BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a Vanilla Visa credit card in the amount of {$500.00} as a gift from coworkers. The package did not appear to have been tampered with ( it was intact and the card secure in the package ). When I attempted to use the card in a retail store & at a a restaurant ( XXXX and XXXX ) I received error messages, unable to process. On closer inspection, I realized there are no numbers on the front of the card other than the expiration date, and no XXXX number on the back of the card. The card is unusable. It appears that the numbers may have been rubbed off, or never applied to the card, in either case the defect would have to have occurred prior to the package being sealed. 
I called the customer service number on the back of the card : XXXX, & was informed they can only assist me if the original purchase receipt can be submitted with my complaint. I provided the receipt and the customer service agent did verify that the card has a balance of {$500.00}. I inquired if they could issue a replacement card but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated byXXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my XXXX  pay account to Coinbase XXXX  the instructions of the scammers. 
All details described in the letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Navient Solutions, LLC.
State: PA
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 have been paying this loan minus certain forbearance and deferments for 11 years ( XXXX ). On multiple occasions I have asked them to remove my cosigner and make me a sole borrower to which they have refused. To unfortunate circumstances in XXXX I became very sick having to start the XXXX filings, by XXXX I had to file for bankruptcy. Even though both the bankruptcy and XXXX dissolved the loan Navient has refused to remove it from my credit report with the only exception being they transfer the loan to my cosigner, who has attempted to get removed for several years from the loan, even before any of these events. Both the cosigner and I never receive mail correspondence in regards to any activity of this account including the bankruptcy and XXXX and have contacted Navient many times. XXXX other student loans also agreed to my qualifying to XXXX including Navient, but Navient is the only one that is not truly closing the loan. My cosigner no I have yet to be informed that they are trying to again push the loan or the status of my XXXX application, I have found this information myself online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX I recieved a notice from my Bank following my concerns about not receiving information about Richard Sokoloff taking money from my bank account. 

The notice, which at this point I don't think is legal refers to a previous bill mentioned in my first few claims against XXXX XXXX. 
The bill is recycled. I paid as mentioned in my claims {$200.00} for 8 months that is {$1600.00}. In an agreement to pay plan, XXXX XXXX was directly withdrawing {$200.00} from may bank account beginning in XX/XX/XXXX, he skipped XXXX for whatever reason, but I believe it's part of his strategy to get more money, again and again. Additional dates money was withdrew were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, He skipped XXXX, then picked up in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
In XX/XX/XXXX I received a letter by mail from Richard Sokoloff office Attorney at Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The letter stated that my bank account was " restrained due to a bill from XXXX XXXXXXXX XXXX  XXXX in the amount of {$2.00}, XXXX. This was weeks after Richard Sokoloff had just taken a payment of XXXX on XXXX XXXX. At that point I had already paid {$1600.00}. 

In XX/XX/XXXX he sent a stipulation agreement and balance amount. XXXX XXXX requested that I sign two copies of the stipulation and that he would sign and return the 2nd one.I signed the stipulation although I was ailready paying before XXXX XXXX stopped obtaining payments and went straight for my bank account illegally. I never heard or received anything from XXXX XXXX since XX/XX/XXXX. 

Now XXXX XXXX show up again on XX/XX/XXXX to take {$5.00}, XXXX. XXXX from my bank account. Why does this office allow the consumers to continuously be violated. 

This is another claim to show how XXXX XXXX is manipulating me out of money in a criminalizing way. It shows how he uses this strategy to confuse me and many others. He is abusing his power and threatening my family wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone have taken my identity with Fifth Third bank. The account number ending in XXXX. I have filed a police report and there have been multiple charges to my account with my permission and knowledge. Someone have got a hold of my account and stole funds and Fifth third is saying their going to close my accounts and end the banking relationship for something I didn't do or have any knowledge of. I have been a victim of identity theft. I want this to be investigated properly and for them to explain why I am being held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-12-05
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have now received 2 phone calls at my place of business from Midland Credit/Midland Funding. I wrote to them previously and asked them to not contact me and they have now violated this two more times. Today ( XX/XX/2019 at XXXX ) I received a phone call that asked if a person with only my first name ( they actually used my nickname and not my legal name ) here, when I said yes they hung up. They have done this before so I know it was them or someone on their behalf. This company needs to be stopped. They are harassing me and have been for a couple of years. Last phone call they threatened me with legal repercussions. I do not even owe them money as they bought a debt I had to another company. I never once signed a contract with Midland and therefore do not legally owe them any money. I spoke with the original creditor and they are NOT collecting on this account and charged it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian combined another person 's information on my cerdit report depsite obvious differences in the SS #, DOB, address, spouse, and employer. This other person has a bankruptcy, another mortgage and XXXX accounts that have been affected my credit score to detriment. Experian has agreed to remove the person 's infomration but will not offer me anything regarding free credit monitoring or compensation for the damage to my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I opened a Macy 's credit card account XX/XX/XXXX ( to receive the 25 % off ). I purchased less than {$20.00} worth of merchandise. By XX/XX/XXXX I realized I never received the Credit Card or a bill. I looked up the XXXX number on line and called. I spent an hour on the phone and was advised my bill was {$52.00}, of which {$38.00} were late charges. When I explained that I never received a card or the bill, the person confirmed that it was sent to the wrong address, cancelled out the card and advised me that she removed the late charges. I paid the actual charges that day on the phone -- meaning once the late charges were removed, my balance was XXXX. I then received a bill then next month stating they transferred my balance ( to a new card since they issued a new one since I did n't receive the 1st ). And I had another late charge. Now bringing my balance which should have been XXXX up to {$52.00}. I again spent 90 minutes on the phone in XXXX and was advised that all cahrges would be removed. Then to my dismay tonight ( XXXX/XXXX/15 ) I received a call stating my account was past due and I now owe XXXX ( of which I owe notheing because I have already paid the original charge of {$17.00} ). The operator each time spoke very broken English. This evening when I asked the operator if my other XXXX phone calls were noted, she said they were not. She would not allow me to speak to a manager. This whole experience seems fraudulent. I would n't be surprised if this company is doing this to others and I would like this looked in to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2021-08-02
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had purchased a puppy from a breeder using XXXX when I was a part of PNC Bank. Within minutes I realized it was fraud and immediately contacted my bank. They said they would cancel the payment, yet the next day {$750.00} was withdrawn from my account. My bank said and I quote : you can file a dispute but well never accept it. You can keep filing but well keep denying you. I filed a police report and disputed this two separate times. Within a week I had four more unauthorized payments on my account, even after changing my car number, and my bank refused to help me with these as well. I eventually left PNC completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: PNC Bank N.A.
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
They say I had a loan and it was deposited into a PNC bank account. I never had a PNC account. Told them this several times but get calls XXXX per day. I am now dealing with bank to verify my non account status. getting calls from XXXXXXXXAll about the same so called loan. I also did not apply for an on-line loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a letter, certified mail return receipt, to XXXX XXXX ( MCM ) letting them know that three debts reporting on my credit report, in the amount of {$560.00}, {$660.00} and {$850.00}, by their company was a result of ID theft and fraud ; therefore, I asked them to verify the debts. The company did not verify each debt as stated in my validation letter. 

