BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I contacted Coinbase on XX/XX/XXXX for help approving a transfer of bitcoins from my vault to my wallet, with the intention of selling my bitcoins ( initially it was XXXX, but now I wish to move all XXXX btc. I could not approve the transaction through my backup email address, which can not be updated on the site, so I contacted support. I was told my problem would be handled shortly. I have sent multiple follow-up responses hoping to get my problem addressed, or at least an update on when I can expect it to be addressed. My follow-up emails have all been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: American Accounts & Advisers, Inc.
State: MN
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

AMERICAN ACCOUNTS AD XXXX Balance {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
SunTrust Bank set up multiple accounts for me under the same login name. When I tried to close the accounts, the IT department of SunTrust bank explained the deficiencies in their banking platform that resulted in the difficulty of closing the accounts. First, the system should not have allowed the creation of more than one account with the same login. Secondly, because of the first oversight, when trying to close the account, certain fields in the database schema were unable to be extinguished fully, resulting in the accounts not being closed. To simplify, because of the bank 's oversights and antiquated IT infrastructure, my accounts were not closed when requested. This resulted in overdrafts and fees to the account. 

The manager of the branch assured me that they would take care of the fees since this was not my error. Unfortunately, SunTrust closed that branch ( XXXX XXXX in XXXX, VA ), and this manager was disappeared before fully fixing the problem. 

The account reached a negative balance by accruing fees of approximately {$290.00}, which fortunately did trigger closure of all the offending accounts. Then SunTrust referred that amount to their collection agency, for which they continue to hound me despite my multiple attempts to explain their error.

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 2020-04-30
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear Consumer Financial Protection Bureau, CFPB : BBVA bank is in violation of Regulation E AND 15USC1692. BBVA is mandated to CHARGEBACK {$590.00} ( UP TO XXXX ), AND GIVE ME MY MONEY. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I applied for a student loan with Discover Student Loans on the XX/XX/XXXX with the intention of going to XXXX XXXX University. Discover Student Loans did not mention in it's advertisement nor disclosures that contingent upon loan approval that a cosigner is required. When I called to speak with Discover Student Loans I was told that the reason that I needed a cosigner was not based upon my excellent credit history however an agreement they had with the university as XXXX XXXX University has/had a high dropout rate. I was not given this information prior to applying for the loan, the information I was given was unfair, deceptive, and fraudulent. It altered my individual perception as someone applying as if I would have known this information upfront in public data on their website or in the material pertaining to discolors and agreements I would not have applied for the loan. This is resulted in a hard credit inquiry on my credit report because of the company 's blatant negligence in giving consumers adequate information pertaining to student loan applications. I did see on the website that a cosigner may improve chances for approval of the loan, but nowhere did it mention that I would need a cosigner based on the university/college drop out rate. I called again to try to get more information about student loans in the later part of XX/XX/XXXX with the intention of getting information on the loan I originally have applied for as well as information regarding the process of applying for a new loan. The representative was not willing to provide more insight regarding the cosigner issue nor issue me the original document I had online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: TX
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:
Someone open an account under my name with the XXXX XXXX XXXX XXXX in the amount of {$360.00} On XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: CO
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:
I am getting fed up with everyday statuses changing on XXXX XXXX. The issue with XXXX XXXX is NOT resolved. They have been reported to OCC and Financial Ombudsman AND XXXX AND CFPB. They have charged credited and recharged an amount for {$1000.00} since XXXX. IT IS NOT RESOLVED. I paid the {$1000.00} because of the negative on my account, BUT I AM STILL AND WILL CONTINUE TO FILE COMPLAINTS UNTIL MY {$1000.00} IS RETURNED. CFPB has repeatedly NOT DONE THEIR JOB.!! I HAVE NEVER HAD AN AMT OF {$1400.00} ON ANY OF MY 2 CREDIT CARDS WITH XXXX XXXX. My allotted amounts are {$1200.00} and {$1300.00}!! I WOULD GET DECLINED IF I REACHED XXXX!!! and why would the balance be the same EVERY MONTH. I'm about to file suit against EVERYBODY INCLUDING CFPB!! I'm fed up with this. As far as XXXX XXXX. It is supposed to be removed. I have ONE ACCOUNT NOT 3 AND SHOULD NOT SHOULD PAYMENT HISTORIES FROM XXXX UNTIL XXXX WHEN I FILED BKXXXX AND STILL DISPLAYS AMOUNTS ON XXXX!!! I WANT PAYMENT HISTORY REMOVED AS PER REQUEST BY OMBUDSMAN IN XXXX!!! I WANT PAYMENT HISTORY AND ACCT FROM XXXX XXXX REMOVED AS WELL AS PAYMENT HISTORY SINCE CONSOLIDATING. I WANT RESOLVED ON MY XXXX  XXXX REMOVED. I PAID IT BUT XXXX IS STILL OWED TO ME FOR BECAUSE I WAS DEFRAUDED BY A DEALERSHIP AND XXXX XXXX HAS ALLOWED IT. THERE IS A COMPLAINT WITH XXXX XXXX XXXX FILED

