BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today I received a TD Bank debit card # XXXX in the regular mail. I called TD Bank to inquire about the card since I have never opened an account at this bank. I was explained that this was fraud but no other detail can be given such as when, where and how the account was opened. I asked how can I have received a debit card with my name and not be able to get any other details. I was told such information was not known by the bank. I was explained to complete the process to freeze my credit report with the three credit agencies, to freeze my SS # and to file a report with the trade commission. All three actions have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX 2018 I transferred XXXX LTC ( Litecoin cryptocurrency ) from XXXX to my GDAX litecoin wallet. The transfer was completed and the LTC reached the first destination which was the Coinbase LTC wallet. From Coinbase another transfer was made automatically to send the litecoin to the Exchange owned by Coinbase, GDAX. The transaction shows up as complete on the Coinbase history in my account, yet the Litecoin never showed up on my GDAX wallet. I contacted Coinbase through email the same day and received a case # XXXX. The response from Coinbase showed me a list of reasons why my transaction could be pending. I replied to the email and told them that my transaction does not show up as pending it shows up complete, and I still do not have the assets. I have not received a response from Coinbase despite numerous emails sent regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Receivables Management Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by RMP, A XXXX RCM company around the XXXX of XX/XX/2022 with regards to a debt I owed XXXX XXXX for various medical bills including my sons. They offered me a settlement for {$680.00} of which I agreed to and requested the debit this amount from my XXXX XXXX account on XX/XX/2022. The entire conversation was recorded and I provided my routing number and bank account number for them to debit the {$680.00}. However, on XX/XX/XXXX they debited {$1100.00}. I called immediately and spoke with employee # XXXX ( XXXX ) who acknowledged the error and assured me they would credit me back the difference of {$450.00}. I was given reference number XXXX and assures me I will get the difference ( {$450.00} ) back but they have not. I called several times and keep getting a promise they will refund me the difference but they have not. I have filed a dispute with XXXX # XXXX do not believe this company intends to pay me the incorrectly debited amount and uses settlements as a ruse to get your bank account info and then overcharges you and just assumes there is nothing you can do. The company info is below. 
RMP, A XXXX RCM company XXXX XXXX XXXX XXXX, IN XXXX Office Hours : Monday Friday XXXX XXXX  Email : XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
There are two fraudulent accounts on my credit report. One is from Capital One Auto Finance and the other is XXXX XXXX XXXX Credit Card XXXX sold to XXXX XXXX XXXX. I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted capital one over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but Capital One Auto Finance does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX  XXXX sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXX XXXX has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. please let me know if you can assist me with getting these item removed from my credit report. 




Inquiry Date XX/XX/XXXXRemoval DateXX/XX/XXXX Business Type Complete dept. stores Contact Information None provided XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my identity stolen and credit cards were used without my authorization. I filed a police report and contacted the companies that had accounts opened without my authorization. Most of the companies worked with me and removed the accounts from my credit report but one did not they have since sold the debt to a collection company. I 've tried to resolve the issue with the credit card company and do not want to pay something that i did n't use but they still report the charge off on my credit report and its effecting my ability to get the best rates on loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solution Acc # XXXX trying to collect account is been paid I'll talk to companies representative and they didn't find the account assuming its a mistake XXXX   XXXX stills providing me service Please delete this account out of my credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
hello i sent in a copy of my police report and signed and notarized affidavit to all 3 credit companies now over 30 days ago only to get no response they are claiming they have not received it yet i have conformation of receipt from all 3 of them my identity had been stolen and someone was assuming my identity for years and finally when i went to do something about it they told me to ge a police report i got a police report and sent it in and nothing the information is still reporting please help me the only thing they did do was place a fraud alert on my report.that 's how i know that they did receive 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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-09-14
Company: Asset Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A few days ago I found on my credit a new collection of Asset Recovery Solutions which I do not recognize, I have never been notified. How is it possible that an account without validating my credit begins to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: IL
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 have contacted Equifax several times that they are not correctly reporting several accounts. My XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts are not being reported by Equifax even though these companies are sending them updated information monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint that I have filed against Amerinational mortgage company. I have contacted them twice via phone to get my late charges for my mortgage handle. As of right now when I go on there website it currently reflects that I owe XXXX in late charges. I made a payment on XXXX XXXX,2017 of {$440.00}, which was my mortgage payment plus the late fee that they were saying that I owed. As of today I have made another payment towards my mortgage of {$420.00} to cover XXXX 's mortgage payment and late fee. The first call I made was around the XXXX XXXX, 2017 and spoke to a young lady that told me she would have the changes made and my should reflect a XXXX balance for the late fees, that did n't happen. So on XXXX XXXX, 2017 and spoke to a young man named XXXX about XXXX XXXX central time. At that time explained to him the problem I was having and we went back and forth with the numbers for a little while before he just came to the conclusion that he did n't understanding why the system was still reflecting a late balance and at that time a new late charge that was n't they 're standard late charge of {$20.00} was showing also. The system at that time was saying that I now owed an additional {$11.00}. Which I told him was impossible because if they give a grace period of 10 days from the XXXX of the month at the time of us speaking I still was n't late. At that point he said he would put in a request to have the matter handle. He told me it would take about a week to fix it has been a week and nothing has been done. I also have contacted XXXX XXXX XXXX Of Wisconsin ( XXXX ) which is named on the mortgage also to help resolve this issue. They are the organization that I abstained my home through. I have attached the payment ledger to this complaint so you can see exactly what is going on with my account. I have made lump some payments at time that did not get posted right. They decide to break the payments up and then they applied them how they wanted to. They will put the money towards unapplied funds or escrow payments instead of late fees or the next months mortgage payment.

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 2022-01-19
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company called " Southwest Credit '' recently sent me a letter, dated XX/XX/XXXX, claiming to have been authorized by XXXX to collect {$270.00} from me for a " debt owed. '' ( I closed my XXXX account and paid the balance in full about 4 or 5 years ago so I could change my cell phone service to XXXX XXXX XXXX ) In the letter, Southwest stated that they would settle for 45 % of that amount. They stated that I needed to respond within 30 days. I did not respond. On XX/XX/XXXX, they put collection accounts on my XXXX and XXXX credit reports, lowering my credit scores drastically. This is the fourth time I've had to contact the credit bureaus to dispute and remove this false, fraudulent charge from my credit reports -- each time placed by a different fraudulent " collection '' company, and each time for the same false charge. When I called XXXX, they said that I do not owe them anything, that my account was paid in full, and that they have never heard of Southwest or the other companies that have tried to collect this false, fraudulent charge. XXXX told me on XX/XX/XXXX that they see in my file that I have disputed and removed this fraudulent collection account a few times before, and that they have already verified before with XXXX  that my account balance is {$0.00}, paid in full. I disputed the charge with XXXX and XXXX and am awaiting the results -- again! In my opinion, what these dishonest " collection '' companies are doing is extortion, and they are criminals. I need your help to prevent them from selling this phony charge to another company who will try it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information was breached in several data bases. XXXX XXXX  breech. I know a lot of information was used, but primarily I need XXXX XXXX XXXX. XXXX, IL.XXXX  To be marked as a fraudulent address. There have been numerous activity on credit reports that I do not recognize also.

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 2021-03-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My Navient accounts have been on an income driven repayment plan for {$0.00} over the last 10 years without any prior missed deadlines. 

In late XXXX I submitted an annual renewal application 3 months prior to the original deferment deadline. Shortly after submitting my annual renewal, was in the hospital for over 2 and months fighting for my life from XXXX XXXX and was unable to sign requested documents. 

I explained to Navient representatives that my hospitalized from XX/XX/XXXX to XX/XX/XXXX was related to XXXX XXXX, but they refused to extend deferment and reported my 4 Navient accounts as 90 days passed due to XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have contacted XXXX several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my XXXX record or reported to all three agencies.

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: Coinbase, Inc.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I used my Coinbase Card ( issued by XXXX ) to purchase gasoline at a XXXX XXXX retail location in Washington XXXX DC. XXXX, as issuer of Coinbase Card, withdrew a {$100.00} bank hold for the transaction, which ultimately totaled {$43.00}. Despite this transaction occurring over a month ago, XXXX has not settled the transaction and still holds my entire {$100.00}. I confirmed with XXXX that it is indeed not their system that placed the hold but rather XXXX. I have contacted the customer support of Coinbase Card ( since they administer the account ) via phone 5 times and via email at least 10 times since XX/XX/XXXX, most recently today on XX/XX/XXXX. Coinbase Card customer support has either been uninterested in or too incompetent to resolve this issue in the rare instance that my calls or emails are responded to, the responses I have received are " this is the responsibility of a different team ( whose contact information we can not provide ) '', " please call back another time '', or other responses completely irrelevant to my problem. The result is that XXXX, through Coinbase Card, has effectively stolen {$56.00} from me. I have gone above and beyond providing information and exercising patience. It is clear that XXXX, through Coinbase Card, has committed theft of my money through a disingenuous bank holding process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: The CMI Group, 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:
On XX/XX/2020 XXXX XXXX, Credit Management LP, XXXX XXXX  and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XX/XX/2022, I applied for the XXXX XXXX XXXX Credit Card from XXXX. 
On XXXX XXXX I received a notice of rejection from XXXX, which mentioned that I may receive a free copy of the report that TRANS UNION provided to XXXX if requested within 60 days. 
After reading the letter on the same day, I attempted to do so by searching on TRANS UNION 's website, to include creating an account on their website. 
As part of creating the account, I provided the card number and security code for a separate charge card I already had. TRANS UNION then charged {$27.00} to that card. There was no mention or indication that I would be charged anything for simply creating an account ; had there been, I could have reasonably concluded that this is not the correct way to obtain my free report I'm entitled to under the Fair Credit Reporting Act. I was unable to find any information on the public facing ( i.e. not paid for ) TRANS UNION site about how to obtain my credit report ; after being logged in, I could find it, though with considerable 'digging '. 

TRANS UNION and other credit reporting bureaus should make it plain how to obtain the free credit reports customers are legally entitled to after adverse action. Additionally, it should be plain and obvious that someone will be charged and how much they will be charged on their credit cards. TRANS UNION utterly failed in both of these respects.

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