BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I ordered a XXXX Wells Fargo credit card for our daughter to use in case of emergency. 
The brochure with that XXXX credit card clearly stated that she could get a cash advance ( in case of emergency ). Our daughter tried to get such a cash advance at XXXX different branch locations without success. While this was going on I called Wells Fargo headquarters and was informed they had no power over any branch office to assist.

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
Consumer complaint received 2021-07-02
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Goldman Sachs used an old XXXX XXXX  that is NOT a valid email to me. They kept using that address, and I never got the notices on an account I started on XX/XX/2021. They then recorded and delinquent status to my credit report as three months delinquent on XX/XX/2021. Neither Apple nor GS would do anything about their error in assuming my XXXX XXXX  is my email. ( Old IDs could be anything, but more recently, Apple has required that IDs be valid emails ), unbeknownst to likely other customers who had old XXXX XXXX and had never used an Apple Card and me. The internet is rife with this problem and associated complaints. 
I asked them to release that delinquency, given a changed rule victimized me at Apple with GS that occurred two years ago and about which I was not advised. And restart their billing as of today. None of my credit card accounts are even 30 days past due. -- and they refused. They also would not refer this discussion to anyone who could help. 
THIS IS GROSSLY UNFAIR! and violates the transparency in lending. 
Apple consumers beware of this agreement between Apple and Goldman Sachs. This requires you, the customer, to use your email as an ID when you may not want it all over the internet and when all other credit cards can use the email you applied with as the notification destination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent collections account on my Experian credit report. FTC ID Theft Report # 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 2015-09-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Financial shows on my credit report that I owe XXXX {$1300.00} as of XXXX/XXXX/12. Per the Federal Trade Commission Fair Debt Collection Practices Act Section 809 Validation of Debts that the Consumer should be notified within 30 days of any debt. I am unaware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently released from XXXX XXXX XXXX XXXX  after being XXXX  for XXXX XXXX and XXXX XXXX. I had a friend help me with my credit profile so I can begin to build my credit so I can obtain housing after being locked up for so long. She went to pull my credit reports and noticed there was a collections account from Capital One which had been sold to XXXX XXXX due to non payment. According to my credit profile, the card was opened in XXXX and placed in collections in XXXX. I was arrested back in XX/XX/XXXX and was not released until XX/XX/XXXX so there is no way I was able to open a credit card in my name especially because in prison we did not have access to the internet. I have proof that I was XXXX  the entire time. I called XXXX XXXX on XX/XX/XXXX and the young lady on the phone provided me details about the charges and the account which I have no knowledge of. The address that the statements were being sent to was not my last known address before I was arrested. She stated they will start a dispute being that I was XXXX  but not sure if they will actually remove the collections account. I did not open a credit card account with Capital One being that I was in XXXX  for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is a continuing problem that I complained about XXXX XXXX. It started when Barclays double debited my checking account for my XXXX payment. I authorized XXXX {$4700.00} debit ; Barclays made XXXX. 

The next day, my card was rejected in NY XXXX and XXXX, XXXX. I called Barclays and they denied rejecting the card. They also suggested that it was a travel problem. I go to XXXX at least six times a year and sometimes make large purchases there, and Barclays knows that. Purchases in XXXX dont trigger a fraud inquiry. 

For several days I could use my card. Then, on XX/XX/XXXX it was rejected in XXXX, NY and for an online purchase. When I contacted Barclays, they said it was because I had not made my XXXX payment. Please recall that I made it twice - once was authorized, once not. XXXX, my checking account bank, had stoppec the second payment because Barclays XXXX had left my bank account overdrawn and when I called Barclays on XX/XX/XXXX, they could not tell me when the problem would be fixed. 

Barclays never notified me that they reversed the charge and that XXXX had stopped the other charge. I immediately made the payment AGAIN, which Barclays acknowledged. Yet they still will not let me use my card.

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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
IVE BEEN A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT ATTACHED ACCOUNTS ARE NOT MINE.

