BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One account XXXX was opened on XX/XX/2021 and report to the credit bureau approximately XX/XX/2021. When i received the alert I immediately disputed with the Credit Bureau as I did not authorize or open this account. 
I contacted Capital One Fraud Dept on XX/XX/XXXX or XXXX to inform them the card was opened and did not belong to me. The supervisor I spoke with was able to locate the account and confirmed the Social Security number and Telephone number was not a match, She updated the account as fraud and stated they would start an investigation. 

On XX/XX/XXXX I received an updated from Transunion stating the account is verified and accurate. I contacted Capital one back to find out the results of the investigation, XXXX, The fraud account manager Employee ID XXXX, informed me the account was mark as Fraud, along with the transactions. XXXX stated according to the notes the Credit Bureau Disputes team updated the report from XXXX  as accurate because the address match. 
XXXX also stated their are several items that are disprenceny such as, Social Security XXXXumber on Application. but the CBD team indicates because the address is a match this is valid. 
I did not open this account, I have several other accounts with Capital One however this account does not belong to me and I feel this company has violated the FCRA in its entirety. 
They have not removed the account from my credit report although they are some discrepancies in the information provided. If my social security number is not a match the account should NOT be reported as accurate and/or valid. 
Im unable to solve this with the company directly therefore I'm filing this compliant for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: PA
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:
Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2018 Good Morning, this letter is in regards to my accounts that are paid off. I would like this information to be updated on all of my credit reports. All account should state paid in full with a positive history of payment. Please see attached proof of payment and positive payment history. 

The correct information is with XXXX -- -- Paid in full XXXX -- -Paid in full XXXX -- -Paid in full Thanks 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 2021-09-20
Company: EQUIFAX, INC.
State: WI
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 submitted a request for deletion of multiple duplicate student loan accounts for the past year with no solution. I have spoken with agents from company and sent many dispute letters. They have only removed 4 of the duplicate accounts but there are 4 still remaining and company keeps giving me different numbers to call with all of them saying they are not the right department. I need this removed from my credit bureau report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: eToro USA LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I logged onto eToro website in order to buy some crypto currency. After trying to get the account set up and working I tried to cancel the account because the currency I wanted to buy wasn't available. After that date eToro tried two more times to take out the original authorized {$200.00} dollars. After the final attempt I had to call my bank and stop payment. I then received a letter from XXXX XXXX XXXX saying they were turning me over to collections for the original {$200.00} plus {$50.00} for a returned item fee. I have tried numerous times to call this company and only receive pre-recorded messages directing me to their non user friendly website. I am not using this companies services and want nothing to do with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Chime Financial Inc
State: LA
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: Problem with personal statement of dispute

Complaint:
I got a credit builder card with Chime when getting the card it never said anything about a credit limit and after talking to them yesterday it never was one I was transferring my own money onto this card spending my own money then after checking my credit my score dropped from XXXX to XXXX and it was because of this card after talking to them about reporting to the Credit Bureau about credit I wasn't getting from them they said when getting a new credit card your credit score do this but the problem is they said I had a {$220.00} dollar limit that doesn't exist but they reported like it was dropping my credit score down for credit I'm not getting and will not resolve the problem they have caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
At the beginning of the week of XX/XX/XXXX I brought a {$9200.00} cashier 's check from XXXX XXXX  issued on XX/XX/XXXX with the words " void after 7 years '' printed to the right of the issue date. 

I brought it to the TD Bank in XXXX, Maine where I have an account. I gave the cashier 's check, which is valid until XX/XX/XXXX, to the teller, and the teller gave me {$9200.00} in cash. On XX/XX/XXXX I checked my account balance and discovered that my account was showing a negative balance of more than {$7000.00}. Why? Because TD Bank had deducted the {$9200.00} from my checking account and charged me more than {$80.00} in associated fees. 

When I contacted TD Bank about this, they told me that their check cashing department had returned the check for a " stale date '' because they don't accept any checks that are older than 6 months. This is despite the fact that 1 ) a teller had INDEED accepted and cashed the check 2 ) cashier 's checks are prepaid monetary instruments unlike personal checks which are a guarantee to pay 3 ) the check was still valid.

I discussed those three points with the TD Bank local branch manager, and asked what TD Bank would do if someone who didn't have an account at their bank cashed a cashier 's or traveler 's check that was more than 6 months old. Her response was that 1 ) they won't cash either cashier 's or traveler 's checks for people who do not have accounts at their bank because " all checks are the same '' 2 ) regardless of the expiration date on a check, they will return all checks more than 6 months old. 

I asked what I was supposed to do, and she said to call XXXX XXXX. After more than 90 min on hold waiting for a supervisor at XXXX  ( no one at the first level was able to help ), I was told by XXXX  XXXX  that I should call TD Bank. I called the local TD Bank back and told the manager that XXXX  XXXX  said it was a TD Bank issue. She then said that, regardless, there's nothing they can do.

When I asked the manager what I'm supposed to do now that I had neither $ XXXX fees in cash nor my perfectly valid cashier 's check, she said that I would be receiving an identical and legal reissued copy of the cashier 's check in the mail. I asked her if I could then bring that one in for cashing and she said I could not because it would have the same date as the original. I asked what I was supposed to do with it then, and she said " bring it to a XXXX branch. '' ( The nearest XXXX XXXX  is almost TWO HOURS from here. ) As it stands I'm without my cashier 's check, without the {$9200.00} that my daughter paid for the check, and without the fees incurred as a result of TD Bank cashing my valid check and then refusing to process it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked.XXXX continues to call using both manual and Robo calls from multiple spoofed phone numbers.

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 2020-11-10
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Well trying to send money through The website https : //transferwise.com/ Because I have digital photographs of what they actually tell me is being sent the price changes the times constantly change I have no idea if the money been sent or the money been taken they refused to contact me : Because theyre XXXX  around I want their legal department mailing address and their United States federal tax ID number theyre conducting business they have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I do not want my loan to be serviced by XXXX XXXX. I Have been a loyal Chase customer for 14 years. I have other account contingent on my home loan with Chase. Do Not switch my loan to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Dream Center Education Holdings
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I attended XXXX XXXX XX/XX/XXXX - to mid XX/XX/XXXX. I was using FASFA and other student aid that covered my tuition balanced. Fall / Winter of XX/XX/XXXX my school location XXXX XXXX was closed. XXXX XXXX   filled for bankruptcy which caused multiple campuses to close down. Due to the school closing and only being a semester away from obtaining my degree I could not and did not receive my XXXX from XXXX. On the FASA / STUDENT AID websites has laws and forms stating that if a school closes before obtaining a degree you do not have to pay your student loans back. This summer of XX/XX/XXXX Ive been contact and harassed by XXXX XXXX XXXX saying that I owe them money. Apparently XXXX sold my account balance or they bought out my balance ( that I do not owe ). When I explained to them why I shouldnt owe a balance I was accused of lying and acting immature. 

Being told by an employee of XXXX XXXX XXXX you need to stop acting immature and figure out how youre going to pay us our money ~ XXXX XXXX. 

Well, thats not true youre lying because XXXX XXXX is obviously still opened ~ XXXX XXXX Not only am I being harassed but the two phone calls that Ive received from them their behavior was disgustingly out of line. Also, being accused of lying and saying that I agreed to pay which I never agreed to. I have no choice to believe that XXXX XXXX XXXX is apart of the politics that are currently against my family. There is no reason on how I owe the XXXX XXXX money when I have documentation on my FASFA that my tuition was covered. I also received a grant from the XXXX XXXX that covered my art materials. There is no such thing as me owing a personal balance if there was no personal charge to begin with. Even in the document that was emailed to me the numbers did not make sense. I went to go review the document again and it appears as unavailable. It seems very suspicious and I believe they are messing with numbers. There is no way my account should have a charge or balance. Also, if I owed a balance to XXXX   I should not have ever received my official transcripts from them. 

This file contains my document that was emailed to me about my balances that is now no longer available. I cant even see my balance for myself. I do not trust this company at all! Seems very suspicious. Its no way I owe my school money at all. 

These are also the reviews about XXXX XXXX XXXX. Other people have experience this same tacky behavior and believe they are also suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My dispute process began in XX/XX/2021. Upon reviewing my credit report I found a tremendous amount of errors. I immediately gathered all of my credit reports from Transunion, XXXX, and XXXX. None of the accounts had consistent information such as personal information, date of last activity, and reporting payment history after the accounts were charged off. I did not want to appear frivolous, so I tackled a few at a time however ; with such hard time they were giving me, I could not handle the rest of the errors. 
My accounts has been under investigation now for 60 days.

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 2021-09-20
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt of {$94.00}?? to XXXX. When I went to get XXXX work done, they asked for that payment. I paid. 

XXXX insisted that I owed them and to pay them. 

When I checked my credit report Radius Global was on it. I have no contractual obligation with them, I owe no money to them and I received no mail from them or phone call. 

After I paid XXXX as they asked me, I got a notification from Radius stating that I paid after the chargeoff. 

I am not going away and will file a lawsuit later today. 

I never recieved mail or phone calls from them. I had no idea who they were until they reported on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase sold my bitcoin and didn't give me the proceeds. 
Coinbase 's records show for XX/XX/XXXX, a sale of XXXX bitcoin for {$49000.00} using my XXXX XXXX account. The transaction is marked as " completed '', but as of XX/XX/XXXX no funds have arrived at XXXX. Reference code XXXX. 
( Screenshot XX/XX/XXXX at XXXX.XXXX  ) .-.-.-. 

Previous sales of bitcoin resulted in successful transfers of funds to that same XXXX account on XX/XX/XXXX, XXXX, and XXXX, so a failure of the ACH transfer process is implausible. 
.-.-.-. 
My attempts to recover the missing {$49000.00} : .-.-.-. 
XX/XX/XXXX : I inquire through Coinbase 's online support system about the missing {$49000.00}. The case is assigned Case ID XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase email tells me someone is " working with a specialist '' to address the problem. 
.-.-.-. 
XX/XX/XXXX : I ask by email when I might expect to hear from Coinbase. 
.-.-.-. 
XX/XX/XXXX : I phone Coinbase 's support number, but can not get any concrete information about schedule. 
.-.-.-. 

Previous history that might be relevant : XXXX. 
A previous mixup on Coinbase 's part might have contributed to the present problem : .-.-.-. 
XX/XX/XXXX : I sell XXXX bitcoin from my Coinbase account, which should result in a deposit of {$49000.00} into my XXXX account. No money arrives. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : Coinbase notifies me by email that " this transaction [ ... ] was canceled by your bank '', and restores the XXXX to my Coinbase account. I visit my bank, where energetic inquiries can not find any evidence that a deposit was attempted. Alarmingly, the email is phrased in a way that suggests that Coinbase thought I was purchasing, not selling, the XXXX bitcoin. 
.-.-.-. 
XX/XX/XXXX : I email Coinbase to point out, emphatically, the possibility that they had mixed up buying and selling. 
Case # XXXX. 
( Screenshot XX/XX/XXXX at XXXX ) .-.-.-. 
XX/XX/XXXX : I start moving bitcoin from Coinbase to a different bitcoin exchange, XXXX. My first tentative transfer is at XXXX PST. When I attempt to transfer the rest of my bitcoin, at XXXX PST, I notice that about 3 bitcoin are missing, and that a transaction has been recorded for the sale of XXXX bitcoin and the deposit of {$49000.00} to my XXXX account. This is the deposit that was never made. 

( ( Hey, CFPB webmaster : this would be much more readable if you gave us some formatting ability. ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Santander consumer USA has been advised of fraudulent auto loan issued by auto dealership XXXX XXXX XXXX XXXX TX, Formerly known by XXXX XXXX XXXX mis represented loan requirements plus added state sales tax to the loan against my wishes. Vehicle purchase was on XX/XX/2019. 6 months have lapsed and dealership has kept approximate {$2800.00} that was added to loan specifically as state sales tax. Santander usa has  been notified of vehicles status and inability to be legally driven due to dealers failure to license / register, pay sales and title. Dealer temp tag expired mid XX/XX/2019. I purchased vehicle in Texas as non resident and there is a distance of XXXX miles between my residence and dealership. Dealership has ceased all communications with me and has decided to completely ignore all my communications. Upon last communication from dealership general manager XXXX XXXX, XXXX via email notified me that by XX/XX/2019, I would have plates for vehicle. XX/XX/2019 has passed and I received nothing. State DMV confirms they is currently nothing in their pending files that matches vehicles Vin. I have spent countless hours advising Santander usa of  dealers current default by breach of contract and not complying with stipulations in contract, in addition I remind Santander usa that as of mid XXXX I am making payments on a loan for a vehicle my family and myself can not legally drive. Santander usa has opened and closed 3 escalations and offered zero resolution to matter. Santander continues to profit of loan interest being fully aware dealer has defaulted. I have advised Santander usa of my demand to dealer to unwind loan and intent of purchasing a replacement vehicle as of XX/XX/2019. Complaint to Texas DMV and  dealers board has been filed and awaiting results of investigation. Meanwhile dealership continues to ignore my communications, has pocketed approximately {$2.00} ; 800, Santander usa profits from monthly loan payments, and vehicle sits on my property unable to be legally driven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involve.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 JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Cap One letter XXXX dated XX/XX/XXXX Why is still XXXX chargeback credit still pending? {$33.00} other 3 have been credited (! ) I do not understand XX/XX/XXXX letter, do you need any other info paragraph 2 says '' decision remains unchanged '', what decision are you referring to? XXXX {$33.00} no credit afforded, if so why? 
Do you need more info? 
XXXX had State of Emergency and cancelled all domestic flights. My XXXX flight to get there was refunded by Capital One Expalin, please

Company response to consumer: Closed with monetary relief