BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i tried to dispute these items for inaccuarate info on credit report. they refuse to correct or remove items listed. i pulled my credit report to see that the same inaccurate items exist on all 3 cb..i demand that these items be removed do to cb 's are in violation of the fcra..

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 2018-01-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Account set up with Coinbase - money taken very swiftly from a debit card. 

As soon as I wanted to cash out and close my account I have had to authenticate my account using a SEPA transfer of XXXX Euros. 

However even though they have sent an automated email to say they have received my deposit it is still not allowing me to withdraw funds and keep wanting me to authenticate my account. 

In total I have XXXX sitting in account which looks like I might not get back. Thank heaven I did not put more in It seems that there is no response for emails, no telephone number and no way of contacting these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, a transfer of XXXX euros was sent from my bank account in the XXXX, to a bank account owned by Coinbase. It was a SEPA transfer. Coinbase provided the XXXX, Reference Number and XXXX/XXXX code in order to transfer money into my account with them. This transfer was expected to complete within 1-3 business days. 

It is now XX/XX/XXXX and the money has still not appeared in my coinbase account. 

On XX/XX/XXXX I raised a support ticket with Coinbase. They are reporting that they are overwhelmed with requests at the moment, but state they are prioritising cases where money is missing. I got an automated response saying it may take several days to get a response. I has now been a week and I have had no response from them. 

I am now seeing an alert in the Coinbase website stating that they do not accept transfers from XXXX XXXX. My transfer was from XXXX XXXX XXXX. Perhaps this is what they mean, but never the less, its too late to report that when it is not mentioned in their guide to making payments here https : //support.coinbase.com/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX a fraudulent account using my name/SSN/other personal information was opened. I immediately closed the account and at XXXX XXXXXXXX XXXX recommendation, contacted XXXX to place a fraud alert on all XXXX major credit bureaus. I wish to remove this fraud alert since I instead froze my credit at all XXXX bureaus. I was easily able to remove it with both XXXX and XXXX. 

I spent hours the week of XXXX XXXX trying to make contact with Experian. I tried the online self service center ( click " remove alert '' ), which indicates that my request can not be processed each time I try. I tried submitting via their online document upload and also repeatedly received errors in submitting my information. I have called over XXXX times and keep getting put through the self-serve automated system only to eventually deadend even after indicating that I want to remove a fraud alert- it will repeatedly ask if I want to add an alert and eventually disconnects. I tried asking for a representative but the auto system indicates that a call can only be transferred for specific reasons and then it goes through the auto system again and eventually deadends. Pressing zero also ends in the line being cutoff. I did go online and checked for their chat service, but status has been unavailable each time I checked this week. There is no email contact listed for consumer queries. 

I just want to request the fraud alert be removed from my Experian credit, but I can't make contact in any way to achieve this.

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 2022-03-30
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the XXXX data breach, I have been trying all week to freeze my accounts/data at the three major credit agencies. I have spent HOURS and HOURS trying to do this, and have been partly successful at only one, TransUnion. However, they charged me a lot of money for things I never ordered. 

ISSUE : TransUnion. I went through the steps on their website to freeze my account. It all appeared to work -- until I received an email receipt showing they charged me {$19.00} for " TransUnion Report, Score, and 3-Bureau Credit Monitoring. '' I never ordered any of this while trying to simply freeze my account with them. I have spent OVER THREE HOURS since I saw the charge yesterday, trying to get in touch with them to remove these charges. I could never get through. Today, after a 47-minute wait  on hold, a rep finally picked up. As I was explaining my issue to him, the line was cut. Nobody ever called me back. Now Im 30 minutes into another hold on their line. 

I want my {$19.00} back from TransUnion plus a confirmation that they have actually placed a freeze on my account/data. 

The companies need to step up and make it much simpler and less time-consuming for Americans to freeze accounts -- of all our personal information, which we never agreed to give to these agencies in the first place.

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 2022-10-04
Company: EQUIFAX, INC.
State: NV
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX, Equifax and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please check payment history, date open, last activity and Status of XXXX XXXX-Chargeoff, XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} and XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}, I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: AL
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:
XXXX   XXXX   turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all  XXXX . inaccurate infornatuon. please adjust or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
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:
On XX/XX/XXXX I received an incentive email from Bank of America regarding opening up a credit card. Upon receiving that email, I went online and applied. On XX/XX/XXXX I had received an email stating that I was approved and I would be receiving awards on purchases and 0 % interest rate until XX/XX/XXXX and credit line of XXXX. 
For the several months I 've had the account, I always make my payment on time and there also have been numerous times where I paid the coconut fully and recharge the account up. 

On XX/XX/XXXX, I attempted to use my credit card at a gas station and I was told that the card was decline. I immediately called into Bank of America card decision and I was told my card was closed out due to a business decision. This did n't make nay sense. I attempted to reach out to a manager to get assistance and clarification. No manager was available to speak with per representation. After speaking with someone, I was told I could request a compliant to put in to help rectify the matter and that I letter would come explaining theirs decision. 
I never received the letter and I never heard back regarding the investigation for Bank of America. There 's a great deal of evident that suggestion 's that I was targeted and discriminated against. During that time my account was closed, IO had an substantially amount of money in my account with Bank of America ; XXXX to be exactly. On a biweekly basis I had direct deposit coming into various accounts. 
I am also following up with other agencies with regards to this issue. I was a loyal client and I did n't deserve to be treated unfairly and be target, and no one following up with me.

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 2017-07-26
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the Loan and was waiting for a response or call because that whats the message read. Instead there was no call the money just appeared in my bank account. Once that happened I thought oh that was easy and it was like great because I needed the money but then the more I thought about it I was like something isnt right. I called and was notified that for my {$800.00} loan I would ne expected to pat back {$4600.00}. I looked at the payment plan that was sent and that 's where I learned the Apr of 540 % thats when i knew I was in trouble. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
The vehicle was returned to the dealership on XX/XX/2020. The dealership had it in their possession from that date on but didn't process the lease return. It will be reflected in their records that I chacked it in on XX/XX/XXXX. After having the vehicle for over 4 months the dealership orchestrated a repossession and billed me for over {$6000.00} as if the vehicle was not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Experian Information Solutions 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:
Experian is confusing my identity with someone elses, who coincidentally was born on the same day, XXXX, at the same hospital and who has the same name as I do. I have attached a copy of my Drivers License and Social Security card. Please verify and update the correct information on my Experian account. Confusing my identity with someone else with my credit reporting is harming my credit score.

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 2022-02-04
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I never applied for or had knowledge of the credit card. My wife at the time opened this account using my name and social security number. I asked the bank for a copy of the original application and/or any information regarding the application of this credit card and they replied, " we can't forward you anything ''. This was back in 2020. How can anyone open a credit account in someone elses name, even if they were married at the time. The bank must have something on record if this account was opened. Their refusal to disclose information to me tells me that they were negligent on their end.

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 2017-07-26
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
X/X/2017 card an unauthorized use of debit card at an ATM at XXXX XXXX XXXX XXXX in XXXX, indiana. XXXX transactions, consecutively. # 1 for {$100.00} + {$3.00} fee # 2 for {$100.00} + {$3.00} fee # 3 Chase stopped the charge. Received email from Chase at XXXX about charges. Email attached. Email opened between XXXX-XXXX on X/X/2017 Immediately clicked Link to say NO these are not my charges. XXXX XXXX XXXX XXXX XXXX XXXX Link said they would call me and stop my card. Nobody called. I checked my online account multiple times to ensure additional charges were not being incurred. Clicked the link in the email multiple times on X/X/2017 because I did n't receive a call. On XX/XX/XXXX I called Chase to ensure my account was closed and to get a new card. On X/XX/2017 Chase reversed my fraud claim with this reason : 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while reviewing my account ). Called XX/XX/XXXX to dispute again, Chase advised to go file a police report and then fax it to them to reopen the claim. Called police on XX/XX/XXXX, they said to come in Monday. Filed police report XX/XX/XXXX. Purchased police report for {$6.00} to send to Chase via fax. Paid {$5.00} to fax police report to Chase on XX/XX/XXXX XX/XX/XXXX Chase denied my fraud claim again. Called Chase XX/XX/XXXX to dispute. Advised that my claim was denied again. 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while  reviewing my account ). Additionally, Chase said I never clicked the above link from the email. This is 100 % inaccurate and they must have an issue with their link/email tracking, as I clicked the link over 3 time. Still can click the link today and nobody calls. I should not be penalized because their method of fraud alerts does n't work when customers respond. Had the email said, call us right away if these were n't your charges, I would have called, but they did n't not do that. They said click this link - I did. Their link failed them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor : XXXX XXXX XXXX XXXX Credit account number:XXXX southwest reference number : XXXX principal : {$1300.00} discounted amount : {$910.00} letter dated:X/XX/2017 XXXX XXXX XXXX has sent a collection debt on my name to South west credit systems in the amount of {$1300.00}. They offered me a 25 % discount totaling an amount of {$910.00}. I have spoke to them several times and have explained to them that XXXX XXXX XXXX has performed unfair consumer relation practices against me reason being is I cancelled XXXX XXXX XXXX to switch to XXXX. I spoke with XXXX XXXX XXXX prior to cancelling and going to collection to try to resolve this issue but they would n't work with me. They are charging me for cancellation fees, last months dues, and remaining balance of cell phone purchases on my account. I feel it is unfair because of their unfair stipulations and policies they have set forth. I refused to pay them d/t their unfair policies and practices, lack of customer support, and unfair treatment. Another issue is, prior to me cancelling, my sister XXXX XXXX had 2 of 3 lines on her account that were switched over to me. Remaining balances of phone purchases which was 2 of 3 of those  lines were supposed to remain on her account however XXXX XXXX XXXX still put the liability upon me. We spoke to XXXX XXXX XXXX and they told me that the amounts of the phone and charges would stay on XXXX 's account but they lied. Once, we tried calling them to resolve the issue they were n't able to do anything worthwhile to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A woman from XXXX Barclaycard extorted 29.1 % of my monthly social security check in XXXX and XXXX of XXXX. She falsely claimed the post office had lost their billing and she would lose her job if I did not make " late payments ''. She assured me " we will give it back if we made a mistake ''. My written documentation of my checking account payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to my XXXX Barclaycard account XXXX XXXX XXXX XXXX expiration XX/XX/XXXX have been ignored. However, XX/XX/XXXX an employee named " XXXX '' denied the extortion and said " Prove it '' as if XXXX Barclaycard 's extortion did not occur. XXXX did say the account would be turned over to " collections '' in XXXX of last year. I look forward to a reputable collection agency recognizing this extortion as a violation of The Fair Credit Billing Act 15 U.S.C. 1666-1666j. This extortion caused my to miss minimum payments on other credit accounts. Finally, my records show a payment of {$67.00} every month by the XXXX of the month to my account ending in XXXX. XXXX Barclaycard stopped sending me billing for " non payment '' which has never been true, and my checking account records show otherwise.

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 2019-05-06
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Reported a debt to my credit when I was never notified of this debt. Secondly, it was regarding my XXXX XXXX XXXX cable account. I cancelled the account when I moved to an area they did not service, turned in all equipment, and provided a forwarding address. I do not owe them any amount and was not even given a chance to dispute due to not getting any correspondance about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: CITIBANK, N.A.
State: ID
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 opened a home equity loan with XXXX XXXX. As part of the process, XXXX XXXX paid off and closed several of my credit cards. One of these cards was Citi Bank Diamond Preferred Card with a balance of {$4000.00}. XXXX XXXX sent a cashier 's check to Citi Bank with a close letter in this amount. The account was closed, but Citi Bank said they never received the check. XXXX XXXX  send me a copy of the endorsed check stamped by Citi Bank showing Citi Bank received and deposited it. XXXX XXXX   confirmed the funds cleared. Citi Bank says I still have a balance in the amount of {$4000.00}. Citi Bank refuses to tell me anything except that they can not process the payment. Citi Card Customer Service told me I can not speak with the department that processes these investigations. They told me they can not let me speak to anyone higher than the call center manager, who told me he can't do anything. I spoke with XXXX XXXX, and they advised me to file this report with Consumer Financial Protection.  They told me they can not stop payment and issue another check, because Citi Bank deposited the original check and the funds have cleared.

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 2018-01-04
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It was during XXXX and XXXX XXXX time period, when I was going through severe hardships in my business and a new born, pilling medical bills and was not able to pay on time. The company is asking me to pay some amount which I am totally not aware of. 

CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$51.00} Tried reaching out to them a few times and they are not willing to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation