BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-02
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX claims i have a contract with them. They claim i signed a 2-year contract & want to charge me {$390.00} for something i only had for three days. I found their service inferior. I explained to Discover Card that no one had explained to me that I was signing a contract and the only one with documentation was XXXX XXXX. This is not a valid contract because no one explained to me that I was signing a contract ( the installer had me sign something like an Ipad and never said that this was a binding contract ). Therefore and I explained this to Discover Card, I do not feel I signed a valid contract & can not understand why Discover can not understand this. XXXX XXXX sent them the contract which I never got and Discover agreed with them. With no meeting of the minds, there is no contract!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: FIRST HORIZON BANK
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I made a transfer through XXXX from my bank account at XXXX XXXX to a payee who has a bank account at First Horizon. On XX/XX/XXXX I received a confirmation from XXXX that the money was credited to the payee, however First Horizon never credited the money to the recipient. Transfer trace is XXXX. Both banks have not been able to resolve the issue and my money is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing this complaint to inform the CFPB and Experian that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Experian is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 
Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( Exhibit A ) Experian is in violation of 15 USC 1681b ( 2 ). I never given Experian who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Experian is a CRA that assumed its roll as congress said they are and elaborate mechanism. Experian has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent.

I hereby demand Experian to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Experian without authority or consent, to commit fraud and furnish a consumer report on my behalf.

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 2016-07-19
Company: E*TRADE BANK
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My ex husband and i took out a open end loan with Etade ( XXXX ) XX/XX/XXXX. the loan was for {$60000.00}. We divorced XX/XX/XXXX and had to put the house we took the loan out on has to be sold and is selling. We are waiting out the closing. I have called Etrade on this loan to find out information on the balance of this loan and they tell me they can not speak with me on this loan. I am on the loan and did sign all the paperwork. My ex husband XXXX XXXX XXXX submitted to the court this other document and is claiming this is the loan and it had been bought out by XXXX. I called and spoke with the supervisor and they too would not speak with me about the loan. I got the impression from him that is a entirely different loan. I need to know if the etrade loan was paid off is still open and what is this other lender. I the sale of the home I will have to pay half of this balance of this loan. After just shy of eleven ( 11 ) years the loan should not be {$60000.00}.

Company response to consumer: Closed
Consumer complaint received 2016-07-27
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There was a XXXX debt that was sent to Receivables Peformance Management LLC. They contacted us by phone, never sent any paperwork, and we have sent two requests via fax to their company requesting they send us the full accounting. The reference number for the debt is XXXX. We had disputed the charges with XXXX as we were managing a property that was sold, and they refused to cancel the line as it was a fire line, and the new owners never put it into their name. Once this company received the debt from XXXX, we have contacted them numerous times over the phone requesting the documentation, and fax them. We have the fax proofs if needed.

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 2017-02-24
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid receivables performance management for a XXXX debt owed. Original debtor was XXXX. The debt was paid years ago and I have statements proving so, however, they have reopened the debt and placed it for collections on my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Receivables Management Corporation of America
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX compliance officer at RMC responded to my complaint stating that they deleted the amount from my XXXX file XX/XX/2021 via the XXXX XXXX. It was deleted and removed but then reported on XXXX. See attachments of the response from XXXX XXXX stating it had been deleted and also attachments of when it was last reported. I would like this to be REMOVE AND DELETED from my credit report immediately. I would also like for RMC to get rid of the file obtaining my personal information because it clear that they are falsying documents. I have the proof. This has hurt my ability to obtain credit and has hurt my character. PLEASE REMOVE AND DELETE. I called RMC but no one has reached back out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been on the DNC list. 
I disconnected my services from XXXX XXXX. 
It took them a few month to get my final bill to me. 
When the bill of {$150.00} arrived I made a partial payment. 
The next bill arrived I did the same. 
I made another payment leaving my balance of {$100.00}. 
When my check of {$36.00} was enroute to XXXX the calls from XXXX started calling me eventhough I was making payments. 
They are relentless calling about 6 times a day. I told them I would report them to the FCC and they continued to call. Why XXXX submitted my account to them is beyond me when I was making monthly payments. This telephone number is not associated with any name, plus they started calling within the right time frame. It 's still disturbing especially since I am a senior citizen and have sleep issues as it is. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a TD bank checking account and received a one time {$150.00} bonus last XXXX. Now it 's the time to file income tax. TD bank did n't send me a XXXX form. I contacted TD bank to request XXXX and they refused to issue me the XXXX form. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Account status incorrect

