BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: Foris DAX, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been using crypto.com for about a year now. I have a debit card through them and have used and spent thousands of dollars through them. 
When I go on the app my wallet balance is there but all of my coins are gone. There is nothing past when I bought coins in my transaction history. I can not sell or buy anything. I can't even access my own money. I basically can't do anything besides see charts on the app now. 
I have been contacting customer support on the app for weeks now. I never get a response once I tell my issue. I haven't gotten one response from 3 closed conversations. And it did not address the issue at hand. Just basically said thank you for contacting us. 
This issue is causing me allot of emotional distress. I can not access anything and seems if they have robbed or scammed me for my money. I believed whole heartedly they were the most legitimate crypto app out there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
RE : CASE # XXXX Bank of America There was identity theft and identity compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
BANK OF AMERICA did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of " XXXX '', " XXXX '', " XXXX '', XXXX ''. 
Payments were made and reversed by above mentioned company " XXXX '' USING MY IDENTITY TO XXXX TELEPHONE AUTOMATED SYSTEM. 
I ASKED Bank of America THAT THE CHARGES BE TAKEN OUT OF MY BILLING WITHIN 30 DAYS AS OF XXXX. 
PLEASE HAVE THE INSTITUTION LET ME KNOW WHEN THE CHARGES ARE REMOVED.

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 2021-03-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX I filed XXXX XXXX bankruptcy in XX/XX/XXXX case # XXXX included in that case was auto loans with XXXX XXXX XXXX XXXX they merged with XXXX XXXX XXXXXXXX XXXX while the loans were in bankruptcy the plan was confirmed on XX/XX/XXXX an completed onXX/XX/XXXXan discharged but pen fed an experian are showing them as charged off with balances when the plan was completed pen fed sent me out certificates of lien satisfaction dated XX/XX/XXXX an also sent me titles to vehicles loan XXXX XXXX i have contacted pen fed several times about the inaccurate information.I received a letter for the them dated XX/XX/XXXX stated information reporting is correct an that I took out the loans in XX/XX/XXXX while i was under the bankurptcy i resubmitted another dispute explaining it was not correct an that have documentation showing that the loans were included in the bankruptcy an discharged an that i have a copy of bankruptcy showing XXXX credit union/pen fed as creditors i haven't heard a response as of yet i have also disputed with experian an they have refused to get the account validated an stated that it is showing correctly .this misreporting of information is causing me an my family tremendous financial hardship i've been turned down for several loans my daughter is starting college an i can/t get approve for student loans because this erroneous information on my credit report this my last step before legal action

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 2022-04-11
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a fraudulent call about an account I never had. They said if they didn't reach me at home they'd need management or security present and to sign as a witness so I could be served documents pertaining to this debt of more than XXXX $ to U.S. bank which doesn't even exist where I am located. Said they'd been trying to reach me for days and if they didn't reach me tomorrow XX/XX/2022 between XXXX XXXX they'd send the papers back as denied to be signed. They only had the last 4 of my social and the last 4 digits of a non-existent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed bankruptcy in XXXX  - Chapter XXXX  - bankruptcy discharged in XXXX XXXX Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Paragon Credit Services
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I have been harassed, threatened, intimidated, disrespected, and have endured fraud by Paragon Credit Repair Services. 2 years ago I paid to have my credit repaired and they stopped working on my account after a few months, and told me that they could n't do anything else. My credit never improved, in fact it got worse. The company has a money back guarantee if you are not satisfied. They charged me thousands of dollars for credit repair that never occurred. I refuse to pay any more money to this corrupt business that lies to consumers. The owner of this company is a fraud and abuses his authority to blackmail customers into believing his threats. This organization needs to do an investigation into this company that is fraudulently duping people into believing that they can fix one 's credit ; which they ca n't and they do n't. I am asking from relief from this corrupt organization. Per FCRA and per the company 's money back guarantee I 'm asking that the thousands of dollars I 've already paid in fees be returned to me immediately. 

PARAGON 'S CREDIT REPAIR GUARANTEE Our team of certified credit coaches, dedicated processors and legal experts have an average of 15 years of experience in the field of credit repair. We have worked diligently to provide our clients with exclusive industry first software, the best dedicated processing and legal team in the industry, and access to the best positive trade lines available anywhere. 


" We are so confident in our ability to execute on your behalf that we ask you to pay only AFTER we have completed each phase of work. Our exclusive pay per deletion model means your never get stuck paying a monthly fee without seeing the results first. If we do n't fix it, you do n't pay for it! '' ( XXXX # )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My XXXX payment was processed on XX/XX/2020. The company 's response is that they received a payment on XX/XX/XXXX and then a phone call asking for the payment to be reversed. If that is the case then there is an unauthorized user on my account. I did not call and ask that a payment be returned to me, I have no record of a payment on XX/XX/XXXX. I am concerned that there is a problem with account security or the company is mixing up my account with another. I first submitted a complaint because I was receiving communication about a missed payment when their automated system had record of the payment and I confirmed the funds were collected from the bank on XX/XX/XXXX. The company 's response is not matching the bank drafts. I have never had a late payment. I would like a detailed account history and the company to research this payment that they state was made XX/XX/XXXX as well as where they sent the payment they state they reversed. I have not received any such reimbursement nor have I requested it. If there was a disbursement made on my account I am requesting that they provide information on who the disbursement was made to, where it was sent, and how they could release such payment without my authorization.

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 2015-11-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out student loans in 2006 to cover the cost of my attending XXXX college. I needed the loans because XXXX college reused to refund my tuition for a semester that after I had already left the college. I have been paying on my loans for years and the balance has only gone up. During that time I have gotten married and had XXXX children so my financial situation has changed significantly. 

I am currently in good standing with my lender but had to put my loans in forbearance sue to being laid off ( see attached ). While in forbearance I applied for extended my request was denied ( see attached ) on every single XXXX of my loans saying that my maximum terms were already met. Literally they are saying that there is no other option to pay my loan other than to pay them an unaffordable payment or go into default. 

I took these loans out before the financial crisis and they were paid to an institution that ultimately kept money from then XXXX XXXX for a semester that I did n't attend. These loans are following the same unsustainable path of the mortgage crisis and to make it worse the loans are not secured by any type of physical asset. 

Every month I am forced to chose between providing a decent life for my family and making payment to a student loan company that I simply can not afford. I have stayed current on my loans for years, and find it unacceptable that a company with such a horrible reputation be able to do this to my family and myself. 

I want Navient to work out a payment that I can afford even if I have to pay more in terest over the long term I must protect my family today. 

SincerelyXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: CA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account reporting on my credit report with Wells Fargo/XXXX for {$1200.00}. I never had an account with them. I have sent several letter through certified mail asking them to verify this debt belongs to me and never received a response from this debt collector. Also, I've made it clear that this debt does not belong to and but they insist that I pay the settlement that was offer to me for {$510.00}. I paid the debt and they still refuse to remove it from my credit 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$62.00} ; XXXX SELF-REPORTED XXXX Balance : {$14.00} ; XXXX SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$5.00} ; XXXX SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX SELF-REPORTED XXXX Balance : {$130.00} ; XXXX SELF-REPORTED XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} ; XXXX  XXXX Balance : {$95.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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:
Fraudulent inquiries on my report, wrong names, addresses, and 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 2018-06-08
Company: POPULAR BANK
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I recently opened the online savings account with XXXX XXXX. They were not allowing me to move my money out of the savings account, holding my fund hostage. I then spoke to the representative, who said that it is the customary protocol and the 60 days hold will be lifted when I submit the bank statement verifying the source of the fund is mine. After sending over the paperwork for more than 4 days, I did not get an automatic call back. I then called the company again and the representative mentioned that the company 's fraud department determined that there is red flags exist in my account, and yet no mentioning of what the red flag is, and I have no phone number to appeal and no supervisor is willing to explain to me the problem. Placing a 60 days restrictive hold is unreasonable and unheard of and basically for me to lend the company free money for the 60 days. I would like to agency to investigate this practice as I am in dire need of using the money and I only came across this hold after my money is transferred to the bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Name XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691. XXXX  and Transuion have prolonged remove Fraudulent information in retaliation of multiple Disputes i put in for violating my consumer rights. Both XXXX  and Transuion refuses to comply by phone and have hung up on me multiple times. A Transuion representative told me she had my file mixed with someone else and still havent removed these 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 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent Transunion several disputes to get inaccurate items off my credit in which they fail to correct errors and never return my green return receipt showing they received my letter certified mail Transunion shares my information with out my written consent they also never received my written consent to report anything about me which is illegal and identity theft every dispute I send in if they acknowledge it is always verified which is not accurate cause laws states that the consumer is the only person who can verify a debt so how is XXXX XXXX or these alleged creditor able to verify alleged debts for Me when 15 u.s.c 1681 clearly say that the reporting agency are supposed to to confirm everything with me the consumer before reporting it but this company breaks the law cause of the money they receive from these alleged creditor who pays them to keep control of the consumer 1681a ( 2 ) ( b ) state that no comsumer credit transaction made with my credit which is my social security card should be a private transaction but yet in still Transunion reports this information then tell me lies or give me false information on why they can't delete meaning they fell they are above the law cause they want to keep receiving money for illegal activities which has cause me personal financial injuries

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 2016-12-13
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
A XXXX woman called from a company named Profit Services Group in XXXX, Ga. and stated " We will quit XXXX calling when you pay your " XXXX '' eye doctor bill. " I replied I do n't owe any eye doctor bill because I have n't seen an eye doctor in years. She replied again, : '' Pay your " XXXX '' bill and we 'll quit XXXX calling you. '' They continue to call at least every other day from a robo call { XXXX & XXXX } '' that has a recorded message asking me to call back on their main number XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Navient Solutions, LLC.
State: IL
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 attended XXXX Illinois University in XXXX, IL from XXXX. It was difficult for me to find a full time position after graduating and my loans went into forbearance. In those XXXX years of looking for a job I gained {$30000.00} in interest on my XXXX loans. Sallie Mae/Navient is currently charging me an entire paycheck as a monthly payment and have screwed up time and time again on taking out my monthly payments after signing up for automatic debt. I am currently attending school again, and have notified XXXX XXXX to expire my deferment because I want to continue to make payments. They have not done so and have screwed up my payments while accumulating more interest on my loans. I have called XXXX times to complain/understand what is happening and they continue to give me the same excuse, that my payment for the month is past the deadline in which they can take it out, so wait till next month. I would n't have to wait if they would have done their job in the XXXX place. I even have documentation that shows that they expired my deferment. All I get is a " I understand '' " We are sorry you feel that way ''. Something needs to change, I am sure I am not the only XXXX they are doing this to. It is sad that I am regretting getting my XXXX, if I never did I would n't have to deal with such a XXXX company.

Company response to consumer: Closed with explanation