BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi I had wire transfer my money from my bank account to Coinbase to purchase ETH, and then I sent crypto to the name call XXXX investment app platform to earn money there, I have six transactions from Coinbase to this platform, total I was sent around {$260000.00} US dollars, and the the account of XXXX has money $ XXXXnow, when I try withdraw my money, they want my to pay the $ XXXXus dollars tax and upgrade my account to vip also need pay XXXX.. and after my family in my country pay those money, I still cant withdraw my money, I know it was a scammer fake investment platform, I never can take my money out.. and I also contact Coinbase to help my get my money back from the scammer wallet address XXXX But Coinbase rejected to help, looks like is not their responsibility to get customer money back, even though they konw its a scammer address, they dont do anything, they keep let other victims denting the money to the same wallet address after I did complain to the Coinbase,, thats one of biggest loopholes from Coinbase. It can easily transfer money to fake and illegal investment platform without permission. Coinbase need to take extra security measures to keep safety of my account..I want to get my money back, I have no idea what can I do now, I have no money to pay my loan and credit card, my bank rejected to do the fraud investigation for me, they says Coinbase is big company, and also Coinbase do nothing after I report fraud scammer, I need some help. 
And I also call logon police, and report to FBI, IC3 The scammer platform website XXXX IP address is XXXX Ps. The wallet still can receive money from Coinbase now.. 
My email is : XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; was disputed with another collection company by the name Capio Partners for {$360.00} ) on XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the GM that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My problem is with Experian. They continue to show me in collections for a XXXX $ medical bill that was paid in full by insurance. The other credit bureaus have removed this mistake made by XXXX XXXX in XXXX XXXX. XXXX ) They also show a late payment for a vehicle that was paid in full. Payment was made to XXXX XXXX for over XXXX on a lease purchase. This was not an issue with other credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, Equifax and XXXX that causing my credit scores not to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have XXXX in loans and the repayment plans maximize your interest. I am on a payment plan and I am getting no where with them. Each time I set up a payment plan, it maximizes the interest and nothing gets paid on the principal balance. While this is happening, I am still occurring Intrest even though I am paying on it every month. It 's hard to pay something off when you keep occurring charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I funded a loan with Prestige Financial during my Chapter XXXX bankruptcy. My first payment was due before my bankruptcy was finalized and I told them they needed to change the initial due date. I am currently 26 days late due to major loss of income and they call me at least once a day, and email me as well. I have requested they not contact me, other than XXXX Mail, and prior to 30 days late. I have been threatened to " not risk this '' XXXX late payment status ], to " govern myself accordingly, '' and that I " must not need this car. '' I was told they would attempt payment on XXXX and I stated I would call in the afternoon to process. I emailed on XXXX to tell them I would need to make the payment on XXXX, which would be 28 days late. I received another threatening email as a result. I was also told that the payment was attempted at XXXX, which was against our recorded agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I received a call, and my oldest daughter got a call on her work phone as well, stating that I owe a balance to this company and that they were going to report negatively on my credit report. I was told that if If I were to pay the amount in full, the Debt collector will remove the derogatory remark off my credit report. I asked what this debt was for and they said that they could n't give me any information on that. I asked if there was any way of contacting the original debtor and they said they could not help me. The only response i was getting is if I were to pay the amount in full I would ultimately get it removed from my credit and or I would set up payments to fulfill the amount. I am not sure who this debt is from, the collections agency sounds like it is a cellphone, they keep calling my cell and my daughters work phone number AND I do not know what this collection is for ...

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 2021-09-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An American Express account was opened in my name without my permission or consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: Blitt and Gaines, P.C.
State: IA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I had a judgement against me in XX/XX/XXXX from a auto loan. They repo 'd the car and still want paid the entire price of the loan and int. They also did not bother to show to court for the judgement, but the judge apparently stood in for them. As of Wednesday XX/XX/XXXX my checking and savings accts were froze. The funds of {$3100.00} that were in my savings, were part of a federal student loan refund that I have proof of day of deposit and a financial aid statement. The bank refuses to lift the freeze. Please point me in the right direction please. I am attending school and working part time and losing those funds would and are causing financial distress. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian stated via phone conversation they would not dispute nor would they explain/provide any info to assist in the matter of XXXX accounts. The account for " XXXX '' is unfamiliar to me and I know nothing of them or a debt owed and want proof of debt and dates, etc or I demand it be removed immediately. XXXX and XXXX have both removed it but Experian refuses to investigate. The XXXX account for " XXXX '' is reflecting incorrect information. The " DATE OPENED '', " BALANCE '', " PAYMENT STATUS '' etc. No balance is owed to them, there is no late payment and its much older than the re-aged lie that it reflects on Experian. Please hold EXPERIAN accountable to correct these issue immediately. Perhaps both accounts should be removed. Experian is my issue here! I would like to see the justice here in reporting true and accurate info as well as due diligence in an honest attempt to collect facts and protect the consumer rather than damaging my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Again, ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. That is a violation pursuant to 15 U.S.C. 1692b ( 2 ) and 15 U.S.C. 1692f ( 1 ). ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language by accusing me of owing this alleged debt. I will not pay it. Their allegation is ruining my consumer report because its inaccurate. The debt is not mine. I do not have a contract or anything with ALDOUS & ASSOCIATES, P.L.L.C. nor do I wish to do any business with them.. I am enforcing my rights, as a consumer, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability. Pay the invoice and remove this from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased a XXXX XXXX Laptop PC online from XXXX. I received it XX/XX/XXXX. It was sent the wrong Laptop, a XXXX XXXX Laptop PC. I tried to contact XXXX online to see if I could exchange Laptop and it shouldn't be a problem. To make a long story short, I had to call XXXX I thought. At # XXXX XXXX. I spoke to XXXX XXXX. He told me he had to excess my accounts to verify if it was me ( XXXX XXXX ). On XX/XX/XXXX he told me to use a XXXX account to withdraw {$460.00} and told me that was for the new Laptop. XXXX was supposed to return {$570.00} I paided for the Laptop. XXXX said he was giving me a discount {$460.00} instead of {$570.00} for an exchange. Which I never received. Then XX/XX/XXXX, another XXXX withdrawal {$990.00}. It was again supposed to be for verifying it was me. Then again XX/XX/XXXX a XXXX withdrawal for {$1000.00}. I was scammed big time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In or about XX/XX/2020 my account with Bank Of America Was closed due to a suspected activity in my husband account. Since we had a joint account all his accounts and mine were closed. Since then my husband reported that his account was compromised that the transaction that was pending in his account wasn't his. After the report I was told that the bank will closed the account and that all the money will be sent in a format of a check. The total amount was for {$16000.00} and I was told in numerous occasions that this money will be send to me and I always get the run around. We are getting close to 2 years since this incident and the bank always say the same thing that is currently during investigation. My husband provided all the pay stubs from the XXXX XXXX for them to validate the funding source. I need some assistance with this because this is quite frustrating.

