BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
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: Public record information inaccurate

Complaint:
I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM XXXX AND EXPERIAN. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED XXXX XXXX ON MY CREDIT THAT EXPERIAN AND XXXX  SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.

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 2017-07-28
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/XXXX, I received in the U.S. mail a one page letter from " XXXX '' credit reporting company in XXXX, Georgia that even with my final Divorce Court Order decree dated around XX/XX/XXXX, XXXX Court Case number XXXX XXXX awarding 100 % of my former single family residence to my now ex-wife effective immediately, " XXXX '' refused to " Delete '' the " Foreclosure '' negative entry off of my " XXXX '' credit report after my now ex-wife stopped paying HER mortgage sometime in XXXX. " XXXX '' told me to contact the former mortgage lender named " XXXX XXXX XXXXXXXX XXXX '' out of XXXX XXXX XXXX, Florida.
I did so in writing.
On or aroundXX/XX/XXXX, I received a two page letter from " XXXX XXXX XXXX XXXX, '' dated " XX/XX/XXXX. " XXXX '' instructed me that in order to get a " Legal Binding Release '' form to remove the negative " Foreclosure '' entry off of my " XXXX '' credit report that I had to contact their 3rd party " Real Estate Owned ( REO ) '' private contractor by the name of " Altisource Portfolio Solutions, S.A. '' out of XXXX, Georgia, which is a publically traded company on XXXX as listed : " XXXX '' ( now trading at about {$27.00} per share as of this writing ).
And I also did so in writing.
On XX/XX/XXXX-Tuesday-XXXX, I faxed and then mailed a 5 page letter to " Altisource Portfolio Solutions, S.A. '' via regular U.S. mail postage.
For nearly 3 weeks I heard nothing back from " Altisource Portfolio Solutions, S.A. '' So this time I mailed out a 2nd copy to them via the U.S. Postal Service 's " Certify Mail, Return Receipt Requested '' service on XXXX XXXX-Friday-XXXX. The company " signed '' for my letter about 4 days later but still did NOT respond. So I called them on their company 's toll free number on XX/XX/XXXX and they said that they HAD mailed out a written response.
Yet here it is on XXXX XXXX-Friday-XXXX and I still have NOT received their so-called written response.
Thus, I need help from the Consumer Financial Protection Bureau.
"

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 2018-01-07
Company: Coinbase, Inc.
State: CT
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/2017 I wired {$8500.00} to Coinbase. The funds were received by Coinbase, according to my Bank, XXXX, but the funds have not shown in my Coinbase account.

I have submitted various support emails to Coinbase but no resolution has come about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon reviewing my credit report I noticed a debt that I was not aware of. Contacted the company and was not able to confirm the debt.

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 2018-01-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
A total of {$620.00} is owed to me by Coinbase for the sale of two Litecoin crypto currency at {$310.00} each. The coins were sold to Coinbase on XX/XX/XXXX and the money was promised to be deposited to my checking account by XX/XX/XXXX. My transaction has been pending since XX/XX/XXXX Four emails have been sent. Multiple phone calls have been made by me, and I have not received a response from Coinbase. I would like the money that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A purchase in the amount of {$340.00} was made at XXXX online. The item was returned within the return period but no credit was issued to card. I contacted the card company and followed ALL of their protocols to resolve this issue but to date have not received the credit. I have contacted customer service fraud division multiple times, speaking to different representatives but to date still no credit. Unfortunately all of our correspondence with the card company, excluding the initial claim filing done by mail, has been by phone. 



XX/XX/19 XXXX  # XXXX XXXX , Tennessee POS Purchase ( Domestic ) XXXX XXXX  - {$340.00} Details Posted Date XX/XX/19 Reference XXXX XXXX  # XXXX XXXX TN US Terminal 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 2018-01-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a Coinbase account and when I deposit money into it, it takes seconds. Trying to withdraw can take hours or days lately. Still waiting on .XXXX ( {$1400.00} ) to arrive the account I transferred it to. Coinbase said it only takes minutes for transactions, sure, if you are putting money in.

I contacted Coinbase and was told there was just a backlog ... but its costing consumers like myself a lot of money. As soon as this transfer is complete I will be closing account.

Hopefully someone will investigate Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My business account was charged {$27.00} on XX/XX/2022. I need {$27.00} refund. 
I was told there is no fee for this account. Plus my {$500.00} bonus was not paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: GA
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 filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
i started to use coinbase from 4 months and everything was fine untill one day i deposited XXXX $ and the deposit was complete after that i tried to buy some cryptocurrency from then and they asked me to verify my account and the verfication included home address, name, SSN, and job title. after providing all the informtion needed i was told that they can not locate my Id then i send them a copy of my documents SSN and bank statment and driving license they replied that they can not solve it manually and they are using a third party and to keep trying untill i solve that quiz.I have been trying to solve it for a month now with no result.now i need to get my money back which is XXXX $ as i used XXXX $ for purchasing some cryptocurrency before having this problem.now it looks like they can not help me by anyway so i am asking for your help. 

thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to get Hunter Warfield to remove a collection account for {$6000.00} since XX/XX/2019 that is not mine. Its from XXXX XXXX XXXX XXXX and its for a rental home lease that I never had nor authorized as Ive own my home/mortgage for over 25 years. Ive submitted identity theft report/FTC report and filed complaint with XXXX. Ive never leased a home nor authorized and all they sent was a payment statement and an online doc sign. I have A1 credit, my own home and this is causing hardship as it is inaccurately reporting. Ive sent multiple letters requesting docs/validation and also proof of identity theft report. I have NEVER entered into any contract with this company and want this deleted immediately, next step is retaining an attorney, they even contacted me via phone after receiving the first notice with a cease & desist regarding thus invalid debt.

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 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XXXX XXXX 2018, I found on my Transunion credit report, someone applied for credit under my information with XXXX XXXX XXXX. I called Transunion to dispute this as fraudulent activity. They told me that I could not dispute a hard inquiry based on the Fair Credit Reporting Act. They said my only recourse was to contact the company and dispute it with them and have the company remove the hard inquiry. I talked to a manager and they told me the same thing. I was confused by this from what I had read and repeatedly questioned why I could not dispute an inaccuracy on my credit report. They continued to say " based on the Fair Credit Reporting Act ''. Please let me know if I am incorrect in my understanding of dispute resolutions from the FTC website and others. I believe Transunion gave me incorrect information and did not provide the correct process under the regulation.

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 2017-07-28
Company: General Motors Financial Company, Inc.
State: MO
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 purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. XXXX continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
today, XXXX XXXX 2017, i received in the mail a gratuitous solicitation from netSpend. the company sent me an unrequested pay-as-you-go credit card and directions for activating it.
i responded to the telephone number, provided in the direct mailing, for opting out of the unsolicited offer expecting to be able to speak live with a customer service representative. i wanted to register a complaint and request that netSpend cease and desist from soliciting me without warrant. however, i was unable to talk with another human being. the telephone access is a closed loop of prerecorded, automated menus and responses to general questions. though i did select to opt out of the unrequested offer, i have no record of confirmation that i have done so. and remain uncertain, as to whether the call i made might be used by the company to activate the credit card.
it matters little to me if the law protects conduct of this kind by netSpend, or any company, with respect to issuing unwarranted solicitations. the conduct is at least invasive and borderline hostile. if netSpend continues to send me unrequested solicitations and activates the credit card it issued under my name, i will consider the company hostile and seek to file lawsuit against it for violating my 14th amendment rights to privacy.

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 2020-02-12
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I paid a payment on time on XX/XX/20 the about Was XXXX and on XX/XX/20 the Amount I paid was XXXX and all the transactions were valid ... then a couple days later It declined my transaction because I wasnt aware that the funding source I paid it with wasnt valid .... But!!! The transaction went through. A couple days later they declined the payment and made it seem like it was a late payment but it Really Wasnt ... so I was wondering if you guys can help me out with that a problem, Because it wasnt my fault that I didnt know that the funding source was invalid, Even though I paid it and the Transaction went through and it made my credit score dropped 59 points ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: NE
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:
My Experian credit summary on their website shows 1 late payment of 90+. When you click through to find what account the late payment is on, it shows NO negative accounts.
My credit report shows no negative accounts. It is ONLY on their website summary page. It has dropped my credit score by XXXX points. The other agencies, XXXX and XXXX, have my credit score in the XXXX 's with no negative accounts. I have never had a late payment in my life.
This is an Experian system problem!!! I have called them several times and they kept passing me from the membership department to the dispute department. There is no account to dispute because there are no late payments.
This last time I called after being told there was nothing they could do, I said I wanted to escalate the issue and was then transferred to a voice mail system.

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 2018-01-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
0n XXXX XXXX a dispute was generated with Experian against a falsely reported account by XXXX XXXX appearing on my credit report ; Experian said they investigated, and the debt was valid. 
I did a 7 day test drive with XXXX, and XXXX XXXX was to finance if I accepted the car ; I returned the car to XXXX, and received my down payment back, but Go financial is reporting this as a debt to credit bureaus. 
I have spoken with XXXX XXXX, and they stated there was nothing they could do concerning this, I also spoke with XXXX, and they stated the car was returned, and this was not a valid debt. 
I need this removed from my credit report as this is false information, and hinders my ability to purchase anything due to debt to income appearing to high.

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 2018-01-05
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$4000.00} Cashiers check was deposited at the branch in person. Teller placed a Reg CC hold on check improperly. Per Reg CC and the banks own deposit agreement, the first {$5000.00} of a cashiers check is to be made available the next day.

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 2020-02-12
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an existing mortgage with the Golden-1 CU in CA. I recently attempted to procure a rate-reduction mortgage refinance ( from 5.5 % to 3.5 % ). I saw the G-1 's published rates steady at-or-about the 3.5 % level and initiated the process only to be told those rates were for " purchases only '' and not refinancing. I was shocked by this response and began researching rates more broadly only to discover refinance rates are significantly higher and it is now the norm for lending institutions to blatantly discriminate against citizens wishing to refinance. As someone who worked in mortgage finance most of the 1980 's and has been a real estate executive in CA state civil service for 27 years, I know the majority ( if not all ) conventional fixed-rate mortgages are sold secondarily into XXXX/XXXX ( qualifying ) tranches based on " risk '' ; defined by income, debt ratio, and LTV. The market is, in effect, discriminating against the lowest-risk borrowers who, like me are higher-income/low LTV families pursuing payment, which makes the loan even less risky. This discriminatory practice is just WRONG, and it should be stopped immediately.

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 2020-02-12
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:
Experian is in Violation for of FCRA rules, and FDCPA. ( Please see detail attachment ) Experian is currently reporting damaging information on my credit report. 
As it appears on my Experian credit report : XXXX XXXX   XXXX Account # XXXX In Violation for not reporting last date of payment ; .account must be removed : as it appears on my Experian credit report : XXXX XXXX  XXXX currently reports inaccurate last date of activity, a violation ; delete account. 

: As it appears on my current Experian credit report. 

: XXXX XXXX  XXXX currently reports inaccurate last date account has been updated. 

Please delete account for reporting inaccuracies.

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 2018-01-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a formal complaint against Transworld Systems ( TS ) for violating the conditions of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the FDCPA requires every collector to send a written validation notice stating how much money is owed within five days after first contact. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. Although I noticed on my phone that I had been called by Transworld Systems ( but never talked to anyone ), this attempt to communicate serves as first contact. However, I did NOT at any time receive a written validation notice from TS within five days, as the FDCPA requires. 

In addition, and although I questioned the validity of this debt from an ER doctor out of network for XXXX, I had made a significant payment as recently as XX/XX/2017 ( after my SS check was directly deposited ), which was before Transworld Systems became involved. Within the last several days, and being in violation of the FDCPA, TS wrongfully turned over this small debt ( {$130.00} ) to the credit agencies, creating unnecessary havoc where none should have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: TN
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:
I tried calling Experian for an explanation into why my data is sent to XXXX when I click send on their site. I was not able to get past their automated system. I have attached an image that shows where they are connecting to 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