BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase has a 2 step verification process that includes texting a code to your cell phone as the second step. I no longer have the phone that I used when I first signed up with Coinbase and so my 2nd verification process is going to a phone number that I no longer have. I have tried on numerous occasions to log in, and then change my cell number so that this would be resolved. I was told that I had to have a Web cam in order to fix the problem, so I go out and buy a web cam and take a picture of both the front and back of my drivers license and then a picture of myself as well. That should be easy enough to do, but when I try to submit the pictures, I always get an error message. So I am still unable to log into my account. I have tried to contact customer service numerous times and have only had one response : " XXXX XXXX replied : Hi XXXX, Thank you for contacting Coinbase Support. 

Im very sorry for the difficulty completing the ID verification in order to recover your account. In order to complete account recovery, your ID must be uploaded by you into our system by webcam, along with a photo of your face ( a.k.a. a selfie ). Unfortunately this process can not be completed using the mobile app. 

If youre having trouble getting your upload approved, here are a few troubleshooting tips for uploading and verifying your ID : - Take the picture in a well lit area. Natural light works best. 
- Try to use indirect light for your ID to avoid glare - Use an up-to-date version of the XXXX browser - Clear your browser cache, restart the browser, and try again. 
- Wait 30 minutes between attempts If none of these steps help, please let us know and we will do our best to continue the troubleshooting process. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am making a dispute against IC syste m, Inc in a resp onse to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices A CT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This a ction constitute fraud under both  Federal and State Laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A fraudulent account was opened in my name, and I haven't been able to get Bank of America 's fraud department to take my calls, or respond to messages over XXXX. I was notified the account was opened over email towards the end of XXXX, and received a new notification today, XX/XX/22. I called Bank of America 's fraud department, and the first person was unable to help me. They transferred me to the checking fraud department, who hasn't answered the phone. I reached out to Bank of America through their XXXX customer service chat, but no one answered the chat either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Square Inc
State: FL
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 account has been locked for almost a month now for false claim of suspicious activity XX/XX/2020 I was transferring {$230.00} to my childs daycare teacher and the transaction failed I attempted the transaction once again before I received an email and text stating my account has been lock I contacted cash app on several occasions to find a way to have my account unlocked I have been ignored for several weeks I seeking legal action for the false accusations of suspicious activity my child has been kicked from the daycare program because of cash apps negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2023-02-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a claim with Navy federal for unauthorized transaction that I noticed in my account. On XX/XX/XXXX then I spotted additional charges on XX/XX/XXXX so I called to add those charges to the claim I was told that I would have to create a new claim but they will notate the account that the new claim goes with the existing claim. Same fraudulent transaction from the same entity done on different days. Well they just approved the first claim and found that it was valid but denied the second claim. The same fraudulent activity that went on with the first claim went on with the second claim they denied as well. I would like for my second claim to be validated and the money returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-06-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  credit reporting agency and   XXXX   XXXX   credit reporting agency is reporting an account on my reports that is incorrect. The account is  XXXX   XXXX   XXXX  this account was previously deleted off  XXXX  of my reports now is is reporting again. I spoke with corporate office with  XXXX   XXXX   XXXX  and it was agreed that it is to be removed  XXXX  and   XXXX   XXXX   should not be reporting this 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 2017-08-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Around XX/XX/XXXX I applied for and was approved for a Citibank Costco Visa card. On XX/XX/XXXX, I requested that my Citibank XXXX XXXX with the account number ending in XXXX be closed. At that time I tore up the card and discontinued it 's use. Please see the email attachment confirming closure of the credit card.
On or about XX/XX/XXXX I discovered that the card was not closed, and that a single recurring charge posted to the account. By the time I discovered the source of this charge, the card has been reported against my credit report as being over 60 days late twice.  Since the account was supposed to be closed, I did not monitor any activity on the card. I was not receiving any statements from Citibank either online or by regular mail. But this charge posted to the account and despite resolving this with Citibank.
I did receive a notice that I had a late payment on my credit card account. When I contacted Citibank, they pulled up my new Costco card and not the AAdvantage card  by mistake. They told me that the notice mailed to me regarding a missed payment was an error and to disregard. Again, since the AAdvantage account was supposed to be closed, that account was not checked. Had the Citibank representative practiced due diligence, they should have discovered the old AAdvantage account was not closed and the problem could have been resolved at that time.
This error has taken a significant impact on my credit. Citibank 's error dropped my credit score from and XXXX to a XXXX ( and at one point a XXXX ). I have been a Citibank customer since XX/XX/XXXX and up until this point I have never had a late payment with them. This late payment was not my fault. This late payment was due to CitiBank 's failure to properly close my AAdvantage account in XX/XX/XXXX. Had this account been properly closed, the single recurring charge would not have posted.

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 2017-08-30
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I had a medical emergency in XXXX XXXX NV. As a result, I was admitted to XXXX XXXX Hospital. I have XXXX XXXX Health Plan, which requires a {$50.00} co-pay for emergency visits. I fulfilled my financial obligations and paid {$50.00}.
Since XX/XX/XXXX, I have been receiving monthly bills from XXXX XXXX Hospital and from their XXXX department, XXXX XXXX XXXX, XXXX PA. The initial bill of {$30000.00}. was paid in full by my insurance company, XXXX XXXX.
However, XXXX XXXX XXXX continues to send me an outstanding bill, in the amount of {$1600.00}.
I contacted XXXX XXXX department on numerous occasions. Each time, the XXXX XXXX department informs me to disregard all billing, and to discard any bills received. Yet, the bills continue. I filed multiple grievances with XXXX XXXX XXXX regarding the continuous bills I receive.
Now, this outstanding bill of {$1600.00}. is now in collections, which affects my credit rating score. This matter is between XXXX XXXX and XXXX XXXX XXXX, and should not involve me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear CFPB. 

I am terribly concerned about what XXXX has done to me and my credit score. Last year I had issues receiving my statements around XX/XX/XXXX-XX/XX/XXXX. I had informed the company of this and they had assured me that they were lost/stolen statements and I was not responsible for this one time issue. Fees were reversed and I was told my credit score and report would not be affected by this confusing situation and that my statements would now be coming. I even called to tell them later on in XX/XX/XXXXto inform them that i was now receiving them and was no longer having issues. Recently I checked my credit report and I was mortified to see that they had reported me late after I was continually told that this would not happen. To my surprise and horror they had lied to me and reported me 30-59 days late on all three of my credit reports for XXXX AND XXXX of XXXX!!! That is two consecutive months they reported me past due 30 days each and my credit had dropped nearly 100 points. It is beyond my comprehension how they have done this to me when I called and informed them in XXXX and XXXX that my statements were missing and I had no idea if I had a balance due and what that balance was. This is incredibly unfair and I am horrified to see that they lie to customers and would like them investigated for this. They are ruining my life over an unknown mistake an dI would please ask the CFPB to have them correct it. I am afford to speak to them in fear of being lied to again and this taking another stressful year out of my life. Please please help 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 2017-08-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
constant collections calls all day Numerous calls in one Day, its Annoying and Violates the FDCPA on Collection Call Harassment on A Predatory loan imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower does n't need, does n't want or ca n't afford. LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my XXXX XXXX. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was XXXX XXXX XXXX whom reported. I contacted XXXX XXXX XXXX XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a XXXX mother with XXXX whom have XXXX and XXXX. As well as I am living in a XXXX XXXX from XXXX XXXX  benefits and department of XXXX assistance. XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my Comenity Bank debt. XXXX informed me that as of XX/XX/XXXX Comenity Bank is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XX/XX/XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX  responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted Comenity Bank and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through Comenity, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about XXXX XXXX number just being sent to different agencies without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: MS SERVICES LLC
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mountain States Adjustment appears on my credit reports for a amount of {$140.00} owed to XXXX XXXX XXXX XXXX XXXX as a result of excessive fees on a ATM withdrawal of {$20.00}. 
I paid the amount to XXXX XXXX XXXX XXXX and do not wish to pay this amount again to this third collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Paypal Holdings, Inc
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
I was notified by email that I was charged {$750.00} for an XXXX XXXX XXXX and charged to my Pay Pal account! I called Pay Pal and they told me that I had cancelled my Pay Pal account on XX/XX/XXXX in 2021!! They gave me a transaction number, and order number! They also gave me this telephone number to XXXX in XXXX XXXX XXXX CA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Contact nelnet about my student loan and receive no help. I filled out a repayment application, emailed it in with the correct documentation got an email response back that it was received. I was told it would take abo ut 10  business days to get a response. received another email that they needed me to verify if I was married and if I had children and immediately responded back. now they 're saying that I filled out the form incorrectly which they 've never said before. I was not told that it was on a recorded line I was not read a mini Maranda I claiming that this is an attempt to collect a debt anything obtained will be used for that purpose which is legally they are responsible to do and I still have not received any information about the form

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I'm having trouble with a transfer reversal, and I no longer know what to do. On XX/XX/XXXX, I initiated a transfer via XXXX banks  website from Robinhood to XXXX. The funds were debited from Robinhood but never reached my XXXX account as there was a reversal initiated by XXXX bank who Robinhood has their ACH account partnership with. The funds have not been put back into the Robinhood account. XXXX is saying that the reversal 'expired ' and all Robinhood needs to do is re-request funds. However, Robinhood has been a nightmare. I've spoken to many different people that sometimes understand but nothing ever happens. Raising my voice, not allowing the rep to cut me off on the phone eventually causes them to understand exactly what happened but it always results in them having to pass the case off to a 'team ' that I'm not able to speak to. It becomes an email chain where they eventually stop responding. Now, last week, Robinhood has frozen my account and is not responding to my emails. When I speak to them on the phone, they just say they will pass my information off, and I should hear back soon via email. I've tried calling XXXX bank  twice for any kind of info, but they are of no help and say I need to talk to Robinhood. 

On the XXXX site, I can still see the transfer in 'Manual ' status. Robinhood shows the account was debited and the funds are not there. Each time I've spoken to Robinhood on the phone, they say they need one more thing. I've now provided statements from all accounts I have ever linked going back 4.5 years ago, a copy of my passport, a live picture verification, a copy of my driver 's license, and a copy of my SS card. I have no idea why they needed all these things. 

This is the shortened version leaving out how many times I've spoken to all the banks and the endless hold times and endless email chains. I'm getting desperate and I know I messed up using my Robinhood account as my primary bank account for over 3 years now. I never had an issue until now. The transfer was for {$1000.00}, so I have been panicking a bit. The fact that they froze my account is also causing issues paying bills and screwed up my paycheck when they froze it on a payday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX and Equifax had reported the loan as closed and paid in full. XXXX had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.

Company response to consumer: Closed with explanation