BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Borrowed money from XXXX XXXX and now they are suing me for {$6000.00} more. I have borrowed a total of over {$4000.00} and have paid in over {$11000.00}. They are charging 279 % APR. In the fine print it says that 31 % is interest and tje rest is a customary fee! They are a predatory company. I have paid well over what is owed. How can I fight this and help others from falling into the same trap?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My account on XXXX has been temporarily suspended and there is no sign of them opening it. My bank reversed a transaction and it had locked my account down. I 've contacted coinbase several times and this issue has went unresolved and unanswered. I sat on hold one night for 2 hours just to be told that it was escalated and have a nice day. Since then, I 've not received one response back. On XX/XX/XXXX I asked about a {$300.00} transfer that was sent to binance by myself, but never showed up. Case # XXXX and that went unresolved. 
XX/XX/XXXX ( # XXXX ) was when the account locked down and I also have $ 300+ in there. I 'm been removed from the {$600.00} I put in it between the transfer to XXXX that did n't go, and the other half that they are holding hostage on there exchange. 
Case number # XXXX Case number # XXXX follow up from call, still no action. 
# XXXX. Final reply no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received a copy of my current Transunion credit report which I had requested. I noticed several problems and called right away. 

After spending 30 minutes on the phone with XXXX, aTransunions representative in the Special Services dept. explaining the missing information I awaited the investigation results. 

On XX/XX/XXXX I received the results of the investigation. They corrected ONLY my birth date and did not address any of the missing accounts on my report. I called again and spent another hour on the phone explaining the previous history of the issue, more detail on the issue and the assurance that it would be thoroughly investigated again. 

On XX/XX/XXXX I received the next communication claiming the " dispute is now complete ''. However, they only added ONE of the missing accounts. 

My credit score is being significantly impacted in a negative way by this missing information. 

I would like help getting Transunion to correctly report my credit history.

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 2022-01-12
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBM services was calling on my personal cell/ work phone to collect a debt not owed by me. I informed them I wanted correct accounting of debt we which was not provided. The correct amount is {$870.00}. 31. They informed me a owed {$960.00}. 31 plus {$280.00} collections fees for over 90 days late. I explained that my bill was incorrect and wanted a correct accounting of bill, at which time I could pay. I never received the correct billing and it was place in civil suit, I am being sued for {$1200.00}. 40. I had a pretrial hearing, and was told that billing should be corrected. Company corrected the billing but still charging the XXXX collections for not paying the " incorrect '' amount in 90days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 filed a complaint with the CFPB on XX/XX/XXXX regarding a duplicate hard inquiry on my credit report from Capital One Auto Finance on XX/XX/XXXX. See attached Complaint # XXXX. Capital One Auto Finance responded with the attached letter dated XX/XX/XXXX, providing in part : " If the dealer provides us with a letter, on dealer letterhead, stating the corresponding application was submitted in error, we will submit a request for the inquiry to be removed. '' On XX/XX/XXXX, the dealer, XXXX XXXX, faxed the requested letter to Capital One Auto Finance at the fax number provided and included a copy of the company 's XX/XX/XXXX letter. The company then sent me a letter dated XX/XX/XXXX, requesting " additional information, '' all of which is contained in the original complaint and supporting documents, the company 's XX/XX/XXXX response letter and/or the dealer 's XX/XX/XXXX letter. 

Please re-open the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to my credit reports from XXXX, XXXX, & XXXX, ProCollect is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State ProCollect Inc does not have a bond for the state of Texas to collect debt. ProCollect Inc is attempting an illegal practice of collecting debt in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
I am writing this complaint to inform the CFPB, XXXX and Transunion that I am a victim of identity theft. XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and Transunion is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer 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. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) XXXX and Transunion is in violation of 15 USC 1681b ( 2 ). I never given XXXX and Transunion who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that XXXX and Transunion is a CRA that assumed its roll as congress said they are and elaborate mechanism. XXXX and Transunion has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand XXXX and Transunion to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by XXXX and Transunion without authority or consent, to commit fraud and furnish a consumer report on my behalf.

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 2018-01-16
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was sent to the collection firm on XXXX XXXX, 2014 - 3 years and 6 months ago. 

I do n't know what this MEDICAL DEBT is for - as well, I did n't know MEDICAL DEBTS could be reported on an individual creditors report.

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 2018-01-11
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was attending a university and when I needed to withdraw from a course was shifted from full time to part time status causing my expenses to increase. However, this occurred after disbursements for the semester. 

The University contacted me in XX/XX/XXXX and I attempted to set up a payment plan with the university and they were agreeable. However when I attempted to make the payment I was told I had already been turned into collections. Apparently, the person I had spoken with failed to notate my account. 
The debt to the school was {$940.00}. 

Upon trying to pay the collection agency I was turned into they said they will require {$1200.00} to absolve the debt. 

Today XX/XX/XXXX, I had an advocate call and attempt to settle with the company, they are are still unwilling to accept anything less than {$1200.00}. 
This is an outrageous increase- one third of the principal debt. 
However, when I contacted the school they said they are unable to assist in any way, the debt has been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, 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:
I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer 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. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) Equifax and XXXX is in violation of 15 USC 1681b ( 2 ). I never given Equifax and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Equifax and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. Equifax and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand Equifax and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Equifax and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: NV
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:
These are accounts are TOO old in which exceeds the FCRA laws, or they are not mine! I also didn't authorize this company to pull my credit, or the address I have never lived in. I filed a complaint with the FTC in which I attached 3 reports that has all the information on it.

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 2018-01-16
Company: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Westlake Financial has an auto loan being reported on my credit as a repossession/charge off and that information is incorrect. I spoke to numerous representatives to resolve this matter but they keep trying to negotiate a balance that is incorrect. I spoke to representatives from ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CITIBANK, N.A.
State: NV
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:
Once again CitiBank is dropping the ball on a valid dispute of charges ... ( 1 ) A purchase was made on XX/XX/XXXX to XXXX XXXX totaling {$1500.00}. The purchase was for a set of two appliances ; ( 2 ) The two appliances arrived damaged and delivery was REFUSED by me on XX/XX/XXXX ; ( 3 ) I disputed the charge immediately with Citibank ; ( 4 ) Citibank initially gave a temporary credit for the charge, but then sent a letter to me saying that XXXX XXXX said " they had my signature accepting delivery for the appliances ''. XXXX XXXX NEVER said this because it never happened. XXXX XXXX says no one told CitiBank this story. 
-- - Once again CitiBank 's dispute resolution department LIED and claimed a merchant said they had 'proof the charge was valid ' when the merchant made no such statement. They have done this two times previously. Further, CitBank refused to offer proof that the merchant said they had signatures demonstrating the charge was valid -- because there was no such statement made by the merchant. 
-- - Both myself and several family members worked with XXXX XXXX making numerous calls to various departments and XXXX XXXX finally REFUNDED the FULL amount ( on two separate credits ). I sent the REFUND receipt from XXXX XXXX to CitiBank 's Billing Department Twice -- and STILL they refuse to post the Refund from XXXX XXXX. 
-- - Remaining at issue : BOTH the XXXX XXXX  purchase -- and the Refund -- were applied to account # XXXX. Because CitiBank forced acct # XXXX to be closed just before XXXX due to fraud charges, the XXXX XXXX  Refund submitted to CitiBank on XX/XX/XXXX must be TRANSFERRED FROM Acct # XXXX TO the NEW acct # XXXX. I have asked the CitiBank Billing Dept twice now to Transfer the credit/refund submitted by XXXX from acct XXXX to the new acct XXXX. Yet, the current statement now due is showing that CitiBank reversed the temporary credit saying the charge was " found to be valid '' and the full amount is showing due. 

-30-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$3000.00} usd on XX/XX/XXXXto my gdax account. Everything I read on coinbase.com and gdax.com said that wire transfers were credited same day. There was no indication there would be a delay in processing at this time. This was misleading. I do n't remember exactly when but a few days after my wire XXXX says there may be delays in wire processing ( even now XX/XX/XXXX Coinbase.com says they have cleared the back log although they clearly have not ) XX/XX/XXXX Case # XXXX I submit a request to support, I receive a generic computer generated response. This is acceptable for the first 3 days in my opinion. Its been 3 weeks almost to the day, my money has not been credited to my gdax.com account and I have not received any other responses. I am extremely upset about not receiving a response from a real person who could lend some information and help me. This is unacceptable from any business, especially a money transmitter. 

Summary NO Customer Care at all You are rolling the dice with coinbase/gdax hoping that everything goes right I would not recommend this XXXX XXXX or exchange to anyone right now ( browse the XXXX /coinbase, I am far from the only person with this experience )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
so i was applying to jobs and i applied to this XXXX XXXX job on XXXX, after like 2 weeks the " doctor '' emailed me back. Everything seemed legit, he gave me a letter of employment and all the details of the job, it was for the XXXX XXXX XXXX supposably, and so we started working from there. he said the office is under construction and in 2 weeks it will be open. he said i had to handle his personal finance, book meetings and trip, basically everything an XXXX  does but at first i didnt notice these red flags. we talk more and more then after a while after he wire transfered me {$19000.00} TO MY BANK ACCOUNT. At first i was like in shock because i never had so much money but i had no knowledge about wire transfers and money scams so i was definetly a easy target. i had to transfer funds from my bank account to XXXX XXXX and what not but i aint smell a bit of scam because the doctor actually provided proof that it was all for the XXXX XXXX XXXX. I called the bank to check the wire again and see if its legit, i reserached everything, the doctors name, phone number, scam websites, searched his email and everything and i did not find one thing so it all seemed legit. i asked the doctor a million questions about himself and he answered them. But i couldn't just keep this wrong feeling in my heart even though everyhting seemed real and legal, thats why im reaching out to you guys because im a miltary XXXX and i cant have a messed up credit, or be in debt or any problems. i quit the job respectfully because i felt something was wrong.

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 2018-01-11
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Short Sale was started XX/XX/18. XXXX XXXX had requested some documents and they were sent to him multiple times. XXXX XXXX never uploaded anything we submitted on this file. In fact, nothing has been done on this file in over a month. It was not submitted to underwriting to start the waterfall process ( for retention review ) until we finally got a manager involved. 

We re requesting the file to be reassigned to someone who will actually work on the file and will communicate with us in a timely manner.

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 2018-01-11
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have checked my credit report for the 1st time in years in preparation to build my credit since I did n't have and accounts or credit cards. I found that there were several collections from the same company with the same dates. I have not had any mail correspondence with the company in question. I am not certain that this debt belongs to me since I have never seen any information about it.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have asked that this information be removed from my credit report and so has the Collections Company. The information is still listed on my credit report and I inquired again and the collections company sent another letter saying they're deleting the information from my report.

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