BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase took XXXX Ether from me claiming that I had a balance owed for another transaction. When I looked into my transactions both from my bank as well as on their website, I did not see any additional transactions that weren't accounted for. I only saw my Ether they had taken. My cryptocurrency matched what I paid for it. 

I corresponded with them on 3 occasions asking for them to provide me proof that I owed the funds, offering to pay the balance if they could prove I owed it and they never provided it. In fact they never even offered a meaningful explanation as to why they took the funds. They subsequently closed my account limiting my ability to view the account. Since they closed my account, I can't show screenshots of the transaction history. 

I looked into this on Crypto forums and it appears that they are commonly duplicating charges and not refunding the transactions. This occurred in the XX/XX/XXXX timeframe and they closed my account in XX/XX/XXXX. 

Linked is a XXXX article from XX/XX/XXXX where it appears this happened to many people. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX   2017 Wakefield & Associates  posted a collection in the amount of {$410.00} to my credit report. I did not receive a letter regarding this debt and have no idea what it is so sent a debt validation letter via certified mail on  XXXX / XXXX / 17 . Tracking showed it delivered on  XXXX . I have not received any response but I was under the impression they are not allowed to attempt to collect or continue updating regularly to the bureaus until they verify the debt. They have updated on my reports 3 times since receiving my request on  XXXX . Once on  XXXX , once on  XXXX , and once on  XXXX . I submitted a complaint on BBB last week and have yet to receive a response. Also, the alleged debt is said to be from my local hospital but the hospital is not familiar with this collection agency. I want it removed from all of 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with a fraudulent account and fraudulent inquiries

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 2020-03-02
Company: Credit Control, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
Credit Control is using XXXX  bullying tactics against us, the helpless forgotten people. It is proven by the XXXX  XXXX, XXXX and others that we are the victims. 

They have been calling every day, many times a day, with big threats to destroy our family, we the helpless people who support those that manage the inner cities. 

Credit Control XXXX  attacks are known all over the World and they are being sued in many lawsuits. They are also threatening to retaliate against us with a lawsuit because we dared to stand up for our rights. Yes, they are threatening to sue us and promised us it would happen if we resisted - that is called retaliation under the law. 

Credit control is violating the law and they are not in compliance with Federal and State laws. It is illegal for any junk collection agencies, especially ones using terror tactics, to make empty threats to sue us or garnish our wages.

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 2020-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX charged me for {$2400.00} on XX/XX/XXXX. I disputed it, closed my card, got my funds back and was fine. Then again on XX/XX/XXXX, they charged my card again, this time using XXXX XXXX for {$3000.00}. I have never in my life dealt with this merchant and I am not sure how they are accessing my account. I have since been dealt a new card and changed my online ID and password. Chase however, decided that this new {$3000.00} charge isnt " fraud '' because there were XXXX XXXX transactions after the posted XX/XX/XXXX {$3000.00} transaction at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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 status incorrect

Complaint:
The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?

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 2020-03-02
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX, XXXX, and Experian is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX, Transunion, and XXXX is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX  Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting

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 2017-06-26
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I went on vacation to XXXX from XX/XX/XXXX to XX/XX/XXXX and when I got back CoinBase froze my account that had XXXX Ethereum coins worth roughly $ 55k at the time. When I found out they froze my account, because of my vacation I received a notice to submit my proof of residency and proof of citizenship. I tired emailing on XX/XX/XXXX with no response. There is no phone number to call. I tired submitting a ticket and provided all of the  required information. It has been over three weeks now and I have not received a response from the company. Over the last three weeks my account value has dropped significantly from $ XXXX. CoinBase has already cost me many thousands of dollars, please help me regain access to my account. I was planning on using the funds to replace the roof on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mr. Cooper is attempting to collect a debt that is not mine. I'm requesting a cease and desist ; and validation of debt .I received a mortgage loan statement that indicates the amount due is {$190000.00} and is 3,246 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: AL
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 an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I  have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Discover bank charged me {$15.00} excessive withdrawal fees in XX/XX/XXXX {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. I never received their letters they mentioned in their previous  correspondences. If they sent letters, they were never delivered. I was never informed of this. As a bank, those fees need to be refunded as a courtesy. $ 200+ is a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
monterey collection agency is damaging my credit report with a debt that i do n't owe the company is constantly calling me threatng me and harassing me over the phone when i already have told then that the account that they are trying to collect is no mine.   but they insist this company is not respecting the law and they are acting like a mafia by using threats abusive language and adverse tactics to intimidate the people to collect money that the consumer does not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
URGENT FEAR MY CAR COULD BE REPOSSESS DUE TO " ADVANCE AMERICA '' NOT POSTING MY PAYMENTS PROPERLY DUE TO INACURRATE ACCOUNTING AND CHARGING EXTREME EXCESSIVE FEES ON A TITLE LOAN AND PAYDAY LOAN. 

