BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights..Please remove 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 2019-06-11
Company: SYNCHRONY FINANCIAL
State: IA
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:
Synchrony Bank has several accounts listed on my credit report that were sold to collection agencies. Ive called and spoke with Synchrony and they informed me that I need to pay these collection agencies so they can mark the account settled. Due to the length of time that has passed, the companies these debts were sold no longer own these accounts. Since Synchrony informed me that they " do not recall debts '', it has made it impossible to rectify this issue. There are also many issues with these accounts such as original credit limits missing. Synchrony Bank has over 22,000 complaints with the CFPB with many of them pertaining to incorrect information. I think the CFPB needs to closely examine this company 's ethics when it comes to 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 2021-03-04
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX my telephone number was compromised. They were able to access my email and other accounts that were on my phone. They proceeded to request a password change, having both my phone number and email account they were able to do access them. They changed my password for Coinbase. In the meantime, I alerted the XXXX ( My cell phone carrier ) and shut down my phone. Changed my passwords for all my accounts and recovered my email. The hackers were able to access my coinbase account. The process to close the account and protect it, was convulsed and impossible because my phone number and email were both compromised. Hours later after the damage was done, I was able to close it down. My issue is that Coinbase has given me no information regarding my account or access to the account. I have contacted them and they are not responding to my inquiries. I am left not knowing if there is anything in my account or what has happened to my account. Preferably there is some money remaining but I don't know! Then a few days later they threatened to take the money that the hackers had tried to get from my bank ( did I mention the hackers got into my bank account because I had recurring deposits. But the bank was helpful and reinstated whatever was stolen from my account ). 
Their customer service is inadequate to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC Systems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$1400.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-03-26
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was notified by mail on XXXX at my current address that an account with CitiBank had been opened in my name and they were contacting me to confirm the information. Around the same time, my parents received account information in my name to their home mailing address. I have never lived at that address and my parents did not create the account. My mom gave me the account number and I followed-up with Citi. The account had been closed as a result of them being unable to identify my recent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 As you know I live in XXXX XXXX, XXXX. In XX/XX/2017 we had two devastating hurricanes Irma and Maria. Because of these hurricanes our power, internet and postal service was down for almost a month. I had no way to make the payment on time and this is why it was reported 30 days late. As you can see, I have always made my payments on time except this one time. I kindly ask that you remove this late payment from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, at around XXXX XXXX while watching TV I received an email from a seller from XXXX called XXXX saying " Thank you for your Order ''. This was shocking to me since I did not order anything from them. I looked at the email and the order was for a chainsaw totaling {$570.00} placed on my Chase Debit Card. I  immediately called Chase with whom I bank and advised them of the fraudulent activity and asked them to cancel my debit card. I also contacted XXXX and told them that I did not place the order and ask that they cancel the order. About 3 days later I received another email from the seller telling me that the chainsaw is being shipped. I responded to them telling them that I did not order the chainsaw and not to ship it to me ( see attached documents ). In the meantime, Chase credited my account temporarily. Again I got another email from the seller that the item was shipped ; I again responded asking them not to send to me since I did not order and neither do I need it. They responded that XXXX is investigating my claim. On XX/XX/2018, I received a letter from XXXX telling me that they finished their investigation and based on their investigation the credit will be reversed. I have been calling them and offered to sign a sworn affidavit that I did not order but they have refused

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08
Company: Experian Information Solutions Inc.
State: FL
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 sent several letters for the account information to be reviewed for the account " XXXX XXXX ''. The account is reporting incorrectly. I've sent letters to have the account verified and Experian nor XXXX can verify the payment history on the account. If this information can not be verified according to FCRA it has to be removed. I have no other choice but to file another complaint on the matter. Please verify the payment information on the account or have it deleted. Thank you very much!

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 2020-11-30
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XX/XX/XXXX XX/XX/XXXX account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, I am reaching out to you because 3 months ago when the pandemic started i was affected financially. at that time i reached out to my my mortgage company ( shellpoint mortgage ) for help to lower my monthly payment since my income was affected. 
after 3 months under review shell point mortgage denied my loan modification application because i didn't deserve a loan modification since i was not enough behind on my payments and therefore i didn't deserve the loan modification. 

Now i come to find out that even though my payments were on time shellpoint mortgage has charged me {$800.00} in late fees and home appraisals that i never ordered. 