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 monetary relief
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. Equifax, XXXX, and XXXX refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contact XXXX XXXX XX/XX/2020 I told them that this inquiry was not authorize.

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 2015-07-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-14
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX XXXX. School of XXXX and graduated in XXXX. The legal industry has not recovered from the recession. I am employed full-time XXXX in New York XXXX. I make {$65000.00} pre-tax, annually. I make {$3400.00} a month, post-tax. 

I borrowed from the New Jersey Higher Education Student Assistance Authority. When I researched and signed this loan ( really, XXXX separate loans ), I was under the impression the company was affiliated with the State of New Jersey, and as such, would have a loose enough affiliation with the Federal government such that it would be subject to Federal repayment guidelines. Total amount borrowed : {$180000.00}. 

The total monthly repayment amount of my NJ HESAA loans is {$1500.00}. On top of that loan, I also borrowed roughly {$80000.00} in Federal loans. My Federal loans have been in deferment/forbearance ( for XXXX and most of XXXX ) and until recently, IBR ( for most of XXXX, XXXX and barely XXXX ). I have been advised that my IBR Federal loans have expired, and was asked to re-apply. I did, and was recently informed by Nelnet ( the Federal loan processing company ) that I did not qualify for IBR. As such, Nelnet expects me to pay {$800.00} at the end of the month. 

HESAA, after repeated and courteous requests from me, refuses to offer ANY repayment cooperation. From IBR, deferment, reducing interest rates, NOTHING. 

I am youngish ( XXXX ) and fear that I will never be able to crawl out from under this rock of debt. 

I am writing to put CFPB on notice that NJ HESAA is a predatory lender and should be treated as such. Thank you for reading and for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions 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:
The following account does not belong to me. I have reached out to XXXX, XXXX, and Experian several time via mail in reference to this matter. 

XXXX  XXXX XXXX  acct # XXXX amount- {$420.00} XXXX  XXXX Acct # XXXX amount- {$770.00} XXXX XXXX  XXXX Acct # XXXX amount- {$250.00}

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
A Verification of proof request was sent to bureaus on XX/XX/XXXX regarding a collection that didn't belong to me from XXXX XXXX and the bureaus didn't respond within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: KEYCORP
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Key Bank. I do not have overdraft protection.it was my belief if a check were to try to go through, and funds were not available, the check would be returned. I had a check to a payday loan ( should have been returned and they said I could do a payment arrangement when it was ). The bank paid the check, over drafting my account XXXX. This caused me to get XXXX I 'm return check fees, and additional fees because the acct was overdraft. I called and was told, " we can pay anything we want, we wo n't do a pay, ent arrangement, you can not pay it and we will eventually turn it into collections, in the meantime you will contain to get fees. '' So basically the bank can choose to pay a check and them collect XXXX of dollars in fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX is reporting 51 late payments in the greater than 90 days category. On my XXXX  report, its reported as 51 charge offs, the time it went delinquent to the time I paid it off. I paid off other accounts and no one is reporting it like this. I just applied for a loan at a bank, and this is significantly dragging my score down. The total amount I was late was approximately {$150.00}. The loan officer said they had never seen it reported like that, and that it was excessively punitive. He said that I should be able to get it removed. 

I filed an investigation with XXXX XXXX requested that it be investigated and removed. They replied saying that it was correct and they were not removing it. It is a significant hindrance to my getting loans, and seems extraordinarily punitive.

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 2020-05-03
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: Account status incorrect

Complaint:
My Equifax XXXX and XXXX report are showing an XXXX XXXX account number XXXX shows a 30 day late payment from XX/XX/2017. This is a mistake as I have documentation from XXXX XXXX showing this late payment has been corrected and REMOVED. 
I am attaching my Equifax and XXXX  report and letter from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Once again, Equifax is not allowing me to access my free annual credit report. 
In addition, I am unable to 'unfreeze ' my credit with them, getting a " We are currently unable to service your request. Please try again later. '' message.

Company response to consumer: Closed with non-monetary relief