I AM FILING a complaint as there are several major problem with a company called " Advance America '' ( Car Title and Payday loan ). Advance America steered me into taking out a higher Title Loan Amount, of {$3000.00} causing the Interest Rate of this title loan to exceed the 30 % cap max on a {$2500.00} title loan ( that is what I requested ) but employees steered me into taking out {$3000.00} Car Title Loan ( they have my Pink Slip as collateral ) and the interest rate I am being charged is XXXX ADVANCE AMERICA NEVER DISCLOSED TO ME THAT THE INTEREST RATE WOULD BE EXTREMELY HIGHER ON A {$3000.00} LOAN AMOUNT THAN ON A {$2500.00}. 
I am having major problems with ADVANCE AMERICA not posting my payment correctly, they have forged signatures on receipts, charging me additional fees, payments missing, have not posted payments correctly. My last 3 payments PAID ON THIS LOAN NOTHING HAS BEEN POSTED TO PRINCIPAL ETC. ( SEE EXPLANATION LETTER ATTACHED FOR COMPLETE DETAILS ADVANVE America also had me take out a PaYDAY LOAN that was not necessary and charged me a INTEREST RATE OF ALMOST 1000 % ( SEE ATTACHED LETTER ). 

PLEASE CONTACT MYSELF XXXX XXXX AT ( XXXX ) PRIOR TO CONTACTING " ADVANCE AMERICA '' AS I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I  have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.

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 2021-01-19
Company: Professional Debt Mediation, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt multiple times with professional Debt, and I have received nothing in the mail at all from them. They have continued to report to my credit despite my many attempts to contact them and dispute the debt. I do not know if they even exist at this point! Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
My credit card was compromised and fraudulently charged. Neither I nor anyone I know authorized the transactions, I never get any benefits out of it. I notified Bank of America as soon as I found out the charge from banks website. Bank of America closed the claims without even hearing back from some of the merchants and not giving me any written proof. Since I didnt create those orders, merchants couldnt help and asked me to contact the bank. 
I need to get my money back on those fraudulent charges and I would like the bank to reopen the claims # XXXX, # XXXX, # XXXX and provide written detail of the proof that I am responsible for these fraud charges. 

XX/XX/XXXX XXXX  {$39.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX  {$10.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX  plus {$29.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX XXXX XXXX   {$180.00} XXXX Never receive anything XXXX XXXX   {$80.00} XXXX Never receive anything XX/XX/XXXX XXXX   {$100.00} XXXX Never receive anything XX/XX/XXXX XXXX XXXX   {$190.00} XXXX Never receive anything

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 2017-06-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Back in  XXXX , after the building industry collapse I missed payments on my mortgage. I applied for a home modification through  XXXX   XXXX   XXXX . They held a  XXXX  and  XXXX  on my property. I was denied a modification, at first, then a new application package arrived by fed ex to fill out and sign before a certain date.. During that process, the  XXXX  loan was  sold to Bayview Lending . They then sent countless application packets. I filled them all out. After getting denied 3 times for a modification, I tried to do a " Deed in-Lieu ''. That too got denied several tim es. I tried to short sell the property. Denied. All denied, but foreclosure dates kept moving. Last year I was contacted by an investor saying they could deal with the lender and had EXPERTS to deal with this and get it sold for me. They found buyers on several occasions, and each time bayview accepted the offers at first. All the proper paperwork had been filled out. They foreclosed the property 2 days ago. This whole process felt devious, uncoordinated, and incompetent.  <P/> My complaints are wit h : Bayview Lending   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
my card wasnt recieved my cards mail wallet phone was stolen while me and my employees went to  XXXX  i have airline tickets to prove none of us where in the country i never requested a line increase i never authorized or purchased anything and nor has my employees we where in  XXXX  and have proof now t here rebilling me the charges which is against the law they have violated my rights under the FCBA  the card that was used was under my employee   XXXX    XXXX  and it was aroun d 14000 in charges that arent mind

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 2020-03-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am In litigation with Select Portfolio Servicing whom foreclosed on my home however violated consumer protection laws Indurance les holding insurance proceeds without applying to my mortgage. Placing forces placed home owners insurance while i had private purchased homeowners. For 7 years sps refuses to modify my mortgage violating my rights under FTC laws Unfair deception abuse practices using political points blaming presidents for not being able to sue loan modifications. Perfusly staying they did not receive required documentation. All while under Bankruptcy I was placed into a chapter XXXX without my knowledge. Please someone help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter in the mail from Capital One about mu online request for pre-approval that had been denied. I have 3 Capital One accounts currently and did not apply for anything else from them. I called Capital One and they said they do not have any way of tracking if there was a letter sent out to me and that there was no credit applied for. I also submitted a police report since someone used my info to file for unemployment insurance as well.

Company response to consumer: Closed with explanation