BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For the past year or so a debt collection agency has been reporting an alleged collection account on my credit report. I repeatedly asked them for documentation of this alleged account and they have yet to provide me with any documentation. I also have repeatedly asked them to stop calling me and they also refuse to do that. My last communication to them a few weeks ago I again asked them for documentation of this alleged account and the respone that I received on XX/XX/2019 stated " We have already responded to a previous dispute substantially the same as your present dispute and because my dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute ''. They have also stated if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved we will consider your inquiry answered. FRCAl laws state that a company must provide me with documentation when requested of any alleged debt. It also states that to collect on that debt they must provide with a written agreement made with their company that includes my signature agreeing to pay this alleged debt. This company is trying to collect on an alleged debt they claim is owed to another company and refusing to provide me documentation of the alleged debt to that company or and a agreement that I made with their company to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was pre approved by Navy Federal for a XXXX conventional mortgage with the required information. Long story short, after final approval and set closing date, two days before closing i am told " we can not move forward with the loan '' ...... 
When asked why i was informed a letter would be mailed out to explain. 
I complain directly to the loan officer, she apologized and immediately refunded the appraisal fee. I believe they should be held accountable for charges that occurred to close on the home I paid to have inspected as they required in the loan to purchase agreement. 
This has made my first time homebuying experience so traumatic, I am seeking the confidence to shop for a home for the first time. I was not expecting a lender to just pull the rug from under myself and two kids. 
I have to wonder if this had anything to with my complaint on the initial originator of this loan. I am just sad and frustrated, they were aware of my lease ending and the closing date being critical. I am so highly dissappointed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a joint account owner on my XXXX father 's checking account at Regions Bank. My father is in an XXXX  XXXX facility, so he does not have credit cards or a wallet and at some point in the past year a new checkcard arrived for our joint account. The card was in his name. I put the card away in a wallet with my own credit cards and never used it. 

On XX/XX/2019, my wallet was lost/stolen. Someone gained possession of my wallet and began attempting to make purchases of about {$2000.00} at a local XXXX pharmacy. They tried using two of my credit cards, but my credit card companies flagged the activity as suspicious and declined the charges. The person who had my wallet did manage to successfully use my father 's checkcard to make two purchases at XXXX. 

The purchases, which were made on XX/XX/XXXX and posted on XX/XX/XXXX were one for {$1000.00} and one for {$830.00}. 

I alerted Regions Bank to both purchases immediately, the afternoon of XX/XX/XXXX, as soon as I discovered it. I asked them to close my father 's checkcard, which they did. They asked me to wait until the transactions posted to formally dispute them. 

On XX/XX/XXXX, the transactions showed up as posted on our account so we called to formally dispute the charges. We explained that I had possession of the card, but that my wallet was stolen and that my father had not authorized anyone to make purchases with his card. Furthermore, the Regions representative confirmed that the last time the card was ever used for a withdrawal was almost a year ago. This card also is never used to make purchases and very rarely is used to make withdrawals, so although we do not know what triggers a fraud alert, it would seem that these large purchases should have been identified as suspicious activity by Regions. 

On XX/XX/XXXX, we received a letter denying our dispute. The reason given was that the transactions passed " fraud analysis. '' Again, this is confusing, since a pin was clearly not used in making this purchase and certainly my father did not sign for whatever was purchased. 

We have appealed the decision and provided additional information, including a police case number and a report of identity theft we made with the FTC. Our recent communications with Regions, however, indicate that they are not inclined to reverse their decision, despite the fact that we have now told them we made these reports to the police and the FTC and we also provided them with evidence that I reported the fraudulent activity with my own cards ( although the transactions never went through ) and I have been issued new credit cards as a result. 

I am attaching a fax and documents that we sent to Regions in an attempt to appeal their decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX i transferred XXXX GBP to my coinbase euro wallet. The money left my XXXX XXXX account in XXXX and was not deposited in my euro wallet. 

I used the bank details provided by the mobile app at the time, which did not state that the deposit needs to come from an account that matches my verified name. 

I have since tried to make contact on many occasions. 

these include - email XX/XX/XXXX, XX/XX/XXXXr and XX/XX/XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX So 6 times in total, the phone lines are always too busy and service just hangs up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent FIFTH THIRD BANK a letter of validation on XXXX, they failed to verify the debt in 30 days, i demand to comply. by law this account must be removed if they cant provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: U.S. BANCORP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, US Bank stole {$20000.00} of inventory from my business. XXXX XXXX, US Bank overcharged my business {$15000.00} in closing fees.

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 2018-04-26
Company: STATE FARM BANK, FSB
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
State Farm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: LA
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

ED/XXXX XXXX {$8700.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX  XXXX {$9300.00} XXXX XXXX {$99.00} XXXX XXXX  XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 2020-01-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
PayPal is refusing to close both accounts to my knowledge possibly more I am being told they cant send a statement for a negative balance on a prepaid debit card I believe I am being stalked by a XXXX male employee dressed in drag, that embezzled money at pep boys in XXXX, California ultimately he is going by an alias but once went by XXXX, I am trying to close all PayPal accounts because she went to prison for stealing out of the cash register while working just ask XXXX XXXX the Manager at pep boys back then before it was closed after being robbed! Please investigate this and close my fake accounts she has no apparent reason to keep my account open. Please help?

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 2018-02-12
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is attempting to collect a fraudulent debt. This account was opened in my name as a result of identity theft. I have contacted the collection company and they have been exceptionally rude and threatening when I have tried to explain to them that this is a fraudulent debt. I have also notified them that the date of the debt that they are attempting to collect is more than 7 years old in  addition to the fact that the debt does not belong to me. They continue to threaten me and talk rudely and nasty on the phone. This is not my account and it is as a result of fraud, and it is beyond the statue of limitations for them to even try to collect if it was not a fraudulent debt, but it is INDEED Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A person used my identification to visit several hospitals to try to get pain medication. A police report has been filed in XXXX to where the matters supposedly occurred. It is an amount of XXXX dollars from XXXX XXXX XXXX. The collection company is Wakefield and associates. I need this item removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$20000.00} {$20000.00} No. of Months ( terms ) : - 72 Months Monthly ( due every month ) High Credit : - {$24000.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Charge-off Last Reported : - XX/XX/XXXX Comments : - CHARGED OFF ACCOUNT Date Last Active : - XX/XX/XXXX Date of Last Payment : XX/XX/XXXX THIS ACCOUNT DOES NOT BELONG TO ME, COMPANY DID NOT PROVIDE PROOF OF VALIDATION OF ACCOUNT OR VERFICATION OF DEBT AND PROOF OF OWNERSHIP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-04-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The following employment data reported on my XXXX XXXX, XXXX and Equifax credit report is inaccurate : XXXX XXXX and XXXX XXXX XXXX XXXX. I have never worked at XXXX or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America took XXXX dollars from my bank account because of over draft. I had money in my bank account and i try and get my money back and explain to them this was a mistake. Unfortunately they told me I can't get my XXXX dollars because I had to call before 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 2021-09-10
Company: The CBE Group, Inc.
State: PA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I obtained an online loan approval from Bank of America on XX/XX/XXXX to purchase a used car from a " franchise dealer '' up to {$15000.00} at 3.19 %. I received an email stating that my application was approved. I was told to go to the franchise dealer and they would use that loan application to create my auto loan. 

On XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX in XXXX and selected a XXXX XXXX XXXX to purchase for {$13000.00} ( purchase price of {$11000.00} plus dealer fees ). At time of closing, the Finance person stated Bank of America would now not honor the previous terms and conditions but instead would offer only {$12000.00} at 5.24 %. The dealer then offered me dealer financing at similar but slightly more favorable rate. 

I perceived this as at best, steering to the dealer financing, and at worst a bait and switch. As this was XXXX at night, I paid cash for the vehicle and contacted Bank of America to address the issue the next morning. 

Bank of America stated that they could not provide financing unless I went through the dealer 's financing department. I escalated. Bank of America stated that unless the dealer would " undo '' the transaction they could not help me with a loan secured by the title. The dealer declined to make this right. 

Bank of America apologized, but did not make this right with me. They made no effort to honor their original loan offer, but tried to say that because they didn't know which car I would choose, they were always going to change the loan terms and conditions ( increase the APR ) based on the used car I selected.

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 2018-04-26
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account status incorrect

Complaint:
I have previously tried to get Fair Collections & Outsourcing to make sure they updated my credit reports properly, but they have not done so, and have caused me to be declined on a new rental application as such. I am trying to remedy to situation, and need someone to help me make sure they are providing the correct information to XXXX, XXXX, and XXXX  because its been negatively affecting my credit for over 4 years now.

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 2020-05-05
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am supposed to receive my XXXX from US Bank with my unemployment funds on it. 
It has been several weeks and I have called almost every day and have been on hold for hours ( 4 hours today ) and no one will answer my call to tell me where my card is. 

The Utah unemployment office told me that I have to talk to US Bank in regards to my card. 

It is not my fault that I lost my job and I need my money because I am behind on my bills. 

This is very unprofessional on the part of US Bank, and I feel like I am being scammed out of my money because I filed for unemployment on XX/XX/XXXX, and it is now XX/XX/XXXX and no card, no money. No one will answer my call. 

The past few days when I have called I have waited for at least two hours and their phone is just dead and I have no idea whether I am still on hold or not.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

ED/XXXX  XXXX {$8700.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX  XXXX {$9300.00} XXXX XXXX {$99.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX they applied my monthly installment loan payment towards principal instead of my regular monthly payment. They keep phoning my mobile phone, my wife 's mobile phone, and my place of employment asking me why my payment is late and when am I going to send it in. I have repeatedly explained that I am not late and they always research and say " yes you are correct '' and that I will not be called again. But the calls have continued for the past 4 months and it is annoying and embarassing.

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 2019-04-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I want XXXX XXXX, XXXX  and Equifax to add my current employer to my credit report. My current employer is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$200000.00}

Company response to consumer: Closed with non-monetary relief