BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased Bitcoin through Coinbase almost 5 years ago. When I log on to my same Coinbase account during the past two weeks, I am not permitted to sell ANY portion of the amount shown, an amount I have held since that original purchase! 

So far, the only thing Coinbase has done, a week ago, is suggest I clear Browser History which I did while on the phone with Coinbase. I have a XXXX XXXX XXXX in programming and am familiar debugging computer code. On my own during this time I tried disabling virus protection, using othe PC browers and XXXX, and made other attempts. After over a week of both emails and phone calls to Coinbase ( XXXX ), the latest with a programming supervisor named XXXX, they have not been able to resolve this so called 'TECHNICAL ISSUE '. 

Coinbase 's ACTIONS has now caused a monetary loss and I intend to retain legal action while diligently publicizing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, the company ON LINE INFORMATION SERVICES, contacted me via mail, on this letter, trying to collect {$460.00} dollars. They claim that I have a debt with XXXX XXXX XXXX Open on XXXX XXXX XXXX  and used their services until XXXX XXXX I already make contact with XXXX XXXX and they asked me to provide a POLICE REPOT for identity theft ( I have it already ), the collection agency letter, XXXX XXXX XXXXXXXXXXXX XXXX information such Account umber XXXX Customer Name XXXX XXXX Invoice Date XXXX  Invoice Number XXXX Referral Id XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have visited Texas about 20 years ago for one week visiting relatives in XXXX, I have not been in XXXX never in my life ; half of my life in XXXX XXXX and 34 years in XXXX XXXX California . and I use to lived 29 years in XXXX XXXX XXXX, XXXX XXXX California but keep it as mailing only for important documents. One of my friends allows to received mail for in-between apartments her address is XXXX XXXX XXXX XXXX XXXX California XXXX XXXX And my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
My cellular number XXXX, I had it for more than 23 years here in XXXX XXXX California. 
I will attach a few of my documents that proof that I was in XXXX XXXX California during the XXXX identity theft ; Phone Bills, rental agreement, my work Id with year dates car insurance and more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 agencies closed the accounts, but did not delete the accounts, per the request and previous documentation sent over. They only honored the closing.

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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was told my credit was going to be ran once for auto loan it then was ran multiple times through 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

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 2023-11-29
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
This information is pending and was not aware of property undergoing auction sale? I am also needing assistance with funds if there are available grants. 
This information is being requested due to different information given that my property is undergoing foreclosure process in XXXX XXXX and I was informed that I had forebearance until the end of XXXX XXXX I have been receiving false information and this could have been resolved prior to the current state that my property status conditioned.

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 2023-04-26
Company: Kingston Data & Credit International 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 was a member on XXXX XXXX in XXXX, OH. In XXXX of XXXX, I deployed to the XXXX XXXX. Prior to deploying, I advised the management to put my account on a freeze. They advised they could do that. Months into my deployment, I received an email saying my account was at risk of going to collections. I made contact with management and agreed to pay {$260.00} to keep me out of collections. In return I was provided with a free membership of {$260.00}. I returned home XX/XX/XXXX and had my membership reactivated. In XXXX of XXXX I received a notice about a past due balance. I reached out to management who responded Hey there XXXX, you can disregard any emails regarding past due payments, we will get it sorted out for you. This was the last email I received from XXXX XXXXXXXX before discovering a collections notice on my credit report that was placed in XX/XX/XXXX resulting in my score to decrease XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Navient Solutions, LLC.
State: GA
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Please see the attached document for a very detailed description of the issue. This is the second time I'm opening the case as the first time around the case seemed to be automatically closed by the system just because the bank has responded. They actually did nothing to fix the issue. The bank charged me ( and keeps doing so ) late fees and interest on a small balance that was paid ( in full ) late because of their own system problems. Due to technical issues on their side they have failed to send me an account statement for 2 billing cycles and also blocked access to my account from my home. They try to place the blame on me and want to extort from me those late fees and interest. I'll pay them nothing more as those are illegal charges. The original balance I've owed has been paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo sent me a letter reporting someone tried to open a new deposit account using my personal information. I called the phone numbers they provided and all 3 asked for my SS #. They didnt match XXXX XXXX XXXX phone numbers. 

XXXX XXXX XXXX  XXXX recently told me my personal information is on the Dark Web. 

What do I do? I didnt apply for anything from Wells Fargo 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 2019-03-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX is reporting an account on my credit report that I have no knowledge of. I have asked them multiple to provide me detail about this account such as doctor name, full account details, documents with my signature, etc. The only thing they have sent me was a type letter from them. This does not provide me any information to research the account. Furthermore, the letter was sent to a family member address and not mines. I have family members with similar name, and I believe this account may belong to one of them. XXXX has not sent anything I have asked for, yet they continue to report on my credit report stating the account is accurate. Its obvious that have not research it because the address is even incorrect. Also, I have the right to know what they are collecting to confirm if the charges are correct. I need this account removed from my file immediately. XXXX is violating my rights and damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$390.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have sent this same dispute to Transunion three times the first two they said they never got it then the next time they some old stall letter and has yet to review. This is not fair that someone has taken my identity and they refuse to help me. Please delete these inquiries from my report. 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 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 2022-10-24
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 explanation
Consumer complaint received 2022-07-16
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a credit card to improve my credit score. The card was referred to me through XXXX XXXX. The credit card I applied for and was approved to get is Avant ( product of XXXX ). I was approved in XXXX of 2022, I haven't received the physical card as of yet. I communicated with there customer service a total of 7 times in reference to not receiving the card to no avail. I had two of three cards cancelled due to not receiving them. The third card was issued over 7 days ago and I haven't received it. I have been charged the {$39.00} annual fee without having the physical card. I XXXX   Avant credit for reviews and this seems to be a common issue of clients not receiving their Avant credit card. I just want my Avant credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-08
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:
XXXX reference too close Case on XXXX XXXXXXXX DID NOT INVESTIGATE NOR TOOK MY DISPUTE FAIRLY I PACIFIC STATED IN THE DISPUTES WHAT WAS ON MY CREDIT REPORT OTHER SELF INCREASE THAT WAS NOT MINE THAT I KEEP DISPUTING AND THEY REFUSING TO TAKE IT OFF MY CREDIT REPORT I ALSO TOLD THEM THAT THIS WAS A DATA BREACH ON THEY END CUZ ALL THE INFORMATION THAT HAS SENT THEM SCREENSHOT THEM UPLOADING THEM AND SENT TO THEM IN PERSON SHOWING WHAT'S ON MY CREDIT REPORT THAT NOT SUPPOSED TO BE ON THERE ON DARK WEB MY SOCIAL SECURITY NUMBER DRIVER 'S LICENSE NUMBER

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 2021-02-18
Company: Credit Control, LLC
State: VA
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 am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

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 2016-10-04
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Dear CFBP : At the end of last year I was on XXXX and I was unable to pay my Avant bill on time. After I came off XXXX, I made payment arrangements with the company to cure the past due balance. During this time, I was making double payments each month, 1 payment to cure the past due balance and another to pay the arrears starting in XXXX. During this time I noticed that they were reporting wrong. 

I have made numerous calls and I 'm pretty frustrated with how my accounts are being reported to the credit bureaus. 

As of today, I should only be {$100.00} past due on XXXX account. ( Which I just paid today ) When I look at my account is says that but when I pulled my credit report is says that the last reporting date is XXXX 2016 and that I 'm {$10.00} past due and 90 days late. 

How could this be? I need a full payment breakdown that include past due status. For some reason Avant 's credit reporting is n't matching with my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Goal Structured Solutions, LLC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2022 an agreed payment of amount {$15.00} was due. I paid the payment and over the agreed amount. I paid {$20.00} XXXX XXXX, 2022. However, Launch Servcing is not recognizing the agreed payment has been met. They put my account in past due. The account was first reported past due XXXX XXXX, 2022. This should have never happened considering the payment was met XXXX XXXX, 2022. This misconduct is causing my credit report to show inaccurate harm to me. I need Launch Servcing to correct mistake.

They do not call me back. I have called several times and used the email option through the account website as recommened. Im getting ignored by XXXX the supervisor. They never answer my calls to help this situation. 

I have attached all the recoreded documents of this agreement and the response I have gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Bank of America is a financial institution that is violating 15 USC 6801 and 15USC 1681. I have the right to make sure my private information isn't shared. 15 USC 6801 states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Bank of America ( the financial institution ) does not have my consent to furnish this information and under no circumstances do they have my written consent.

15USC 1681 ( a ), specifically items ( b ) which defines the Person ( Bank of America ), ( c ) which defines the consumer ( myself ) and ( d ) 1, defines what a consumer report is.

15 USC 1681 ( d ) ( 2 ) defines what a consumer report is not. In other words, what CAN NOT be included in a consumer report.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Bank of America has submitted information to all 3 credit reporting agencies that are now included on my consumer report. These are items that Congress clearly says CAN NOT be included by sharing transactions and experiences between myself and their company. On XX/XX/23 I sent a certified letter in reference to both my accounts, which reflect transactions/experiences solely between their company and myself, and in their letters dated XX/XX/23 they refuse to remove them and closed my 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 explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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