BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: Santander Consumer USA Holdings 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: JPMORGAN CHASE & CO.
State: MD
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:
I had a payment due in the amount of {$54.00} due XXXX XXXX, 2017. I paid said payment over the phone on XXXX XXXX, 2017. Chase credit cards automated payment system confirmed the payment was made. But days later i received a telephone call saying the payment was returned because the automated system got my bank information wrong. I checked my bank account the funds were still there. ( So it was n't due to lack of funds ) chase had just got my info wrong. So i called customer service 3 different times and tried to reason with them because my new statement is for {$180.00} because they charged me the XXXX that they never got because they got the bank info wrong, a XXXX late fee and XXXX in interest plus the next months payment of {$54.00} this was a mess up on their end of which they have admitted fault for in the past and had to fix but this time they refuse to work with me even though the whole issue is that their automated system got my bank information wrong and they charged me fees and interest as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We have sold a house in XX/XX/XXXX and bought house in XX/XX/XXXX. A Bank of America acct was opened on XXXX XXXX with my social security number for the amount of {$5000.00} credit line. These people bought from a XXXX company and XXXX fee in XXXX then did a check payment over phone. They then went to car dealership and paid another {$4200.00} in change. The check via phone was denied and the credit card amount went to up to {$9300.00} and change. Then they stopped payments and thats when it was on credit report in XXXX. We then contact police, to report fraud with my Social Security #. Sent that to BofA and they said they did investigation. We asked for all paperwork that went into their decision and we received only bank statements. They are still saying that we owe this amount. We have done our own investigation and the email they had file was not ours and phone number & address was incorrect. 
We have called on XX/XX/XXXX when we finally received a statement, then we called again in XX/XX/XXXX and we given multiple claim # s and nothing was ever sent to us via mail which they told me was going to happen. The places that items were purchased are not in business or didnt exists any longer as well. They are getting ready to charge off and not be willing to fix this matter. We have worked with two credit report agencies and could not get anything resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I use www.coinbase.com currently and they have allowed me to add my bank account XXXX account and have verified all my personal info license etc. They allowed me to invest around 5-6k in their service. After gaining some through investments 5-6k turned into around 8k I Was able to withdraw around 4k of that. Now they are literally holding my account XXXX. I have reached out to them via XXXX, XXXX, their official support tickets, and their phone numbers. They have never even began to fix a resolution. When they reply if they do it is meaningless and then they go dark again. All in all they are literally holding my money XXXX and have locked my account disallowing me to readd financial credentials or to do anything with my money whether it be sell or send. I just want my money back that 's all it is so stressful as that is a lot of money for me. This has been going on for about a month and the email associated with coinbase is XXXX. Please help me as I really need this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX dba midland credit wrote- threatened to take me to court, forced me to call them- then threatened me again pretending to be a lawyer. XXXX XXXX abused TCPA after telling me they would stop. The settlement offer was on XXXX well above the XXXX owed after purchasing the debt for XXXX on the dollar. They have refused settlement since- all offer must by law- remove debt or have contract stipulation of debt removal before anything will be paid out. XXXX of XXXX is less than XXXX. XXXX refuses this settlement. They will however, slander my name- XXXX fine per month minimum and refuse to pay that to me. Therefore debt is nullified by actions of XXXX XXXX and MCM/encore- who are now moving across state lines. I move to seize business assets of all related companies for th emoney they owe me in reverse debt challenge- due and payable immeadiately in amount over 20 million per company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Quality Asset Recovery LLC
State: PA
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 submitted serval disputes dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requested that an account be properly investigated and properly verified and the method of verification. I have received responses that the account was accurate and updated. I seen no changes made i received no responses of the method of verification. This account in question HAS NOT BEEN PROPERLY VERIFIED OR INVESTIGATED according to the FCRA 611 ( 15 U.S.C. 1681I ) my consumer right have been violated as well as the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account you are compliant in violating my rights, and will be held accountable if legal action does persist.

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 2022-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company XXXX XXXX XXXX. I told them that the debt was paid in full. XXXX XXXX XXXX asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by Pendric Capital. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by XXXX XXXX. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The XXXX is a federal law that provides protections for military members as they enter XXXX XXXX. 

The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a federal employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Franklin Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked a particular bill collector ( Franklin Collection Agency ) to  provide original documentation verifying a debt with XXXX on XX/XX/XXXX. XXXX is a part of XXXX XXXX XXXX, and I expressed to this collection agency in writing that I have already paid this bill. They are continuing to pursue an already satisfied debt which I will not pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Suddenly, I noticed on XXXX XXXX that I had a negative debt collection against me. I immediately thought it was identity theft. When I disputed the debt on XXXX, they took it off immediately. XXXX claims this debt was verified, however it was from XXXX and the collection company was stating it was from XXXX of this year. The original debt is purported to come from XXXX for internet. I never received any notice of this debt and I never got notice from the collection company to pay this debt within thirty days as is required by law, before it appeared on my credit report. XXXX refuses to help me or provide any documentation proving that I was given notice. I consistently paid my bills on time, therefore, I do n't think this debt is valid. The collection agency is supposedly the second collection agency. I never got notice from the first and nor did I get notice from this company. Again, this is the first time I have been made aware there was an outstanding balance of {$29.00} on an account from 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 2017-09-20
Company: Experian Information Solutions Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Experian is absolutely refusing to give me a receipt for the money I 've spent with them. I paid XXXX dollars for a credit freeze and they are refusing to write me a receipt. Thus comes directly from management. Their industry has let ALL of my personal information " slip. '' I have to sue XXXX  to get me money back. Experian either wo n't send me a receipt because they are trying to protect their industries money or because they are prejudicial against my XXXX heritage. Either way it is unscrupulous and purposeful.

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 2017-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called Equifax 5 times each time they verify my identity then transfer to another dept and no one can unlock my credit report they lie verify transfer me escalate the calls I have never been treated so horrible each time I call it 's between 1 and 3 hours they are rude and no one knows what to do i ca n't apply for credit and no one will help incompetent employees who will not help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Student Loans Consolidated, Inc
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Company called " Student Loan Consolidation '' charged me {$400.00} they promised my loan would be forgiven. I just found out today that the loan is n't forgiven for 20 to 25 years the gentleman I spoke to lied to me and told me my loan would be forgiven sooner than 10 years. Nowhere in my contract does it say that it would take that long. Also my loan was supposed to be forgiven and now it is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I submitted a payment to venmo from my bank account on XX/XX/22. It was deducted from my bank account on XX/XX/22. Venmo said the funds will be available on XX/XX/22 and I relied on this information. I reached out to venmo multiple times and both times I received a, check back later, wish I could be more help, response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following as these are suspicious : XXXX and 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 2019-05-01
Company: Williams, Rush & Associates, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a phone call from debt collector who proceeded to threaten me that she would put a debt on my XXXX report about a debt that I explained to her was inaccurate and that I had the proof. She knows that putting that on my report as I am a XXXX XXXX  would prevent me from being able to find a job and jeopardize employment with my current employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
i sent a western union on XXXX-2017, i received call from receiver money was refunded, it was sent to XXXX to pay for hotel, tracking # XXXX, i called western union they say it was refunded, i will pick it up tomorrow, i like to know why was money refunded, because i sent money before with no problems, my name XXXX XXXX, email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on IBR for a year due to my income. It was time recertification and I did not get the email in time. They debuted XXXX out of my account instead of the XXXX. I then had to call the bank to stop the payment but they couldnt and I had to file a claim. They did this twice in XXXX and again now in XXXX. 
XXXX XXXX stated theta they put a hold on my recertification application but still put in for the money to be taken out. I was unaware of the hold until I called hem today. They said they couldnt stop it from being taken out because it has to be done within 3 days of the withdrawal. This has been an inconvenience and no one is trying to rectifying the problem. I want to pay my loan back but at the rate hat I was paying it last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: WI
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.

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 2018-01-05
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX University is very Incompetent and I believe have some fraudulent practices in processing student financial aid. They are claiming that I owe them close to 3,000 which I am unsure for what. At the time I was receiving Federal Financial Aid Assistance and Federal Student Loans. Therefore my Financial Aid should have satisfied my payment for classes. They have sent me 3 different statements all of which has the same date ranges but all have a different amount that is due. I have repeatedly asked for a Full Accounting Statement showing all aid and all payments since I started school there but have not received them. I was enrolled in my last class for receiving my XXXX XXXX XXXX and had to a leave for an family emergency. I approved me for the leave but when it was time to re-enroll in my class they would not allow me to enroll. Although this class was already paid for by my Financial Aid & Federal Student Loans.

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