BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This issue is with Coinbase.com. About 4 weeks ago I was prompted to enter my username and password and message said wrong username or password. I verified that I put in the correct credentials. I tried this from my phone, from my computer and different browsers and also cleared browsers cache. When I clicked on " Forgot Password '' I never receive an email to reset the password. 
Coinbase does not have a support number. I tried opening multiple tickets, also tried contacting them social media sites with no response. 2 weeks ago friend suggested I open a ticket and threaten to file a complaint with consumerfinance.gov. I finally got a response. It was a template response that did not address my issue but it was at least a response. I replied back for more assistance and coinbase said they will look into it. I emailed for an update 2 days ago. I have not heard back since. 
I also disabled my account just to be safe using their only number XXXX XXXX XXXX XXXX they had but its not for support. Its an automated system. 
There is over $ XXXX of my funds tied up in my account. All I am asking is give me my access which should be a simple fix. 
Someone at coinbase should at least respond and give me an update. 4 weeks without a resolution or update is not acceptable. I feel like I am getting scammed. I don't even know if my account is compromised. 
Please help! 

This is my Coinbase case number Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Received an uncilicted US BankReliacard debit card. Card # XXXX XXXX XXXX XXXX. Flyer inside envelope states that " Colorado Department of Labor and Employment automatically issues a Reliacard to every claiment who files for and is approved to receive unemployment benifits ''. 
I have not applied for unemployment. 
Is someone using my identity to file for benifits?

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 2018-02-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Sir / Madam, I understand that you had responded to the CFPB complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX of PA Banking Commission, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX 's CFPB complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned CFPB complaint with this authorization. Best Regards, 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 2021-01-30
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account with US BANK for roughly 4 months. In this time, my US BANK account was overdrafted due to the outrageous fees they charged to my account for a slight negative balance. On XX/XX/XXXX, the {$600.00} stimulus check was deposited into this account, to which I only received {$100.00} from. From what I have learned from the IRS  and US BANK themselves, it WAS ILLEGAL for them to take and withhold ANY amount of my STIMULUS check from me. I have contacted US BANK twice now, both through phone call. I have been given the same answer from 2 different representatives ; that their 'manager ' was in a meeting and would call me later that day. I NEVER received a call back. This is illegal and I want my stimulus check.

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 2017-08-08
Company: Financial Credit Service, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My ex-husband texted me because a company called his wife regarding me. They stated I committed check fraud and her name was associated with my account and gave her date of birth and stated if they knew information about me to have her attorney contact them. I have a copy of the message. I called the company and they stated I committed fraud because I set up a payment arrangement within the last 60-90 days with a company called XXXX for a debt and it did not go through my bank account. I asked what the debt was and they told me once I made my first payment they would send the information. If I did not call them back by XXXX EST they would proceed with legal action. I have never received any information of a debt and the company XXXX is unknown. They never told me any more information. I asked them to stop contacting people and contact me directly and I want information on this debt. I had to end the conversation and they state if I do not contact them by XXXX today they will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: IL
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:
After forwarding all the documents needed for my Dispute along with an official police Report with a UCC filing from the Secretary of state for Illinois showing there is no Debt Registered, these credit Bureaus still did not remove this from my file claiming the contacted the Bank and verified this account with no evidence to me which is against FDCPA Law and violates consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Law Offices of Timothy M. Sullivan
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received multiple phone calls last XX/XX/XXXX through XX/XX/XXXX ( multiple times a day ) saying that criminal charges were being filed against me. Wouldnt give me information. So I would hang up thinking its a scam. Now Ive notified by my employer that my wages are being garnished. Never was served with anything, but do lets say my signature was signed for XXXX delivery to an address I didnt even live at! There was an eviction case at the same municipal court 3 weeks earlier. So now the company or the court is lying about the signature of being served? 
The lying scum 3rd party collection agency HS Financial was allowed to have this judgement filed against me when it was past the statues of limitations to sue me for this debt. How does a this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX # XXXX Has a account that I never received any documentation or proof of claim about this account. This is the second or third time I have had to deal with company. I would like to file another compliant to the FTC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, 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:
the following accounts have been disputed on these dates for these reasons : XXXX-19,XXXX-19,XXXX-19,XXXX-19, Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX   # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX would like for experian to remove all accounts that may be considered negative from my Experian report. Such as XXXX XXXX  Account # XXXX, date open XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX, date open XX/XX/XXXX another XXXX XXXX XXXX XXXX XXXX account # XXXX both unsecured.

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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and TransUnion are both indicating that I am disputing the account with XXXX XXXX and I am not. I requested they remove the verbiage that the account is in dispute and it still reports that. This thing hasn't been disputed in almost 6 months.

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 2018-07-10
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:
To whom it may concern : I have written several certified letters to this XXXX XXXX XXXX. I have certified receipts that they have received my letters, stating for them to send me information concerning this bad debt on my Experian credit report. I have heard nothing! Experian has been disputed 3 times!! and they still keep this false fraudulent information on my credit report. How are they verifying this account? Not by actual doing a investigation, because if Experian did a actual investigation they would see that this is NOT my account! and i want it off now! I am about to take legal action against Experian and this XXXX XXXX  for reporting this nonsense that is fraudulent on my account. I know for a TRUE FACT that this is NOT mine! Below you can see that this is NOT a real company and there is no relevant information on this so called reporting company. I do also know that they haven't sent me anything to validate this account on what XXXX, XXXX or XXXX 's account this is! I do know that It's not XXXX XXXX account ( mine ) and these fraudulent people are not supposed to be reporting this nonsense while in dispute!

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 2018-07-10
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2016 I received a letter from a collection agency demanding payment for an account that I did not open. I began to investigate immediately and discovered a payment was deducted from my bank account that I did not authorize for a furniture store in XXXX. I was able to dispute that transaction and the bank reimbursed me my funds. I then called the furniture store who informed me that the furniture was at an address in XXXX. I have never lived in XXXX and definitely did not purchase furniture from this store. I informed them that this was identity theft. I filed a police report and contacted the collection agency who stated the issue will be resolved. I began receiving threatening phone calls and decided to check my credit report. Needless to say this fraud is reported my credit report. The issue was not resolved. The lender is XXXX XXXX for {$1300.00}. I was able to dispute and have it removed from one credit bureau but now they are reporting it to another one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was given a {$2000.00} limit American Express Credit Card ( Blue Sky Miles ) in XXXX, shortly there after I was XXXX with the military, severely injured and unable to make payments, I told XXXX this, explained the situation, provided documentation, and they put my credit card into collections, even after I provided them with documentation of military service and XXXXt XXXX relating to the injury, it has since destroyed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Portfolio Recovery Associates has been improperly reporting two separate accounts to XXXX credit agency. The two separate accounts are for XXXX XXXX XXXX XXXX  and XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Portfolio Recovery Associates has been reporting both accounts to XXXX as in an open status. They are both paid accounts. XXXX XXXXPRA was paid XX/XX/2016 for the amount of {$950.00} dollars. XXXX XXXXPRA was paid in the amount of {$600.00} XX/XX/2016. They should not be listed as an open status. They should be listed as paid and closed. Portfolio Recovery is listing that the two separate accounts are in a derogatory status upon XXXX  credit reports. They should not be listed as in a derogatory status. They have both been paid. I have not had any successes with my personal interactions in correspondence with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today ( XX/XX/XXXX ) I checked my credit score and noticed that between XX/XX/XXXX and XX/XX/XXXX there was a collection account added to my report. The collection agency is Congress Collection and which has never contacted me in any way. The original creditor is XXXX XXXX XXXX of MI XXXX and which also has never contacted me in any way. The supposed unpaid balance on the account totals to {$86.00}. The year the supposed account was opened was XX/XX/XXXX ( XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i recently obtain a copy of credit report and noticed accounts i did not authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Conn's, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased a clothes dryer from XXXX XXXX XXXX several months ago. I have made all my payments within the week due before a late fee was assessed. I am XXXX XXXX and get paid at random times which I told them at time of purchase. The date my payment becomes due, the company starts repeatedly calling and texting my personal and business phone. They proceed to call at least 12 times a day. Twice I have asked them not to call me repeatedly and that I would report the practice as harassment but they continue to call several times afterwards. Today they have called 12 times. My payment was due on XX/XX/XXXX so it has just reached one week which is the latest it has ever been. I usually pay it within 3 days of the due date. This is affecting my work and I an unable to answer business calls because they continue to call about every hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: Ameritech Financial
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Started in XX/XX/2016 with {$220.00} payment to Ameritech. Then I paid {$200.00} for the next 10 months and I have been paying them a {$99.00} a month " service fee '' ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: GOLDEN 1 CREDIT UNION, THE
State: IA
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:
On XX/XX/20 I was notified that someone applied for a credit card in my name at Golden 1 Credit Union in XXXX. I did not apply for this credit card.

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: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I'm filing a complaint With the cfpb because I have disputed with the credit bureau Equifax About a inaccurate account on my report that is being wrongfully reported. XXXX XXXX ( account # XXXX ) it has closed the account I had with them for no apparent reason. They stop deducting funds from my account in XXXX of XXXX with no apparent warning or explanation at all. I tried contacting XXXX XXXX on why they're not deducting the monthly payments from my account anymore and I have received no response from them in the last XXXX years that I have try to receive an answer. In XXXX of XXXX they closed my accountWhat 's charge offwith no warning and still have not responded to my request for reason of not accepting my funds or cancellation. I filed a dispute with the credit bureau Equifax To verify this account because they closed my account with them for no apparent reason and stop deducting money from my checking account. I still have the furniture and they haven't contacted me back upon numerous requests for an explanation or to come pick up the furniture to resolve this issue. I'm contacting you to have this account removed from my credit report immediately. because I filed a dispute with Equifax in XXXX of XXXX and have not received a response from them as of today XX/XX/XXXX Which is a violation of the Fair Credit Reporting Act for 30 days non-response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Sunday, XX/XX/XXXX, I attempted to put a freeze on my credit date through equifax at www.freeze.equifax.com in order to prevent any fraud. I got through the process and to a webpage that said " Your security freeze request has been processed ''. Same page had the following " To view your one time PDF please Click Here '' and a link. The link did not work. So I could not retrieve my pin as the link didn't work. On Monday XX/XX/XXXX I called their customer service number, and was asked several security questions which were not answerable, and they would not let me proceed. I tried the same evening to go thru the process again, but since I had a freeze already, the only option was to unfreeze. There is no way to unfreeze without a pin, which they did not provide due to a problem on their website, and customer service is very unhelpful - as well as difficult to understand due to poor English. Also, they only operate during limited hours. Their website also includes a chat feature, which I tried to utilize for assistance, but they can't help with credit freezes. To top it all off, after the phone call with customer service I was supposed to be directed to a survey about the experience ; that didn't work either.

Company response to consumer: Closed with explanation