BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. XXXX XXXX  and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with Bank of America with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.

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 2021-03-19
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail on XX/XX/2021 from the Transworld Systems Inc. However, because I am a XXXX, I didn't check the mail until yesterday on XX/XX/2021. 

The letter is a collection notice of an attempt to collect a debt of {$150.00} to XXXX XXXX XXXX XXXX. 

I have no idea what this debt is about. I've tried contacting XXXX and XXXX XXXX but I can't get through to an actual person. 

I will be sending a validation letter to XXXX XXXX today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am applying for a mortgage. When companies try to pull my Equifax credit score/report, they receive an error message that " APPLICANT INFORMATION FROM THE INQUIRY HAS BEEN IDENTIFIED BY THE CONSUMER AS FRAUDULENT ''. This error comes with error code XXXX I have called Equifax and they said that there are no fraud alerts on my account and there is nothing they can do. They told me that I couldn't speak to a XXXX to resolve because there was nothing that they could see that the representative couldn't see. 

This is an unacceptable response by the credit bureau. I own my credit and they can not impede my ability to apply for financing without offering to resolve. 

When I look on MyEquifax.com, it shows that I do not have a Fraud Alert, but as mentioned above, when the banks try to run my credit from Equifax they are told that I do have a Fraud Alert and that I need to call Equifax at XXXX. 

Attached is an example of the error that the lenders have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to the company National Credit Adjuster for two collectiom debts that they have with their office. The company has failed to provide any documents bearing my signature or any contracts showing the debt is owed to this company. They have tried to utilize a stall tactic by sending a letter stating that 30 days was not even time without providing any timeframe they could provide proof of debt. However, this company consistently continues to report this debt monthly to the bureaus affecting my credit report. Acct # XXXX and XXXX. letters are attached as well as certified receipts. This company letter stated they are ceasing collection efforts however, they are repeatedly stating they have validated the debt with the bureaus with no information sent to me. This is a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: HOMESTAR FINANCIAL CORPORATION
State: KS
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I filed a joint application with Homestar Financial Corporation for a USDA Single Family Home Rural Development mortgage/loan. We have been ignored/mislead/lied to regarding the acceptance or denial of the loan by the USDA underwriters, among many, many other faults. Our loan officer told us that the USDA denied the loan, but after contacting the USDA directly, they informed us that they had in fact not denied the loan. They told us we need to contact Homestar directly. We have contacted the local Branch Manager, the Division Manager, and the corporate office 's Compliance Division. Corporate has told us repeatedly that the Division Manager will be contacting us, but he will not return phone calls or emails. A week after the loan officer lied about what the USDA said, we still have no answer as to what the true status of our home loan is. I have a word document that details the entire experience and our attempts to find answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a text from TD bank on XX/XX/2021 that they had suspicious activity on my savings account. I talked to them immediately and told them that I didnt make these withdrawals. XXXX was taken out 8 times plus 3 inquiry fees for 9.00and 8 ( XXXX ) fees for atm fees totaling {$1600.00}. I told them I thought I knew who fraudulently withdrew this money as I found out this man has a long criminal record for stealing, burglary and grand theft. I filed a fraud complaint on XXXX and also a police report the same day. 2 days later I was told it wasnt fraud. I filed another fraudulent claim to dispute this on XXXX. Once again they denied it and said it wasnt fraud they said cause they said I compromised my PIN number. I never gave this man any personal information about me. He is a convicted felon and probably somehow seen my pin. I dont know how he figured it out! So I contacted the XXXX on XXXX. They sent me a response on XXXX that Td bank still says it wasnt fraud! The XXXX county sheriffs office supeoned Td bank for the atm location so they could review the film to see who withdrew the money. On XXXX the sheriffs office contacted me to say that they would have to close the case because Td bank didnt know what atm the money was withdrawn from. XXXX said that if I couldnt get that film to show who withdrew the money on the XXXX th of XXXX, I wouldnt be reimbursed the money that was taken out of my account! I dont know what else to do. I am so very very upset and I dont think its fair that I have to go through all of this. I am the victim and I thought I did everything right to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a call returned call. Transferred me to someone e else. Before is said anything he asked is " this XXXX XXXX '' then he said " ok Mr then he said my birthrate and last 4 of my social '' then send there a court case that has been filed against you ''. At that point I told him not to call me again. Ever sence then they've repeatedly called from XXXX XXXX XXXX. Then they would call from a random cloned number right after. They do this 2 to 3 times a day sence XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: BRAZOS HIGHER EDUCATION AUTHORITY, INC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I build up a staggering debt both on private and federal loans pursing a XXXX at an XXXX University school XXXX. Unfortunately many things happened in my life and I could not pursue XXXX resulting in the default of the loans with XXXX and XXXXl loan companies. I can not afford to pay on any of the loans with my part time XXXX as an XXXX. The loans are in default and they are suing me in both civil and supreme court in XXXX New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was a result of identity theft due to an Equifax credit breech which I filed a settlement it had been already disputed and removed from Equifax back in 2020 and the original creditor is sprint for the amount XXXX. Now it has been sold to another collection agency source XXXX XXXX XXXX for the amount of XXXX and this fraud has been reported by Equifax on my report. Equifax has a responsibility to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CENTRAL BANCOMPANY, INC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inquired on a loan through Online Central, a division of The Central Trust Bank. XXXX XXXX ( XXXX : XXXX ), the agent, would following up constantly to get the application and my documents over. I have a excellent credit and strong income. He would follow up at all hours so I completed everything. Now I have been unable to get ahold of him for weeks. He will not respond and has been XXXX. This is frustrating after all credit and private documents have been sent. This makes it feel very much like a scam, do not use.

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 2018-06-08
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with PNC Bank. The bank gave me the option to fund the new account with a credit card and so I did. {$1900.00} was charged to my card and made it to the account on XX/XX/2018. A " cyberfraud '' security freeze was put on the account soon after. Now I can not move or withdraw the {$1900.00}. I call PNC to resolve the issue and they say that the only way I can have the account unfrozen is by going to a PNC branch for ID verification. PNC Bank does not operate in my state, California. I am not going to book a round-trip flight to a PNC location to get my identity verified. 
PNC should not have allowed me, a citizen of California, to open the account to begin with, if it requires flying to the east coast to verify ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I applied for a car loan with XXXX credit company an received finicancing an was told my credit was ran only with XXXX but later found out that my credit had been ran XXXX times an cause me to loose XXXX points on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CITIBANK, N.A.
State: VA
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 was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX  method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : 2:19-cv-00713-DAK-EJF, requesting Zurixx LLC to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. 2:19-CV-00713-DAK-DO vs. Zurixx LLC and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with CITI Bank with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.

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 2022-04-11
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked up my credit report and noticed a bunch of car inquiries on my credit report that I didnt authorize because I just got me a car 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 2021-03-19
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Coinbase Inc a crypto currency exchange company. I sold my crypto currency coins and converted to USD cash, the amount of the transaction came out to {$19000.00}. This money, my money, has been sitting in my account since XXXX I have asked Coinbase to transfer the total amount back into my checking account they have yet to do so despite my repeated requests to do do. Attached are several email responses from Coinbase to my requests to transfer my money ; Case # XXXX XXXX Hello XXXX, Thanks for contacting Coinbase Support. 

We've reviewed your Coinbase account and determined that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods. 

You can sell any cryptocurrency you currently have on Coinbase, and once the funds are available, you XXXX withdraw them to your linked bank account. 

We're not able to provide you with any additional information at this time. 

Regards, Coinbase Support XXXX Hi XXXX, We've transferred your case to a specialist who will be able to further help with this issue. 

We currently have a high number of requests, but our team is working hard to quickly get to yours. We will contact you as soon as your case is reviewed. 

In the meantime, if you have any other questions, replying back to this email is the best way to get an update submitting another inquiry for this issue will cause further delays. 

Thanks in advance for your patience. 

Regards, Coinbase Support ref : XXXX : ref Previous to all of this I opened a case number with CFPB ( XXXX ) because Coinbase in early XXXX locked me completely out of my account for over 2 months. I could not log in, I could not talk to anyone there, I received no responses to my email request to allow me access to my account. They finally unlocked my account but told me I could no longer buy or sell crypto currency. At that point I sold my coins and now I'm being prevented from access to my cash. PLEASE PLEASE PLEASE help me this company is causing me to lose sleep and I'm getting ill over all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute with Chexsystems over a month and a half ago. I have been expecting to hear from them or receive a letter regarding my dispute. I have n't received anything from them. I just got off the phone with them and they said that there is no record of my disputes at all, which is a lie. I sent them the disputes via certified mail. They have information on my report that does n't belong to me at all. I want the information removed due to the fact that they have blatantly disregarded my dispute and ignored it like it was going to go away. I have attached the final letter that I mailed to them today. They have 30 days to remove the items off of my report or I will take them to court.

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 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Received a call from bank of America ( my banking agency ). Was asked if I'd authorized a XXXX transfer of {$3500.00}. I said no. Didn't even have XXXX set up. Was told I'd have to set XXXX up so the money could be returned. Followed the caller 's directions and transferred the money back to myself. When I ended the call I double checked my bank account and saw the money was gone. 

Called bank of America back and was told their number had been spoofed and I was scammed. They started a claim and said it could be 10-45 days for a resolution. I was informed the money went to a XXXX XXXX and they would try to get my money back. I was told they had sent information of this type of scam via email awhile back. I was also told they wouldn't be able to do anything for me if XXXX XXXX  won't release the funds back to them, so essentially I could be out {$3500.00} dollars. 

I always file all bank emails in a folder, but when I double checked it for the year I didn't come across anything about this scam. I also didn't see any thing in any correspondence they've mailed to me this past year. 

They've been working on this claim with no real updates or any promising information to give me. I'm out {$3500.00} that I desperately need. It was all we had. I know I made a mistake. But we have received legitimate calls from bank of America 's fraud department in the past, so how would I have known this one was a scam?

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  account number XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-03-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I purchased a phone off XXXX marketplace and paid my seller via XXXX on my citi application. When the phone wasn't delivered and seller blocked me I contacted the bank while payment was still pending to stop it. The bank dragged me in calls and forms until payment was cleared. I tried contacting XXXX directly but because I used the service via my citi app the only entity to contact them was my bank who kept on repairing contact ur seller despite how many times I repeat that I am blocked nothing happened

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 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Since I started having Bank of America I noticed how my transactions disappear and the money I have available doesnt add up. For example on XXXX when I went to bed I had {$140.00} in my account, when I woke up there were no new transactions but my work check deposited and there was XXXX. I should of had XXXX in my account but the bank is charging me twice for transactions that are processing and already taking out of my available balance. Another example XXXX took {$16.00}, and {$100.00} twice out of my account unauthorized. There still is a processing XXXX on my account and the other one disappeared. The XXXX XXXX gave back to me but for some reason both of those transactions are missing from my account. How can they erase my transaction history

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 2016-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
As of XXXX XXXX XXXX XXXX " auto loan " which I had an excellent payment history on my auto loan, indicated to me that Equifax should start reporting my good standing account. 
As of today, XXXX 2016 Equifax does not show my XXXX XXXX account account status on my Equifax credit report.

Company response to consumer: Closed with explanation