BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Bread Financial Holdings, Inc.
State: CA
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:
On XX/XX/XXXX around XXXX-XXXX, I spoke with a XXXX XXXX  's ( XXXX XXXX, XXXX XXXX, CA ) sales representative who asked if I wanted to open an account. She did know specific what sort of account this was and proceeded to ask for my social security #. I gave it to her and then she asked for my income. I realized that she was then applying me to a credit card and asked if she was doing that. She said yes and so I stopped myself from giving her my income information and said to cancel this application. On XX/XX/XXXX. I was notified that there was a hard inquiry made to my credit from XXXX. This is affiliated with XXXX XXXX. I did not authorize my credit to be ran by this sales representative because I did not give my income and did not complete this credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened an account with Coinbase Inc in XXXX 2018. Since then i have been investing in Bitcoin. Now, 4 months later Coinbase Inc has put a freeze on my account stating that I must verify my identity. AGAIN. I did this at the time of account opening. I have tried at least 20 times, followed Coinbase instructions, contacted customer support ( only way is email ). 

Coinbase Inc 's actions of putting a freeze on my account is unjustified, illegal and is costing me a lot of money. This is not what they advertise. I must be able to buy and sell bitcoin as I choose, when I choose, as they coinbase boasts. The freeze on my account must be removed. Coinbase Inc 's Identity verification software/app does not work. The customer should not be punished. I am who I say I am and have provided the documents to prove it. For Coinbase to take my money, then freeze it, and state that it is my duty to fix it is preposterous. And customer support at Ccoinbase is unacceptable by any standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Lien Receivables LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Complaint is to unfair collection actions by the above named company. On XX/XX/XXXX, my husband received a call after XXXX XXXX from XXXX about a balance owed from our son. The collector gave private, personal information about our sons debt. My husband relayed on XX/XX/XXXX that our son did not live with us and to stop calling us. 

Today, XX/XX/XXXX, I received a call from XXXX with the same company in regards to my sons debt. He did not correctly identify himself. He told me about an accident my son was in, a debt he owed, and a balance owed. I explained my son did not live here and to please stop harassing us. He told me he was allowed to call me repeatedly. I discontinued the call. 

XXXX immediately called from the same number to my husbands work and proceeded to laugh into my husbands voicemail without identifying himself or the company. He just menacingly laughed into the phone and its the same phone number that XXXX called from. We find him leaving voicemail recordings of him laughing to be threatening, harassing and menacing. 

This company most certainly is harassing myself and my husband. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: PNC Bank N.A.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX//22 around XXXX, I attempted to deposit cash {$2600.00}, into my Fidelity account using an ATM at a PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The ATM accepted the cash, gave a screen display acknowledging the breakout of the dollar bills and asked for my acceptance of the transaction. I accepted. The machine then sent a message that the transaction was being cancelled and that I would receive the cash back. The return of cash was {$1600.00} and no receipt was provided. Early morning XX/XX//22 I called PNC customer service and was advised that my call required the aid of a XXXX and to call back on XX/XX//22. I called early morning XX/XX//22 and was advised by 2 different representatives that since the card was not a PNC card, that they would not be able to assist me and that I would need to file a dispute with Fidelity. I filed the dispute with Fidelity, work item XXXX. On XXXX/XXXX/22 I was advised that they would not be able to help me, as they showed no transaction on my debit card. I did also return to PNC on XX/XX//22 and spoke with a XXXX XXXX who contacted the ATM company who advised that I would need to file a complaint with Fidelity. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not open this account with Bank of America. How do I get it off my credit report? 

Account name BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX/XXXX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$75.00} Balance updated XXXX/XXXX/2022 Recent payment $ 0 Monthly payment {$35.00} Credit limit {$14000.00} Highest balance {$75.00} Terms NA I did not make any authorization for this type of credit.

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 2020-06-08
Company: LEXISNEXIS
State: IL
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:
Lexis Nexis failed to validate a public record

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As a a XXXX XXXX working for the XXXX XXXX as a XXXX XXXX, I applied for the student loan forgiveness. Loans were transferred from XXXX XXXX and XXXX to Fed loan servicing, payment decreased from {$420.00} approximately to {$300.00} per month. I was informed I was put in the wrong payment plan and only XXXX payments count towards the XXXX required payments, got an email in XXXX of XXXX that I had to switch payment plans for the payment to count. So used the calculation tool provided, decided standard repayment plan was best option, now payment is only for 27 months and payment will be over triple {$900.00} plus per month. I asked today XXXX, that The request be cancelled as it bust the family budget. I got the response that I was on a grandfathered plan and does n't exist, so stuck with the new payment even though it has not been activated yet. What a complete cluster!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with  Kia Motor Finance. I  recently moved to Florida. In Florida, I need the title company needs to receive the title in order to process my new registration. I have requested it twice, most recently on  XXXX   XXXX . I have had the title tag agency fax it to the number provided by  Kia. I  have confirmed that the fax went through to the proper number provided by  Kia. N either time I have submitted the form to provide my title information has it been sent to the title agency. According to Kia, the form has not been received  ( althoug h I have proof it has been received by tem.     I should not be held responsible for Kia losing my information as it is not my fault. I have been trying hard to get this accomplished and I am probably now in violation of Florida law for not registering my car in the proper amount of time. I do n't know what to do at this point. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I ATTEMPTE D THREE TIMES TO REFINANCE MY MORTGAGE THROUGH J.P. MORGAN CHASE. I   RESEARCHED THE HAMP ( I BELIEVE THAT 'S WHAT THE ABBREVIATION IS ... .THIS WAS IN  XXXX  ). THEY DENIED ME THREE TIMES. THE FIRST TWO ATTEMPTS I WAS TOLD, " YOU DID NOT TURN YOUR PAPERWORK IN T O US I N TIME. '' THE THIRD TIME I SENT ALL  XXXX  PAGES OF DOCUMENTATION IN TO THEM TWO TIMES. THEY CONTINUED TO SAY I DID NOT TURN MY PAPERWORK IN ON TIME. THEREFORE, I HAD TO QUICKLY SELL MY HOUSE. NOW I AM CURRENTLY HOMELESS.  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , TN  XXXX  OLD ADDRESS WAS :  XXXX   XXXX   XXXX   XXXX , TN  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

1

5 usc 1681 section 602 states i have a right to privacy. 15 usc1681 also states a consumer reporting agency can not furnish a account without my written instruction. 15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've been trying to get a mortgage loan. The company I used says they used XXXX to pull all 3 reports. I was tod that that Experian report was locked because I was XXXX military. It also showed my date of birth as XXXX, my date of birth is XX/XX/XXXX. It had many other mistake as wll. Every time I found a new issue it would start the clock over on their system to update. I made at 10 calls to correct issues. Finally on XX/XX/XXXX I was told everything was corrected. I checked today and still can not access my score, and information is incoreect. I don't want to call them again because they will start a new dispute and the clock stars over again. I've never been in the military. I called Experian and was told that these issues were corrected and it would take about 30 to 45 days to reflect my report. I don't know what else to do. Interest rates are going up. PLEASE HELP. 
The other 2 bureaus are showing updated 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 explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: PA
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 am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo sat in front of my uncle and I and promassed him every thing was taken care of pain his XXXX. Was not true all paper work was not taken care of. I lost everything. XXXX XXXX, XXXX XXXX to present XXXX XXXX. XXXX. XXXX XXXX is my name 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 2017-04-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX   XXXX , whom we do not and never have held a mortgage with, erroneously paid our  XXXX   XXXX  County property taxes and is seeking reimbursement. I confirmed  XXXX   XXXX  made the payments with the  XXXX   County Treasurer 's    Office.  On  XXXX / XXXX / XXXX , a  XXXX   XXXX  Claims Processing Representative explained our tax ID # is similar to one of  XXXX   XXXX  's customers ( differs by a digit ), thus,  XXXX   XXXX  paid our property taxes in error. Based on internet research,  XXXX   XXXX  has made many errors in regards to property tax payments.     Initially, our mortgag e (  a FHA loan ) was with  XXXX   XXXX   XXXX . The following were escrowed in the loan : our home owners insurance, mortgage protection insurance, and property taxes. Historically,  XXXX   XXXX   XXXX  made our property taxes to  XXXX  County without issue. However, when  XXXX   XXXX   XXXX  made our  XXXX  property taxes, the payments were returned as they had been paid by  XXXX   XXXX .   XXXX    XXXX   XXXX  failed to question the returned payments. Instead, they held the funds in our escrow account and issued partial refunds to us in the form of checks.     When we received the refunds checks, we contacted  XXXX   XXXX   XXXX  for an explanation. Customer Service simply stated that the refund reason was for an " escrow overage. '' They did not offer any further explanation and did not state our tax payments had been returned.  XXXX   XXXX   XXXX  sold our mortgage to Carrington Mortgage Services,  LLC  in  XXXX  of  XXXX . Our mortgage went to Carrington Mortgage Services, LLC 's books with an escrow balance. Carrington Mortgage Services, LLC issued us an escrow refund check, however, no explanation have been obtained from them.     On multiple occasions, we 've contacted  XXXX   XXXX   XXXX  and Carrington Mortgage Services, LLC to reconcile the escrow accounts and to resolve the issue. However, they have failed to respond or work with us on reaching a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX//2022 - was sent a supposed cashier 's check in the purchase of something I was selling on XXXX. Deposited for {$1700.00}. It is listed as cleared that same day. 
XX/XX//2022 - I sent {$1600.00} by XXXX, to a third party that was supposed to be movers. 
That same night, I realized I had been scammed, and called Bank of America to report fraud and submit a claim to have the {$1600.00} reversed. I also reported the fraud to FTC.gov and ic3.gov XX/XX//2022 - the {$1700.00} is returned as a chargeback as the cashier 's check was not legitimate. 
XX/XX//2022 - Bank of America Claim is not approved.

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 2022-08-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and associates has contacted me numerous times to collect a debt of {$740.00} for a hospital visit from XXXX/XXXX/2021. At this visit, I checked in and waited 45 minutes then left. I never had any services performed or anything. When I requested an itemized receipt they sent me name, account number, address, Social Security number for a different person. This not only violates that individuals privacy and compliance but did not provide me any proof of my visit. 

They did provide me something that said the {$740.00} was for emergency med visit but I didnt have anything done, I just sat in the waiting room so I dont believe its fair to charge me for services that were never performed. The address tied to my name is also incorrect, Ive never lived in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: MIDFIRST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with XXXX on XX/XX/22 and enrolled in a welcome offer of {$250.00} by making XXXX direct deposit of {$1000.00} within 90 days and maintaining $ XXXX balance for XXXX ( XXXX ) calendar days following the second eligible direct deposit, offer details is attached. I have met the requirements by making XXXX {$1000.00} direct deposit on XX/XX/22, XXXX {$1000.00} direct deposit on XX/XX/22, XXXX {$1000.00} direct deposit on XX/XX/22 and XXXX {$1000.00} direct deposit on XX/XX/22, and kept the balance required. I also received XXXX of the direct deposit confirmation emails sent from XXXX after such direct deposit was made, please see the attached screenshot. However, I have not received the bonus as terms stated. XXXX is a division of MidFirst Bank ( stated at the bottom in all of their emails ), so I am looking for CFPB 's help to look into this fraud and have Monifi / MidFirst Bank credit me the {$250.00} per the offer terms. Looking forward to hear back from you!

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 2019-07-30
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been the victim of 3 scams, regarding men from dating service, Our TIme, asking for money. # 1 XXXX went to XXXX for gold, over purchased and was unable to get out of the country Since XXXX, due to custom fees, tax fees, jail fees after striking a airport employee preventing him getting on the plane, and hospital fees after suffering a XXXX XXXX. He was working with a tour guide XXXX, and an attorney XXXX XXXX. Claims he has money in shares but all tied up since he is out of the country, Lives in XXXX, one of his residences. Loss of XXXX and now in debt at least this much from him. 
# 2 Contracted physician working XXXX XXXX requesting help with XXXX XXXX for vacation requests. have spent XXXX in various fees to get the vacation released. Bitcoin and one wire for transfer and still not granted due to I am unable to come up with the final {$2500.00}. required to meet the vacation request. Met XXXX XXXX XXXX stating that he lives in XXXX, however found that he is in XXXX XXXX for contracted job and needs to get out of XXXX XXXX, Was injured in XXXX himself, gunshot wound. Funds locked up at home in bank due to being out of the country. XXXX has been sent to XXXX for his release. XXXX XXXX paid and sent XXXX of the last XXXX after promising to send {$3000.00}. But still owe XXXX or they will cancel the vacation and we will have to start over. Money paid at bitcoin. Still not released. Loves me to the moon and beyond and can pay everything back once out for the vacation. All I need to do is come up with the remaining XXXX and get him out and he will reimburse me 100 % plus more for my trouble and stress. 
# 3 Our time friend 1-2 months XXXX XXXX. Went to XXXX as airplane repair job for 3 engines that needed to be replaced. Needed money as soon as he got there for custom fees, {$5000.00}. I said no and did not hear from him for 30 days. He needed my help. I was his only hope. His banker financial adviser would front the money to my account and pay credit cards as we used them to obtain money to send to XXXX in XXXX. Payments started being returned to creditors, and I have been left with XXXX debt which I can not pay off. Supposedly has unconditional love for me and ready to marry. Banker stole money from my XXXX XXXX XXXX Father 's bank account that showed in my profile after having obtained access to the account in error. 
Rules to dating. You are the queen, if they want to date you they pay and never give money to them. Never talk or date anyone outside a 50 mile radius, never allow access to bank accounts. But now I am the one who needs help. What can be done?

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 2018-05-15
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.

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