XXXX XXXX/MCM is not giving me due process at law. For some reason they failed to provide proof that I had signed any contract for the alleged debts ; however, they sent me a copy of a bill, a portion of a contract that I have never seen and a statement claiming they did not understand what I was asking them to verify. On XX/XX/XXXX I sent a second letter, certified mail return receipt, letting the company know they had not properly validated the debt as belonging to me, so please remove it from my credit file. Most importantly, I attached a FTC ID theft report. 

XXXX XXXX ( MCM ) continues to get favor from the credit reporting agencies, causing them to initiate reinvestigation, but I do not have proof of the validation I have requested. The back and forth process between myself and the credit reporting agencies actually began late XXXX, and MCM continues to report the fraud accounts to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX XXXX Account # XXXX ) has violated my rights, XXXX XXXX XXXX  reported 5 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX  starting XX/XX/XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have va and ssa insurance that should have taken care of all my medical blls never was contacted to fix problem

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX 2016 I was contacted by Capital One 's fraud department in regards to my credit account. According to their representatives someone called them, verified all of my personal information, and attempted to change the billing address and email address listed on my account. This follows a separate fraud attempt about 3wks prior where someone had called attempting to add themselves as an authorized user to my account. The card they issued fraudulently was frozen, and I 've since closed this account and placed an alert in my credit file. I 'm troubled that Capital One would not provide me, as a victim, with documents and information related to this fraudulent transaction using my personal information as required under the FCRA. I asked the name ( s ) of the person who requested to be added to my account along with the email address ( es ) and billing address ( es ) they attempted to use but was told by the representative that I could simply file a police report using the case number they gave me. I find this unacceptable as without specific information the police department in my area is very unlikely to be able to follow up, giving this individual the opportunity to defraud me further or defraud other individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX, 2013 bought TV at Best Buy - salesman offered Best Buy card. Told him did n't want credit card - he said only {$25.00} a month. Also bought a few small priced items, all of which no longer work. Recently BB charged me XXXX of dollars of interest on bill which was previously at {$2000.00}. Payment changed to {$75.00}, and now, they added hundreds of $ $ more in this month, payment charged to {$90.00}. Contacted by email first, said it was my understanding only {$25.00} and I was clear could n't afford more. They said pay them {$440.00} right away and they might " adjust ''. Went on live chat, said I do n't have it, and I can only afford $ XXXX/month. Best Buy rep then startled me by saying reason : I had n't paid Any payments on time. This is false. I pay ALL my bills, on time, and always have which my credit history shows. I asked him to email me the credit reports, reporting me late ( and how could I make other purchases ). Asked him 3 times, refused to answer, then said I should contact dept deals with XXXX and I would have to prove it?! I repeated request for his evidence and again gave email - Best Buy wo n't answer up. I am desperate for help because they are going to continue to add XXXX of dollars of interest each month and keep escalating month payment demands. I think they 're charging something close to 30 %. The TV I bought is now sold for about {$200.00}. The other small items might amount to {$300.00} in total. They have now escalated bill to {$3000.00} and continue to make it impossible. They are going to ruin my credit as there is no way I can pay these amounts which I question as legal. They have NOT reported to the credit bureaus in the last 2 years - not surprising since I never miss a payment or pay late. I am a senior citizen, recovering from surgery, and my wife is also a senior citizen, XXXX. I am totally willing to pay what I promised, and what was promised to me by Best Buy salesman - $ XXXX/month and with a balance capped at the original {$2000.00}. I feel like Best Buy is fraudulently duping senior citizens and not sure if this is even legal. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i am receiving non stop calls from this agency starting from early XXXX to late XXXX, during which time if i attempt to say hello no one says anything they stay silent until i hang up and they just repeat the action by calling again constantly, i have tried to reach out to the company directly to express the issue but the calls continue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief