BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was signed up for Paperless Billing and did not receive any notice from FedLoan servicing that my bill was due in XXXX. In XXXX I spent six days in the hospital and had to have an unexpected XXXX and another in May. In XXXX, my wife and I were reviewing all of my medical and personal bills to ensure we had everything under control. To my surprise my credit score had dropped and I was several months delinquent on my four student loans. Had I known about the payment due I would have set up arrangements as I was intending on returned to school to finish up my degree after my illness. My student loans were put on forbearance, but they refuse to do anything about the delinquency on my credit report even though I did not receive any notice from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Braviant Holdings, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/20 XXXX XXXX XXXX from XXXX XXXX XXXX contacted me on my cell phone and left a message. She proceeded to call my husband and gave him detailed information on my debt. She also contacted my employee around 10 minutes later. Personal information was shared with both places. I have left numerous messages asking the caller to cease and desist activities but to this point, she has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020, On Paypal, {$54.00} was sent to XXXX XXXX, XXXX I did not authorize this transaction and they won't return my money. Paypal hasn't offered the option of " reporting an issue. '' I decided to come to this site because paypal gave in a small description that the Consumer Financial Protection Bureau helps with issues such as these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-07
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. Experian has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.

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 2019-04-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit from XXXX # XXXX in the amount of {$970.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.

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 2019-04-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX certified to experian a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. XXXX and Experian are allowing them to do 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 non-monetary relief
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. XXXX has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi. Thanks for creating this platform, I have been using Coinbase For close to a year now and recently ( few days ) ago. XX/XX/XXXX, I had a friend of mine from XXXX send my BTC worth {$200.00}. They allowed the funds get into my account and then coinbase restricted my account.

I tried to send out the BTC and they wont allow me. 

For no reason. I contacted Coinbase support several times and they replied saying case closed, can not be reopened They gave no reason why my account was restricted, i am a verified user and I didnt violate any of them rules and regulations so I dont know why they could do this to a poor boy like me. I need that funds badly and they should fix this issue so I can get my funds out. 


I urge you CFPB to help me out in any way possible. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
CapitalOneallowedadatabreachthatXXXXhavedistributedmymostpersonalfinancialandidentificationinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: CA
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 checked my credit this morning XX/XX/XXXX to find out on XX/XX/XXXX I got two hard inquiries that I did not make one from XXXX  department stores the other from XXXX  XXXX on XX/XX/2021 it says they were made I believe my identity has bench hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have given this organization over two months to resolve the charge on my account of {$47.00} for merchandise not received said to have shipped on XX/XX/2021. I have place numerous calls to the Credit department to have the charged removed from my bill and also complained to the order department directly. I have exhausted getting a resolve through their customer service representatives and supervisors. No one has made an effort to to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 - XXXX XXXX XXXX - {$630.00} showing on my Equifax Credit Report. 

This company continues to ignore the fact that this is not my debt. It was removed from both XXXX and XXXX  on my report. I have told them and Equifax both that this is not my debt. I have even disputed this debt and they will not remove it. They can not provide any documentation to me stating this debt is my debt other than an amount. There are no medical documentations or procedures codes to indicate this is my debt. I am attaching a copy of my equifax report along with the documentation stating it was removed from the other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Braviant Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Company hired a debt management company to collect a debt. The company has tried to contact me numerous times. The name of the company is XXXX XXXX XXXX. The debt collection company called my spouse without my permission and gave personal details as well as contacted my employer. This is after I tried to make payment arrangements last year with balance credit. I have asked both the debt collector and balance credit to cease and desist calling my spouse and my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I have a credit card from Bank of America with a {$17000.00} limit and a XXXX  balance. I have had this card for 23 years. Even though I received an offer in the mail, I called in to do a balance transfer on Friday, XX/XX/18. The account representative asked for some updated information, but me on hold for 15 minutes. When he came back on the phone he cancelled my card and reduced my limit on my other Bank of America card. I asked talk to a supervisor, but the representative stated that person was not available because the office had just closed. I called back on Monday, and the automated system stated that my account was closed. I spoke to a supervisor and let her know that I had XXXX in liquid assets and had paid off {$5000.00} balance on another card which may not be reflected on my credit report. That did not give permission to check my credit, because if I had known, I would have asked more questions before giving permissions. She stated she would not change the decision. They Cancelled my credit card and thousands in credit within one working day. My credit score will be harmed and the only reason give was how much a utilized my credit, but I can't be ( prior to the adverse action ) more than 50 or 60 percent, and I have good credit. I asked to speak to a manager, they said he would call me but never did. 

Finally, I do have school loans, which I have had for some time, but they have never been lower and my income has never been higher. So I do not see why they took this action. 

Thank you, 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 2018-01-07
Company: Business & Professional Collection Service Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All but 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 2021-09-13
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
3RD COMPLAINT, THE CHAMPION MORTGAGE STILL REFUSES TO RETURN MY CALLS, OR MAIL ME COPIES OF ALL MONTHLY STATEMENTS FROM XXXX. THEY DID RESPOND VIA UPLOADED DOCUMENTS FOR XXXX, BUT THOSE DOCUMENTS I HAD ALREADY RECEIVED 6 TIMES VIA MAIL. THE COMPANY REFUSES TO ACKNOWLEDGE MY CREDIT LINE INTEREST GROWTH AND FAILS TO PROVIDE THE AFORMENTIONED DOCUMENTS. I MADE A CREDIT LINE DRAW FOR XXXX IN XXXX AND AM STILL GETTING THE RUNAROUND. REVERSE MORTGAGE RULES STATE THEY HAD 5 DAYS TO PAY OUT MY DRAW. REVERSE MORTGAGE RULES ALSO STATE THE SERVICER MUST HAVE ALL MONTHLY STATEMENTS ON FILE. I HAVE BEEN HAVING THIS PROBLEM SINCE XX/XX/2021. 

THE CREDIT LINE DRAWS OUTLINED BY THE COMPANY DO NO NOT PROVIDE SUPPORTING DOCUMENTS AND FAIL TO ACCOUNT FOR THE INTEREST GROWTH FROM XXXX, AND XXXX. PLEASE ESCALATE MY COMPLAINT TO A COMPETENT ACCOUNTANT IN REVERSE MORTGAGE SERVICING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Yesterday I went to the XXXX dealership end test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed of couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, 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 explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent the following transaction from XXXX, in the amount of XXXX LTC ( worth {$650.00} USD ), to XXXX on XXXX XXXX, XXXX. 

Completed XXXX XXXX LTC XXXX Address : XXXX Txid : XXXX Then I received the following email from XXXX. 

Your Litecoin deposit of XXXX LTC ( worth {$650.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team And then this email. 

Congratulations! You have successfully sent XXXX XXXX ( worth {$650.00} USD ) to XXXX  using Coinbase. 
This withdrawal is being sent to an address ( " XXXX '' ) that you have n't previously used. 

View this transaction https : XXXX I have no funds on either my Coinbase account or my XXXX account even tho it shows it was completed and sent to XXXX Exchange . 

I have called both Coinbase and XXXX customer support and I have multiple tickets open. I have attempted to reach them on twitter and reddit and email. This is now the 10th day in which I am unable to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. XXXX has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.

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 2020-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company XXXX, XXXX  are trying to collect a debt that has been fraudulently sold around two times by Kohls with no evidence that I owe this debt. I have asked for validation by way of contract because I do not owe are remember this debt. Kohls is also attempting to collect the debt by Reporting it and damaging my credit to the Credit Bureaus. And must cease and desist all attempts. 
I have attached a validation of debt letter to the response of XXXX, XXXX  validation request which was dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I have contacted USAA about billing statement, payment, and Date of First Delinquency issues. 

First billing statements are missing the year of XXXX, which I believe is the start of the date of the first delinquency. 

Second payment history, I can not see when a payment was made by whom, or where it came from. 

Date of first Delinquency keeps changing, between credit bureau and USAA. 

In addition to this my debt was forgiven in XXXX tax year. 7 years after the original charge off date. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: FL
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TD BANK N.A.. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have letters from the 2 judges on two bankruptcy cases that were decisioned stating that the bankruptcies were filed under my name fraudulently and the credit agencies ( Experian, XXXX, XXXX ) continue to report 1 of the two on my credit report. I have sent them copies of the judges decision and that it was fraud but it remains on my report. The Decisions were made on the following dates : XX/XX/2021 XXXX XXXX XXXX decisioned my case and I sent a copy of the letter within the next month to all 3 credit agencies and it was removed. On XX/XX/2021, XXXX XXXX XXXX decisioned my case and also stated that it was fraud that should be removed. I sent a copy of the letter and the credit agencys refused to remove it from my credit report, thus affecting my credit score and my ability to buy my first home. At this point, I feel helpless and I really need some assistance with 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 explanation