I called to speak to manager who can help me clarify those invalid fees and every time i speak to representative they keep telling me no manager/supervisor is available and they wont back until the end of the year. 

please help me since i struggled keeping my mortgage payments on time and its not fair shell point mortgage is taking advantage of me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: D&A Services, LLC
State: HI
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:
We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX  and XXXX XXXX XXXX. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX  XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. D and A Services XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Upstart is violating the terms of the Promissory Note when it comes to the application of partial prepayments. I made a partial prepayment and, per the terms of the legal documentation, it should 100 % be applied to principal. However, the company is first applying the partial prepayment to accrued interest and then principal. This is a violation of section 9 of the executed legal documentation. The company is insisting it follows section 2 detailing how payments are applied. Since this is a partial prepayment, terms in Section 9 apply and thus, 100 % of the partial prepayment should be applied to principal prepayment. Upstart refuses to adjust the accounting of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Fraudulent account opened in my name.

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 2022-09-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22, I contacted XXXX because I received an email from them thanking me for some tickets I purchased in XXXX. I immediately notified them to let them know that it was not me ; I lived in XXXX and was not making a purchase. They captured the conversation and informed me to contact my bank. I immediately did that and provided the documentation and the transcript from XXXX to the bank. The bank denied my claim stating the investigation came back. That it was not a fraud. I asked them what evidence did they have. The bank said I could appeal in writing. They sent me instructions on how to do that. I appealed the decision, and it was denied again. This has caused my account to go into severe overdraft. 

I reached out to XXXX to see if the bank contacted them, and they had not. The amount of the charge is {$1000.00}. 

This is not the first time NAVY Federal has done this, but the first I have taken action, and I have been with them for over 15 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get mortgage assistance from PNC since Covid started. I received a forbearance and then tried to modify the mortgage to make payments sustainable until Covid is over. I paid a small amount every month, trying to keep up with the interest while I was in the application process. I filled out the application three times and kept getting messages that contradicted each other. I also spoke with PNC several times by phone. I was told they were working on the application, and many times had to resubmit the documents and the letter, etc. Last I heard I was waiting to hear back from them about my application, which they said was complete. I called again when I got a notice of potential default and was told my application was complete and to ignore that message. Today I got a notice that I am in default, no modification and no offer to even put the remaining balance at the end of the loan. I have tried and tried and no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: NJ
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:
I have fraudulent account reported on my credit report from XXXX card services.

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 2018-09-26
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A gentleman just called me, for the fourth time in 24 hours, and told me he was Mr. XXXX calling from a law firm in an attempt to settle my debt with XXXX XXXX before a summons was sent out this Friday against me. That I would be charged with the legal fees as well. I told him I had received no such bill or any correspondence to this matter and he stated that he sent it to two addresses easily taken from my background check that he already stated he did on me, and had " assumed '' I received them. I asked him to send it again, certified mail, so we both know for a fact it was recieved. He said that was not possible. I told him I will be happy to contact my lawyer to sort it out after receiving an invoice or any proof and making sure it was a legitimate issue that had not been resolved. He stated he will put that in my file and let the company know.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: SC
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:
I opened an account with Pinnacle Bank ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX XXXX previously named : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: TX
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:
sent over ftc violations took off and put back on with notifying me the against my rights and a violations of the law .. Law saids they have 10 days to let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: FMA Alliance, Ltd.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've asked FMA Alliance to stop calling my home looking for someone who does not live at this address. They have been calling for almost a year. I've told them several times that this person does not live here and to remove my number from their list. Each time they assure me that my number is being removed but they keep calling and it's a different person each time. They call every hour, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Lake City Credit
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call at the beginning of XX/XX/XXXX from a man identifying himself as an employee of Lake City Credit. He said he was attempting to collect a debt from a company called XXXX XXXX. 
I explained to him that I had paid another company a portion of that debt before realizing that they did not in fact own that debt and that I suspected this company, Lake City Credit had acquired that illegitimate debt. 
He refused to acknowledge this possibility and threatened to report me to the credit bureau for being delinquent. 
I told him that I did not want him or his company contacting me again. 
I received a bill from this company about a week later. 
I wrote to them on XX/XX/XXXX declaring that they leave me alone other than to prove that they owned this debt and had a legal claim to collecting it. 
They responded with a list of payments and dates that I had made to a different company in XXXX. There was no statement from XXXX XXXX, or any other company. 
I received an invoice from them on XX/XX/XXXX, stating that if I pad {$610.00} immediately they would delete my account from all three credit bureaus. This account is not listed on my credit report. It is not legitimate, they are trying to cheat me out of money based on a credit card that I had over 20 years ago.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Bank of america is blocking me from making a transfer from XXXX XXXX  currency trading app. I was just wondering if i was able to be unblocked to be able to transfer the money from my XXXX  account.

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