Complaint:
I was affected by XXXX and was sick for months. When i was strong enough I notified my creditors and they worked with me except for the company XXXX - they have foreign customer service who is only interested in collections and they do not help nor answer questions they give you the run around its a hassle and they lie to you i have asked or Americans, i have asked for supervisors they are all incompetent and they are ruining my life I WANT TO MAKE ABSOLUTELY CLEAR I AM PERFECTLY CABABLE OF PAYING MY BILL NOW THAT I AM HOME, I LOST ALOT OF MY LIFE TO XXXX AND STILL CAN NOT WALK BUT AM XXXX FROM XXXX, SO IT IS NOT THAT I CAN NOT PAY IT IS THAT THEY HAVE TO REMOVE HTE NEGATIVE REMARKS THEY POSTED EVEN THOUGH THEY KNEW I WAS IN XXXX .... i am only XXXX no way should this company even exist if they are not following the rules. i provided them with the USA CREDIT CARE ACT under the XXXX XXXX  protection and this company has don't nothing but ignore it and has been notifying my credit bureau of negs when under cares act if i was on time before i was sick they were suppose to continue reporting positive knowing i was in hospital. I WAS ALWAYS ON TIME UNTIL I GOT XXXX I HAVE NEVER BEEN LATE... I have called fifteen times and they are XXXX that do not speak XXXX they lie and give me the run around I am back at work and capable of paying my bills as usual i need something in writing that i am paying and they are removing these negs due to my affliction from XXXX i can not pay and not have this rectified they will continue to report neg this issue must be resolved and they willl not change it unless i pay them first and i find it so fishy AGAIN I HAVE THE MONEY TO PAY AND HAVE NO PROBLEM PAYING BUT NOT TILL MY NEG IS REMOVED. I SUBMITTED PROOF I WAS HOSPITALIZED THEY EMIALED ME BACK CONFIRMING RECEIPT AND THAT THEY WOULD REMOVE THE NEGS BUT THEY HAVE NOT REMOVED THEM AND ITS HURTING MY ABILITY TO MOVE FINANCIALLY.

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 2015-06-29
Company: Servis One, Inc., Titusville, PA Branch
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I, have BSI loan service /mortgage., I have given my wife all permissions via fax. for her to handle all of my biz. with them, my wife and I never get a mortgage statement in the mail as to see what is being applyed to my loan, no statement to pay the mortgage. My wife has called last week & 6 weeks prior also, she must make copies of XXXX or XXXX rare statements that we have to beg them for, or just dig up their address & write a check. XXXX rep. said oh it is because I had a bankrupcy 15 years ago? Another rep. said oh yes every time you send a pmt. a statement will genarate, but this never happens. I am still waiting for any statement, my wife even begs these reps. for XXXX or XXXX statements with the same date so she can pay the bill. But the fact of the matter now I know the new rule as of XX/XX/2014 they must send a statement every month. I do think they are trying to make me have a late pmt. or a few, I feel this is a set up, to intensionally get me in fincial trouble. Also they failed to send my XXXX for my 2014 taxes, I got an apoligy letter XX/XX/2014 or so, after my wife and I calling, once again they lied & said they sent the XXXX for that year on XXXX dates, wow the post master must loose mail so much. what I demand is a timely statement every month, also this BSI said I had no homeowners ins. last year & once again, lie after lie they sent they want proof in the mail, post master lost a few of those letters too. I also want to recive that letter in a timely manner this year too. Yes I have XXXX & my agent faxed them their info. it is all in my file. Last year they put me in force placed ins. Desired resolution. TIMELY STATEMENT EVERY SINGLE MONTH OF THE YEAR, XXXX OUT BEFORE XX/XX/XXXX OF EVERY YEAR, TIMELY PROOF OF INSURANCE NOTICE AS SO WE CAN ALL COMPLY WITH THE LAW IN A CIVIL MANNER. ( BSI FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA.XXXX ) customer service XXXX this is the party my complaint is on.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 Discover Bank closed my savings account containing a balance of {$10000.00}. They provided no reason on why they closed my account. 
After contacting them several times regarding returning my {$10000.00} back to me they are telling me that it will take 60 to 90 days before they send a check back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Monday XX/XX/2021 my Coinbase account was hacked and all my cryptocurrency was stolen. The hacker got into my account, converted some small crypto to bitcoin and together with the bitcoin i already had in the same Coinbase account It was transferred to a hacker Coinbase pro account he created. I called and emailed Coinbase. They said they can't do anything about it and can't recover anything. They have the transaction IDs and can see how the money was transferred and where did if it go. This is done under their watch on their platform. This is ridicules, I did not do anything wrong. What kind of security and bad customer service they have? They don't do anything for their customers to protect funds. I have had about approximately $ XXXX {$180000.00} stolen. Also, there was a sim swap on my XXXX XXXX account again without my consent where the phone was in my possession. I called XXXX XXXX, and they said they can't do anything either. XXXX XXXX was very unprofessional and didn't want to admit they screwed up. I want to file a complaint about Coinbase inc. and a complaint on XXXX wireless for lack of responsiveness to help and recover or reimburse the funds. That's why they have insurance, don't they? Neither Coinbase inc. nor XXXX XXXX wanted to take responsibility nor helping me. XXXX XXXX should have not let someone other than me to do a sim swap!! Especially if the new XXXX XXXX XXXX XXXX I received a week ago, phone is in my possession. What kind of security and protection do they have? They are both to blame and should reimburse me for the losses. I lost $ XXXX {$180000.00} - it went to {$0.00} and all my savings are gone!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
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:
XXXX XXXX XXXX XXXX DUPLICATE ) ACCOUNT. 

THIS ACCOUNT SHOULD NOT BE A 120 DAYS LATE FOR XX/XX/2019. LOAN WAS IN FORBEARCE. 

THIS ITEM IS NOT VERIFIED. THIS ITEM IS UNVERIFABLE.. VIOLATION OF 609

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 2015-05-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX was supposed to pay off my XXXX wireless account. The documents sent by XXXX were uploaded to XXXX website and they were rejected. I did not know they were rejected right away. I had called XXXX and been working with them and XXXX wireless to get the corrected information to XXXX. IN the mean time this account went to default and the account is not paid. XXXX was supposed to pay off XXXX. I have emails to XXXX CEO 's with the documents if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: IL
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:
My identity was stolen and I have some inquiries and two collections on my account that arent me. Ive called XXXX and Equifax and sent letters. I called the companies multi time including spoke to each companies credit departments. XXXX hangs up on me and sends me to a special handling department. I have never lived at the address XXXX XXXX XXXX XXXX XXXX IL XXXX Ive have express to them the consumer laws for inquiries 15 usc 1681n & o. Also 15 usc 1666 & 1666b. They are not abiding by the law. 

Out of the 7 inquiries only the XXXX XXXX inquiries are what Ive applied for. Ive been working on fixing the things on my credit now for almost a year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing this complaint to inform the CFPB, XXXX and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) XXXX and XXXX is in violation of 15 USC 1681b ( 2 ). I never given XXXX and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that XXXX and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. XXXX and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand XXXX and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by XXXX and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.

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