BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: Coinbase, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I used Coinbase.com on XX/XX/18 to change {$300.00} USD to Bitcoin for payment to an individual. Coinbase.com had me set up an ACH from my checking account to fund the initial deposit because their service could not use my Debit Card information to that account. Once done, the funds were available to exchange to the digital Bitcoin currency, but I could not use the currency to make the payment I intended to use it for. I contacted their service dept. and they said that the funds needed to clear my account the ACH was drawn upon. Ok, this I could understand. The funds cleared my bank on XX/XX/18. On the XXXX, my Bitcoin was still not available for use as payment, and I followed up with Coinbase.com service dept., they again told me the ACH needed to clear. When I told them that it had already cleared, I was emailed that there was a hold on my account that was abnormally long and that they would need to get back to me. That they could take another 4-5 days to get back to me if not longer. As I wait, the market fluctuations in Bitcoin dwindles the value of my holdings of which I have no control over ... I was charged fees to do the transaction, and now my funds are being held with no explanation other than it needs time to clear. While the amount of the transaction is small comparatively to maybe others ... how many " other '' people is this happening to? Especially when fees are involved. I was trying to use Bitcoin as a faster method of payment, now it has been a week, and I am still unable to use the now reduced funds ( due to market fluctuation ) to the intended recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not owed and is reporting incorrectly on my credit reports. Address given is incorrect as well and also sold invalid debt to collection agency without my consent to do so.

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 2022-01-19
Company: Intelliloan, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we contacted Intelliloan in XXXX XXXX and spoke to a XXXX XXXX XXXX XXXX phone XXXX in regards to refinancing and existing home loan.We had originally spoke with a local mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ca XXXX XXXX that we had a {$66000.00} debt we owed from a charged off HELOC.which was subsequently sold to XXXX XXXX XXXX.Her underwriter could not include this amount in the refinance unless it was paid first, as it was showing no payment history since the debt collection company, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX no history of payment since they bought the loan As we had already paid the {$500.00} appraisal, it was REFUNDED to us, as she could not do the loan and the appraisal was not done.At that moment we did not have the funds to do that so we tried Intelliloan, In speaking to XXXX XXXX.I explained the situation and at that time he assured me that he could do the refinance.After paying {$470.00} for the appraisal, XXXX XXXX notified us that his underwriters also could not include it, after promising he could.So at that time onXXXX we mutually cancelled since he broke his promise After contacting friends and family, were able to get enough funds to pay the {$66000.00} and went back to our original mortgage person XXXX at XXXX XXXX XXXX.She contacted Intelliloan to have the Appraisal transferred to her to use and they refused.I feel this was a bait and switch, as they wont return my phone calls as well.At this point I would for the appraisal to be transferred to XXXX to use for my current loan approval or a refund of the {$470.00} appraisal fee, as I feel XXXX should have researched our problem more thouroughly before saying he could do the loan.We feel that this is just bad business done by a large company that does not care.Our initial mortgage brokerXXXX XXXX XXXX, told us to wait until Intelliloan approved the loan before paying for the appraisal but we were told that it needed to be paid prior, which we did and then after paying it on XX/XX/XXXX XXXX XXXX told us that the loan wasnt going to work without the {$66000.00} being paid first.We feel that XXXX XXXX should have made sure we were fully qualified for the loan before he said he could do it and that since he did not we should either get the appraisal released or have our {$470.00} apraisal fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In late XXXX, a vendor ( XXXX XXXX XXXX ) returned a bill pay check to me without having deposited it ( I had accidentally paid them twice ; once with credit card so they returned the check ). I called Capital One on XX/XX/XXXX to ask how to get the funds re-deposited into my checking account. The call got dropped a few times and, in the interim, I sent XXXX messages to the bank ( see attached ) and was told to mail the check to the bank. I did that the same day. Ultimately, a phone representative told me the check would be cancelled and re-deposited. 

When the funds were not re-deposited in a few weeks, I called back a few times during the month of XXXX and was told I need to keep waiting for the re-deposit to be completed. I called several more times and each time I was promised a call back in a few days ; I never once got a call back. 

Finally today ( XX/XX/XXXX ) I was told that on XX/XX/XXXX the check was cleared by XXXX XXXX. I don't see how that's possible given ( 1 ) I was told on XX/XX/XXXX the check would be cancelled ( see attached ) and ( 2 ) I mailed the un-deposited check back to Capital One at the address provided on the same day ( see attached ). I also wasn't told about the check clearing on XX/XX/XXXX on all of the other calls between mid-XXXX  and today. The phone rep wouldn't even listen to my explanation above and basically said I was a liar. I have better things to do than defraud Capital One over {$140.00}. Indeed, I think I will use that time to look for a new bank that trusts and listens to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: NJ
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:
My Credit reports are showing that i have or had a mortgage account with XXXX XXXX with a balance of about {$700000.00} and it was liquidated or deed in lieu when no such debt existed with XXXX XXXX and in any event was discharged in XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how XXXX has handled reporting this breach and the steps they have taken to rectify the situation. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

When attempting to sign up for credit protection on the XXXX  2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago.
I then went to the Experian website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the Experian website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Have 4 accounts with incorrect payment status. XXXX has already corrected, and XXXX shows a processing status. Submitted disputes and followed up 4 times over the past week ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX ). The online dispute system shows a confirmation upon submission, but disappears the next day. Contacted Dispute Center over phone and they confirmed they do not see a dispute submitted. Nor can they accept supporting documents for stated dispute. And I can not add them after they accept the dispute over the phone, as once they associate submits the dispute, it is locked. Their dispute system is effectively broken for anyone with supporting documentation, which should actual help the dispute.

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 2022-01-19
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 just got my first free annual credit report and found that someone opened up like 5 credit cards under my name and there were a bunch of other things that i'm not aware of that appeared on the credit report.. I think they were the guy trying to get credit cards from other companies but getting denied by them ... idk what to do can you please help me asap..!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX, I was under the impression that I entered into a consumer credit transaction when I provided these persons my information. I go to check my report and see that I have been taken advantage of blindly. I reached out to this person to let them know that they violated my right under the fair credit reporting act 15 usc 1681 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
2017 I opened 3 Amex cards that were all paid off on time in full and Amex stopped reporting the trade lines to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Wells Fargo mortgage. I sold my property and escrow closed on XXXX XXXX, XXXX. I was using the Wells Fargo XXXX system to pay the monthly mortgage. Wells Fargo sent an XXXX to my account on XXXX XXXX, XXXX which was due on XXXX. 

Since the system is XXXX, I am expecting that the system works properly and that, when the escrow closed, the XXXX that was sent XXXX would have been marked as either paid or rescinded since the escrow closed XXXX. Instead, Wells Fargo withdrew {$2000.00} from my account on XXXX. 

When I spoke with Wells Fargo, they told me that it 's my responsibility to turn off XXXX  after the close of escrow and that, in fact, if I never turn off the XXXX, Wells Fargo will continue withdrawing {$2000.00} from my account every month. 

That is insane! When you sign up for XXXX, you are relying on the companies and computers to take care of all the details. That 's why you sign up for such a thing. And I certainly would never expect that a company would continue sending invalid bills after the close of escrow and stealing my money. I would n't be surprised if Wells Fargo does this on thousands of accounts across the country. 

I would be very grateful if CFPB would investigate this situation and have Wells Fargo fix their XXXX and mortgage systems. 

Thank you. 

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 2022-06-20
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Bank XXXX. XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-09-30
Company: EQUIFAX, INC.
State: MA
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: Received unwanted marketing or advertising

Complaint:
On XXXX XXXX, 2016 I called my long-time internet /cable tv service provider, XXXX , to change my service. At no point during the conversation did they advise me that they would be conducting a 'Hard Inquiry ' to my credit status. 
In addition to receiving a negative strike on my credit report due to the unauthorized inquiry, I never received the level of service that I requested on XXXX XXXX, although XXXX has been charging me for that service since then. I just found out when my roommate finally complained to me that I was n't giving her what she was promised in our arrangement. 
My main concern at this point is removing the unauthorized hard inquiry to my credit. 
Additionally, I was advised that XXXX sent me the wrong cable boxes for the level of service I requested, and I 've been paying rent on these boxes in spite of not receiving the requested channels

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, 2019 a call was initiated to LENDING CLUB due you to possible fraud activity. I spoke with several representatives XXXX XXXX, XXXX XXXX @ Ext : XXXX, Who were combative and failed to properly assist my concerns in reference to my account with LENDING CLUB. I was transferred then to another employee with LENDING CLUB by the name of XXXX XXXX who stated he is a supervisor in the payment solutions department. XXXX This complaint is to make notice of deceptive practices and unethical collecting this company has performed today. XXXX XXXX the supervisor admitted they documented wrong details pertaining to my account & admit to a breach of agreement took place on XX/XX/2019 and XXXX XXXX, 2019 ... Where multiple payments in the total of XXXX not even including over draft fees was withdrawn from my bank account without notice and without my consent by an employee by the name XXXX. The abuse of practice is a direct violation of the F.D.C.P.A Regulations Due to the errors made by LENDING CLUB it has adversely affected my credit report and impeding on my ability to obtain necessary credit. Time is of the essence so I expect your compliance of my request by the rules according to the FCRA Thank you for indicating your intention with resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/XXXX Over the last several years, XXXX, XXXX, Transunion has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX  Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX XXXX XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXXXXXX XXXX XXXX  Banks Inquiry for Individual XXXX XXXX, XXXX No 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX has violated my rights. 
XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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