BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated this wire transfer and they still have yet to email me an update or respond to me in any way. This is not acceptable. Almost a month for a wire transfer - that I paid for?! 

Account : XXXX Bank : XXXX XXXX XXXX Total Amount : {$27000.00} Withdrawal reference : XXXX Withdrawal initiated : XXXX XXXX, 2017 Expected arrival : XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received an SMS message from Huntington that there was a suspicious transaction on my debit card. I immediately called Huntington and confirmed the transactions were not initiated by me and I was unaware of them. My card was closed a new card was ordered. Within 5 minutes, I received a call back from Huntington to confirm the new debit card order. I decided that I didn't want to get another card. I was told that in order to cancel the card, I had to type in a confirmation code, which they had provided to me. I assumed that was the end of my problem. However, a few minutes later, I looked at my account and saw that {$840.00} had been taken out of my account via XXXX. I don't even have XXXX and if Huntington provides this product as a service, they did not do me any service by just allowing it to be on my account. I have never used XXXX in my life. But someone sent {$840.00} from my account to an account at XXXX bank. When I called Huntington back immediately, I was told that the XXXX account belongs to someone name XXXX XXXX ( whom I do not know ). They said the Huntington XXXX account had my name on it, but someone else 's phone number. That phone number is XXXX. According to XXXX, area code XXXX is in Alabama. I live in Ohio. I have no idea who's phone number that is or how or WHY Huntington allowed someone to set XXXX up with a phone number that doesn't match my records. 
I filed a dispute with Huntington immediately because I did not and have never authorized anyone to send a XXXX transaction from my account. I did not and have never sent a XXXX transaction myself either. Imagine my surprise when I received a letter in the mail that Huntington denied my dispute and said " this is a valid transaction ''. How on earth could this be a valid transaction? I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, 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
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: TX
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 memorandum is in reference to XXXXXXXX XXXX located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if XXXXXXXX XXXX would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within XXXX XXXX  to cancel my application and he did not. He did take the funds that XXXX had given to him.

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 2022-01-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a private Signature Student Loan currently with Navient loan company and formerly Sallie Mae. The loan is currently at the amount of {$31000.00} with a variable interest rate of 8.625 % earning approximately {$260.00} in interest monthly with my monthly payment being {$430.00}. The loan was disbursed while I was attending the XXXX University in XXXX after I transferred from Virginia XXXX XXXX in two payment on XX/XX/XXXX for {$12000.00} and XX/XX/XXXX for {$12000.00} for a total principal balance of {$24000.00}. It was then sold to Navient XX/XX/XXXX for {$35000.00} approximately {$11000.00} over the original principal. I was in 6 months of forbearance from XX/XX/XXXX to XX/XX/XXXX and have been paying monthly ever since. My loan principal despite being paid toward for this length of time has never decreased to the original amount of {$24000.00} and is currently at {$31000.00}. I believe this loan company, Navient, and previous loan company, Sallie Mae, each have been predatory in their actions towards me and mismanagement of the loan repayment process. I have spent considerable money doing my part to pay down this loan Ive 7 years and not only has {$0.00} gone towards the original principal of {$24000.00} but only {$3300.00} has been paid toward the original buying price that Navient purchase my loan at in XXXX! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts with this company to receive the proper debt validation on this debt they allege I owe them. There have been multiple certified letters and to date the information requested has not been provided. The collection agency has reported this debt verified to the credit bureaus so I am well within my rights under FCRA to request the legal supporting documentation to validate this debt. As you can see, United Revenue will only respond that this is an emergency debt and my claims are frivolous. Requesting documentation that validate this debt that are reporting on my credit profile is not frivolous. If they have proof of what is owed and can validate this debt then they should not have no issue supplying what is requested. This explains why there are multiple unanswered complaints from them to the Better Business Bureau-their operation is not being conducted legally!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Balance incorrect. Short-term XXXX insurance was carried on this card and payments were made by myself and the card 's insurance. This balance is being recycled/sold and the amount owed is fabricated/misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: NJ
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2017-07-30
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:
The following accounts are fraud and do n't belong to me. I have disputed with XXXX, XXXX XXXX & Experian a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.

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 2022-01-13
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made the last two monthly payment via online banking. Ive paid the same way for years. Both payments were returned by the mortgage company. XXXX I paid on XXXX and it was returned the XXXX. XXXX I paid on XX/XX/XXXX and it was returned on XX/XX/XXXX. I tried to reach them by phone several times, but to no avail. Wait times to reach an employee are outrageous. I tried the online chat twice. I started the last chat on XXXX, they responded back but not to my satisfaction and then closed the chat! I then emailed them screenshots of my complaint is with my mortgage provider, mr cooper. my online banking showing the payments and the return of payments. They replied back that the payments were returned. I replied back that yes the were returned, That is why i am trying to talk about it with them. I havent done anything wrong, ive made payments the same way for years. The last response from them just stated my mortgage has not been paid since XXXX and all late fees are valid. I responded that i want to get current and am willing and able to pay but why should i be penalized with late fees and negative marks on my credit score. My best contacts are email XXXX or phone XXXX XXXX XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, 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
Consumer complaint received 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts are fraud and do n't belong to me. I have disputed with XXXX, Trans Union & XXXX a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.

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: Consumer Portfolio Services, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received several phone calls from various numbers from this company. The last inappropriate call was received at XXXX on a Sunday. I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/22 XXXX am rocket mortgage called my cell phone. I did not answer as I was at work. The number that called me was XXXX. One minute later the secretary said rocket mortgage was on the phone asking for me. My work number. I answer thinking something must be wrong. Rocket mortgage just bought my loan so I was hoping something wasnt wrong. Nope!!!!! It was a sales call. Refinance. The girl said that this was the number she was given. I was very very angry and stated that she has my info because I had to give my work number when I applied for my loan years ago. Again I was furious. Sales calls at work is absolutely out of line. I understand that this is probably not a big deal considering the complaints you get but I needed to notify someone due to the fact that I am a XXXX XXXX I work in a XXXX taking care of very sick patients and COVID patients. The hospital like most is short staffed and the stress level is beyond comprehension to someone who works from home selling loans. I am still beside myself because it is in my mortgage paperwork where I work and the girl who called me called me at work knowing it is a hospital. I know collection companies are not supposed to call people at work. I am not sure if your mortgage company to whom you are in excellent standing are supposed call you at your place of business to sell you refinance loans. Thank you. XXXX XXXX XXXX. 

Ps I have not contacted rocket mortgage for any services whatsoever. My loan was sold to them. This is the only reason they have my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
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:
All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX figure a couple of weeks later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30
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 XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XX/XX/2014 Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: IL
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:
Equifax, XXXX and XXXX  are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/XXXX received call we let go to voicemail claiming to be Capital One. Stated : " There was a problem with your account, but we have resolved it. If you have any further questions, call ( phone number given ). We ignored it as a scam call. XX/XX/XXXX received bill from Capital One and were surprised to see two new names authorized to use our account, XXXX XXXX and XXXX XXXX. The week prior, a collection company letter was received about a overdue XXXX XXXX XXXX bill for a XXXX XXXX we returned to sender. 

Called Capital One and eventually got to the Fraud Dept. New cards would be issued to us, but subsequent email to us stated new cards would also be issued to XXXX and XXXX. Called Cap One again and were assured that is not true, but no one could state why the email was sent saying otherwise. 

File a fraud alert with XXXX. Filed identity theft report with local police. They said to get the address where the cards were sent would be helpful if they are local. I called Cap One and Fraud Dept reported these fraudulent cards were sent to XXXX, Wisconsin, but claimed federal law protects the confidentiality of the crooks who stole our identity. I was given another number and a fraud report number : XXXX. I was given a phone number to text. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am enrolled in automatic monthly withdrawal with XXXX XXXX. Several months per year XXXX XXXX schedules payments on a weekend or a Sunday. As a result, even though I am enrolled in automatic withdrawal and the funds are available it take more than 3-4 days to process the automatic withdrawal and I start getting notifications that my account is falsely pass due. This is a sloppy and unethical business practice. XXXX XXXX needs to use best practices and act ethically as an organization. Receiving late notices when I am enrolled in automatic withdrawal is disrespectful, false, and XXXX should be held accountable for these misrepresentations. Also, 30 days for a response through XXXX 's website on any matter is not customer service and shows either understaffing or lack of concern with borrower 's concerns and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 memorandum is in reference to XXXX XXXX located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if XXXX XXXX  would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within 24 hours to cancel my application and he did not. He did take the funds that XXXX had given to him.

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