BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my Capital One Quicksilver credit card in the amount of {$490.00} the same time I made a payment to my Capital One Platinum credit card in the {$470.00}, making the payment from my Capital One checking account. My payment for the Platinum card posted the same time as the payment for the Quicksilver card on XX/XX/2020. However ; the funds availability for my Quicksilver card was placed on " hold '' for 8 days making funds available on XX/XX/2020. Funds for my Platinum card were made available right away. When I called Capital One to inquire about when funds would be available, I was told the hold was placed because they don't know if the bank was going to clear it or not. I explained that my checking account is with Capital one and the transaction has been posted already. I was then passed from representative to representative ( 5 total ), until I asked to speak to a supervisor. The supervisor explained to me that they are not removing holds anymore as it was " a courtesy to release the funds '', that they no longer provide. I asked how can they do that especially since it was coming from a Capital One checking account and the other credit card I have with Capital One has had release of funds. The supervisor, who would not give me her name when asked and provided a title of Sr. Account Supervisor, stated that several things can place a hold on an account, to which I asked, well out of those several things what is the reason for the hold on my account. She did not answer. I said there is an emergency situation and I need the funds, she said sorry I cant release them. I asked under any circumstances can you release the funds, she said I can but I cant advise you of them. The entire process took 3 hours and I am still having wait for my funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I saw a loan open in my credit redit report, with Experian. I disputed it w Experian and sent an email to XXXX XXXX  on their website, never heard anything back from the bank and Experian told me it was accurate, never did I receive a loan, one reason I have terrible credit, second reason I am in Arizona n why would I get a bank loan from XXXX, third I've been trying to get approved for even XXXXdollars and still denied. Fourth why do I not have a document concerning that loan, fifth how does Experian know it's accurate was it in my name, my address my account, I've been shown nothing and last why am I pushing this dispute this far? Obviously there is a problem. I never got a copy of the email because it was on their website, I tried looking in my email and the address comes up but says no documents. Strange the address comes up but not the email.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2017 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Clark County Collection Service
State: NV
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:
Hello.. 
I was living on a XXXX XXXX XXXX XXXX  for 2 years, I decided to move out cause that manager on charge give to much stress when left an apartment she comes to supervise and I am not left an apartment dirty, left some furniture cause no to much time for move out they charge for everything they do in that apartment, that manager that time threat me they gon na suid me for a lot money I told them I have my security deposit and she continues yellow me is gon na be more I reply her is no nice she yellow me and treat me, after few months I find out they sent to collection with hight amount the XXXX without noticing me. they keep my security deposit plus my dogs deposits, I try to contact them to ask where my security deposit they say they suppose sent to a collection department, I was call collection department they say they did not get it any security deposit from them they put one vinyl change some other charge damage was done a maintain guy who working for XXXX XXXX I go attach a breakdown charge and collection number, I I appreciate you guys help in this case Account Details Bureau Name XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$4200.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported phone number XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX NV

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX Inquiry XX/XX/2018 - XXXX and Experian is reporting - This was an unauthorized inquiry not authorized by 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 non-monetary relief
Consumer complaint received 2017-06-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The information I received through Navient about repayment and amount owe did not seem to align with payments I had paid to XXXX XXXX prior to loans being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: CO
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2017 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I called Diversified Consultants to ask about a debt they claimed I was responsible for. I never received any notice about this bill the only knowledge I have is on my XXXX and XXXX report. I called to ask if I were to pay a debt they claimed is mine can it be deleted off all reports. The lady XXXX told me no. She did not even offer me a reference number. The next day I called again and spoke to XXXX XXXX. He said he did not have any record of my previous call. This is not fair for me as a person to have a collection on my credit reports and did not receive a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Resurgent Capital Services L.P.
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Eastpoint Recovery Group, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received two phone calls from Eastpoint Recovery Group ( XXXX ) for a debt that belongs to my mother ( XXXX XXXX ). The first call was on XX/XX/18 and the caller left a message. Message stated that I " needed to contact the office of XXXX XXXX regarding a formal complaint filed by one of my clients. Please be advised that my client is adamant with respect to their assertions. I'm hoping you can come forward and provide a statement. I'd like to speak to you before this becomes a public record. '' This message never mentioned a collections agency or that a debt was being collected. After searching the phone number on the internet, I assumed this was a scam by someone pretending to be an attorney. 

The second call was on XX/XX/18, which I answered. The call came from the same number and was the same voice. I told the caller that I was the daugther of the person he was trying to reach, to which he said I needed to make her call him back. I then asked who he was with, and I was given the Eastpoint name. The caller stated that he had tried to reach my mother XXXX stated correct cell phone number ) and had failed. And that if she didn't contact him, they would serve papers. The caller implied that a lawsuit had been filed in XXXX county OH ( family lives in XXXX county OH, original debt was owed to a company in XXXX County OH ). I told the caller that he wasn't giving me any information that couldn't be found on the internet and I didn't trust him. I told the caller that I couldn't verify their phone number or find a XXXX XXXX in any attorney database online, the caller started shouting at me that " this call is recorded and I never said I was a lawyer '' ( see voicemail above, caller implied he worked for an attorney. Has also now stated he was filing a lawsuit ) and screamed that I can't rely on the internet, that if I had called back, I would have been able to verify the number - to which I responded that scammers use that tactic. As he continued to yell at me, I told him not to call my number again and that I would forward any future calls to my attorney then hung up. 

After speaking to my parents and relaying the above information to them, I was told this is in regard to a debt that has already been settled directly with the original company. This information has been relayed to the collector on multiple occasions. This XXXX XXXX continues to harass me, my mother, my father, and also calls the family business. He often shouts on the phone and implies that he works with a law firm, that he will be filing a lawsuit, and other harassing tactics. 

I have reported this complaint with Eastpoint Recovery as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
The information listed below appears on my credit report but I did not make or approve of these transactions. 
The following accounts are not mind account. No knowledge account. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 


XXXX XXXX # XXXX XXXX XXXX XXXX mine account. Please delete. 
XXXX XXXX XXXX Account # XXXX.. Not mine account. Please delete. 
XXXX XXXX XXXX # XXXX. Not mine account. Please delete.. XXXX XXXX XXXX # XXXX.. Not mine account. Please delete XXXX  XXXX XXXX XXXX {$380.00} XXXX.Not mine account. Please delete XXXX XXXX XXXX # XXXX.. XXXX Not mine account. Please delete. XXXX XXXX # XXXX Not mine account. Please delete. 
XXXX XXXX # XXXX Not mine account. Please delete. US DEPT OF EDUCATION # XXXX mine account. Please delete. US DEPT OF EDUCATION # XXXX Not mine account. Please delete. XXXX XXXX  # XXXX Not mine account. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled my credit report and i have a number of inquiries on my Equifax credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights.

I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. 

I would like these fraudulent inquiries deleted from my credit file immediately XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX US DEPARTMENT OF EDU XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I wanted to use Coinbase as a bitcoin wallet. I then wanted to use XXXX.XXXX as a way of sending the transaction records to my accounting software, which is XXXX, XXXX an open source piece of software ). Currently, the Coinbase website is prohibiting me from doing this by blocking the sequence of steps by which I would connect the software using the XXXX XXXX. I sent an email to the customer service department of Coinbase describing my complaint and after several hours, they did not reply. I believe that they intend to deny me the ability to get my bitcoin transactions that way because they perceive that the " deal '' is " too good '' in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an outstanding balance with Citibank for {$680.00}. It was being reported to all three bureaus as {$680.00}. When I called Citibank to pay the debt, I was told the statue of limitations for collections had passed. I was further told that any payments that I made would be " courtesy '' payments. I then asked if the account should even be reported to the credit bureaus. I asked if the account was reported to the IRS as a charge off. I was told it was not. I confirmed that the payment amount that I owed was {$680.00}. I was told I could not pay over the phone or the web, but that I had to send the payment in. I sent in a payment for {$680.00}. I called back to secure a XXXX balance letter and I was told that I had a balance of {$0.00}. I sent in the payment for {$0.00}. The payment cleared my bank account, however, they still told me I owed the {$0.00}. I was later informed the {$0.00} was applied to someone else 's account. I was then told that I had to wait 10 days for the money to be applied to my account. I requested a zero balance letter, as the check had been cashed. I was denied. I was told I had to wait 10 days for the transfer of funds and I had to wait 15 days from the date the check was cashed prior to them providing me with a XXXX balance letter. Currently, they are incorrectly reporting a balance on my credit report. They have refused to quickly rectify the situation. They have denied me from talking to anyone besides the floor supervisor.

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 2020-06-24
Company: HEAD MERCANTILE CO., INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I was a minor ( about XXXX years old ), I received care from a local XXXX in the XXXX Ohio region by the name of XXXX XXXX. Under the arrangement, I would go to XXXX appointments and they would bill my parents for the appointment. About a year and a half ago ( at which point I am XXXX years old, which is a few years after I stopped going to the XXXX  ) I noticed on my credit report a debt in collections. I called the collection agency and found out the debt was sold to them by XXXX XXXX. I knew this could not be legally my debt as I had never signed any agreement with XXXX XXXX to bill services in my name ( which is essentially opening an open-end credit account ), I never received statements from XXXX XXXX notifying me of the debt and its balance, and I was not of legal capacity to contract as a minor. After I found this out, I immediately sent a letter to both XXXX XXXX and the collection agency requesting debt verification. While the collection agency did confirm that they could not verify the debt and ultimately deleted the account, I never received any response from XXXX XXXX. About 6 months later or so, my brother calls me asking how to handle a debt in collections, and I find out that XXXX XXXX sold the exact same debt amount to the exact same collections agency and put it under my brother 's name instead ( and I don't even think he went there ). Regardless, XXXX XXXX is flagrantly violating TILA, FCRA, and other credit regulations related to the transparency, disclosure, and authorization of debt. When confronted by consumers about their violation of the law, they choose not to respond to the consumer, and instead try to pass off their faulty debt to a different party altogether. I believe it is in the best interest of all current and future consumers in a financial relationship with XXXX XXXX that their credit, billing, disclosure, and authorization practices are audited to ensure compliance with all applicable federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX is attempting to collect debt through Midwest recovery systems for a payday loan that is more than 8 yrs old. Sold collection to another company and have failed to notify me in writing. Collection placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
This company keeps calling me and advising they are prosecuting a fraud action against me. They do not leave the name of the company or any information on what their allegations are or who they are calling from. They are demanding a call back from me or my attorney or they will file a complaint. 
There is currently no open collections proceedings against me. The calls seem to happen after calls from a " Portfolio Recovery '' calls. The Portfolio Recovery " Collection '' is now over XXXX XXXX XXXX and unable to be pursued, but they just change the account information to show it new. I do not know that this is the same company, but again, they seem to call at the same time and again this is the only active, but unprosecutable issue on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a personal checking account at Usbank. In XXXX XXXX I durable power of attorney on my roommates account while he was out of town. During the time he was gone I managed his account with no issues. In XXXX XXXX he returned and took over all his own financial affairs. In XXXX of XXXX, he committed fraud on his account and Usbank is holding me responsible and has frozen all my account along with all my money. My roommate claims to have taken responsibility for his fraudulent activities. However the bank refuses to reinstate my account and release my funds. The bank has documentation of how the fraud was committed and I am not part of it. It is crystal clear. 
Please help 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