BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Greetings, I have a credit card for XXXX ( XXXX XXXX ).  approximately back in XXXX 07, I was charged for the authorized amount of {$950.00}. After I received the statement I called the credit card to inform about the unauthorized transaction. They proceed with the cancellation of the credit card and posted a temporary credit until doing the investigation. Few days later, they assessed the charged back on my account without giving me the proper results from the investigation where it shows that I was the person or consequently I signed an authorization for this parties to use my credit card. Therefore, I called and initiated another request. They apologize because the first request it was opened under a wrong category. They again closed my account and sent another credit card. To my surprise, the charge was posted back on my credit card. At this point and totally frustrated I called back to have them proof that as a cardmember I have made or authorized the purchase. They have neglected to provide any f the following : 1 ) The creditor don't have the receipt of the transaction signed by me where I take responsibilities for the amount. 

2 ) The creditor don't have any documents where I shown that i have signed any contracts with the legal office and where there is an amount due under my name for {$950.00} 3 ) The creditor is lacking of any documentation where I have authorized a third party to use my credit card with my signature stamped and date. 

In other words, the credit card company represented by Walmart -XXXX XXXX neglected from providing any documentation where I have made or authorized the use of my credit card to anyone for the amount of {$950.00}. 

This company has broken there values and standards where they claimed to protect the cardmembers from fraudulent or authorize charges. I am a clear example that they have no taken their promises seriously and they have ignored my multiple phone calls where I have begged to have a resolution and have them proceed my interests as they should have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a credit card from XXXX XXXX on XX/XX/2019, Reference number XXXX. 
I received a letter dated XX/XX/2019 from Bank of America stating that my application has been denied for reasons such as no having enough credit references, etc. 
They provide a phone number that I can get a free report. I call the number but after entering my information it says I do not have a recent denial of credit. 
I have an excellent credit and my credit score is about as high as it can be. This is not the first time I am applying for XXXX XXXX credit card and be denied while having excellent credit. 

I called the Bank of America located at the address of this letter : XXXX XXXX XXXX XXXX, XXXX, NC XXXX but their system does not allow me to talk to a human. Also I called the credit agency XX/XX/XXXX at XXXX and they do not give me any option to report this issue. 
I need help. 

Thanks

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 2018-02-01
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have received several calls from XXXX, on behalf Navient, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including XXXX XXXX XXXX XXXX. 

When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email. 

After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights. 

The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer. 

Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint. 

Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call. 

I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018. 

So I am filling a complaint but would also like some guidance. My contact information is above. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Nelnet, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A few days ago Nelnet reported a remark to the credit bureaus regarding an account that was paid in XXXX of this year. How can they remark on a closed account? First they reported incorrect information on my credit report about the payments I made and the amount of time they were supposedly late. I have proof that I made payments and that the amount I paid was more than what they listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated x 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX is reporting outdated and incorrect information to TransUnion & XXXX   Credit Bureaus. The date the account opened ( account original date of establishment ), the date account closed ( first date of delinquency ), the terms, and the balance is inaccurate. 
Account became delinquent in XX/XX/2013 without any further transaction activities. I notified listed company in XX/XX/2013 I was no longer a resident of said property were services was being rendered. The company did disconnect services ; however, unknown possessors of service 's address reinstalled utilities illegally. I have no responsibility for the fee balance imposed after notifying company of my departure from the premises. Per FCRA regulation, negative items must be removed, from credit reporting agency records, after seven years of first date of delinquency.

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 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a charge with {$80.00} purchase from XXXX thats reflected in my Capital One Account from Ohio. 
I live in Florida and I have never visited Ohio. 

I called Capital One, they state that the chip was used and theres no way they will pay those {$80.00} because it was made from my credit card. 

This is super unfair and I just- I have not purchased anything from XXXX and not even in Ohio

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12
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:
The reason I am writing to you is to express my frustration with Equifax. This company keeps on reporting unverifiable accounts even after disputing with them a number of times. EVEN The creditors Have Agreed to DELETE but this company is still reporting this account to date. The creditors sent a request to this company to delete, so I don't know why it still keeps on reporting this account.

