BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: First Advantage LNS Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
So as of late 2018 ive been trying to get further information on a erroneous collection account that was placed on my credit file by XXXX and XXXX.The company is NCAC/National credit audit corporation with a balance of $ XXXX.This account was also posted to XXXX  but has since been removed.I have written XXXX and XXXX several times as well as the creditor, requesting all documents for the above account and neither have done so. Both credit bureaus have violated the FCRA section 601 ( a ) ( 1 ) ( a ) as well as section section 623 of the FCRA, and has since then refused to remove account from my credit file. XXXX  has removed this account from my credit file but XXXX  and XXXX have failed to do so. After many letters and phone calls to the credit bureaus letting them know this is not my account, I wrote them asking for there Method of verification I received the response 30 plus days later, but the Bureaus are required to respond within 15 days when there is a request of ( Mov ) and I was sent back a phone number with no company name and no other details.The above account is also missing information witch is also relative to the FCRA. XXXX and XXXX are not conducting proper investigations into this matter. Ive also hired an Attorney to help me thru my legal matters with NCAC/National Credit audit as well as XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called Bank of America to use their zero-APR VISA  offer to pay off my {$2400.00} balance at XXXX. The operator there said they had a new MasterCard with a zero-transfer fee that would also save me the cost of the balance transfer, and could get instant approval. A minute later I was approved for $ XXXX, and they process the transfer. 

Later I learned that they REDUCED my $ XXXX limit on my VISA  down to $ XXXX to provide the " new '' $ XXXX for my new MasterCard. I called in and requested my $ XXXX be restored, and several days later I received a denial in the mail. 

This it started. First, a notice from my credit monitoring service that a credit limit has been reduced, followed a day later by notice that my FICO score had been reduced from XXXX to just XXXX. 

Then, the constant flow of new credit card offers that daily filled my mailbox suddenly STOPPED. 

I went to my local B of A branch and explained how B of A had trashed my credit. They forwarded the report to headquarters, who started Case number XXXX to investigate. 

Later, I received notice that their investigation had determined that everyone had followed their normal B of A procedure, so they would do nothing to mitigate the situation, despite the damage that had been done to my credit, and probably the credit of thousands of other previously-loyal customers. They REALLY don't care about the damage they are doing. 

So, I called back and talked to a supervisor XXXX at XXXX to discuss possible ways of mitigating this situation within their very broken " system ''. She offered to combine the two accounts into a single $ XXXX account while closing the other account. Of course this would then show an account closure, but it would also show an account increase. Unfortunately my skills like elsewhere, so I lack resources to figure out what to do, despite hours of watching XXXX videos about related issues.

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: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date open : XX/XX/2019 Amount/balance : {$6100.00} Serious past due date/assigned to attorney, collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I receive the daily notification from the USPS on mail that is supposed to be delivered to me. Due to a domestic dispute, my mail is regularily tampered with. I saw an address that stated : Return Mail only and XXXX XXXX  XXXX, XXXX MI XXXX. I did not have any idea who this was so I looked it up on line. It was listed as Diversified Consultants. I do not know who they are. I saw they are a debt collector. So out of fear that the domestic dispute was leading to collections I was unaware of, I contacted the company. I told the first rep my story and that I wanted to update my address, he transfered me. The second guy I spoke to was so unprofessional. I told him that due to the domesctic dispute I wouldnt be able to receive the mail and I wanted to update my address and have the letter resent to me. He countered with " You are disputing this? '' I repeated that I wanted to update my address so I could see what was in the letter. I had to do this 3 times. He then told me it was something from XXXX. I said how is that possible as I have had service with them since 2004. He responded with " So you are saying you have never had XXXX? '' I seriously lost my mind at this point. I said you are harassing me and saying the opposite of everything I say. I want my address updated and the debt you claim I owe to be validated and I will then respond. He stated they will only send a collections letter. I know this is a false statement. When I asked for that he needed to provide validation of any debt I owed, I talked to my attorney about that and I know I am right. I updated my address. Then the rep stated the same things again stating I was disputing the debt and claied I didnt have any XXXX service ever. I again told him you are 100 % wrong in these statements. That I was calling to update my address to see what you are sending and that I have had XXXX and the same number since 2004. As if that wasnt bad enough he started saying that he was going to call XXXX and have my phone line shut off for fraud as I claim I never had XXXX. I lost it! He has no right to affect my cell phone or my service with XXXX especially under these conditions. He then threatened to tell XXXX I was refusing help. I said help for what? I have nothing to base that on. He was way out of line. According to my attorney, there are 5 major FDCPA violations here. I have the call recorded as AZ is a one party recording state so all of my statements are verifiale in that call recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is showing as a closed account with XXXX balance on the system. However, this account keeps being run through all three credit bureaus as an active account. As a result my credit score is Lowering not only for this but multiple collections on the same account but for different amounts. This account has aged out and shouldnt even be on my credit report. This is an extremely old account. This company is saying they just found me. Ive lived at the same location since 2010. This account is marked as a charge off and I shouldnt still be penalized for it as an active account. Im being severely hurt by multiple reporting for the same account

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: Credit Corp Solutions 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:
I have disputed a collection from Credit Corp Solutions a total of four times to XXXX Credit Bureau stating this account does not belong to me. My 4th dispute sent via certified mail, XXXX received it on XXXX/XXXX/21 at XXXX. On XX/XX/XXXX2021 at XXXX XXXX notified me via email that my dispute was open. On XX/XX/XXXX21 at XXXX, just a few hours later I received an email stating my dispute results were ready to view. I reviewed my credit and my score dropped even more. Credit Corp Solutions reported to XXXX the beginning balance was {$8500.00} to {$8300.00} in the month of XXXX as if a payment had been made to them which is absolutely absurd. I have never made a payment to this company nor ever had an account with this company. There is not an inquiry on my credit report to support Credit Corp Solutions accusations. I submitted my credit report to show proof from other bureaus that my credit worthiness is outstanding and that there are no collections, {$0.00} balances on every account that I pay in full monthly and never late on my report. This collection has hurt my score tremendously. XXXX has failed me as a consumer. There absolutely was no investigation and XXXX Credit Bureau never verified this dispute that was submitted over 90 days ago. My dispute letters to XXXX are as follows : XX/XX/XXXX21... XXXX/XXXX/21... XXXX/XXXX/21... XXXX/XXXX/21. XXXX has 30-45 to verify but yet my disputes were closed in less than 30 days. No investigation nor verification by XXXX Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CMG MORTGAGE, INC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with CMG Financial and they collected {$320.00} monthly in escrow for taxes and insurance based on what my taxes were at closing. I am a 100 % permanent and total XXXX veteran so am exempt from the property taxes. The actual tax bill was {$66.00} for the year which CMG paid in XX/XX/XXXX. I requested an escrow analysis but they would not do it until a year into the loan. The insurance was due XX/XX/XXXX and they paid {$1400.00}. They issued me a {$830.00} escrow refund on XX/XX/XXXX. I have called them several times over the last 3 weeks and they are insisting on holding enough funds in escrow for {$2400.00} in taxes for next year. I sent them the letter from the county stating I receive a 100 % reduction in my property taxes. It says on my online account that my payment is going to go up by {$7.00} on XX/XX/XXXX because my homeowners insurance did go up. It should be going down because of the actual tax amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested in a previous complaint under # XXXX that the current creditor under the name Debt Recovery Solutions LLC. provide me with verification of this debt that they are attempting to claim and are reporting to the credit bureaus, in the amount of {$780.00} account no. XXXX. 
In their response which is enclosed, the company only attached a letter from another creditor under the name XXXX XXXX XXXX. 
With no details other than my name and address and a date of service of XX/XX/13. 
I was not physically present in the United States on that date. 
Furthermore I've been notified by my bank that my SSN and ID information has been compromised on the dark web by a data breach and I'm at risk of identity theft. 
Please provide evidence and verification of this debt directly from the Original Creditor including a copy of the original bill or statement, or terminate actions to collect this debt and request that the credit bureaus delete your tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Merchants and Professional Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was incurred due to medical malpractice ( XXXX XXXX XXXX, XXXX, TX ). I asked the doctor to turn over my claim to his malpractice insurance company. This has cost me thousands of dollars to XXXX XXXX XXXX. I am still trying to collect damages from this doctor. He never responded and turned over me to collections Merchants and Professional Collection Bureau , Inc. I sent them a letter describing exactly this issue and instead of not contacting me and verifying my debt they start reporting this debt to the credit reporting agencies. They never verified the debt, like I asked and they never stopped it from being reported when I specifically told them not to, due to the circumstances above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Thursday, XX/XX/XXXX, my son sent me {$1000.00} via cash app. When I went to go into my cash app account, I noticed I was signed out. They require you to sign back in using a phone number. My phone number is linked with my cash app account and I have a snapshot showing the {$1000.00} payment, also showing that I get texts to my phone whenever a transaction is placed on my cash app. 

