BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit card is set up with US Bank to auto-pay the full balance monthly and has worked well until XX/XX/XXXX. For XX/XX/XXXX, US Bank initiated the payment but did not post it until after the statement cutoff and showed the balance indicating the payment is overdue.

I contacted US Bank and was told all was well, the payment was posted but after the statement cutoff. In XX/XX/XXXX, the ACH showed up but was not for the outstanding balance after the XX/XX/XXXX payment was applied, rather US Bank took the entire amount for XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX ; even through US Bank already received XX/XX/XXXX payment ( {$3100.00} vs. {$1000.00} that remained after the US Bank applied the XX/XX/XXXX payment ).

Since I budget funds in my checking account sufficient to cover actual debts between paychecks and invest the rest to earn a higher yield, this nearly double charge, if not timely remedied, will invoke my overdraft line of credit resulting in interest charges. I expect reimbursement for any costs created by US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
{$6000.00} was withdrawn from my XXXX account while I was outside the country and i had my debit card with me all the time but when I contacted Bank of America they told no errors was occurred.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
It is unjust that XXXX businesses can have access to such personal and potentially damaging information such as my Social Security XXXX, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX- {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.

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 2019-10-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
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: Information belongs to someone else

Complaint:
TransUnion Allowed, and authorized an inquiry on XX/XX/2018 for XXXX ( XXXX XXXX ) this is a fraudulent inquiry. I called the fraud victims assistance line. I was then transferred to a fraud specialist which told me he couldnt help me block the fraudulent inquiry from my report even though I stated I didnt authorize it. They also have my police report on file. Additionally the agent was very rude. He said he would transfer me to a supervisor and never did.

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 2019-03-08
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a settlement with Navient that I am repaying. I started this repayment in XX/XX/2018. Navient has cashed 2 of the 4 checks I have sent them. The account is still accruing interest, even though it is not supposed to because it is a settlement. They are now reporting delinquency to the credit bureaus, even though they have 2 checks I have sent them but they have not cashed them. I have attempted to contact them and no one knows how to put me in touch with the post default payment department. They have told me they will have someone get into touch with me and that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Company called while I was working and refuses to communicate unless I revealed personal information including SSN info. I refused to comply with that request but I called back to make sure I was speaking to a real rep. Unfortunately at this point I was hung up on. I called back and asked a gentleman for help and he raised his voice and yelled over me ... twice. Then he hung up. I called back and spoke to a female CSR and she also hung up on me after " reviewing '' my file. At this point, I think they were just running some kind of scam, since only a lack of oversite and leadership allows this unprofessional behavior but they did give a real business name, CBS Collections. 

No information about the " debt '' was ever discussed or disseminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: CNG HOLDINGS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX  collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and XXXX XXXX XXXX continue to report the account as belonging to me, affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Debt Management Incorporated
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On X/XX/17 I contacted this company to get written notification of the amount owed so I can secure a certified check and secure record. The person I spoke with refused to send me anything, saying letters were sent years ago to an address in Wisconsin. I explained I can not pay, but want to pay, but I need a letter. I asked to speak to a supervisor and he explained he was the director and I am not going to speak to anyone else. I want this off my credit report, he stated he does n't care if if I pay it off or not, and it could stay on my credit report forever, he just did n't care. His tone was overwhelmingly aggressive and intimidating, unprofessional and his tactics are terrifying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Silverman Theologou, LLP
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Greetings CFPB, May this email find you well. The Government Printing Office hired the law firm of Silverman Theologou , LLP, XXXX XXXX, XXXX, XXXX XXXX, XXXX to file a claim in DC XXXX XXXX against XXXX XXXX XXXX previously, for credit card debt of approximately {$600.00}. 

I filed an extension of time request on XX/XX/23, to allow me sufficient time to present a successful counterclaim. On XX/XX/23, I checked the court case records and discovered the court case file by Silverman Theologou , LLP, XXXX XXXX, XXXX, XXXX XXXX, XXXX  and the Government Printing Office was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 unverified charges were made on my credit card totaling over {$1000.00}. I disputed these transactions, but BB & T decided that these charges were legitimate and will not reimburse 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 2022-01-13
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:
on XX/XX/2022 I called EQUIFAX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from Equifax nor XXXX XXXX  XXXX. While I was on the phone with an Equifax XXXX, I informed her that I already called XXXX XXXX XXXX and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did EQUIFAX obtain to verify the debt and the XXXX aid she did not see anything there, even though the account has been disputed before and Equifax allegedly completed an investigation but does not have any documentation regarding the debt. EQUIFAX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have tried to contact the company ( XXXX ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on  time. Back in XX/XX/XXXX and XX/XX/XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.

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 2021-08-04
Company: Nelnet, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Department of Education and all 3 credit bureaus along with Nelnet continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, My name is XXXX XXXX from XXXX, NC. I travelled to XXXX for a trip in the month of XX/XX/XXXX. I have an account with Coinbase Inc for virtual currency and before i left, I bought XXXX Litecoin before I left to XXXX. I was unaware of the sanctions and laws about logging into Coinbase, particularly from XXXX, so when I attempted to log in to check my account, I was immediately logged out and my account was locked. I was asked to submit 2 documents to verify my identity, however there was no place on the site for me to upload them. I then emailed Coinbase Support my bank statement and my drivers license on XXXX XXXX and they confirmed that they got the documents. It has been over 1 week, and after multiple attempts of getting them to unlock my account, I am still locked out with no money. 

This is the same response I get everytime I try to contact support : XX/XX/XXXX XXXX Hi again, Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

We respond to cases from oldest to newest, and creating new tickets only makes your case appear new again, moving it to the back of the line. 

I understand how frustrating it can be to wait, but this is the fastest way to receive a response. 
If your request is cleared, well send you an email. 
If you need any additional assistance in the meantime, please let us know. 
my coinbase Ticket # is Case ID : XXXX Thanks I called Coinbase Support today on XXXX XXXX, they told me that there is no balance on my coinbase account. This is extremely scary for me because before I left, I had XXXX LTC in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Dear Sir/Madam, My name is XXXX XXXX , I am an American citizen living in XXXX. XXXX has been my home since I was XXXX years old and today I am XXXX years old. Last year I started a company called XXXX XXXX XXXX and plan on moving to New York sometime next year in order to grow the business. 
I ordered my free annual credit reports from all XXXX credit bureaus to make sure everything was ok and to my surprise there are almost XXXX closed accounts on my report. 
Someone has been opening accounts under my name, using them, dumping them on opening new accounts for the past XXXX years. 
As I mentioned earlier, I am in XXXX so it is extremely difficult to get in touch with law enforcement in order to open a case and find the perpetrator of these illegal acts. 
As a proud American who wishes to come home within the next year, how do I get my reports corrected? I am at the stage where I need to start building business credit and in order to do so, I have to also build my personal credit however with all these negative accounts under my name, it seem highly unlikely. 
I could contact XXXX of my lawyers to go at this but instead, I'd rather we find a solution together as I believe these wrongs can be corrected. 
Can you please assist me in this matter? 

Regards, 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 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in 2017 and this is inaccurate. 

Also XXXX is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-09
Company: D2 Management LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
COLLECTOR KEPT CALING ME FOR XXXX XXXX XXXX AND IS COLLECTING ZOMBIE DEBT THATWAS SOLD TO XXXX XXXX XXXX AFTER THE SOL EXPIRED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
I have been a victim of credit card fraud involving the Capital One Silver One credit card that I own. On XX/XX/XXXX thieves made online purchases on Walmart AR ( I live in XXXX XXXX ). I was notified 2 later and immediately disputed the charges. Of the charges, {$300.00} were effectively charged to my card and another {$300.00} were declined due to being over the card 's limit. After spending around 1h speaking to a non-native XXXX-speaking representative ( " fraud department specialist '' ) I received several emails reassuring me that I would not be penalized, as is their contractual obligation. However, the charges were made. I had another over-one-hour call with another non-native XXXX speaking " fraud specialist '', who was not familiar with the USA legal system and encouraged me to seek law enforcement. My card statement changed in front of me, on my computer screen, as they proceeded to lie, saying everything was taken care of. Another charge was done a few days later. Another hour on the phone. After that Walmart made what looked like two credits to my account and several days later Capital one charged me with {$300.00} as billing adjustment. After so many charges, credits, adjustments, letters with discrepant numbers, I have no trust that my actual balance is accurate. Capital One only reacts to legal threats. Their consumer review is the worst in the scale, by thousands of customers. I took time analyzing them and Capital One actually infringed the law with several of them. Finally, they lost my card on the mail and were going to charge me for a third card. Had I not reminded them that that, too, would be illegal, to which they responded that they would not charge me anything, I am sure I would. In terms of billable hours, they owe me at least {$1500.00}. However, they have caused serious damage : I have XXXX. I had to be medicated because of the pain caused by the bad connection. I have filed a XXXX complaint but havent heard from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-09
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not had a XXXX account in almost 3 years and it says this was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Navient Solutions, LLC.
State: FL
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:
XXXX XXXX XXXX # XXXX Company keep reporting into my credit report in my credit report I wrote them several time plus I sent letter to all three credit bureau nothing been solve please I need help solving this. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, or incomplete, you have violated federal law I expect you to make a reinvestigation immediately. my social number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You guys can't get this right my report is still inaccurate you are to update the status of all accounts to sold charge off because the status of the account is sold and charged off you are update all payment status to sold charge off because the account is sold not in collections HOW CAN A CREDITOR REPORT YOU IN COLLECTIONS WHEN HE SOLD THE ACCOUNT MY NEXT STEP IS TO SUE EXPERIAN

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