BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I initiated a domestic wire transfer from my personal checking account at XXXX XXXX  to the bank of Coinbase, XXXX XXXX XXXX. Coinbase 's publicly published policy for wired funds is to have it credited within 1-2 business days. 

On XX/XX/XXXX, after checking my Coinbase account and the money was not credited to my account I opened a support case with them through their online support platform. I did not hear back from XXXX until I called their support number on XX/XX/XXXX, waited on hold for almost 2 hours, only to be told my case was escalated to a " wiring specialist ''. On XX/XX/XXXX there was an update posted to my case by the support rep I spoke to on the phone, but since then there has been absolutely no response from their support team nor has the {$5700.00} USD been credited to my account. 

On XX/XX/XXXX, I called their bank, XXXX XXXX XXXX, spoke to someone in their wiring department, and this individual confirmed to me over the phone the funds were received and had been credited to Coinbase 's " general '' account and it was now up to Coinbase to credit my account. 

On an almost daily basis since XX/XX/XXXX, I have requested an update in my support case but no one has responded. 

On XX/XX/XXXX, I visited Coinbase 's bank branch in XXXX XXXX  XXXX. During this visit a representative confirmed to me again that they, XXXX XXXX XXXX, had received the wired funds and had credited the funds to Coinbase 's general account but again that it was up to Coinbase to credit my account. 

As of today, XX/XX/XXXX, 41 days after having sent my wire transfer the funds are still not available to me and there is absolutely no communication from Coinbase on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-11-06
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
World finance has 2 loans for me reporting on my credit. I paid both last and off. I got the first loan and paid it off then I got a 2nd years later and paid that one. But it's showing on there system I owe for 2 loans that's not true at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-01-29
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have two store credit cards with XXXX XXXX, and due to unforeseen circumstances have fallen behind on my payments-only 30 days. After repeated harassment from the Bank I have blocked their phone numbers on my phone. Now, a third party debt collector has began calling my mother on their behalf, whom is not at all associated with my debts to the Bank and whose phone number is not and has not ever been listed on my accounts with the Bank. Ive advised her to block the numbers, but they call her multiple times a day from several varied phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Noticing a XXXX credit card on my credit file which I never applied for anything of that nature yes I am a victim of identity theft someone was apparently stealing out of the mailbox at my mailing address they obtained my personal information my old phone number my social which was on mail from the social security office. My complete identity was stolen to the point they even act like they were me to get access to my credit report information and change things on there.

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 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account was already removed from m crerdit report and Trans Union put it back on my report this accout was remove because it was a result of identity theft

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 2017-11-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In CFPB complaint XXXX XXXX XXXX was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: CITIBANK, N.A.
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:
My name is Ms XXXX and my brother mistakenly paid his credit card bill with my checking acct. The acct was only on his because i helped him make a 1 time payment 2 months prior. The date was XX/XX/XXXX he made a paymemt online for XXXX from my XXXX XXXX XXXX and he meant to use his XXXX XXXX   information. We called on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. They said it will be in my account on XX/XX/XXXX. I called back on XX/XX/XXXX and they said I have to wait for another approval. I contacted my bank today and I would've done this sooner, I was told to let the company help first and they lied and cheated me. I want a full refund for products I don't own and never received.

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 2019-09-09
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Dir Sirs, In response to my previous complaint letter, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019, one of the Chase Bank representatives contacted me by phone. He asked me a number of identifying questions, which I answered to his satisfaction, to be sure of my identity. He informed me that I would shortly receive an answer to my complaint. 
The letter I subsequently received included the following statement, " Please contact us directly at XXXX so we can verify you. We have notated your account so we can make another attempt to verify you. 
I called the number as asked, and attempted to verify myself. I was told by the representatives, first by XXXX, and then by his supervisor XXXX, that they can not verify by phone, because I do not have a social security number. 
Im sure you can understand that this is both very vexing and surprising. It was known that I am not in the U.S.,  nor do a have a Social Security number, yet their suggestion to solve my problem was to call to be verified. 
As my account is paperless, my only access to it was via my online access. For all practical purposes I am severely restricted. I cant even know my account balance! 
Im sure you understand that asking me to fly from XXXX to the U.S. is an untenable request. I urgently need your assistance and intervention. How can this be resolved? 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Notice fraudulent activity on XXXX XXXX with recent credit cards open

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 2019-01-12
Company: Lending Club Corp
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: Information belongs to someone else

Complaint:
While reviewing my free annual credit reports from XXXX, XXXX, and XXXX, I noticed an open account with Lending Club from XX/XX/2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the XXXX  credit report is " XXXX/LENDING CLUB '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX/XXXX/1997. I have tried my hardest to dispute this with experian which I have received no help from them. This is an loan that was taking out under my name and social when I was just XXXX years old. I also sent them proof of my identity and its still on my credit stating that it was proven accurate which isnt true because I was 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 2021-11-06
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:
XXXX XXXX and Equifax have my files merged with a similar person but with a completely different SS #. I have been in contact with the creditors that are reporting on my report that aren't mine. Thats how I know this. I submitted a request to remove these items. It came back as " verified as yours ''. I sent a second letter demanding that they manually verify not use E-Oscar to make sure the items would get taken care of. They responded that my request had all ready been done and these were considered " frivolous requests and if I had proof these weren't my accounts submit it ''. I cant submit something that doesn't exist in my name and SS # the creditors say they aren't doing this the credit bureaus have it mixed up. I then sent a demand letter giving them 15 days to submit proof of my signature, contracts, anything to show they actually follow thorough with my request. crickets... .litterally crickets... Nothing back its been 45 days I have the certified letters showing it was delivered. Its causing me hard to not be able to buy a house. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: PA
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 went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: McCarthy, Burgess & Wolff, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received several emails and phone calls from a company called " McCathy, Burgess & Wolff ( MB & W ) - A debt collector who is misleading individuals so they believe that they are receiving a notice from an attorney. 