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 2018-06-07
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I only became aware of an alleged debt when it appeared as a derogatory mark on my credit report for {$54.00}. As far as I am aware, I paid in full what I owed to the original creditor. If in fact I do owe this money, I was never notified by the original creditor or the debt collector : Credit Service Company XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: SYNCHRONY FINANCIAL
State: FL
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 lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from.

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Riverwalk Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. I have never been married and never have legally changed my name. I was born on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I submitted an official dispute with XXXX XXXX for reasons including possible fraud/i.d theft. I also sent the management company a letter asking to provide me with any proof or information that would help delete the incorrect info on my credit profile. XXXX XXXX or company have yet to resolve or provide any info regarding this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a CareCredit Card from XXXX XXXX back in XX/XX/XXXX. I made a charge of {$3600.00} on the card for my XXXX XXXX in XX/XX/XXXX. When I got my first bill it showed that I was charged {$3700.00} and I didn't think much about it because when I opened the card my doctor told me how there was going to be a fee for using the card. So after that, I made automatic payment to the credit card company every month. Until at the beginning of this year on XX/XX/XXXX I looked at the bill and it stated that I still owe over {$2100.00}. So I looked over all the bills and it showed that I was being charged a Card Security Fee that I have never sign-up for, that XXXX XXXX added to my account without agreement or my knowledge of it. 
On XX/XX/XXXX, I called XXXX XXXX about the Card Security that they have added to my account without my knowledge and how I wanted a refund on all the fees and interest that they have charged me without my knowledge, which at the time I thought it was {$640.00}. But when I did the math again today they have actually charged me over {$690.00}. When I called Synchrony they told me that the amount is too high and I have to call Card Security to as for the refund, and I told them that I called Card Security before them and it didn't go through because they ask for an account number which I don't have because I never opened an account with them. So the lady at XXXX XXXX decided to transfer me to Card Security. 
When I got through to Card Security and the guy about my problem he told that he can't find my account and that if I want my money bank I should call the bank and he can start a file for me so they can " check out my problem '' for me and they will get back to me. I told the guy ok, and afterward, I called the Synchrony again. 
When I got through to Synchrony again and told the lady about my problem, the lady tried to redirect me again back to Card Security, and that is when I got really frustrated told the lady that it is illegal for them to add a random service fee to my account without my acknowledgment. After that, the lady said she made a note to my account about my complaint and then hung up on me. Now two weeks after the call I have been charged interest for the Card Security fee again. 
I am not the only one who has gone through this because I have found online forums where people discussed how they have had the same thing happen to them without their knowledge.

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 2019-06-28
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Best Buy XX/XX/2019. I told them I wanted to pay off my balance and settle my account so it could be erased from my credit report. I also tried calling them 2 weeks before and talked to another representative and they told me that I could not make a payment or make a settlement offer they said that my account was in statue of limitation. I am needing to pay that off and try to get this settled so that it does not show on my credit report since I am trying to buy a house. I hope you all can help me with this company. I love Best Buy I just wish they would be helpful

