BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from a company called XXXX XXXX XXXX, phone number XXXX-XXXX-XXXX. A guy said he was calling about a debt from HSBC about an  account that had been charged off in 2016, they had tried to contact me but I did not respond and in 48 hours he would start legal action against me. I told him I never had an account and asked for the account number he said it would be on the written complaint, which I would receive. He said I could settle the debt for a smaller amount but would not give me the account number. I called the company and they did not an account in my name and then I checked my credit report and called XXXX and I have never had an account with them. I am very concerned because they have all my information and I want to put an end to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX {$800.00} is removed from my Bank of America checking account. The description is " XXXX* XX/XX/XXXX PMNT SENT Visa  XXXX NY ''. The type of transaction is " Debit Card ''. The transaction category is " Cash, Checks & Misc : Other Expenses '' My XXXX app does not show any record of me sending {$800.00}. 

XX/XX/XXXX I file a claim to dispute the charge. 

XX/XX/XXXX A temporary {$800.00} credit is applied to my account by Bank of America. 

XX/XX/XXXX Bank of America deems the transaction non-fraudulent and closes the claim. The temporary {$800.00} credit is removed from my account. They say that the documents detailing their resolution will be mailed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for BBVA Compass's Mega Blitz promotion in which I could apply online for a checking account and receive $XXXX if I completed a direct deposit within 60 days of opening my account. I opened my account on XX/XX/XXXX, and completed a direct deposit from my employer on XX/XX/XXXX. Per the terms of the offer, the $XXXX  should have been deposited into my account within 60 days of the direct deposit, i.e. XX/XX/XXXX. I haven't received this bonus. I have contacted BBVA on XX/XX/XXXX to find out the status, but never heard back from anyone. I have attached a print out of the promotion information when I signed up for the account for reference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sequium Asset Solutions , LLC sent me a debt collection letter I sent a dispute and asked for verification, which they have not provided. They continue to call ( sometime multiple times per day ). They claim they never got the request for verification but I sent it certified and the post office delivered it on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
State: ID
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:
Reports show open account when recent XXXX XXXX should close all accounts. 
All education accounts should show IN GOOD STANDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company has not vaildated the account is mine. I have not received proof of signature for any of the items. Please provide proof and a ledger of the charges.

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: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee to settle and close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$430.00}, XXXX XXXX, I have talked to representatives multiple times about a debt XXXX XXXX states I owe and told them numerous times that I do not remember ever applying for a capital one card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from XXXX XXXX and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to XXXX XXXX and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Hello Digit, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am on Digit and they are stating that they are unable to transfer funds/link my acct with my checking acct. please fix this issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Each bureau is reporting inaccurate information on my report. FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They are not abiding by these rules. I have seen multiple errors on my report that has not been corrected. so they must be deleted.

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 2019-09-27
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company : Credit Collection Services at XXXX XXXX XXXX, XXXX, MA XXXX Contact : XXXX // www.ccspayment.com Credit Collection Services issued a debt collection notice by mail on XX/XX/2019. Mail was received XX/XX/2019. Amount of debt issued : {$98.00} with a memo of : Test ( s ) ordered by [ Recipient doctor 's name ]. Creditor : XXXX XXXX XXXX. 

However, recipient contacted doctor 's office and hospital network to confirm that the original payment was received on XX/XX/2019 for the amount of {$25.00}. Receipts are available upon request. The hospital network that conducted the lab tests and received payment stated that the Credit Collections Services and creditor ( XXXX XXXX XXXX XXXX ) listed were not agencies it recognized or used. 

Doctor 's office also confirmed that full payment was received and suspected a scam. Upon further research, XXXX XXXX , XXXX was breached in XX/XX/2019 and released thousands of patient names, SSN, billing information, etc. It is suspected that this breach allowed personal patient information to be leaked and obtained by Credit Collections Services to impersonate healthcare providers to request overdue balances.

Credit Collection Services also lists : " According to our client [ XXXX XXXX , XXXX ], the above referenced amount is unpaid. As a result your account has been placed with this office for collection. We look forward to working with you to resolve this matter. Thank you. 

FEDERAL LAW : Unless you notify this office within 30 days of receiving this notice that you are dispute the validity of this debt, or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice that you disputed the validity of this debt, or any portion thereof, this office will obtain verification of the debt and obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of original creditor, if different from the current creditor. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' Notice arrived in generic envelope with a QR code. Website and messaging on document only refers to processing payments and no official Credit Collection Services website is available.

Please verify all payments are correct with healthcare provider and sales channel for tests run through third-party groups to avoid paying Credit Collection Services for false debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Experian Information Solutions Inc.
State: PA
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:
In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budget/bill sheet as paid. On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. During that call full payment was made to XXXX and all late fees were refunded by XXXX. I disputed with XXXX XXXX/XXXX XXXX on XX/XX/XXXX and then again around XX/XX/XXXX. I also disputed 2 times with TransUnion and XXXX. This is clearly a system error of some sort which is obviously not an item that can be " proven ''. The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXX/XXXX XXXX and then proceed to file with the CFPB, OCC, XXXX XXXX XXXX XXXX and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. I am in awe of how an error of this sort can have such an impact on a consumer with zero path for the consumer to be protected or heard and treated as a human being instead of a number or piece of paper.

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 2020-01-24
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19 NewRez, my mortgage company, took {$910.00} from my escrow account to pay an insurance premium for another customer of theirs ( not my own ). Around that time, my insurance agent and I communicated with the NewRez insurance department about this error and we were told that it was being corrected. However, it is over 5 months since then and this issue still has not been corrected. The " escalation agent '' assigned to my account has shown no sense of urgency in getting this resolved and does not return her voicemails. Additionally, the hold time when calling the NewRez insurance department has been as long as 5 hours. These factors have made it virtually impossible to communicate with the company regarding this issue. On top of this, I have been told the reason that my account has not been credited yet is that NewRez is waiting for a refund from the insurance company that was paid with my money, a matter which has no bearing on when and how my account should be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Capital Accounts, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Capital Accounts on XX/XX/XXXX about a debt that is not mine. I called them and instead of then investigating it, the woman called me a liar and started harassing me. I have not had services from XXXX XXXX this is not my debt or account, I have not been seen by that office since XXXX and theyre claiming its for services rendered in XXXX. I want it removed ASAP, this isnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
As consumer and beneficiary of this account, I assigned XXXX XXXX as trustee to of this account to close and settle this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
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: Other problem getting your report or credit score

Complaint:
Experian Business Credit Reporting agency has failed to generate reporting of my PAYDEX score. 

Several times I have contacted Experian Business Customer service department request that my business tradelines from the following accounts place for credit basis. 

XXXX XXXX XXXX XXXX credit card XXXX XXXX business credit card XXXX and XXXX loan 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: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My account on Coinbase PRO has been blocked for 3 days now from the time of writing. Combined there is a little over {$100000.00} in my coinbase account that I no longer have access to. I was locked out because I sent an email asking them to check a transaction for me. Before they responded, I have figured out the issue on my own and re-emailed them in the same case number that " everything is fine, disregard the previous email ''. 

About an hour after those 2 emails, my access to my coinbase account has been taken away. I am day trading cryptocurrencies and as we speak, I am literally losing thousands of dollars due to their incompetence to re-open my account. I have submitted numerous case tickets that all went dark. I only received ONE email back that states the following : " Hi, We appreciate your patience while we work through a high number of support requests. 

According to our records, it appears that you were able to sign in to your account after requesting help from us. 

Since you were able to access your account, were letting you know that were resolving your issue and closing this inquiry. 

If your exact issue isnt fixed and you need further support, please reply back to this message and include any additional questions or concerns. 

Thank you for understanding. 

Regards, Coinbase Support '' As you can see, on their end " everything is fine '' and " I am able to sign in ''. That is not true, obviously that is why I am filing this complaint. It is unacceptable to have such low grade of customer service when the amount of money they handle is enormous. Right now I am invested in cryptocurrencies for far longer than I was supposed to, this has the potential to cause me a lot of financial damage. 

My case number with Coinbase is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05
Company: EOS Holdings, 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:
On XX/XX/20 I called child support to report new employment. The worker reviewed my case and told me I was in good standing and didn't owe anything and also informed me that I had over paid. 

On XX/XX/20 I went on XXXX XXXX and discovered that my credit rating went down 24 points because child support put on my credit that I owed when I was already told that I was in good standing. I called child support and talked with a case worker about this and she told me she was going to put in a dispute for me saying that the information placed on my credit report was incorrect. 

On XX/XX/20 another case worker called me and informed me that she didn't see a dispute placed and that the previous worker never sent anything in. She then informed me that I would need to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 disputed several items on my credit report i saw were incorrect and incomplete but the credit bureaus haven't answered 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 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation