX/XX/2013. I have no knowledge of this account. Also the alleged account was closed over 5 years ago and needs to be removed from my XXXX report. After the account is removed please send me another 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 2017-10-25
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: Information belongs to someone else

Complaint:
TransUnion claim to verified these accounts attached in this report yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of  receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et  seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. Trans Union, LLC ( n.d.ill. 2004 ), I therefore  request a block of these accounts according to Section code 605B Block of information resulting from identity theft ( 15 U.S.C.1681c-2 )

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 2020-05-09
Company: EQUIFAX, INC.
State: KS
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:
I was an authorized user on this XXXX XXXX account but was removed in XXXX. The balance of XXXX belongs to the owner and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CITIBANK, N.A.
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:
Please refer to previous closed complaint # XXXX ( Kindly re-open it ) Company closed the complaint without reading the DISPUTE PART. ( I did no shopping with any of XXXX 's card - I had no idea card existed on my name ). 

XXXX did not issue me credit card on XX/XX/2016 or later .. (  When i applied in store I was told by XXXX XXXX associate because of computer issue they couldn't tell me weather my credit card application was approved or not ) I DENY using any XXXX  's credit card to buy anything..So this {$110.00} ( they asking me to pay me FRAUD!! ) My suspicion is XXXX 's own employees misuse customer 's cards and they did in my case. XXXX should investigate this incident. 

I am collecting data from other XXXX customer 's who had gone through similar FRAUD in that store.

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 2018-01-29
Company: Experian Information Solutions Inc.
State: AR
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:
I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my Experian credit file ( online ). I named each inquiry to the Experian rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and XXXX stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.

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 2017-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last 3 weeks, I have received a minimum 8 phones calls per day from Bank of America concerning " pressing business matters. '' Typically, I receive a phone call, then within 10 minutes I receive a second phone call. Within a few hours, this process repeats itself. I have contacted Bank of America and discussed the issue and was advised that until my account was up to-to-date I would continue to receive the phone calls. I explained that I was receiving several phone calls per day and that I considered it harassment but was informed that this would continue until i made a payment on my account. I advised the customer service representative that all of my accounts were up to date and they apologized after some quick research. I was further informed at that time that they would ensure that the phone calls would stop and that they had submitted a " call stop '' on my phone number. I was also informed that since I requested a " Call Stop '' that I would not receive any phones calls regarding any of our 5 accounts. However, within 30 minutes, I received yet another phone call from Bank of America concerning a " pressing business matter. '' I did speak with a third manager ( XXXX XXXX ), who as very kind, understanding and listened with intent. She informed me that she could not see where Bank of America had made any outbound calls to my number. The only thing she could see were 2 call backs. This is simply not true. ( 1 ) I receive, at minimum, 8 calls per day, ( 2 ) both times that I spoke with Customer Service Representative and Managers, I did so by staying online until I actually got to speak to a human being. Unfortunately, there is nothing that XXXX XXXX can truly due. I 'm certain I will receive yet another call within 10 minutes of hanging up with her.

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 2021-11-09
Company: Experian Information Solutions Inc.
State: FL
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:
We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through XXXX my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for XXXX, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS 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 2021-11-09
Company: EQUIFAX, INC.
State: FL
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:
We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through XXXX my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for Equifax, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a mortgage with Wells Fargo for the past seven years, and am in the process of refinancing the mortgage with a different lender. In the process, the title company discovered that Wells Fargo had fraudulently recorded an " open end mortgage '' with deed transfer 3-4 months after the first mortgage was recorded. I never initiated nor authorized this. XXXX  XXXX XXXX and I've contacted Wells Fargo regarding this and requested they correct this so that I can proceed with my refinance. Wells Fargo denies that there is or ever was an open end mortgage, and yet they insist on " researching '' this, thus stalling my attempts at refinancing, and impacting my credit. I would like this remedied as soon as possible. Your assistance is greatly appreciated.

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