BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: UT
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:
Experian continues to be a nightmare for me. I have been denied a home loan because Experian has erroneous collections on my report. This was removed as erroneous from company. Experian still has it listed

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 2017-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in XX/XX/XXXX USAA decided to restrict my online account access to USAA.com preventing me from seeing or accessing any of my accounts. On XXXX XXXX 2017 there was an ACH withdrawal for {$4000.00} which simply stated member generated. Seeing as I did not have access to usaa.com I do not see how I could have generated this ACH withdrawal, but seeing as there was no other identifying information I promptly requested more information from USAA to help identify the transaction. I made this request multiple times throughout XXXX and XXXX of 2017. Now in XXXX, I received letters stating I disputed the transaction and am asked to sign all these papers stating I did not authorize the transaction I still have no information on. USAA failed to do provide information on this transaction as requested yet demands I send in a signed affidavit stating I did not authorize a transaction I simply have not been given any information on in order to identify it. Furthermore, the letters request XXXX upload the documents on USAA.com which I am restricted and unable to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CAVALRY INVESTMENTS, LLC
State: NJ
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'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3.  Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammers scammed money for job offerings and house purchases. 
One transaction is a check deposit, from XXXX XXXX to the Bank of America. 
Date : XXXX XXXX, XX/XX/XXXX. {$3000.00}. Check # XXXX XXXX XXXX Deposit into Bank of America XXXX XXXX XXXX XXXX ACC No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XX/XX/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 2017-08-02
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX I opened checking account with PNC bank when I started to work in the US ( XXXX, PA ). When I left the US I asked bank for international use of debit card. In XX/XX/XXXX PNC bank issued new card valid till XX/XX/XXXX. In XX/XX/XXXX I moved to XXXX ( I am XXXX citizen ). But on the XX/XX/XXXX of XX/XX/XXXX, I received letter from PNC, that my account closed on XX/XX/XXXX without explaining the reason. My debit card was blocked also without explaining the reason. I send letter through secure online banking message center, but only on XX/XX/XXXX I received letter with cashier 's check for the balance of XXXX XXXX. My bank in XXXX refused to deposit cashier 's paper check on my account and recommended me to use electronic transfer saying that this is usual internetional banking practice. I tried to find other bank or company in XXXX to cash out the PNC check, but nobody here accept paper check any more, in the era of smartphones and electronic transfers. My XXXX XXXX expired and I can not go to US to collect the money ( almost all my saving, I am adult and money for medicine ). On XX/XX/XXXX I sent complaint to PNC bank to inform the bank about impossibility to deposit check in XXXX and asked to annul the check and remit money via XXXX electronic transfer or through online banking or through my debit card to my account in XXXX ( complaint Reference Number XXXX ). But on XX/XX/XXXX PNC bank refused XXXX trasfer and refused to accept the return of the check, cynically apologizing for inconvenience for preventing me from the access to my money. As a result, from XX/XX/XXXX I have no access to my money that I entrusted the bank and do not see any way out of the situation. On XX/XX/XXXX, 6 months after issuing the casier 's check, it will be post-dated and I will loose even theoretical possibility to get my savings. PNC bank completely ignored my interest as customer and refused to cooperate to solve the problem. It was PNC bank who initiated closing of checking and saving account and bank should did everything to protect my interests, but didnot. Nobody asked me what is the suitable way of remitting the balance to me. Please note, that my account was closed immediately after I informed bank about relocation to XXXX. The bank knew that they use antiquated paper system that doesnot work outside the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America has stated through their research in case # XXXX that my accounts ending in XXXX ( checking ) and XXXX ( savings ) were closed due to two checks totalling {$200.00} and {$200.00}, respectively on XX/XX/2018. Bank of America included a copy of both checks issued from a company called XXXX XXXX XXXX. 
I have never done business with this company nor do the endorsement signatures match my signature. The bank has examples of my signature and should be able to compare ( Please see attached checks ). 
Typically, according to bank policy, I have up to 60 days to notify the bank of any errors once I receive my bank statement. I notified the bank in a timely manner before filing a complaint with the OCC stating that my account was closed due to these checks which I did not have any knowledge of being deposited. 
Bank of America has stated in its correspondence dated XX/XX/2018 that this constitutes " unsatisfactory handling '', and has reported to XXXX  and XXXX XXXXXXXX XXXX, damaging my credit worthiness. Throughout my time with the bank, I have transacted thousands in business, therefore this decision was not properly handled. 

I ask that accordance with Fair Credit Reporting and FACT Act that these accounts be removed from my consumer reports, as I have notified the bank that my identity has been compromised and any unfair reporting is a direct violation of my civil rights.

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 2021-07-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this bank apparently is trying to block from refinancing my loan, i received the opportunity to cut my loan term from 30 years to 15 years and interest rate from4.75 % to 1.99 % and since XXXX XXXX i been trying to get the correct paperwork and payoff from Santander consumer USA XXXX spending several hour and frustration with different departments. when i received the first payoff it came showing a second lien with a balance of {$4700.00}, being the only stipulation to close on the new refinance, to provide a payoff showing balance {$0.00} on that " second Loan '', Santander bank gave me instrunction on how to pay the blance and i did on XXXX XX/XX/2021, ever since i been transferred and bounced from departments and departments and several supervisors with the promise of resolving the issue and i will receive the payoff in a couple of hours, im here on XX/XX/XXXX, almost 2 months after still trying to get a payoff and forbearance documentation explaining when my loan went into forbearance and when came out plus the payoff showing the second balance paid in {$0.00}. I'm about o lose the opportunity.

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 2020-05-12
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 an UNAUTHORIZED CHARGE of {$560.00} was found on checking account XXXX within 24 hours. A phone call was made within 24 hours of the posted transaction ( documented on phone logs via XXXX ), a Written Statement of Unauthorized ACH was signed and mailed, with documented and filed multiple copies. All Arvest Bank Dispute Guidelines were fully met to Dispute and Credit the checking account from this fraud. 

A statement was received much later from a Representative named XXXX XXXX as follows, '' Unfortunately, we ( Arvest Bank ) have to end our relationship with you because you had your account broken into. You are a high risk to our relatively new bank formed by the XXXX Family. We're looking for better customers than you to improve our community image as fictionalized in our television commercials. We will not dispute these charges on your behalf even though they meet the guidelines for fraud reporting. Furthermore, we will deny that we ever sent you correspondence regarding this matter and will state all documentation as counterfeit. Good 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 explanation
Consumer complaint received 2021-04-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi on XX/XX/2021 my Coinbase account was hacked using a SIM card swap. Whoever gained access to my cell phone number, was doing change my password and verify with my cell number. However they disconnected my phone and all my texts were going to them. I disabled my coinbase account and verified my account and was able to get back in two days later. However, these hackers still had access to my phone number which I did not know at the time. They were waiting for the verification process to go through to try again at hacking my account. After coinbases verification process they were able to get me out of my email completely and back into my coinbase account. I ended up canceling my service provider and getting a new phone number. My problem now is that coinbase is not allowing me back into my account. I can not get into the account to change my phone number OR verify my identity. I get an error message saying account disabled contact support. I have around {$5000.00} in there. When I email them they say a specialist is  working on my case. Ive learned through XXXX that no one is working on my case. I desperately need help. I want all of my money back or at the very least access back into my account so I can withdraw all of my money. I had absolutely no idea they were enabling hackers ( they cant void transactions, have no idea where money goes when its been sent, dont answer emails or have a phone line ). Im praying you guys can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Central Financial Control Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and CENTRAL FINANCIAL CONTROL is violating HIPAA Privacy laws and I will be seeing them in small claims court!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
SUBJECT : KEEP NOTES My servicer is FedLoanServicing ( myfedloan.org ). 

I submitted a request for employment certification. It was processed incorrectly, assigning dates that had no relationship to the dates on the employer-signed form which I submitted. Based on those bad dates, I was given PSLF credit for the wrong payments. 

On XX/XX/2020 I used the servicer 's website to submit a message requesting re-processing / correction. 

As of XX/XX/2020 nothing had happened, so I called. The representative ( XXXX XXXX ) could see that I'd submitted a message on XX/XX/2020, but the representative COULD NOT SEE the text of the message, nor did she think that the person who eventually processes the correction would be able to see the text of my message. The representative sent her own request asking for the previously submitted documents to be re-processed with the correct dates. I also asked XXXX to send me confirmation of my call and her actions. She said that a " special email '' would be sent to me in 7-10 days. 

Also on XX/XX/2020 I spoke with a representative ( XXXX XXXX ) to follow up on a XX/XX/2020 request to have my XXXX payment refunded as authorized by the CARES act. XXXX COULD NOT SEE my XX/XX/2020 request, which again I had submitted via the servicer 's website. He could not see my request at all, even though I have a copy of the request text, a screengrab of the system 's confirmation of receipt of the request and a copy of the same-day email confirming receipt of the request ( but not including the text of the request ). XXXX re-started the request and also requested that a confirmation of his actions be sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NJ
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:
This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. According to Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. Since it has been 50 days they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two addresses on my Experian Credit record that do not belong to me. I have never lived in XXXX Az.  or XXXX Hi. 
I have lived my whole life in California. 
1. ) Belongs to Ex-Wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX 2. ) Belongs to My Son XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii 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 2020-07-05
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC has blocked any and all external apps from accessing an account. I have several savings apps attached to my bank and I am unable to withdraw any of my money because PNC wont allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX sent dispute letter to verify to XXXX about the collections are incorrect due to the previous 3rd party had to remove collections because the medical bills were paid out of a settlement case from car accident liability case. XX/XX/XXXX sent 2nd dispute letter to XXXX   once again asking for verification and removal of medical collections.  Also sent by fax XX/XX/XXXX to XXXX XXXX XXXX XXXX ( 3rd party collections ) to verify and remove collections due to it was a liability case and was settled in XXXX. Also sent by certified mail to both the XXXX XXXX and Street address for XXXX XXXX XXXX ( 3rd party collections ).  Called on XX/XX/XXXX to have XXXX XXXX XXXX XXXX removed and they were rude stating it was my debt no matter how many times it would be sold and then they hung up on me. My credit was in great standings and in the 700 's ( for almost 2 years ) now its negative and in low 600 's.  The following are the amounts stated on my credit file : XXXX {$470.00} XXXX {$46.00} XXXX {$320.00} XXXX {$55.00} XXXX {$220.00} XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been disputing information on my credit with TransUnion for over 3 years. The information is still on there and I requested copies of how they came up with what is reported on my credit report. I am in the military and it is required that I maintain a security clearance. In order for me to obtain it a few years ago, I had to pay creditors that I did not owe. I am attaching copies of letters that were sent and a copy of credit reports. The only thing that TransUnion did was send me another report over and over. One of the XXXX XXXX accounts were deleted but they left the other one. Please help me in getting this information corrected. 

The companies are : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - According to credit report it will be deleted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - the other account was deleted but this one was left. 
XXXX XXXXXXXX According to credit report, it will be deleted XX/XX/XXXX Thank you in advance.

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 2018-07-06
Company: SRA Associates, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SRA collection company location XXXXXXXX XXXX XXXXXXXX XXXX XXXX nj zip code XXXX phone is { XXXX } XXXX XXXX, my complaint is that there unlawfully pulling my credit report doing soft pulls and also calling my home phone XXXX XXXX around XXXX in the morning and also my cell phone XXXX XXXX too I told them that I don't owe any debt with this company and I have a common name, they also call me on private numbers by blocking there numbers, can you please tell these animals to leave me alone and stop harrrassing me and my kids asking for me when my XXXX year old picks up the phone, the company is trying to used muscule by imtimidating me by trying to sue, it this keeps up im going to sue them,

Company response to consumer: Closed with explanation