BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: Netspend Corporation
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1 ) On XX/XX/2020 my Skylight Financial debit card account was charged {$45.00} and {$5.00} at a XXXX in XXXX which I did note make. 
2 ) On XX/XX/2020 my Skylight Financial account was charged four consecutive {$5.00} for a total of {$20.00} and labeled ( Debit : Additional Statement Mailing fee ). 
3 ) I have tried to contact the but has refused to refund the money. Instead they have told me, I made the {$45.00} and {$5.00} transactions before I changed my pin number. I changed my pin number after I reported those two transactions ( {$45.00} and {$5.00} ) that I did not make and debit card was missing after checking the transaction on their website.This was the reply : - The PIN transactions being disputed are consistent with your previous account activity, such as the merchants shopped and their physical locations. Additionally, our records show that the PIN was not changed prior to the period of unauthorized usage. 
4 ) Because I shop at that place does not make the transactions legitment!

5 ) Additionally I was charged {$20.00} for them to send me an email which they described ( Debit : Additional mailing fee ).

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 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my account balance in FULL. Six days later I was charged interest on purchases. But the balance was XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with First Bank Puerto Rico and refinanced in XXXX of 2021 with another lender due to the continual frustration with the servicing of the loan. I've made several complaints with the cfpb in the past regarding those mishaps. I have been attempting to get the status of the 1098 tax form from First Bank Puerto Rico via numerous phone calls and emails. I get a different response every time which includes the 1098 form is mailed already, the 1098 form will be mailed by mid to end of XXXX of this year, the 1098 form will be mailed next week. Historically, I've never been able to get mail from First Bank Puerto Rico. They blame USPS. To that point, I asked that the 1098 be emailed. I received an email from a person in leadership stating the 1098 form will be mailed ( attached ). Did not receive it and during the last call to customer service, I was told that 1098 forms are never sent via email. Yet another discrepancy in information provided by this lender. 

I might add that I no longer have access to their portal since the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: I.C. System, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Dear XXXX I am an American living in XXXX. I moved here in XX/XX/XXXX. I have not visited US since that day. I received a letter, enclosed from I.C. System Inc, which purports that I have an outstanding debt of XXXX dollars for XXXX XXXX and have not paid this since XX/XX/XXXX. It was sent to an address in XXXX XXXX, Texas, belonging to my aunt, whose address I have given ONLY one company, XXXX XXXX Mortgage, since they needed a US address to process my XXXX mortgage modification, and would not allow me to use my XXXX  address. I use my XXXX  address with my credit card and checking account, also with XXXX XXXX. 

My issue is this : I used to use XXXX for my cell phone and XXXX needs since the year XXXX until I left the US to XXXX in XXXX XXXX. I have since used a XXXX provider for my data and XXXX needs. Second, XXXX XXXX  does not sound like a real company, they are trying to impersonate XXXX XXXX XXXX XXXX, which as you can see is spelt differently. Lastly, I have seen IS Systems is a XXXX XXXX, MN based collection agency, but I am not sure if the letter is sent to me by that company and I am afraid to contact them and give them any of my personally identifiable information for fear it is identify theft. 

I am requesting that the CFPB verify if this is a real communication from IC System , Inc and why this was sent to my aunts address in Texas, when this is not information available to anyone else but XXXX XXXX Mortgage. I believe CFPB must investigate IC Systems, and XXXX XXXX as it would seem that XXXX XXXX has in some way given my personal information to someone who is now using this infromation to either get XXXX dollars from me or get into my personal accounts or both. 

Thank you

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 2020-12-21
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX is my mortgage company. They are showing that I am 30days late on my report and i sent the payment in on time. However due to the pandemic covid-19, the mail system is not working properly. I have the proof of my check being sent to the company. The account number is 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 2021-02-16
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hi, I was sent to collections because I moved and never received the medical bill. As soon as I found out about it, I paid it back in XXXX. The collections company ( see below ) informed me that they sent all 3 credit bureaus a letter back in XX/XX/XXXX asking them to remove the collections from my credit file. XXXX  and XXXX  have done so, however XXXX as not. I've sent them numerous letters over the past 6 months asking them to remove it, and even put in a formal request with the CFPB on XX/XX/XXXX, in which they closed it without informing me or removing the incorrect collection. 

Healthcare Collections Phone number : XXXX Representative : XXXX I've had to open a new complaint with them which they now say they're going to sort out. I need this incorrect mark on my file removed ASAP. They need to check their records from XX/XX/XXXX when they received a letter saying that this was done and removed.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 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 ) 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

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 2018-01-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX 2017, a transaction of XXXX $ via CoinBase was supposed to be deposited into my checking account. The transaction still shows that it is in a " Pending State '' and I have yet to receive my funds. I have submitted an IT ticket for help, as well as called customer support and have gotten no information as to when this transaction will be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: FL
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:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN IS VIOLATING THE FCRA BY NOT BLOCKING THE ACCOUNTS AND CLAIMING ILLEGALLY THAT they believed I received something from the creditor despite the litany of information I have provided and Osada ruling that REQUIRES THEM TO MAKE CLEAR WHAT IS NEEDED TO BLOCK THE ACCOUNT. Read the law! This was their deplorable response. 

Thank you for submitting your complaint on XX/XX/2017,  through the CFPB Complaint portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. We are currently in the process of contacting the data furnisher ( s ) and/or public record vendor ( s ) to verify the accuracy of the information with which you disagree as needed. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. We received the identity theft report you provided, however, we are unable to block information on your credit report because we have reason to believe the request to block information was based on a material misrepresentation or you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the disputed transactions. For additional assistance, you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. ( Illegal violates the OSADA and FCRA amendments and more importantly post XXXX breach insures the account was compromised the way I EXPLAINED IN DETAIL. )

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 2022-04-02
Company: Experian Information Solutions Inc.
State: FL
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:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 
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 explanation
Consumer complaint received 2017-10-25
Company: CORELOGIC INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CoreLogic XXXX XXXX XXXX a.k.a. XXXX, are providing false inaccurate information about my rental history on my consumer report. 
I provided them with proof from The XXXX County Courthouse of NJ and my current landlord of 8yrs, that i have never been evicted or had any judgements against me. 
However, CoreLogic refuses to remove the negative information, and their representative was refusing to allow me to dispute false information on XX/XX/XXXX2017 at XXXX EST.

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 2017-10-25
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
My name is XXXX XXXX and This complaint is against XXXX XXXX. While monitoring my credit diligently trying to increase my credit score, I spoke with a agent at XXXX who informed me that If I were to get a " deletion letter '' from all the creditors that are reporting their inquires to my credit reports, they could only then remove the inquires. I had just ( like 3 weeks ago ) finished paying off my XXXX XXXX XXXX account so tried to start with them. The rep that I spoke with stated they had no idea what I was talking about, after speaking to her supervisor put in a complaint and said something about disputing the inquiry, I explained to her that I did n't want them to do anything but send me a letter to mail into my cbr 's, here we are 3 days later after being told I would receive a letter 20 days later letting me know of the outcome I see where they went and DISPUTED the account I JUST PAID OFF, causing my credit score to drop by 20 POINTS!!!!!! So I called and spoke to 2 separate supervisors one that left me on hold for 40 minutes never returning to the phone and the other telling me there 's nothing they can do to remove the dispute ( THAT I NEVER MADE ) and all she could do is make notes that I no longer wanted to dispute the account!!!!! Why on earth would I dispute an account that I worked so hard to pay off so that it would reflect good on my CBR and raise my credit score????!!!! So now after working so hard to increase my score I 'm 20 points down, oh and here 's the thing my credit score had just gone up 18 points just YESTERDAY only for it to drop down 20 today  all because of a Dispute I DIDNT MAKE!!!!!

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 2022-04-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX 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 explanation
Consumer complaint received 2021-05-13
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a Coinbase account in XXXX of 2021. On XX/XX/XXXX I noticed a charge for a currency that I didn't recall buying but I could not understand if I made a mistake or if there was an issue. I contacted them and was told to verify my bank account information to see if additional withdraws were made and to change my password. They would disable my account until I verified that I had completed these items. I did both and contacted them to reinstate my account. After that, they never opened my account or would give me access to my funds. There have been several changes in the market and I am losing money by not being able to play the swings in the currencies. There is XXXX or more in the account and I can't do anything with it. I have been issued 6 different case numbers and then a few days later I will check back and they have closed the case. I still can't get into my account. I even changed the password again but it still says account disabled - contact customer service. You never reach a human and there is no number that you can reach them. I can't believe they were allowed to be a publicly-traded company on the stock exchange and they can't be reached. I have filed a complaint with the SEC and the Federal Trade Commission. 
I would be glad to send you a screenshot but they erase it within seconds of the disabled message

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-02
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Apparently my SS # & Email acct had been hacked & I believe my sister, a XXXX addict, was also attempting identity thieft before she had an untimely death in XXXXShe stole a lot of $ from my father. My income is difficult to explain since I now collect social security & have inherited monies from both my father & my very wealthy aunt ( I'm in the process of having monies placed in trust accts & managed by others more capable then me! ). It does give me a steady monthly stipend that adds to my Social Security & shouldn't run out. I keep finding more & more derogatory comments on my credit reports? Tonight claims a late payment for a target credit card from XXXX. I've had only one Target credit card & it's totally up to date! I used it today! I usually pay my my few active credit card balance in full each month. I am immunosuppressed & was isolated for nearly 18 mos. I realize I got slopply with my payments due to XXXX. Totally my fault I had the income I was just lost concerning time & date since literally left alone with everything delivered to my door & Dr. appts & family only checked in virtually. Now I hope to repair my credit & health & get to the bottom of some debts & loans that are not mine! I couldn't leave my XXXX  from XXXX XX/XX/XXXX till XX/XX/XXXX & still must be cautious. No reason to apply for loans or credit cards then & minimally today. XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previosuly filed a complaint against this company under complaint number XXXX. 
The company responded with a ton of statements from the credit card company. 

The company failed to attached what I originally requested which was the copy of the signed credit application so I can file a police report. 

I went to report this to the police department and they asked me to obtain the credit application and bring it back to them. This collection agency on return sent me statements, no signed credit application.

Company response to consumer: Closed with non-monetary relief