Below is the account whose creditor has agreed to delete but Equifax is still reporting : 1. XXXX XXXX ACC # XXXX, Date Opened XX/XX/2017 I am attaching prove of creditor accepting to delete this account for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was trying to make a withdrawal from both my checki my accounts ... I thought it was the machine but when both accounts were declined I called Chase Morgan bank right away. They informed me that they have decided to end the relationship with me aka closing the account. I received no letters let alone any reason as to why they decided to move forward on closing my account. I informed them that the next day I was to receive a direct deposit of about XXXX bucks from my work which that never went through however my work payroll informed me that it already went through and is unable to write me another check and that I need to contact my bank So now my bank refuses to answer me or give me.my money! It is my money and my account I have ever right to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving multiple phone calls and paper mail from a company called Portfolio Recovery Associates. 
They claim that I own money on a account that I have no knowledge of. They never provided me any information, indicating that this debt is indeed mine. The call me all the time, and at times leave me voice mails. 
I have made attempts to speak to one of the representatives on the phone.However at times they hang before I can even say a word to them. Then when I try to call back its as if the number used to call me is not working. 
I have recently checked my credit and noticed that, the debt in question of {$2800.00} has appeared on my credit report. This debt needs to be removed as soon as possible as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We intended to visit XXXX and the company used the Paypal portal to charge our stay. we cancelled it and he refunded our credit through Paypal.We received notice from Paypal that that the refund was received and was in process. On XX/XX/XXXX, we received notice from Paypal the refund had cleared and they had our money. i checked my credit card and there wasnt a credit for the sum - XXXX Euros. 

so i tried calling Paypal and went thru all the prompts and was finally told, via recorded message, calls would not be taken because of the virus and callers should the message center. 

texted the message center and waited 8 hours, with automated messages the an agent would would be with me in one minute, then 5, then an hour and then 3 hours. Now the site is down. 

no one from paypal ever responded. 

i dont know where my money is. 

paypal is still in business taking peoples money, but i cant get my money. And they are shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had deposited over 25,000 dollars into XXXX. XXXX is an exchange that is owned by CoinBase. 

I withdrew XXXX USD Monday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Tuesday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Wedneday, XX/XX/XXXX. I received it the following day Thursday, XX/XX/XXXX. 

I have not received my XXXX USD to be credited to my USA bank in 44 days ( 29 business days ). I used ACH which usually only takes 1-3 days. 

I sent multiple emails to CoinBase/XXXX  regarding my issue as follows and I've attached the contents in the supplemental documents I've attached. 

XX/XX/XXXX email sent to support website of CoinBase describing the issue. 
XX/XX/XXXX second email sent to support. Generic email reply without any answer to my specific problem. 
XX/XX/XXXX and 2  email sent to support. 
XX/XX/XXXX, I call XXXX by phone and they say they will escalate the issue and to please not send any more emails. " For fastest response, please do not create multiple tickets about your issue. '' - XXXX XXXX XXXX XX/XX/XXXX XXXX No change in status now. 

I called XXXX two days ago and they said they've escalated it as far as they can and that I will just need to wait. 

I am missing XXXX dollars and CoinBase has been very unresponsive and not reassuring if I will receive my money. I am a U.S. customer with a U.S. bank and this is a U.S. company. An ACH that usually takes 1-5 days to send should not take one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: NV
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:
Account information has not been removed after after nine years of been their income information is incorrect and does not show that it has been properly handled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: RIA FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I used Ria XXXX XXXX XXXX  to send money internationally  with the promise that the transaction would take 30 minutes. I did this on XX/XX/XXXX. I took me at least 9 phone calls and finally the money was deposited on XX/XX/XXXX. They disclosed that the cost of this transaction would be {$7.00}, but the charged me {$1.00} additional to complete the transaction. Their customer service is very deficient with poor sound quality and long waiting times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: P&B Capital Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: FIRST ADVANTAGE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a letter regarding the reporting of my public record information. There are three items on this report and one of them does not belong to me. The item that does not belong is from XX/XX/05, for a complaint non-criminal. There is no amount associated with it, and the case was apparently disposed. There are several people with the same name as myself, and pulling my information by birth date alone can yield this result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: NV
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:
All 3 credit bureaus. XX/XX/XXXX XXXX XXXX and Equifax. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. XX/XX/XXXX Equifax and XXXX XXXX. I want this documents to be complied with an updated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent the money and the person 's cashapp got banned and after cashapp kept closing my tickets and stopped responding on XXXX saying that they put in void notification but my bank saw nothing of a void notification they closed the ticket and stopped responding. 
This payment was worth a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: PA
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:
Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX / XXXX XXXX / XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation