BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I file a complaint against HSBC and its front organization XXXX. In it, I stated the following : I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XX/XX/XXXX without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds. 

In its XX/XX/XXXX response letter, XXXX states : research confirmed automatic drafts ceased on your account when the trial modification was offered to you on or about XX/XX/XXXX. Since payments differ during trial modification periods, automatic drafts can not be completed. 

My response : I never accepted HSBCs modification offer. If HSBC has me signed off on any modification offer, it should produce it. If it does not have it, it has to remedy. 

In its XX/XX/XXXX response letter, XXXX further states : Additionally, because the trial modification payments were not made and your account fell into default, the automatic drafts could not be reinstated. As reflected on the initial automatic debit enrollment form, we may reject any request for Electronic Funds Transfer Payment if the account is delinquent. 
My response : I never accepted HSBCs modification offer so there were no trial payments to be made in the first place. 

In its XX/XX/XXXXresponse letter, XXXX further states : As of the date of this correspondence, foreclosure has been initiated, however, a foreclosure sale has not been set. The last payment we received was applied to your account on XX/XX/XXXX. 

My response : I never accepted HSBCs modification nor cancelled the automatic payment ; it was HSBC that on its own, without my consent or permission stopped it. The money has been in the account for HSBC and I urge HSBC to transfer it whenever it wishes. 

In its XX/XX/XXXX response letter, XXXX further states : If you have any questions, please feel free to call XXXX XXXX, Liaison XXXX Office of the President at XXXX extension XXXX. 

My response : I have left at least 5 messages for XXXX XXXX XXXX and more for XXXX XXXX but one has returned my call. The case manager, XXXX XXXX, refers me also to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from a man who said his name was XXXX & he was calling from American Express. The original phone number he called from is XXXX. I told him I could n't talk when he called me at around XXXX XXXX. on XXXX XXXX, XXXX. He called me back at around XXXX on XXXX XXXX, XXXX. The phone number he gave me to call him back is XXXX. 
He was trying to set up payment arrangements to pay 60 % of my total debt. He then proceeded to tell me I could make a monthly payment of {$35.00} for the next 6 months to pay off my debt. 
He then told me to go to XXXX to get a prepaid card in the amount that I owe. When I get the card, I should call him back & give him the prepaid card number. 
He asked me to verify my mailing address. I asked him what was showing on file & he would n't give me that information. I gave him my mailing address. 
He then told me I could pay the full amount at the following website : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Good evening you have recently reported that XXXX and XXXX bank is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Creditor refuses to delete seriously incorrect and very outdated data to the three credit reporting 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 2017-07-30
Company: PNC Bank N.A.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On X/XX/17 I contacted XXXX and verbally requested ACH debit authorization be removed so that my checking account was not debited. On X/XX/17, {$130.00} was debited from my account without my consent. I contacted customer service who saw that I had contacted them the day prior to remove authorization. They told me my only option was to contact my bank the next day, which I did. Now I have to dispute the payment through normal channels with the bank, meanwhile my checking account was overdrafted, causing important payments not to go through and charging me an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: DISCOVER BANK
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/ 2019, I got a notification from my ID protection with XXXX that an inquiry for credit with Discover card had been made. I never applied for credit with Discover. I immediately called Discover, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and Discover the inquiry has not been removed. Discover and the credit agency is blaming the other for it still not being removed. XXXX and XXXX are the only two showing the inquiry. XXXX state they do not accept inquiry disputes from consumers. They refuse to accept the letter Discover Card sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point from getting a top tier interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
on XXXX XXXX ( Friday ) at approx XXXX pacific time I sent a transfer of XXXX Ethereum from Coinbase to their Exchange platform XXXX. These transfers are supposed to be instant and free, they are advertised as such, and have always been for me in the past. 

On this occasion the XXXX ... ETH never appeared in my XXXX account and appears to be floating around in cyberspace somewhere. 

I have opened a case with XXXX via email Immediately and havent heard back, my case number is # XXXX. After opening the case via email I sent a written letter to Coinbase in XXXX XXXX, I then called and waited on hold for 2hrs before being disconnected. I waited on hold the next day and was again disconnected after 2hrs. On the 3rd day I got through to a representative of Coinbase after 1hr45min. 

Talking to customer support he assured me the issue would be resolved in my favor, I received an email right after the call saying the problem would be sent to the appropriate department. This phone call was a week ago and havent heard anything since about my missing Ethereum.

When I sent the Ethereum its value was approximately {$2200.00}, the approximate value of the Ethereum is now {$3600.00}.

Please help me get my Ethereum back. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
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: Public record information inaccurate

Complaint:
I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Atlanticus Services Corporation
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I received to a credit card offer from Fortiva by mail.I responded by phone to accept the offer. I never received the card. I did receive a bill with unknown and unauthorized charges for which I immediately completed a fraud affidavit and returned it to their company. I have since called their customer service and fraud departments over ten times in the last six months trying to get this off of my credit with no results. I never received the card, never used the card, never activated the card, and they have adversed my credit with the credit bureau and placed me for collection. I am a victim of Fortiva credit card scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We have been banking at BofA for many years, maintaining substantial balances from time to time. In XX/XX/XXXX, we bought a home in South Carolina and agreed to let the seller rent the home back from us for 3 months at {$2500.00} per month. The final rent check was machine deposited at BofA and reported on our monthly statement as a {$2500.00} check, but 24 days after the deposit, BofA determined our renters check was just {$25.00}, not {$2500.00}, and reduced our account balance by {$2400.00}. BofA tells us to get the money from the renter, but he moved out of the home during the 24 days, leaving us out {$2400.00}. 

Here are the details : The rent check was deposited on XX/XX/XXXX along with other checks, by BofAs machine deposit system. The deposit slip shows the {$2500.00} check. So does our BofA bank statement sent to us on XX/XX/XXXX. But, more than a month later when we received our XX/XX/XXXX BofA statement, we learned that on XX/XX/XXXX, 24 days after the deposit, someone at BofA concluded our renters check was for {$25.00}, not {$2500.00}. 

When we learned of BofAs delayed interpretation of the check, we asked our renter to pay us the balance ; he refused, saying he was sorry and it could have been caught sooner. BofA says we should sue the renter, but we feel certain BofAs negligent handling of the deposit, e.g., accepting the deposit and reporting that acceptance for the extended period ( 24 days ) our renter was still in our home, is the reason we have been shorted {$2400.00}. 

We believe the language of BofAs Deposit Agreement and Disclosures, which we received from the local branch, governs the issue. According to page 25 of that document, BofA reserves the right not to ... adjust ... for ... deposit errors. If the renters check was erroneously drafted, BofA compounded that problem by reporting the check as properly drafted for 24 days, then changing its position and damaging us by {$2400.00}, We can provide documentation if necessary.

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 2017-07-29
Company: Synovus Bank
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed my {$500.00} limit credit card account # XXXX with First Progress Credit in  XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted First Progress in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 First Progress charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly XXXX points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: ROBINHOOD MARKETS INC.
State: CA
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:
Hello On XX/XX/2021 I ordered from XXXX XXXX XXXX for {$440.00}. I found out that the order I'd made my order incorrectly and canceled it with XXXX. I was told the refund would take 10 days but when more than 30 days had passed and I had not gotten a reply to my emails to asking about the refund, I disputed the charge with Robinhood in XX/XX/2021. 

I gave Robinhood pictures of the receipts and explained what happened. 

In XX/XX/2021 I received an email from XXXX  that my refund for {$440.00} had been submitted. 

It is XX/XX/XXXX and I have not gotten a refund or a credit back to my account. 
As I write this I'm talking to a " XXXX '' at Robinhood customer service ( XXXX ) XXXX This is the strangest customer service experience I've ever received. He doesn't appear to understand anything I'm saying and is talking in complete circles to me. 
I am getting no help whatsoever from Robinhood. They are just playing games with me.

Robinhood is claiming that there is a transaction in my account, not visible to me either in the app or online that explains where my {$440.00} is. The {$440.00} is not in my account and no one can explain this to me. 

Robinhood has sent me back an email saying they will not issue me a refund and they are impossible to get on the phone and are not responding to emails or pleas on social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.

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 2018-01-08
Company: RFNA, LP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The finance company sent me a threating letter stating they were taking me to court and that I had five days to catch up payment. As of X/X/18 payment is two months due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation

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 2022-01-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: CORELOGIC INC
State: IN
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 identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX XXXX Bank Mortgage 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