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 2018-01-28
Company: Rocket Mortgage, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX  already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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:
student loans paid off XXXX XXXX 10 years still reporting on credit reports. have asked to have removed and still showing. accounts are closed ( 3 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt showing on my credit report by Phoenix Financial Services and XXXX XXXX XXXX are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( Huntington N ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I am getting fed up with everyday statuses changing on XXXX XXXX. The issue with XXXX XXXX is NOT resolved. They have been reported to OCC and Financial Ombudsman AND XXXX AND CFPB. They have charged credited and recharged an amount for {$1000.00} since XXXX. IT IS NOT RESOLVED. I paid the {$1000.00} because of the negative on my account, BUT I AM STILL AND WILL CONTINUE TO FILE COMPLAINTS UNTIL MY {$1000.00} IS RETURNED. CFPB has repeatedly NOT DONE THEIR JOB.!! I HAVE NEVER HAD AN AMT OF {$1400.00} ON ANY OF MY 2 CREDIT CARDS WITH XXXX  XXXX. My allotted amounts are {$1200.00} and {$1300.00}!! I WOULD GET DECLINED IF I REACHED XXXX!!! and why would the balance be the same EVERY MONTH. I'm about to file suit against EVERYBODY INCLUDING CFPB!! I'm fed up with this. As far as XXXX XXXX. It is supposed to be removed. I have ONE ACCOUNT NOT 3 AND  SHOULD NOT SHOULD PAYMENT HISTORIES FROM XXXX UNTIL XXXX WHEN I FILED XXXX AND STILL DISPLAYS AMOUNTS ON TRANSUNION!!! I WANT PAYMENT HISTORY REMOVED AS PER REQUEST BY OMBUDSMAN IN XXXX!!! I WANT PAYMENT HISTORY AND ACCT FROM XXXX XXXX REMOVED AS WELL AS PAYMENT HISTORY SINCE CONSOLIDATING. I WANT RESOLVED ON MY XXXX XXXX REMOVED. I PAID IT BUT XXXX IS STILL OWED TO ME FOR BECAUSE I WAS DEFRAUDED BY A DEALERSHIP AND XXXX XXXX HAS ALLOWED IT. THERE IS A COMPLAINT WITH XXXX XXXX XXXX FILED

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 2018-11-29
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Back in XXXX I receive a statement from citi bank about my secured credit card. In the statement the detail stated that my account would be close for late payments. on XX/XX/XXXX I made a payment of XXXX dollar on XX/XX/XXXX the company applied my XXXX dollar security deposit to my account with made me owing only XXXX to my account. On XXXX XXXX I paid the XXXX at that time my account was at XXXX and had already been close prior to me making that payment. I no this because i called the company the same day that i made the payment to ask if i could start back using the card. I was told by representative that my account was close and at a XXXX balance and that with a secured credit card if the account go over for late payments that they would apply what ever security deposit that was put down and that they would close the account. This all happen on the XX/XX/XXXX. then on the XX/XX/XXXX. The company charged me interest and late fees on an account the was closes prior to the XX/XX/XXXX. and they are still adding late fees to this closes account. I have call them and all am getting is that i own a fee. i am not understanding have a company can change you a late fee after you paid the payment that was due and after the account was at a XXXX balance and close by them.

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 2018-12-14
Company: AFNI INC.
State: FL
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 wrongfully trying to make me responsible for a Telephone bill, ( XXXX search States that AFNI is known for this kind of procedures ) XXXX  refuse to take this of my account stating that the information is accurate. 
I have never received any correspondence, the only reason I know about this is because of XXXX XXXX report. I have never used XXXX and have never ask for any kind of service they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I attempted to make a purchase. However, I was unable to access my credit after verifying my card and PIN information ( Exhibit A ) / Exhibit B ). During this period, my account was not in default and I had an available balance. On XX/XX/XXXX, I credited my account by phone. According to Targets cut-off time payment policy, payments submitted prior to 11 pm of the due date would be credited the same day ( Exhibit C ). I received confirmation of my payment around 7 pm. ( Exhibit D ). ( The second number is either z v or b, the automated voice system wasnt clear enough to catch that letter. ) On XX/XX/XXXX, I received a billing error in the form of a late payment fee on my credit card statement ( Exhibit E ). I contacted costumer service and spoke with an representative by the name of XXXX. I voiced my concerns with XXXX on how my rights were violated as a result of Targets error in processing my credit along with the inability to use my credit due to blockage. XXXX tried to ensure that the payment along with the late payment fee would be credited back to my account after 48 hours. XXXX also stated that he unblocked my PIN and information. I informed him that I did not consent to my account being blocked. When I voiced that I would be following up in regards to my mistreatment as a consumer, XXXX stated he was unable to provide his employee ID number. I am now being inconvenienced when I upheld my loyalty as a consumer and made my payment promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: TX
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:
Someone use my information to obtain a car loan with XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation