BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, I have a transfer that was created XXXX XXXX and should have arrived XXXX XXXX the latest. The wire was for {$10000.00} and I was charged with a {$25.00} fee which I agreed to. I 've contacted the company and emailed them they let me know it would arrive today and it has not. I was promised 1 business day transfers. 

XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX {$9900.00} USD COMPLETED REFRENCE : XXXX account is under my email XXXXXXXXXXXX Please look into this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan is in forbearance. As of today 's date   XX/XX/XXXX     I tried calling Navient at  XXXX  and  XXXX  to talk about starting repayments.  <P/> I had to call  three  times to the  XXXX  number. It is an automated system that simply disconnects the call and refuses to turn the call over to a live human being.  <P/> I then called the  XXXX  number and received a human being outside of   XXXX  . I requested a supervisor in  XXXX . After a five minute wait the operator to whom I had made the request came back on the line and stated that " they had no direct number to a supervisor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: OR
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:
I tried correcting the incorrect information of my name address and accounts and inquires but the CRA just wont fix the problem

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 2019-07-31
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There were undescribed charges on my account for a XXXX, XXXX, for XXXX that was taking out of my account not monthly, it was taken out whenever sometimes 3 or 2 times a month. The bank doesn't even know what company it was. I made a dispute with the charge with the bank but they right away denied it not even looking into the charge or the company. I looked up the company myself and the XXXX   have the company down as a possible fraudulent credit reporting agency with many problems. I tried to get in touch with the company but they keep saying the issue is going to get corrected but they never did, as a matter-of-fact, they can't even find my subscription. I even tried to log in to my supposed subscription and couldn't log in, it keeps giving me an error on my email address and I tried both of my emails. The American Express Serve customer service done the dispute but within 5 days they denied it. They did replace my debit card like that was going to refund my money back. The XXXX fraud company supposed to be monthly subscription but the was taking out more than once a month. They keep telling me to contact the company but it's not possible to get anything done with the company because it's a fraud, so they say they will fix the problem but don't. The XXXX was stating that this company has many different names as well. No email was ever sent about the drafts at all! 
Charges dates and amounts from start of the first draft. 
XX/XX/2019XXXXXX/XX/2019 XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX continues to report a default from over 20 years ago. 
They need to remove this all together

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 2017-09-14
Company: Experian Information Solutions Inc.
State: IL
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, 2017 I tried to freeze my credit with Experian. They make this exceedingly difficult and frustrating to do so. Their first form required collecting my credit card and SSN before finally notifying me that for some reason I could n't use this page and would have to either mail many sensitive documents or upload them. When attempting to upload the documents, the require extremely small file sizes, making it an extra hassle to get the documents together. Even though I had documents of the correct size and file type according to their specifications, I received an error that my documents were too large. After lowering the image resolution further to try to comply with their requests. I get a message along the lines of I had " exceeded the maximum number of attempts. '' Look. They 're obviously trying to make this difficult to do so that we 'll buy their monitoring products out of fear of someone stealing our identity or not be discouraged from taking out credit products due to the freeze. This is highly unethical and overly burdensome to consumers. Freezing credit should be easy, if not a right. The fact that they try to make this almost impossible to do is ridiculous. 

As of now, I am still unable to freeze my credit with Experian.

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 2022-02-10
Company: Experian Information Solutions 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:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX  : XXXX -- -> : {$1100.00} XXXX XXXX : XXXX -- -> : {$250.00} XXXX XXXX XXXX XXXX XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX  : XXXX -- > {$2200.00} XXXX XXXX XXXX  : XXXX -- > {$140.00} XXXX XXXX XXXX XXXX  : XXXX -- > {$3100.00}

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 2022-02-10
Company: EQUIFAX, 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$1100.00} XXXX XXXX  : XXXX -- -> : {$250.00} XXXX XXXX XXXX : XXXX -- XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX -- > {$2200.00} XXXX XXXX XXXX XXXX XXXX -- > {$140.00} XXXX XXXX XXXX XXXX : XXXX -- > {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

My student loan accounts and payments are not uniformed across the XXXX credit reporting agencies. Transunion and XXXX are still reporting late payments on a closed account while XXXX has the accounts removed. 

Everything must be uniformed across all credit reporting agencies and if not it is an inaccuracy and violation under the FCRA. 

The account number and dates of these accounts are : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/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 2018-01-02
Company: Experian Information Solutions Inc.
State: GA
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:
Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.

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 2018-01-02
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX. I made a same day {$9000.00} wire deposit transfer from my regions account with address as follows : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; to my coinbase account who as a company uses XXXX XXXX XXXX. The recipients address is as follows : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. 
The recipient bank address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The company is not responding to queries and the recipient bank is not being helpful. 

This money has yet to appear and it is Tuesday the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: MI
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 am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

My student loan accounts and payments are not uniformed across the XXXX credit reporting agencies. XXXX and Equifax are still reporting late payments on a closed account while XXXX has the accounts removed. 

Everything must be uniformed across all credit reporting agencies and if not it is an inaccuracy and violation under the FCRA. 

The account number and dates of these accounts are : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to log into my Transunion account online since XX/XX/2020 ... I have contacted Transunion on 4 different occasions via phone attempting to get access to my account online so that I can see my credit score and manage my accounts to ensure there are no errors, as well as manage my freeze on my credit profile and I have not been successful. They have provided me with an error code of # XXXX, via phone, but this error code has not been fixed to allow me to access my credit report on line, so I can monitor 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 non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: NY
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:
ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT

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 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for XXXX {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.

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 2021-09-16
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection for {$70.00} to XXXX XXXX XXXX hit my XXXX account XX/XX/21. Franklin Collections initiated the collection. I emailed them a verification directly from XXXX XXXX XXXX showing the charge -- exactly {$70.00} -- was paid fully and on time.. 

This has been emailed and ignored by Franklin multiple times since then.. On XX/XX/21, I received a letter from them dated XXXX that they were continuing with their collections effort. 

Based on the almost 200 negative complaints on the XXXX  website, this is a common practice at Franklin Collections. They make a false claim and try to bulldoze it through smaill claims court as a bad debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have called Freedom Mortgage several times on XX/XX/XXXX and XX/XX/2019 as well as today. I have asked them several times about my yearly escrow analysis which is done the first week of XX/XX/XXXX every year. The representative today said she does not see where they have started on my escrow analysis and that my mortgage payment will still be the same next month. I told her " that would not be fare because I have already did my own calculation of my yearly escrow analysis and my payment will go down as well as they would owe me a escrow refund check. She stated that, since she does not see where they have started on it all she can do is put in a request.

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 2019-01-23
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX 's student XXXX XXXX Washington XXXX XXXX College XXXX Instructor : XXXX XXXX Graduation completed Honor Roll G.P.A. XXXX XXXX No proof of deferment of Stafford loan through financial institutions Sallie Mae No proof of certification is available for transcripts of educational data or credits XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter to XXXX XXXX XXXX on each attempt dated XX/XX/18, and XX/XX/18 to XXXX XXXX XXXX for Validation of the alleged debt that they claim I owe to their company and that is appearing on my credit report. I specifically asked for a signed agreement and other supporting documentation as proof of claim of the accountancy. The request was not adhered to. XXXX XXXX XXXX have been reporting alleged charged off debt to the credit bureaus as verified and I am asking that the alleged account be deleted 30 days has passed each attempt to retrieve the information. The account was never verified nor validated.

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 2022-02-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I contacted one ink on XX/XX/XXXX when my insurance company issued me a payment of {$3400.00} and went to a virtual card that is backed by this company. I tried to do a transfer to my checking account XXXX, XXXX XXXX doesn't do transfers to XXXX, I was only trying to get the funds into my checking account the easiest quickest way. We discussed it during the call that an acquaintance that was at my house, to have the funds transferred to his account, I was under the impression it would immediately be transferred. XXXX XXXX  took his information from me XXXX XXXX at first, but everything was very confusing and h ees took the phone gave them his information, XXXX XXXX, bank is XXXX XXXX, they knew I wasnt the account thg holder, but they put me as owner of account and made transfer without my initial approval, and they told me the time frame 1 to 4 business days after the transfer was made. Because of time frame I stated I did not want to make the transfer on the same call. I spoke to a supervisor and they said they could not stop it but there was no problems because I could get ahold of my adjuster and they can stop paymen. That was a Friday evening. I contacted American modern immediately, they sent emails to my adjuster and supervisor because my adjuster wasn't in until the following Wednesday. I contacted American modern all through that week, starting on Monday, they said they were putting a stop payment, there should be no problems. I contacted them multiple times, I could never get any phone calls or emails back from anyone. I found out they could not stop payment, and said I needed to dispute with XXXX XXXX XXXX XXXX XXXX had me as account holder XXXX XXXX XXXX XXXX his name. My adjuster stated they where not supposed to transfer funds to a non insurer. So they initiated the transfer without my confirmation and they did not give me a time frame until after the transfer 1 to 4 business days. I told them I did not want to do the transfer. They said they couldn't back out of it. Now I don't have the funds, can't get ahold of XXXX XXXX, I've tried and tried, and I did not give it the final okay before they submitted it. I've tried to correct this, and would have never transferred, knowingly it was going to be 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 non-monetary relief