BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX and informed them the debt from XXXX did not belong to me. In return, they sent a bill ; they DID NOT provide proof of a signed contract, signature or ID verifying that the debt is mine. XXXX XXXX  continues to report to XXXX this erroneous debt although they DID not verify nor validate the disputed debt. In addition they are reflecting this account was opened in XXXX 2016. I did not open an account and did not give anyone permission to obtain an account using my personal information and are not responsible for the charges they are reporting. This needs to be removed from my credit report in its entirety and not return.

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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XXXX, I called Transunion to remove inquires that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him what happened and how the US Rep was deleting unauthorized inquires and could he continue. He told me that he could n't do it. Again, I explained that the other US Rep was in the processing of deleting these unauthorized inquires. However, he did not care. Needless to say, he did n't help me with what the other US Rep was more than willing to help me with. There 's XXXX inquires from 2016 from car loan places. None of these places had my authorization to pull my credit or anything relating to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX I paid off the card ending in XXXX with XXXX. I paid XXXX. For some unknown reason they won't answer still, they transferred XXXX to a XXXX card I had on XX/XX/XXXX. That left me a XXXX balance at XXXX and I now owed XXXX XXXX. I called over 10 times and emailed secured messages over XXXX times asking them to correct this and transfer the money back to make both accounts XXXX. On XX/XX/XXXX XXXX XXXX decided the way to correct this was to deposit XXXX in my bank account and have me XXXX XXXX. I did on XX/XX/XXXX. I cancelled both cards. On XX/XX/XXXX I receive a statement from XXXX XXXX saying there had been a " reversal '' of the XXXX and I now owed XXXX again! I have sent over 20 secure emails. Called 6 times. Been put off by every person there. NO one can resolve this. Now they gave me a phone number to some bill pay person that is just a phone message and the person does not speak english well. Please help with this. They are now charging me interest. They won't escalate to a supervisor that will resolve it. Supervisors do not call back after I have talked to them and they promise to do so.

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 2018-03-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i paid my lease in full and XXXX XXXX is reporting a voluntary repossession on my credit. this has damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: LEXISNEXIS
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Lexis nexis is reporting the folling cases XXXX under a XXXX XXXX case XXXX under a XXXX XXXX and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX I have had only 2 names my whole life. I spoke to XXXX at lexis nexis his # is XXXX ext XXXX he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have had a credit card with USAA for decades. I was furloughed in XXXX because of a tornado that was a Federal Disaster and then COVID-19. 

I contacted USAA several months ago to find out what my options were for managing the debt while experiencing a financial hardship. I explained to the Rep that the TN Dept of Labor was not distributing UI claim benefits - it took a call to the Senator and 10 weeks of no income. 

Since then I have received at least 280 phone calls from USAA on my mobile. I have tried to get a supervisor who might have better knowledge on how to resolve the issues, but I remain on hold until I am unable to wait. 

Please advise how to stop these stalker-like calls that I receive morning, afternoon, evening, and weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with LOBEL FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LOBEL FIN with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX Capital One ( XXXX XXXX XXXX XXXX, NC XXXX-XXXX ) took over our cabelas credit card. We've had nothing but issues with them since. I send direct payments from my bank to pay the bill. I've done this with all my bills and I've NEVER had an issue until capital one took over my account. They keep insisting they are not receiving my payments on time. I've never had any issues until capital one took over and now they take over two weeks to process my payments, in turn making my payments " late ''. I've called numerous times to fix with no help at all. I've tied to find out why we can't do a direct electronic payment to fix and I've been told they don't do that. I've also been told it was more than just my issue, it was an on going system issue with my bank and capital one and it was being sent to the correct department to escalate and resolve. 
XX/XX/XXXX we made a payment and it wasn't credited to my account until XX/XX/XXXX. ( Due date XXXX ). 
XXXX they charged me {$27.00} late fee. 
I called, they apologized because of their error and credited the {$27.00} back. 
All payments still taking two weeks to process, payments/ month 's overlapping. I made phone calls every month!! Brings us to a payment on XX/XX/XXXX, not credited until XXXX and imposed a late fee of {$38.00} on XXXX. XX/XX/XXXX i called and was told fee would be reversed because of their system issues with my bank. 
Same problems/calls in XXXX, they would send to management and straighten out and credit the late fee. 
XXXX still the same, i found a different way to pay directly online ( not through my bank ) payment was finally posted on time, no thanks or help from capital one. Still haven't reversed the last late fee. More calls to them, and now they are stating they will not reverse/ credit that charge. They stated it must be my bank problem, not theirs ... ... omg ... ... i hate capital one and their customer service and managers. I want the {$38.00} late fee credited back to my account like i was promised back on XX/XX/XXXX. My payments were not late, capital one chose not to post/ credit to my account until after my due date. Because it was coming directly from a bank and they said i couldn't guarentee when payment was actually received by them. They think they can manipulate me because i didn't personally mail out the check Omg, I've NEVER had any issues with anyone else, just capial one. They XXXX and i want the {$38.00} late fee revered immediately. Thanks for any help you may offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-02
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:
I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put XXXX, Experian, and XXXX on notice and they have not complied within 30 days time frame.

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 2017-12-07
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been a user of Coinbase.com for many years, mainly buying / investing in cryptocurrency Bitcoin, Ether, and Litecoin. Since week of XXXX/XXXX/XXXX I started selling Bitcoin, of which I had no problems with an initial sale of my weekly limit of {$50000.00}. I processed an additional transaction week of XXXX/XXXX/XXXX of another {$11000.00} sale. 

Starting on Monday XXXX/XXXX/XXXX when trying to process a final sale of about {$10000.00} or XXXX Bitcoin the website ( www.coinbase.com ) began asking me for an ID verification. They required front and back photographs of my US Government issued Driver 's license. I had plenty of my weekly limit of sales available and this was a new requirement from the website ( www.coinbase.com ). 

I attempted several times on XXXX/XXXX/XXXX to upload my ID and each time it failed due to photos not being clear enough. On Tuesday XXXX/XXXX/XXXX I took high resolution digital photos of my ID and attempted to upload to www.coinbase.com. This time the server would " timeout '' after 30 mins of waiting. 

Still unable to sell my final XXXX Bitcoin, I attempted to upload the photos of my ID on XXXX/XXXX/XXXX XXXX times. Then I filed a support ticket with www.coinbase.com. I received nothing but a automated response to this support ticket. 

Still unable to sell my final XXXX Bitcoin, on XXXX/XXXX/XXXX after another 6-8 attempts to upload an ID. I submitted an additional support ticket to www.coinbase.com. I received an automated response as follows : " Thanks for writing in. We understand a large percentage of ID verification requests were not completing successfully. Our team has made improvements to this service today to increase performance. If youre still having trouble completing ID verification, we recommend trying again in 24 hours.

We apologize for any convenience this may be causing. Please check our status page for the latest updates : https : //status.coinbase.com/ Thank you for choosing Coinbase. '' Access to a digital currency that fluctuates 10-20+ % / day can be the difference of thousand of dollars. Or the digital currency could go to {$0.00} and I can not have access to the money in a reasonable period of time.

As I am writing this complaint, www.coinbase.com is down for maintenance claiming " ID Verification not working '' " High Traffic '' " BTC Delays ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When looking over my credit report, I found an account showing as reported by Commonwealth Financial Systems. It concerns a medical bill for {$1600.00} and shows as reported to my credit around XX/XX/2018. As I should have no outstanding medical debts I am fully insured I reached out to Commonwealth and informed them this was in error and asked for rectification and deletion of the account. I have yet to receive any response from Commonwealth and the account remains on my credit. I have not seen a bill or received any other justification for the debt, nor why my insurance would not have covered it, or if they were even properly billed. My disputes through the bureaus have resulted in no changes or responses, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Please look into illegal activity by the XXXX XXXX XXXX as well as Bank of America for infringing on our Natural and God-given rights to own, purchase, and bear Arms. Our Second Amendment is non-negotiable to any entity headquartered within the continental US of A. This should be a crime of  treason against the Constitution and should be punishable by maximum fines and prison sentences for the Upper Executives. Please arrest these treasonous people and get them on trial for treason. I have wrote the President about these matters and someone should look into dissolving these banks as soon as possible, please.

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 2020-06-25
Company: SOUTHSTATE CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, South State Bank paid my property taxes in XX/XX/XXXX even though I don't escrow so it made it difficult for me to make my payment to the county. Then they added an escrow amount to my bills starting XX/XX/XXXX2020 but I don't owe them for taxes and insurance, I paid those directly. I called them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX after I kept seeing this charge on my Statements and it's not getting fixed. I got a call from Collections on XX/XX/XXXX and I told them, another customer service agent and a Supervisor I don't escrow, I don't owe them any money and I want my credit ( history ) fixed. They also assessed me Late Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following collection account listed on my XXXX XXXX and Trans Union credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my XXXX XXXX  and Trans Union credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.

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 2020-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi, I had previously set up an automatic recurring transfer of my unemployment funds to go to my bank account, however when I get my funds I get an email alert saying that the transfer did not go through. I also tried doing a one time transfer, so i think that maybe both of those inputs may have clashed with each other, and it's now pending for weeks. I'm unable to cancel the pending transfer.

I haven't been able to make any transfers for a few weeks now. The Bank of America site no longer gives me the option to change any settings regarding transfers. I emailed them 3 times with no reply. I called their customer service line and the customer service people said that they can't cancel the pending charge either and that I maybe just have to keep waiting it out.

I'd appreciate any other solutions if you have any. I need to pay off my credit card but can not if I don't transfer my unemployment funds to my bank.

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 2019-04-22
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-Last year I discovered a derogatory mark in the form of a missed payment for a medical bill I was not aware of. 

XXXX XXXX had incorrectly coded an appointment that should have been filed as a preventative appointment which XXXX confirmed as something that should have been fully covered under my student health insurance plan. 

-Both XXXX XXXX and XXXX at this point confirmed over the phone that this bill was incorrect but that the bill had been sent to Bull City Financial Solutions . 

-I disputed the bill with Bull City Financial Solutions and disputed the debt collection through XXXX   XXXX ; however, I was surprised to find the debt collection still outstanding on a recent credit check. 

-Upon speaking with Bull City Financial Solutions over the phone, they had recognized errors with the account but were unwilling to change anything. 

-On XX/XX/2019, I sent a letter through certified mail agreeing to pay the debt in full ONLY if they agreed to send a letter that would remove the debt from the reporting credit bureaus upon my payment. Within this letter, I explicitly stated the debt is not mine and that this notice was not a guarantee of payment unless those conditions previously stated had been met. 

-I called Bull City Financial Solutions again on XX/XX/2019, upon receiving no response or notification of receipt in regards to my letter. They told me Bull City could not send a letter or any written notification back to me and that I would have to take " their word for things '' after I pay the debt. 

-In summary, Bull City Financial Solutions reported a debt to the credit agencies without my knowledge, told me false information repeatedly, admitted to errors on the specific account, and has largely been negligent in their handling of the account even after my willingness to pay for a debt that should have never existed in the first place. Additionally, Bull City Financial Solutions is now demanding more money for the debt collection than the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
yesterday, XX/XX/20, I spoke with an agent that advised me that " written notice/Verification notice '' was mailed to an address that i have not lived at for 2 years. I advised wrong address and requested validation of two debts. I found out about these accounts because i got an alert on my credit score app. After reviewing my disputes again, I noticed the Agent only  Disputed/requested Validation for 1 out of 2 accounts. When i try to call back i am sent to voicemail. On my credit report it shows two different collection companies " Debt recovery solutions , llc '' and " XXXX XXXX XXXX '' but when i spoke to Debt recovery solutions, they advised they had both accounts. XXXX XXXX XXXX is collecting {$120.00} and Debt recovery solutions is collecting {$1600.00} but i have never been contacted ( no called or mail ) in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation