BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recieved 2 envlopes in the mail on XX/XX/2021. XXXX was a new debit card for a Wells Fargo account that I did not open and the other one was a closure of deposit accounts notice. I called the number provided and was on hold for over an hour and told that the fraud department was closed and would give me a call back the next day XX/XX/2021. I did not recieve a call back and have been on hold with them for over 2 hours now waiting for someone to answer my call

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 2020-04-14
Company: Experian Information Solutions Inc.
State: AR
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:
Do not recognize charges on all of the following accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.

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 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bought house in XXXX XXXX, ( shore mortgage ) who sold mortgage to country wide then ultimately into bank of America 's hands. In XXXX, we were late 1 month, but in a position to make up past due plus current payment. Was sent a letter of intent of aforeclosure. We went through a negotiating meeting with banks attorney and was given revised payment. We subsequently paid on time 11straight months. We sent all documents per their request to stay in good standing.they could not account for 11 months of payments. Documents were resent after bank lost them again. They refused to approve XXXX short sale contracts.sold house in sheriff sale in XXXX, then resold in XXXX. Ca n't buy a house now because my credit shows an active mortgage. Never recieved an official letter of foreclosure, or a letter of deficiency. No foreclosure shown on credit score. we even recieved a small and insulting settlement check of {$300.00}. How do we eliminate this from my credit report? /thanks for your attention in this matter.

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 2021-12-22
Company: Real Time Group, 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: Account status incorrect

Complaint:
Real Time Resolutions ( RTR ) is currently reporting an active line of credit on a closed real estate loan. The direct reporting is with XXXX for a {$37000.00} balance with high credit line of {$39000.00}. This account was closed in 2018 as a result of a foreclosure. Real Time Resolutions was notified of the foreclosure action and failed to respond. The trade line is erroneously reporting which is a direct violation of the FCRA, 15 USC 1681. The FCRA states that accurate, timely and fair data be reported to the credit report. The report with XXXX should read a charged off debt and not active revolving debt with monthly payments due. Moreover, RTR never filed a claim on the proceeds remaining as a result of the foreclosure, so the gross amount charged off should be listed as " pending '' or " null ''. The true derivatives of the credit reporting have not been discovered, so consideration should also be made deletion. The California FCRA also addresses issues with their specific law, which means RTR is in direction violation of the that civil code as well. I have attached a copy of the credit report for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, XXXX, XXXX, and Experian all REMOVE any and all fraud alerts and statements from my credit file immediately.

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 2020-04-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, XXXX, Equifax, and XXXX  all REMOVE any and all fraud alerts and statements from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I have paid a {$50.00} annual fee for my US Bank XXXX XXXX Platinum Visa Card and the cardmember benefit statement stated as one of the benefits " bonus award night exclusively for card members ''. I have now learned that this benefit is being removed from XXXX XXXX, 2015 without any fee refund or grace period to use the benefit until the anniversary of the fee having been paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: MN
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:
These are the following hard inquiries that I am requesting to be removed immediately, or proof providing these belong to me. 
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( XX/XX/XXXX XXXX )- ( XX/XX/XXXX XXXX XXXX ) - ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX, XXXX ) - ( XX/XX/XXXX CXXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had XXXX XX/XX/2016. I believe I lost my wallet either on the day of at the hospital or later when I was unable to take care of myself. I did n't realize it was missing untill around XX/XX/XXXX or XX/XX/XXXX. I called the police and notified my bank. Bank of America had already frozen my accounts. I filed a claim with I 'd theft.gov got my credit report and followed appropriate steps to prove that my cards were stolen. I even wrote down the location of the arms so police could see whoever was responsible on camera. The bank of america risk management was beyond rude closed my accounts for no reason other than they told me it looked like the same person using the atm that had used it prior to date my card had been taken. That is a complete and otter lie on their part. My card and checks were used out of state even. Just having XXXX no way I could have done all these transactions. I prepared all this documentation mailed it to an address they provided me only for them to tell me they found it best to consider the charges mine and close my account. I am XXXX and have no way of paying all the charges of someone who stole my identity. Now I feel as if I have been victimized by the person who took my wallet and bank of america. No protection from them at all when that is exactly what theg claim. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2020, I sent an envelope via certified mail to Experian containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2.  The USPS.coms page https : XXXX  shows that my letter was delivered on XX/XX/2020 at XXXX. Even though it was received on the XXXX, Experian stamped the certified mail receipt as received on XX/XX/2020 ( please see attached ). Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Experian regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Experian provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Experian has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Experian received my Affidavit on XX/XX/2020. In addition, XXXX XXXX XXXX XXXX is listed as a creditor on my credit report. I have written correspondence from this court ( see attached ) that they do not report to credit agencies ( please see attached ). Since this court would be the legitimate and sole owner of any alleged bankruptcy court proceeding information and therefore, the only organization capable of legally and accurately verifying an alleged debt of this nature, my correspondence from this court is proof that Experian did not properly verify the information and/or they purposely fabricated their investigation results to continue to cause me personal and financial harm. I demand that Experian immediately delete any and all reports of these 2 dismissed bankruptcies from my credit reports.

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 2017-05-20
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Other

Complaint:
I paid {$43.00} to overnight a certified check to the credit card company to pay off the account in full. I was told it would post immediately However, synchrony financial is holding my account hostage by refusing to zero out my account for 3 days - without cause. Given that 's it a certified check, there is no reason to freeze the account. I have an emergency medical problem and need the account for medical bills. Thus, the reason for overnighting the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have had an old navy card for many years, but have never requested a different card or requested a VISA card with this company. I received a Old Navy Visa in the mail that I did not request, do not want, never wanted. I read the small enclosed " Important Changes to Your Account Terms '' booklet and noticed that if I did nothing it would be like accepting and was upset at this. I called on XX/XX/XXXX to let them know I did not want the card, had not requested the card, and felt like they were trying to fraudlently force this card on me. At this time I was told that my opt out was recorded and the card would be removed. Months later I made a purchase at XXXX XXXX using my regular store card and when I went to make a payment online I noticed the Visa was on my account. I called AGAIN on XX/XX/XXXX and was told that they weren't sure what happened, but they were logging it as I wanted to opt out. When I checked AGAIN XX/XX/XXXX to make sure this happend it was still there. I also received a letter saying they needed more information to be able to fulfill the request from XXXX. When I called for the third time on XX/XX/XXXX I was told that they were filling out the " correct request form '' and that I would be hearing from an account manager my mail within 30 days. At this point I dont believe that they have any intention of removing the card from my accounts and are just trying to string me along. I have also been told that this happened as a convienece to me or as a perk for me for being a good client. This card was not for my benefit, it was sent to earn their company more money. Perks for me would have enriched me, not them.

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 2015-06-27
Company: CITIBANK, N.A.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I cosigned a loan for my daughter who lives XXXX. Citibank was not sending statements or correspondence regarding this loan. When my daughter called to make a work out because she does not make enough money they denied her request. We made numerous attempts to work with them for a better payment plan with their suggestion. They would have us submit everything then say she was not eligible. We spoke to them in XXXX of 2015 and said we would pay as much as we could each month and hope to consolidate the loans, they said we were NOT in danger of default as money has been paid. Last month we received a letter from a lawyer saying the loan was charged off. I am the cosigner and was never notified or given a chance to bring it current for my daughter. I have contacted them via phone and letter ( see attached ) they have been rude and unwilling to discuss this with me, only stating that a letter was sent. They can not provide any information as to how the letter was sent and why I was n't notified. They only informed us that they do not negotiate with students that live XXXX. I am the cosigner living in the US and they would not assist me but are damaging my credit. I cosigned in good faith and the bank did not notify me of any issues with the loan. 
I have sent letters to Citibank which all went unanswered, when I phoned to inquire I was told there is nothing the bank is willing to do. I have a payment history and have been making payments which I thought were in addition to payments they were receiving which would have reduced the interest. Since Citibank has failed to notify me as the cosigner they did not give me the option to assume the loan as I committed to. I 'm very upset with the lack of response and support. More than XXXX has been paid on this loan, it is not as if this loan was ignored. I should have been notified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Today XX/XX/XXXX, I received an advertisement letter from a XXXX XXXX attorney 's office, stating a lawsuit was filed against me by Midland Credit Management on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX, Place 1 : XXXX. Later in the day, on XX/XX/XXXX, I XXXX Midland Credit Management to get an XXXX # to call to inquire. I called XXXX & spoke to a female Law Dept representative. I told her of this letter I'd received today, stating Midland filed a lawsuit against me, I asked what it was about, as I'd not received ANYTHING ELSE in regards to a lawsuit, I was incredibly confused because there is nothing from Midland Credit Management on any of my 3 credit reports, nor anything from XXXX XXXX on any of my 3 credit reports & I had no idea what was happening. She stated a lawsuit was filed against me for a supposed debt over {$2000.00}, Midland purchased from an old XXXXXXXX XXXX credit account I'd from XXXX, when I was single, from XXXX & before. But if I paid in full or agreed to pay $ XXXX for the entire " owed '' amount, I'd not get in trouble, I'd not have mine or my husband 's wages garnished, I'd not have a judgement against me, I'd not have any bank accounts garnished & I'd not have anything " taken '' that I owned. I informed her that 1st, the " over {$2000.00} '' amount Midland says I owe was MUCH more than what I'd owed to original creditor long ago & my only income now is XXXX XXXX  XXXX, I incurred the original debt when I was single ( before I was ever married ), when I lived in XXXX & my last payment to original creditor was made in XXXX. I now live in XXXX & a lawsuit has apparently been filed against me in XXXX, tho I lived in XXXX when I'd original credit account. XXXX statute of limitations on credit card debt is 4yrs & it's been more than 4yrs since a payment was made to original credit account. I've not been served any court documents yet. This Midland Credit Management representative refused to listen to anything I'd to say & continuously stated I must pay ASAP to not get into legal trouble. I stated I owned nothing, no property, I get food stamps, am talking to her on a free Government cell phone & this is an old debt from a different state from before I was married, I'd been served no court documents & nothing was on any of my credit accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2015-05-26
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up with the .001 % loan rehabilitation program with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Navient for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the XXXX representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. XXXX XXXX XXXX XXXX misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked XXXX about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
As guided by a friend who is also a victim of this scam, first, I transferred $ XXXX to my Coinbase wallet from my XXXX account and buy the XXXX cyber currency. Under the browser tab of the Coinbase wallet app, I was referred and logged in to XXXX XXXX XXXX and transferred all of the XXXX there to " make a profit '' under their AI system. After about a month, there was an accumulated cyber currency in my account, but it forbid me to transfer them out to my Coinbase wallet. After I complained to their online customer service, they froze my account which has a {$44000.00} currency balance

Company response to consumer: Closed with explanation