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 2015-03-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. 
XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are Midland Credit Management, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i call today to consumer portfolio services regarding my loan account XXXX to pay off the account today the last statement and what are reporting to my credit is that i own {$1500.00} i that include late fees and interest but went i call to pay off and ask for the amount to pay the lady said i own almost {$3000.00} and thats not what the statements or the credit report said. why are they reporting to the XXXX  that i own {$1500.00} in a loan almost {$20000.00} that i been paying since XXXX and went i want to pay today XX/XX/XXXX the amount is she said is higher than what the statement and record said

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have an online bank account with HSBC. My ATM cards have been deactivated. 
I called customer service and they informed me I needed to re-apply for an ATM card ( this is for a savings account! ) because they are now using chip cards. After twenty minutes confirming my information, they said a new ATM card would be mailed to me. I have had no access to my accounts during this time. I was told I could go to an HSBC branch and could access my accounts while waiting for new ATM cards. After 10 days, I attempted to go to the a physical branch. I was told that I can not access my accounts at the branch, only online. I ask if they could issue me temporary ATM cards, or help me in any way. I was told everything must be done through customer service via their phone number ( which is NOT is the US ) or online. When you try to address issues online, you are again told to call customer service. 
It has now been over two weeks and I have no access to my accounts and have not received my cards, and have been told by customer service to " keep waiting ''. I am very frustrated that an account that purports to be HSBC has no means to address customer issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The XXXX XXXX XXXX department of Santander Bank requested the renewal policy for a flood insurance of my condominium. I submitted my proof of insurance after few days that I received the request on XXXX XXXX, XXXX. I received a second notice and I immediately sent the same information again by fax and mail. In XXXX XXXX, XXXX, I received a note that the company forced me to acquire a flood policy and charged me {$2500.00}. I called many times and left many voice mails to the number provided by the XXXX XXXX XXXX department ( XXXX ). I sent by email the proof of insurance as well as the declaration page on XXXX XXXX and XXXX, XXXX to the customer service dept. and to the local branch who indicated that they will forward this information to the XXXX XXXX XXXX department. I opened a formal internal complaint about this case through the customer service area, however it was completely ignored. In XXXX XXXX, I faxed again all the documentation to the same Consumer Loan Servicing department ( XXXX ) as well as to the customer service office of Santander bank and I mailed the same documentation. In XXXX XXXX, XXXX, I visited the branch and talked with the branch manager about this problem.One of the managers mentioned that all the documentation was sent the first time that I submitted the information in XXXX XXXX. 

My main problem is the complete lack of response and consideration of the XXXX XXXX XXXX department. They never responded to any of my communications by phone, fax, mail or email, and they charged me an unjustified and unnecessary premium. I have also wasted a significant amount of time complying with a routine requirement which is easily satisfied with a simple form.

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 2022-10-14
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This was a cryptocurrency transaction. Coinbase has a major security breach that caused the loss of {$5300.00}. On XX/XX/22 I was trying to move some XXXX  cryptocurrency from my Coinbase XXXX to my Coinbase account ( with an eye towards cashing out ). I sent a {$25.00} test transaction to confirm that the XXXX was moving correctly from my Coinbase XXXX to my Coinbase account. That transaction was successful. Then I received a message INSIDE THE COINBASE WALLET APP asking me if i wanted to send additional funds to the same address that I had just sent funds. I clicked on the message thinking that this was simply Coinbase XXXX app providing a convenient method to repeat a transaction. Big Mistake. That message RECEIVED BY ME INSIDE THE COINBASE WALLET APP was either sent by a hacker who breached Coinbase security or a Coinbase employee trying to steal my money. So the {$5300.00} of XXXX cryptocurrency was stolen by someone who hacked the app from the inside. 

Not only did the hacker know that I had just sent a {$25.00} test transaction, but also knew that the COINBASE WALLET APP had basically no security. And infiltrated the app to commit this fraud. I contacted COINBASE 's customer service line within 10 minutes ( after I realized that there was a big problem ). So they knew almost immediately that there was a breach in their system. I have corresponded with their support team numerous times. Frankly, I am pretty sure that none of the customer service people even fully read the complaint. I have simply received legalist responses that never addressed the crux of the problem -- THAT COINBASE HAS A MAJOR SECURITY BREACH. I can forward the correspondence if you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
id theft victim chapter XXXX bankruptcy. fraud account professional debt me XXXX   XXXX XXXX XXXX XXXX  {$6300.00} XXXX XXXX XXXX not my account. fraud account

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 2015-05-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have filed a complaint with BCFP and The Attorney Generals office about the company " XXXX XXXX '' that placed the false debt ( which is not my debt and could not provide proof ) on my Credit reports. XXXX and XXXX have removed the item which is not my debt but Experian refuses to remove this item. I have filed XXXX disputes yet they still refuse to remove the item only to say that the company says it is my debt but still DID NOT provide PROOF.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: WI
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:
Experian continues to report late payments thru XX/XX/XXXX for a XXXX credit card account that was forgiven in full with a XXXX on XX/XX/XXXX ( see attached XXXX form ). I have disputed this account twice with Experian but they have refused to correct the error. These late payments are artificially reducing my credit score and affecting my ability to obtain necessary financing.

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 2022-10-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My leased car was involved in a total loss accident. My automobile insurance advised me to longer make payments on the car and that they would submit a total loss action with Ally financial and that would be done in a timely matter. I stopped making payments and also received a misleading letter from Ally Financial dated XX/XX/22 where at the bottom of the letter states, " Due to the total loss claim, your account is placed in special handling. If you receive billing statements by mail or electronically, then they will be suspended temporarily. '' I understood this sentence as my payments would be suspended. I therefore, did not make a payment and Ally reported the late payment to all 4 credit bureaus. I called Ally on XX/XX/22 and explained the above and disputed the negative credit entry. On XX/XX/22 I received a letter from Ally with the decision that they would not delete the late payment off the 4 credit agencies. Before this, I had a high score of over XXXX points and now my score dropped about XXXX points. The negative entry is affecting my future purchase of a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I would like to submit a formal complaint related to Citibank 's refusal to honor the CitiGold checking account promotion for XXXX XXXX XXXX miles after I had met all terms of the promotion. Upon enrolling in the CitiGold checking account under this promotion, I contacted Citibank directly via Secure Message to confirm my eligibility and ensure the promotion had been properly attached to my account. A Citibank representative replied ( see attachment for full documentation of my conversation with this representative ) and confirmed that the promotion had been properly applied to my account, my XXXX XXXX number had been linked, and I would receive the XXXX XXXX XXXX miles after meeting the promotion 's spending and bill pay requirements. Additionally, I also received hard-copy documents in the mail with my CitiGold welcome package that explicitly stated my enrollment in this promotion, and in no unclear terms also stated that the XXXX XXXX XXXX miles would be awarded upon meeting the promotion 's debit purchase and bill pay requirements. 

After meeting all of the promotional requirements in XX/XX/XXXX, I contacted Citibank again to get a time estimate of when I could expect to receive my promotional award of XXXX XXXX XXXX miles. Another Citibank representative responded and directly contradicted earlier communications from Citibank by stating the promotion could not be applied to my account, and the points would not be awarded. As a result, XX/XX/XXXX of requested an investigation be opened with CitiBank to escalate this issue. It has now been over a month, and I have still not received a response from CitiBank regarding the outcome of this investigation. As such, I have no choice but to escalate this to the CFPB to request their assistence in resolving this matter. 

To summarize, Citibank, through both physical and electronic communication ( see attachments ) has previously confirmed my enrollment in their Citigold promotion for XXXX XXXX XXXX miles. Upon completing all promotion requirements, Citibank has failed to fulfil their end of the promotional agreement, and has failed to respond in a timely manner to my attempts at resolving this issue directly with them.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions IdentityTheft Affidavit . 
Please delete these items as soon as possible : I noticed this problem in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 non-monetary relief
Consumer complaint received 2021-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company, which comes up as Portfolio Recovery on my caller ID and has many different phone numbers XXXX including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and others ) has been calling me several times a week, including early mornings on weekends, and leaving no message. I finally called back and they wanted personal information from me -- they said they needed it in order to " investigate. '' I did not supply it. They are debt collectors and they obviously have the wrong number, as I do not owe anything to anyone. I have also received multiple calls throughout the day, everyday, from many different phone numbers identified only as XXXX, CA, which may be the same company ; their numbers ( all XXXX area code ) include XXXX, XXXX, XXXX, XXXX, and many others. In one instance they named a person who is not me and who I do not know, but unfortunately I don't remember the name.

Company response to consumer: Closed with non-monetary relief