BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: Credit Corp Solutions Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from Credit Corps Solutions , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, phone # XXXX, claiming that they now owned a debt I had supposedly incurred for {$390.00} with XXXX. A XXXX representative has assured me that this is not so. I have mailed the letter suggested by CFPB to these folks disputing the debt ( thank you so much, CFPB ), but am in addition submitting this complaint in the hope that others can learn from my experience should they receive a letter such as the one I received. ( It was actually a pretty poor attempt on this outfit 's part, since if they actually had obtained rights to collect this nonexistent debt from someone, they would not have badly misspelled my name on the letter to me ; but there was enough correct in it to show that I was the intended recipient ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Siggi LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
according to loan documents from omni financial a service member who was XXXX  released is no longer held liable for making payments on their loan, that is the reason for the insurance on the loan. for almost 6 years Omni financial has been trying to collect a debt from me, even though i contacted them on several occasions stating and providing documents ( dd 214 ) showing i was XXXX  released from XXXX XXXX XXXX due to XXXX  reasons. Under the SCRA i can not be held liable due to the fact i was XXXX  discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/XXXX, I deposited a check at the local Huntington bank branch for {$2900.00}. I asked the bank how long it would take the check to clear and the bank advised it takes about 2-3 days for a check to clear. 
On the morning of XX/XX/XXXX ( Wednesday ), I called the local bank branch where I deposited the check to confirm that the check has cleared. The bank branch transferred me to the banks customer service and a customer service agent confirmed the check cleared and the money could be used. After this confirmation, I used the money for the intended purpose. 
On Thursday, XX/XX/XXXX, I found out that the check has returned because of insufficient funds. 
I went to the bank to understand why this happened after their customer service representative ( CSR ) confirmed that the check has cleared. They kept on saying that the check returned due to insufficient funds and they can not do anything. They also said that since the CSR told me the check cleared I should talk to them to find out what happened and resolve it through them. 
I called Huntingtons Customer Service on the morning of Friday, XX/XX/XXXX, and talked to a CSR first and then to a manager. I explained the whole situation to them and asked for an explanation and resolution of this issue. I wanted to understand why the check returned after the CSR said the check has cleared. The manager could not provide a clear explanation as to why this happened. He said that the CSR may not have the recent most information and that the information from their check clearing ( returned check ) department may not have been available to the CSR. He said that they will take this feedback to improve their system to prevent this but unfortunately can not pay me the lost money. 
I lost my money due to the wrong information provided by the CSR and now Huntington Bank is not ready to take responsibility for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ive applied several times for the opportunity to have a card with this company. Every time I get denied. I make a total earning of XXXX with a fair/good credit.This is highly unacceptable! Especially when i recruited half of my family and friends to apply and receive their cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a collection notice from ACI regarding a debt for XXXX. I contacted ACI around XX/XX/2019 regarding the debt. Then followed up with a letter on XX/XX/2019 certified with no response. I also sent a certified letter to XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently pulled my credit report and I see that I have some unauthorized debt reporting on my credit report I believe this is Identity theft because I absolutely do not know where this debt came from thats reporting on my credit report I am honestly disturbed barely by this

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00}. Please delete.

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 2020-01-21
Company: ONEMAIN FINANCE CORPORATION
State: OK
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:
On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, XXXX, & One Main. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX  representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent money to Coinbase from my bank account which records show was transferred on XX/XX/2018 to purchase digital currency. 
The Company say 's it takes about 3 days after clearance to make digital currency available. After several days my account shows that funds would not be available for 30 days. I contacted Coinbase by email and after a few attempts was told they would investigate the matter. Problem not solved. I was requested to upload for the second time photo identification and drivers license identification which I did successfully as in the first instance. 
After a couple of days my account shows that the funds would not be available for 70 days. Up until now as you will see by the email exchange that no explanation was given as to why this has happened. 
After several more email exchanges with no explanation of when my funds would be made available I sent an email requesting that my account be closed and my funds returned. After 3 days I received no response so on XX/XX/2018 I made a phone call and and spoke with an agent explaining the problem. He went through the email exchanges and acknowleged the problem but could not offer any reason for my funds being tied up so long and requested that I submit another identification verification by uploading my photograph and drivers licensce for a third time. I informed him I would not do this again and let him know this was a courtesy call as a follow up to my last email that I wanted to close my account and the the funds returned. I was informed he could do nothing more for me. I let him know I would make a formal complaint to the proper agencies and he gave me the address to Coinbase Legal Dept. 
I am simply seeking to have my money returned. It is totally unfair for them to confiscate my funds for this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BARCLAYS BANK DELAWARE
State: OK
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:
On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, Barclays, & XXXX XXXX. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.

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 2017-12-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This company, USAA, claims to have the right to hold payments to my credit card balance for 7 days. Whenever I make a payment, they deduct it from my checking account and credit it to the balance on the credit card but the funds are not available for use for 7 days. It is the only credit card that I have that has this policy. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of identity theft and I reported this to CapitalOne on XX/XX/2021 and asked to flag and secure my accounts. CapitalOne failed to protect my assets and failed to take precautions. On XX/XX/2021, CapitalOne allowed the fraudster to do 2 withdrawals back to back within a span of 5mins and took a total of {$6000.00} from me. It has been an entire month and each time I call they all say the same thing, no timeframe of when I will get my money back and no timeframe for any updates/status of my case. I have been asking for an affidavits for weeks and still no words about it. If CapitalOne had taken my reporting seriously back in XXXX all of this could have been avoided. All the represenatives nonstop repeating the same thing that I will get my money back don't worry about it and someone will contact me in a few days, but this is not the case and its 4 weeks now and still no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account with Coinbase in XXXX of 2017. In late XXXX into early XXXX of 2017 the company 's system effectively locked me out of my account by an error that was happening on their dual verification system. After I emailed their customer service multiple times and received no response after days and days, I finally began to call them. I contacted them five times and waited on hold for one to two hours before I finally got through. Two of those times the customer service rep put me on hold and then the phone hung up. They did not call me back or email me, even thought they had my information. When I finally reached someone that said they could help, they instructed me that I would need to re-verify my credential, which is a process that takes up to 72 hours. I made the attempt to do so and tried to upload my license and photo a total of 17 times over a three day period. Each time I received an error message stating that their systems were overloaded and to try back. After all the attempts over a stretch of time, I called again and told it would be escalated to a senior adivsor. I was tole they can not tell me when I would hear back. In the meantime I have no access to my funds and have lost on significant profits as I would have sold off my currency at high points during the time I was shut out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX on behalf of Harpeth Financial dba Advance Financial is trying to collect on account number XXXX which was discharged in bankruptcy in XX/XX/2017. Harpeth Financial failed to file a claim in bankruptcy case number XXXX and are now trying to illegally collect on a debt that I am no longer legally obligated to pay as I have been relieved of it by the Bankruptcy Court of XXXX TN .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Public record information inaccurate

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Ive called TransUnion on several occasions last time was this past Tuesday XXXX and I have sent multiple letters asking them to remove inquiries on my report that I did not authorize but they are not doing absolutely anything with regards to my request.

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 2020-07-14
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX called me to collect a debt the person on the phone told me they was a lawyer and they gave a description of the things I owned and how much money I made I am retired they threatened to take me to court and take all my possession I tried to negotiate a resolution they told me i have to pay the full amount i believe this company in a law firm

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: NY
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:
I have more then 15 years that i dont have a credit card, or bank loan, i triyed to get an apartment and they told me i cant get cause my credit is bad, i used to have credit card in 2001 an i paid them all i want to know whats is the problem that i have

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My home loan was sold to Mr. Cooper Mortgage company. I had no say in them taking over my home loan!!! I started a recast with them in XXXX. I sent an additional {$270000.00} in order to lower my monthly payment from {$2400.00} per month to {$600.00} per month. I filled out the necessary paperwork in XXXX and sent it overnight to their office in Texas. I called in XXXX to find out why the new monthly payment wasn't showing in my online portal... only to find out they didn't show they had those documents. I talked to XXXX XXXX on XX/XX/XXXXth, sent her the signed required docs, and she sent me an email acknowledging that she received them ... and there was nothing else needed. XX/XX/XXXX, I received another email letting me know they did not have the proper documents needed and we would have to start over again, for the 3rd time. In the interim, I am paying the {$2400.00} as apposed to {$600.00} which I was expecting. If you can help, you would be a miracle worker. XXXX Loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: AR
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 is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation