BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a loan with XXXX XXXX XXXX, car got repossessed, but now XXXX sold debt to a company called XXXX XXXX, but XXXX  is reporting a balance of XXXX and they sold the debt to XXXX XXXX   and it shows I owe them {$15000.00} open date XX/XX/2018 so I dont understand how I can have 2 bad items for one charge off repo, I want XXXX to fix this or I want XXXX XXXX to remove collection from experian and XXXX and 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 2018-12-11
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
on XX/XX/XXXX I open a certificate of deposit with XXXX   the company start to report my payments as XX/XX/XXXX but up to now my credit score hasn't changed nor the credit agency hasn't posted no payment history on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have two separate banks one is PNC and the other is XXXX I use PNC for bill paying and normal deposits. I use XXXX for my work as an XXXX XXXX. I was trying to link my PNC account to it that way I could transfer money between the two and cit out some of the extra fees, I was also trying to create an account with XXXX the stock buying app. PNC would not allow the linked accounts. XXXX gave a message to contact the CFPB however I contacted PNC first to see of they could help. It was through there app not the phone. The person said it was not there problem I told them what was going on and the message that XXXX gave me. They said they don't know what to tell me and they have never heard of the CFPB. Then they ended the message. Unlike other times when I messaged them for something these messages were deleted after the call ended. My previous messages are still up as well as the survey I took after this incident. I should be able to transfer money from my own account when I want to. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I sent a request to dispute a dent I found that was being incorrectly reported on my credit reports. I requested information proving I owe the debt and received a simple letter head letter from CKS the amount I owe and nothing proving I owe the debt or any signed account information the debt even belongs to me. I requested this information. 

On XX/XX/2018 I sent a second request for the same information requesting signatures and more information from the original creditor being I never received my original letter to dispute this debt prior to reporting within 30 days as allowed under the Fair Credit reporting Act. 

I'm not getting any response to validate or prove I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought something off of XXXX, I sent the seller {$97.00} on XX/XX/2018 in XXXX currency due to them living in XXXX. They then asked me to send them {$50.00} in XXXX, for the item to be " marked as shipped '', the seller gave me a fake tracking number which at the time I did not realize. They then kept on postponing the date of when I would receive the product. They are no longer responding to my messages as well. I called Paypal because this is what I used to make the payments, they said to file a claim, and to write out what happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When updating my credit reports, I noted a collection from IC Systems for a XXXX debt. I have not had a XXXX account for at least four years.

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 2018-12-30
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2018 PayPal informed me that I needed to verify my taxpayer status, otherwise limitations would be put in my account. I did not know what this meant at the time. I tried to resolve the issue through the provided link but it was a dead link. On XX/XX/2018 I was informed limitations were put on my account. I called on XX/XX/2018 and emailed to ask for help but all I received was the same link and an alternative email address to send things through. I still was not told what to send. On XX/XX/2018 the 2nd time I called I was finally told what to send and I did so. However I was not told the whole thing and didnt find out the documents I provided were not adequate until I called a week later for a 3rd time on XX/XX/2018, waited 2 hrs on hold, and asked why the issue had not been resolved. I uploaded new documents verifying my taxpayer status and was assured this would be resolved within 24 hrs. Two days later, XX/XX/2018, I called for a 4th time to check again since it still was not resolved. I was assured I had submitted the right information but that their tax department was so back logged that they could not say when it would be resolved. This lack of information from PayPal has caused so much frustration and also as a result, I have had to put my XXXX business on hold as I can not accept any payments. I have been assured they will inform me when my account is ok but I have no faith that they will since they couldnt even let me know the original documents I provided were not enough. I do not want to keep calling, wasting my nights waiting on hold or for them to call me back. How else am I supposed to fix my PayPal account?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My previous mobile phone number is not available and I try to change my login information (a new phone number), but the system won't accept my passport. Last two months, I have emailed Coinbase.com four times regarding my login issue and there is no respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: EQUIFAX, INC.
State: VA
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 several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from XXXX going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. 
Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your XXXX Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan  data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported on my credit reports for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I sent certified letters on XXXX-18. The letters was received on XXXX-18. They state that they have verified the information with the party. But I have certified letters from the party stating otherwise and I also have a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My residence in XXXX XXXX, IA was severely damaged during the derecho storm on XX/XX/20. I was without power for 10 days and without Internet service for 12 days. I contacted Bank of America to request assistance with the property claim process as well as for assistance with payment options related to my mortgage due to the FEMA recognized disaster.

I have spent over 5 hours on hold with multiple Bank of America numbers ; I have been in contact with 7-8 different representatives. Only a few representatives have been helpful, while others just transfer me. I have also left voice mail. I have been told that my account has an alert regarding the disaster and that payment options are available. However, nobody has been able to assist with reviewing the payment options.

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 2018-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 my wife and I went to XXXX XXXXXXXX XXXX in XXXX, WA and ordered drinks in the amount of {$29.00}. When we left -- in a hurry -- we filled in the total to be an even {$30.00}, and signed for it. When we got home, we calculated that the tip was only {$0.00}. However, we discovered that they charged us a total of {$35.00}. I disputed the overcharge with CapitalOne and they immediately made a purchase adjustment on my account in the amount of the extra {$5.00}. The same day, the XXXX, I scanned my receipt and uploaded it for them to pursue the case ( Case number : XXXX ). Without further communication, on XX/XX/2018, I was charged for a " transaction rebill '' in the amount of {$5.00} for the Dining purchase made on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX  XXXX, where I hold two checking accounts, charges a {$15.00} fee for excessive transfers. When I opened my accounts, I transferred money BETWEEN these two accounts and learned of these fees the hard way. The bank explained, and refunded them, however the local banker and the phone bankers differed in the amount I was allowed to make ( one said 3, the other said 7 ). Ok so lesson learned, right? 
Apparently they also consider PURCHASES MADE VIA XXXX as the very same kind of " transfer ''! This was not only something unknown to me, but I didnt realize this until they charged me FOUR MORE TIMES - {$15.00} EACH - for what I discovered were my XXXX transactions as I had drastically reduced my transfers after the limit was explained. 
Again - I made TRANSFERS and was charged these fees, then they were refunded. 
I did not know a XXXX purchase/payment was considered the same. Nothing anywhere said that. 
This is the summary, however it has now been three months since Ive requested a refund ( and disconnected my XXXX account from them ) and they are giving me the runaround. This is unacceptable. The last contact was XX/XX/2018 when XXXX XXXX advised she needed special permission to refund the fees. 
Please remember, there was no " bargain '' here - I did not request, nor did I expect any separate service not promised to me by this bank. Their actions would be much more heinous if i were poor - but every bit as wrongful in my case. 
XXXX Note : They also charge {$3.00} a month for paper statements BY DEFAULT for new accounts - and dont give any clear instructions on how to prevent this - I had to go into the branch and be shown where to click a button to stop it - pilfering! )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-30
Company: EQUIFAX, INC.
State: LA
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:
Disputed an account to Equifax on XXXX XXXX, which belong to Ex-Husband and asked that it be removed as I had no financial responsibility on his account. Account remains verified as authorized user on my credit file. I would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, my mortgage servicer, Selene Finance, placed a notice of default on my property while i was one month late on my payment ( due for XXXX ). When i called the company, they said because my current payment ( XXXX ) " technically '' is due on the first of XXXX and i had not paid that payment either, therefore, I qualified for the Notice of Default on my property. 

This is ridiculous and contrary to how they and other banks in California have handled delinquencies. Not only is this hurting my chances of refinancing my second trust deed, again after the Great Recession that i seem to be unable to recover from and now this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection is regarding one months rent not paid due to repairs not made in my apartment for 6 months. Letters, phone calls, Registered mail, pictures were sent to manager as well as management company. I have copies of everything sent for 6 months. According to the written lease I had every right not to pay. I moved out in XX/XX/2017 and havent had a letter or phone call regarding this collection. NO CONTACT WHATSOEVER. I was alerted by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 mailed a check to settle a collection account for less then full balance. Check was received and credited on XX/XX/XXXX however on XX/XX/XXXX company reported the account to all 3 credit bureaus as an open collection with an adjusted balance due to reflect the settlement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: EQUIFAX, 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 never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of Equifax, XXXX, and XXXX, but I was unable to complete my request. The XXXX site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, Transunion, and XXXX, but I was unable to complete my request. The XXXX  site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.

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 2018-02-14
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been using Coinbase for 7-8 months now, and have had no issues. In XXXX, I wanted to withdraw my funds from the " Vaults '' that I had created in Coinbase. I have about {$3000.00} worth of digital currencies sitting in Coinbase and I felt like it was a good time to take the funds out of a public exchange. 

However, I realized that I don't have access to the secondary email account that I needed to use in order to confirm the withdrawal. I have opened multiple support cases, and the last time I heard back on XX/XX/XXXX ( writing this on XX/XX/ ) I was told that a specialist was on the case and that I'd hear back soon. They have since stopped responding to support emails and their phone support never seems to be able to answer the phone. I saw on XXXX that this was a good place to turn as a last resort. 

Main support case is Case # XXXX but I have also opened Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I made contact with the XXXX XXXX XXXX about this company, because an entry appeared on my credit report without any knowledge of the company or the amount of money owed. I requested a validation of debt from the company in writing and through the XXXX XXXX XXXX and MidWest Recovery assured they would honor the request and mark all three credit bureaus as account amount disputed. To date I have not receive anything in mail from MidWest regarding the debt owed and to my understanding 5 days after contact the company should honor by sending communication via US mail about the debt owed..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: EQUIFAX, INC.
State: IL
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'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is information on the equifax report that I never incurred. I have asked for an investigation to be initiated which was done and I was given a reference number to that fact. I never received the results of the investigation. Furthermore Eqifax states they can not verify me. If that was the case then how would they give me a reference # XXXX   and let me know the investigation is in process The information that I requested to be removed since it is not mine is as follows : 1 ) XXXX   opened XX/XX/2015- XXXX XXXX XXXX.

2 ) XXXX   Opened XX/XX/2013-XXXX XXXX XXXX

Company response to consumer: Closed with explanation