So whenever I tried to log back in using my phone number, and my email, the app continued to prompt me to create a new account. I had no way to access my account with {$1000.00} in it. I then had my son do a " test '' and try to send me XXXX $ to my cash app to see if a text would come through alerting me on a transaction. Not only did I not get a text, but my son got an alert that my account is no longer accepting payments and has been terminated. 

I have tried many times with customer support via email, andXX/XX/XXXX, to try and get my account back. Not only have they been no help, but they have completely stopped answering me. They do not have any live voice for customer support. 

I have no other options as I have a cash app account with {$1000.00} stuck in it with no help from customer support. 

My " XX/XX/XXXX '' on the cash app with the XXXX $ in it is $ XX/XX/XXXX I decided to further my research and go on XX/XX/XXXX to see if any customers of cash app could be dealing with the same problems. It turns out, many people have been locked out of their accounts with money in it and have not received any word from customer support via email. I can also attatch photos of customers XX/XX/XXXX to " @XX/XX/XXXX' who are experiencing the same problem. @ XXXX is one of the only " Customer service '' that cash app offers. 


Photo 1 : a screen shot of my sons payment of {$1000.00} to my account Photos 2, 3,4 : screenshots of cash app users on XX/XX/XXXX who are experiencing the same problem as me Photo 5 : showing multiple emails sent to cash support with no response back Photo 6 : a screen shot of a text I received alerting that a  transaction on my account has gone through, received when my son sent me the {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from transunion has decreased by 11 points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact transunion in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX  but still appears on transunion and XXXX. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.

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 2022-10-04
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: Old information reappears or never goes away

Complaint:
Ive tried multiple times to get XXXX XXXX XXXX off my credit report it still havent been done they have all wrong information about me and I would like it removed off my credit asap they do not communicate nor apply the credit consumer act law to have this remove off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Honorable XXXX XXXX Deputy Director, Consumer Financial Protection Bureau XX/XX/XXXX XX/XX/XXXXDear Deputy Director XXXX : This is a complaint about the failure of two national banks, XXXX XXXX XXXX and SunTrust, failing to properly audit an ATM machine to resolve a discrepancy in the amount disbursed to me when the ATM malfunctioned on XX/XX/XXXX. 

I am XXXX years old, and a checking account holder at the XXXX, XXXX branch of SunTrust. However, as a matter of convenience, I initiated an ATM withdrawal of {$300.00} at a XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Once I initiated the transaction, the ATM mechanism designed for disbursing the currency mangled all the {$20.00} bills, except one, keeping {$280.00} of the cash proceeds for which my SunTrust account was debited. I was able to see the mangled bills in the ATM mechanism but could not do anything to resolve the dilemma. I espied a XXXX XXXX XXXX employee inside the bank premises and went in and implored her to assist me before another ATM patron initiated a transaction of withdrawals and thereby might receive the balance of my funds. 
The XXXX  XXXX XXXX employee scoffed at my request for help, advising me that ATM transactions are beyond the authority of their duties at XXXX XXXX XXXX. I knew this to be untrue because I have witnessed bank employees retrieve electronic debit and credit cards from ATM machines when the ATM has mistakenly confiscated a patrons card. 
So, I became more insistent that someone help me because I believed that since the cash proceeds had been delivered to the mechanism for disbursement, my account would be charged although I had been deprived of the full amount of the authorized withdrawal. 
The refusal to help me escalated to another unprovoked level when the XXXX XXXX XXXX employee beckoned security ( a XXXX government police officer moonlighting ). I was assailed by the security agent who, like me is XXXX. From there the development of events went beyond anything that can be described as rational or reasonable. 
Both XXXX XXXX XXXX and my bank, SunTrust, have denied my claims for an honest audit that would, if honest, reconcile the amount ( {$280.00} ) of cash proceeds that I did not receive from the XXXX XXXX XXXX ATM onXX/XX/XXXX 
This complaint is made to enforce my rights to having this matter conciliated in a manner that reflects the chronological developments which can be documented by the digital and visually recorded data contained within the XXXX XXXX XXXX repositories used for safekeeping records of digital surveillance and financial transactions at the ATM, all of which validate my claim.

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 2017-12-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, XXXX. I did XXXX deposit XXXX XXXX Eur XXXX into Coinbase but I did n't include the reference number and money is n't on my coinbase account. I have been chatting online with coinbase but its only comes with automatic reply. 

Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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