The above company claims that I owe {$440.00} to " The XXXX XXXX XXXX '' In return, I sent them multiple Cease & Desist letters, which demanded they cease and desist all further communication with me in regard to the debt, and that I would contact the original creditor directly to resolve the matter. MB & W continues to harass me by email and phone. 

I also contacted the original credit ( XXXX XXXX XXXX ) to understand and resolve this debt ( by email and phone ), and they have also chosen not to respond. I am currently retaining legal representation for this matter as well. 

The dates of email communication are as follows : 1. XX/XX/2020 @ XXXX 2. XX/XX/2020 @ XXXX My responses were sent on the following dates : 1. XX/XX/2020 @ XXXX 2. XX/XX/2020 @ XXXX 3. XX/XX/2020 @ XXXX and included the appropriate addressees of The XXXX XXXX. Within this letter, I asked how to handle this internally, as I have not received any prior communication from them. 

I called the XXXX XXXX on XX/XX/XXXX and asked to speak to the billing department, where I was told that they were not available at the time. The representative then took the information I provided ( phone and email ) and said that they would have the billing department call me back. That never happened.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX  and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I AM XXXX XXXX. BANK OF AMERICA REFUSES SERVICE AT THE BRANCH TO ASSIST ME WITH MY ACCOUNT. I AM NOW TURNED TO THE ONLINE ACCOUNT WHERE I HAVE TO ENTER ACCOUNT NUMBER THAT I DO NOT SEE. THE ONLINE SERVICE HANGS UP REPEATEDLY. 

THERE IS NO ASSISTANCE TO ME, A LEGALLY XXXX PERSON, AS PROVIDED UNDER THE AMERICANS WITH DISABILITIES ACT TITLE 3 EFFECTIVE COMMUNICATION AS WELL AS THE CIVIL RIGHTS ACT OF 1963.

I AM SO FRUSTRATED.

THE BANK OF AMERICA WEBSITE IS NOT COMPLIANT WITH AMERICANS WITH DISABILITIES ACT AS IT DOES NOT PROVIDE A MECHANISM TO BYPASS POP-UP SCREENS AND I HAVE TO LOCATE THE CLOSE BUTTON ; THEIR WEBSITE DOES NOT PROVIDE AN ALTERNATE METHOD OF NAVIGATION TO INCLUDE USE OF THE TAB KEY, OR ALTERNATE BACKGROUND, IMAGES HAVE NO DESCRIPTION TAGS, THERE IS NO WAY TO INCREASE AND DECREASE THE FONT

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 2021-05-31
Company: Experian Information Solutions 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:
I have attached the previous complaint with Experian where I disputed a bankruptcy and two accounts ( XXXX # XXXX and XXXX  # XXXX ) According to my previous complaint the results that Experian stated that would take place is that the bankruptcy would be deleted ( which is was XXXX and that the accounts ( XXXX  # XXXX and XXXX # XXXX ) would reflect paid and closed which is not true! 
Those two accounts ( XXXX # XXXX AND XXXX  # XXXX ) are showing incorrect paid date of XX/XX/2021. I did not pay either of those accounts. They really both showing multiple lates of 30, 60 and 90 days which is not what was stated would take place from their non monetary relief. Lastly, why was I punished by worse inaccurate reporting as oppose to close the accounts and not reflecting they were included in bankruptcy that they had to remove because they could not prove there inaccurate reporting of the bankruptcy. 
How can these accounts which are tied to a inaccurate bankruptcy being reported then deleted from my credit report be reporting included in a bankruptcy they deleted due to inaccurate reporting?

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 2021-11-06
Company: EQUIFAX, INC.
State: GA
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Reliant Capital Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Friday, XXXX XXXX, 2017, around XXXX, XXXX , XXXX Ext XXXX, from Reliant Capital Solutions elected to locate my grandaughter 's, associated with my grand daughter to call my home demanding to speak with my grand daughter. 
I played the game to attain info to report. My daughter has a college debt, she is paying down accordingly. This XXXX guy noted I WILL 'NOT SPEAK WITH ANYONE ' BUT XXXX . 
SHE IS AN ADULT, My daughter handles financial matters as XXXX attends college, has no income, by daughter supports XXXX 's financial needs. 
I advised XXXX that the call will NOT be passed on. My daughter was deeply hurt and angered as she is paying the balance, but XXXX INSISTS ON EXCLUSIVELY SPEAKING WITH XXXX TO TAKE ADVANTAGE / HARASS HER. WE protect our children from preditors, XXXX is a preditor. 

XXXX need to be directly advised of the threatening implementation of his calls. 

XXXX XXXX Grandmother

Company response to consumer: Closed with non-monetary relief