BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Army and Air Force Exchange Service
State: HI
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:
The following account Military star was closed and charged off on XX/XX/2019 Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not hav an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : Best regards, 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 2022-09-21
Company: Experian Information Solutions Inc.
State: SC
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and update these accounts from my credit report.

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 2022-01-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Citibank Advantage Mastercard canceled my card and issued a new one with out my knowledge. I had to call after my card was declined several times to find out what was going on. Customer service told me that I requested for 1 of my 2 authorized users to be removed and to receive a new card number. I told them that this was incorrect and that neither I nor my authorized users made that request. Because they had already canceled my card and issued a new one, I was unable to use my card until the new one arrived on XX/XX/XXXX along with a letter again saying that it was canceled at my request. I have called to try find out what happened and no information is being provided. I filed a complaint and requested an investigation, but haven't received any updates. Now the new card is being declined. I called today on XX/XX/XXXX and was told that my entire account was closed on XX/XX/XXXX. Again I was not notified and they will not give an explanation for closing an account that I have has for at least 10 years with no 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 2022-09-21
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the fair credit Reporting act XXXX # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-02-01
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AmeriHome Mortgage Company NMLS ID : XXXX Mortgage Loan Specialist : XXXX XXXX XXXX ID : XXXX We were approached by our mortgage company, AmeriHome Mortgage, about refinancing our loan to get a lower interest rate and lower payment. We thought it sounded like a good move for us, so we started the process in XXXX of 2020. We provided all the documentation and by the end of XXXX of 2020 we had signed the documents to refinance our home. We were told that we did not need to pay any money down to close the refinance. AmeriHome told us our new mortgage payment would be {$1100.00} and that our first payment would be in XXXX. We paid this amount in XXXX and XXXX. At the end of XXXX we received a letter from the Title company stating that there was not enough money in our escrow account to pay the rest of our property taxes. We had to pay out of pocket the rest of the balance. I called the initial Loan officer, who started the process of refinancing for us. He answered and said he was surprised that our escrow was in the negative and said he would check on it for us. I received and email back from him that basically said a new escrow analysis would need to be done. I tried calling back once or twice, but I did not receive a call back from him. What we discovered is that they did an FHA streamline refinance and used our escrow account to pay for our closing costs ... leaving insufficient money in our escrow account to cover our annual taxes at the end of the year. Now there is a deficiency in our escrow account and they have increased our payment significantly causing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
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:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Dear members of the CFPB, My name is XXXX XXXX XXXX XXXX and I am writing to you to formally lodge a complaint against Bank of America ( BOA ). The reason for this complaint lies in a series of XXXX unauthorized and fraudulent charges on my credit card that BOA has refused to remove despite having followed the protocol for reporting unauthorized charges. These transactions all occurred on the same date, XX/XX/2023, and their amounts fluctuate between {$99.00} and {$99.00}, which I find highly suspicious. 

Please see attachment of the BOA Statement ( transaction date XX/XX/2023 ) The total of these fraudulent charges amounts to {$2400.00}. 

I contacted BOA and followed their protocol to report these unauthorized charges. However, during a follow-up call with BOA customer service today, I was informed that a letter was sent on XX/XX/XXXX denying the removal of these charges. I never received this letter. This decision is unacceptable and contradicts my consumer rights in cases of banking fraud. 
I hope that the CFPB can intervene in this matter to ensure that BOA assumes its responsibility and reimburses the fraudulent charges. I appreciate your attention to this complaint in advance and look forward to a favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX box 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 monetary relief
Consumer complaint received 2023-10-07
Company: Conn's, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive been disputing this account and is still reporting inaccurate information on my consumer report, please remove this account from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: NY
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 inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( 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 2018-02-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/, I placed a voluntary security hold on my Coinbase account as a precaution after my cellphone and personal bank accounts were compromised. I explained to the Coinbase representative that my Coinbase account had NOT been compromised - rather, I was notifying them out of an abundance of caution. I asked that my account be placed on hold until further notice. 

On or about XX/XX/, upon confirming that all of my personal security issues had been resolved, I notified Coinbase and requested that they reinitiate my account access. 

Since that time, I have called Coinbase several times. Each time, I am told that my request for account access has been " escalated '' and has the " highest priority. '' However, each time they also told me that they did not have enough resources to respond to my request. I asked for a time estimate and was told that one could not be provided. I then asked whether it would be " days, '' " months, '' or " years '' and - shockingly, I was told they could not give me any estimate. 

On XX/XX/, I asked to speak with a supervisor named " XXXX. '' She refused to provide her last name. Once again, she would not provide a time estimate as to when my account access would be granted or when I would be able to close my account. 

During each of these calls, having grown frustrated, I indicated that I wanted to close my Coinbase account immediately. I was shocked when they responded that my account could not been closed while I don't have access. 

To date, I have not been able to access my account nor have I been able to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-01-21
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX of 2021, PNC BANK, decided to place a hold on my account, without any explanation. There is actual proof that no letter was mailed out to my address regarding this hold, they never called me, or emailed me, to let me know the reason of this hold. 

I have over forty thousand dollars on my bank account, and they are all on hold without any reason. 

PNC is doing an illegal practice by using my money to lend out loans and buy properties, i am concerned they might be doing this to many clients. this is illegal and i will contact the news. 

I made a large deposit, which i understand can be hold while the funds are verified, the funds were verified within two weeks, therefore, there is no reason for the hold to be placed.

I have tried numerous times to solve this issue by attending more than five branches, where i verified my identity with my government issued identifications, there are recorded calls where branch managers call retail support confirming by identifications were ran through UV LIGHTS. 

I am sick and tired of waiting it is now 4 months that PNC has been holding my account without a reason without a judge court order. THIS IS ILLEGAL and i need my funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, 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 is re-aging and fraudulently reporting incorrect information on all three of my CBI 's and directly impacting my ability to obtain a mortgage. XXXX is reporting the date first major delinquency reported as XX/XX/XXXX. XXXX is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. XXXX charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Company to contact. 
Coinbase.com XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX  XXXX Starting in XX/XX/XXXX through XX/XX/XXXX, I was involved in a cryptocurrency trading scam. I met a person via XXXX dating site. I was asked to " invest '' using a fraudulent copy of XXXX XXXXXXXX XXXX. ( see below ) Wire transfer to Coinbase XX/XX/XXXX- {$100000.00} Within Coinbase.com, money was converted to crypto and transferred to the fake websites XXXX XXXX XXXX XXXX  ). These websites are identical and appear to be owned by a XXXX company XXXX XXXX XXXX. Once the Crypto was loaded to these websites, I was instructed to make trades which appeared to be very profitable. I started with small amounts and even withdrew ~ {$10000.00} initially to ensure my money was safe. As the transactions got higher, the profits got higher until I finally decided to withdraw at least my investment plus the amount need to cover income taxes- it was that large withdrawal that was not completed, and my account was subsequently frozen. the only contact email I have with the person I was working with is an email address, XXXX details of the transactions between the website/exchanges are in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.

XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX is referencing another persons name on my credit report. XXXX is reporting a family member XXXX XXXX on my credit report as seen in the attachment. This has never been validated and its illegal for them to list another person on my credit report!

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 2023-01-05
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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 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 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 explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: WA
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: Problem getting your free annual credit report

Complaint:
Sent a request form into XXXX XXXX XXXX XXXXXXXX XXXX for credit reports with the XXXX credit bureaus, I haven't received any reports to date. According to USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/XX/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 2022-01-21
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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