BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My Coinbase.com account temporarily disabled for no clear reason on XXXX XX/XX/2020, I have contacted Coinbase Support immediately, Case # XXXX, and after a couple of days they got back to me by requesting some documents and clarification statement regarding my trading activity ; shortly I provide them with seven submitted documents and a comprehensive trading statement telling them what I am doing ; they replied that will transfer my case to a specialist who will be able to assist you with this specific issue and noted that these reviews are typically completed within 5-7 business days ; on XXXX XX/XX/2020 while still my account was temporarily locked, someone transferred fund from my XRP Coinbase account, it's absolutely illegal, and an unauthorized transaction happens, which Coinbase should be responsible and providing clear the explanation for all those. 

" You just sentXXXX XRP ( {$0.00} USD ) Congratulations! You have successfully sent XXXX XRP to XXXX. You can view transaction details in your Coinbase account. 
This withdrawal is being sent to an address ( " XXXX '' ) that you haven't previously used. '' The ETA for performing a review to restore access to my account based on Coinbase TOS is 10 days " XXXX : XXXX '' however I do not have any clear reasonable response or resolution after three weeks ( 22 days ). This cost me a huge loss and paint in life, I URGENTLY requesting a response and resolution and providing access to my account and my Crypto asset. Looking forward to hearing from you soon. 
Best Regard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They closed my account for no reason and are now are not trying give me my funds remaining in the account. it has been XXXX weeks since my account has been in the process of being closed and they keep giving me excuses to not give me my money remains in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: FIRST FINANCIAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In 2020, I opened an account with First Financial Bank under an active promotion they had that advertised a {$100.00} signup bonus to the customer and {$100.00} donation to XXXX XXXX upon meeting the requirements. The requirements were : use promo code " XXXX '' and have a direct deposit made to the account. I completed those requirements and never received any bonus. Repeated calls to customer service yielded a multitude of inconsistent responses ultimately refusing to pay out the bonus. I have a screenshot of when I signed up with the bonus stating full terms, however the bank updated their disclosures on their website after the fact, and are now referring back to the updated page to preclude me from getting the bonus. This sly act is eroding the integrity of this bank and I respectfully request that the bank pays out the bonus that was due to me.

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 2023-06-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Sequium Asset Solutions, LLC
State: NC
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 had a negative account listed on my XXXX  Credit Report on XXXX for the amount of {$340.00}. I disputed it because it was not my account. And, I had disputed it previously with XXXX  on XXXX and they had removed it on XXXX. However, on XXXX, XXXX   reported that their investigation this time had resulted in the negative account staying on my report. 
I contacted the collection agency, Sequium Asset Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, on XXXX by phone. They asked me if I had ever lived in Georgia, which I haven't. I informed them that I had never received any bills from XXXX XXXX, nor from their collection agency. They told me that the billing address associated with this adverse account was located in XXXX XXXX, Georgia. I gave her my address which is in North Carolina. She informed me that they had indeed made a mistake and it should not have been on my credit report and that they would have to investigate the other guy who had the same name as mine, for possible fraud. 

The adverse account is still listed on my credit report as of today, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: NEXA Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This in essence is not actually a new complaint unless my feedback was missed. So, I hope this will serve as my response to this ordeal. What I am asking is to be released by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.

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 2021-11-01
Company: EQUIFAX, INC.
State: IL
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:
The consumer reporting agency is in violation of 15 USC 1681n for the willful noncompliance of reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a certified ceist and desist letter to Fox collection company in XX/XX/2020. I have received three phone calls from them demanding to collect a debt that I have no recollection of.I have never engage in any business with this company nor have I signed any contracts to do so. I've also sent several certified letters requesting debt validation within 30 days. They have failed to validate the debt and continue to contact me after the ceist and desist request. They also continue to report fraudulent, obsolete account information to the credit bureaus which is damaging my credit. Fox collection company knowingly continues to violate the FCRA and I have documentation from year XXXX to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was a pending collections which was paid and settled on XX/XX/2020 but experian still showed it for more than a month. I did not want to dispute this collection as the agency ( XXXX XXXX XXXX XXXX ) had already agreed to delete the account from all credit bureaus - and this was indeed deleted from equifax by end of XXXX. But experian still had it on my credit report with info that I have a balance to be paid of {$150.00}. 
Since I did not owe any balance as per XXXX, I told experian to update the balance provided that they dont file a dispute. I was told to submit the letter and that experian will address the same without filing the dispute. 
However after submitting the letter experian opened a dispute and when I got notification of this on email. I immediately called them and asked to remove this dispute. But now experian wont remove the dispute and say that they open dispute once they receive docs. Also on checking Experian found that collections has sent them info to delete my collections account from the report altogether - but they can not remove dispute as they recevied information from the agency ( XXXX  ) and have to wait until 30 days for the process to come to conclusion. 
I am being penalized for false information from experian and holding my account in dispute when I have not filed the dispute. 

The experian rep XXXX also insisted on asking me my SSN over the phone, when I asked them to use any other alternative as I was in crowded place and experian rep had worked with other info earlier. But she wont accept my request and said she is supervisor and will not transfer to anyone else to process the complaint.

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 2020-12-05
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulenty obtain goods or service. On XX/XX/2020 Someone illegally obtained my information and opened a XXXX account and has a past due balance of {$4100.00}. My account was sent to collections and has destroyed my credit. The collection Agency is AMSHER COLLECTION SERICES. I have contacted AMSHER and informed them this was not done by me and no consent by me was ever done. Please help me and remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 not supplied proof under the doctrine of estopper by silence, Engelhardt vs Gravens ( mo ) 281 SW 715, 719,1 presume that no proof of alleged debt, in fact therefore exists.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Apartment was looted and flooded. Cards was taken and charge fraudently

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 2023-08-01
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. About 2 years ago I took out a payday loan. They sent me to collections and it went to ; CENTRAL PORTFOLIO CONTROL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ) XXXX We settled for less the amount due on XX/XX/XXXX. And I was to make 2 payments of XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I paid them off and they have yet to send me proof that is paid. I have tried calling them and they keep sending letter in mail but it never gets there. They also still have a balance like I havent paid off the collection. And on top of that they havent removed the lien from my vehicle. I dont know what to do anymore I have already paid them. 

They keep giving me the run around and the lien hasnt been removed from my vehicle I have attached below the balance that I owe and what I have paid already. Even tho it was settle for less than amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have been a customer with Khols for several years. I called in to make a payment in XXXX the payment would be one week late - I explained that this is COVID related as I have income from New York and I was not getting that income right now. I spoke to a supervisor on XX/XX/XXXX and I gave him my XXXX account information. He told me a payment of {$200.00} was needed for XXXX. I made extra- a payment of {$300.00} I told him that I am transferring with my job and I was worried about my credit report for XXXX. He assured me that my credit was fine and this extra payment would take care of the account and bring it current. He told me there were some late fees but he would credit them back for me. 

My current account balance should be {$1300.00} but KHOLS keeps reporting me with a high balance of {$1800.00} - and even though I paid on XX/XX/XXXX for {$300.00} they just reported to all 3XXXX credit bureaus that I missed XXXX payment. I found out today after calling 5 times that the customer service is offshoring their services- so the staff put me on long holds and transferred me to a dead line. 

I then tried calling the corporate headquarters in XXXX but got sent to a voice message box. 

Khols said the credit reporting is an error but it. will take 30-60 days to fix. I can not wait this long. I need a perfect credit score - even to get into an apartment- This is a nightmare

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: WELLS FARGO & COMPANY
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
Wells Fargo dispute resolution would not issue a chargeback involving merchant XXXX XXXX ' XXXX  which admitted to fraud. XXXX XXXX XXXX XXXX knowingly over-charged {$29.00} and Wells Fargo 's response is that merchants can run their businesses however they want.

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 2020-02-24
Company: EQUIFAX, INC.
State: NV
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:
I was hospitalized at XXXX Hospital in early 2019. I set up a payment arrangement with the billing department as soon as I was able to return to work after being out for three months. I am current on my payments of {$75.00} per month being paid directly to XXXX Hospital billing department. However, this medical bill is reflecting on my credit report as an unpaid collection from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/ ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}.

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 2020-12-05
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from AR RESOURCES Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter XXXX XXXX XXXX  they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) AR RESOURCES this item was deleted from my credit but reinserted without me being notify in writing within 5 business days. Consumer Protection afforded by the FCRA PART ( A ) ( 5 ) ( B ) ( ii ) Fine of $ 1,000.00.Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Beginning of Covid in XXXX our mortgage payments were refunded twice. I called and they said payments were suspended due to lock down. At the end of 2 years I was told I had to pay back payments totaling over {$89000.00}. Which I didn't have. In XXXX of XXXX my husband died after a long illness of XXXX. I was threatened with foreclosure. Since XXXX of XXXX I have sent in modification loan documents over XXXX times, only to be told something was always missing or I left out information. I had to take out bankruptcy in XXXX in order to stay in my home. The latest round was the final straw, again I am being told they didn't get the correct info and it was received late. I am XXXX XXXX XXXX with numerous health problems including XXXX XXXX. All I want is to be treated with respect and fairly. Help

Company response to consumer: Closed with explanation