BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.   Accounts listed below :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , KS  XXXX  Last Reported o n   XXXX   XXXX   XXXX    Balance {$1100.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$150.00}   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Tx.  XXXX  Last Reported on  XX/XX/XXXX    Balance {$11000.00}   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Last  Reported  on   XXXX   XXXX   Balance {$10000.00}  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , Tx.  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$26000.00}  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$8700.00}  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Las t Reported o n  XXXX   XXXX ,   XXXX    Balance  {$850.00}

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 explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my countless attempt to file a complaint and tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2022-09-10
Company: EQUIFAX, INC.
State: AL
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 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 Date opened- XX/XX/2017 Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I h ave two student loans repayments, one from Navient fo r {$24000.00} and  XXXX   for@  XXXX . I only went to   XXXX   XXXX   XXXX   XXXX  for 3 years  ( no de gree- left with a dispute with the financial aid office ) and there is no way I have close to {$50000.00} student loan debt. Bo th Navient  and  XXXX  are giving me the running around. I did make a deferment for the  XXXX  with the payment due in  XXXX    XXXX  .     The last correspondce I received was from  Navient 's Consumer Advocate Office  disputing all proof submitted to their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: BARCLAYS BANK DELAWARE
State: IN
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 mailed a letter t o Barclays o n  XXXX   XXXX ,  2017  about an unauthorized inquiry on my   XXXX   credit report from their company. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for their credit. They replied with a letter, dated  XXXX   XXXX ,  2017 , saying the inquiry was valid. I did not apply for their credit and I suspect this is a result of fraud. They also failed to send any documents to verify the results of their investigation.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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 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 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 2021-05-11
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
on Sunday XX/XX/2021 i used my mobile phone to check my Coin base crypto currency account and it showed me a balance of XXXX Cent previously on the same dat XX/XX/2021 my account balance was XXXX i did not sell any of my currencies because i was holding them for long term investments. After contacting coin base i was informed that i needed to perform a 2 step verification process in which i log in and put a 6 digit code i receive from XXXX in order to upload my photo identification front and back then i would have to use my web camera on my computer to take a selfie well it lets me upload the front and back of my drivers license but when try to take the selfie with my web camera the page disappear and another page appear stating that my identity can not be verified although i have uploaded my drivers license front and back i only have one last step to complete but can not due to the web camera issue. previously when i signed up for the account and was approved i used my mobile phone but coin base does not allow you to go thru that process. it is very hurtful to know you invested to make money and not know what happen to that investment. i think Coin Base is using the money as personal investments because when i purchased $ XXXX it was valued at {$3100.00} and in 1 week its value is over {$4000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: Key 2 Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX with Key to recovery has been calling my employer since XX/XX/2022. I have called and left him a message to cease contacting my work on XX/XX/XXXX and today XX/XX/2022 to send me correspondence through mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Solomon and Solomon, P.C.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account is not mine and they keep reporting it as a collection account on my credit report

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 2021-05-05
Company: Revolut Technologies Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My sister made a transaction on XXXX of XXXX with XXXX XXXX, I've tried to deposit my funds to my personal account on XX/XX/XXXX, but XXXX canceled my attempt and asked to proof my identity, so I did : I sent them my personal photo with holding my DL in hands, sent them XXXX statement, SSN number, but it wasn't enough for them and XXXX decided to lock my account and freeze all my funds due to suspicious activity. after 14 days of reviewing my claim I contacted them again and they said that they can't do anything about and I have to file a claim at their corp website. I've done that as well. after 14 days no one called me either. I tried to contact XXXX online agent again but they locked my access to it and just didn't respond me back for 24 hrs already and counting ... ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Debt Recovery Pro ,LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I RECEIVED A DEBT COLLECTION NOTICE IN THE MAIL ON XX/XX/XXXX FROM DEBT RECOVERY PRO STATING THAT I OWE A BALANCE TO XXXX XXXX XXXX XXXX. FIRST OF ALL I DONT KNOW WHO IS XXXX XXXX XXXX SO I GOT ON XXXX TO FIND OUT WHO THIS COMPANY IS THAT STATES THAT I OWE MONEY. DOING MY RESEARCH ONLINE XXXX XXXX XXXX IS INTERNET PAYDAY LOAN. FIRST I HAVE NEVER BORROW MONEY OR APPLY FROM A COMPANY ONLINE FOR A INTERNET PAYDAY LOAN. SO I CALLED THE PHONE NUMBER XXXX. I SPOKE TO FEMALE AND I STATED THAT I RECEIVED A LETTER IN THE MAIL THAT I OWE MONEY TO XXXX XXXX XXXX   WHICH I DONT OWE. SHE STATED THAT THE COMPANY IS OUT OF BUSSINESS. THAT I NEED TO CALL WHO SENT ME THE LETTER. SO I CALLED DEBT RECOVERY PRO AT XXXX AND SPOKE TO A GENTLEMEN ON THE PHONE ABOUT THIS DEBT THAT I DONT OWE SINCE I HAVE NEVER APPLY FOR ANY INTERNET PAYDAY LOANS. HE ASK WHO I WAS AND MY LAST DIGIT OF MY SOCIAL SECURITY NUMBER AND THEN HE INFORM ME THAT I OWE THIS COMPANY MONEY SINCE XX/XX/XXXX. AS I EXPLAIN TO HIM ON THE PHONE I HAVE NEVER TAKEN OUT ANY PAYDAY LOAN ON THE INTERNET HE STATED THAT HE HAD MY EMAIL ADDRESS AND THAT I DO OWE THE LOAN AND THAT IF I DONT PAY IT BACK THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT AND HE WAS IN THE PROCESS IN FILING PAPERS. AS I STATED TO HIM MANY MORE TIMES IF HE CAN SEND ME WRITTEN OR A CONTRACT FROM THE CREDITOR WHICH HE CAME BACK AND STATED THAT HE HAD A DIGITAL BUT HE CAN NOT SENT THAT. HE STATED THAT ON MONDAY XX/XX/XXXX THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT. SO AFTER TALKING WITH DEBT RECOVERY PRO ABOUT THIS INTERNET PAYDAY LOAN I CALLED AND TALK TO VIRGINIA BUREAU OF FINANCIAL INSTITUTIONS ABOUT THIS MATTER. I STATED THAT I RECEIVED A DEBT COLLECTION LETTER IN THE MAIL THAT STATED THAT I OWE XXXX TO XXXX XXXX XXXX FROM XX/XX/XXXX AND THIS ACCOUNT WENT TO COLLECTION AND THIS LOAN IS INTERNET PAYDAY LOAN. I WAS INFORM THAT IN THE STATE OF VIRGINIA INTERNET PAYDAY LOAN ARE ILLEGAL SECOND XXXX XXXX XXXX IS NOT AUTORIZE TO DO BUSSINESS IN THIS STATE THEY DONT HAVE A LICENSE. THEY WERE SHUT DOWN BACK IN XX/XX/XXXX. I WAS ALSO INFORM IT WAS ILLEGAL TO PUT ILLEGAL PAYDAY LOAN ON ANYONE CREDIT REPORT. I ALSO STATED THAT THEY REFUSE TO SEND ME ANY DOCUMENT FROM THE COMPANY NOT FROM THEM THAT SHOWS WHEN THE ACCOUNT WAS OPEN, THE AMOUNT GIVEN. I WAS ALSO INFORM THAT ON INTERNET PAYDAY LOANS THE AMOUNT I WAS GIVEN IS DEFINELY A RED FLAG. SHE READ THAT ALL LICENCE PAYDAY LOAN PLACE IN THE STATE OF VIRGINIA THE AMOUNT YOU CAN BORROW IS UP TO XXXX BUT YOU ONLY BORROW MONEY FROM A BUSINESS NOT ONLINE SINCE ITS ILLEGAL. THE PHONE NUMBER THAT I CALLED WAS XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
On XX/XX/22 while I was in XXXX, OR on a work trip I received text notification at XXXX that a charge for {$810.00} at a XXXX XXXX XXXX XXXX XXXX Washington had been made. I was at least 30-45 mins minimum with traffic away from the store at that time. I had just arrived at my hotel, so checked in and called to report it right away within 10-15 mins.

My card was not stolen, it was in my possession the entire day and at no time prior to that was it out of my possession. With exception to my stop for gas earlier that day when I handed it to the attendant ( No self serve in Oregon ) and he promptly returned it. Naturally the card was cancelled and a claim started.

Initially the charge was removed from my account the next day and then placed back on the same day. When I checked on it I was told because the transaction shows as a chip transaction which means the card has to be there in person for that to happen, they denied my claim.

Research and confirmation from various persons in law enforcement indicates that chips can indeed be mimicked to read that way. I filed a police report and reached out to the store to see about surveillance footage which the police retrieved for review and is detailed in the report received XX/XX/22. The report describes surveillance video footage of a white guy XXXX, I am a white female XXXX. Shortly after receiving it I called Capital One to find out how to send it along and get everything cleared up. They refused to accept the report as it didn't matter because like the times I reached out prior, the transaction reads as the chip/card being in the store, so that is it, nothing more to dispute. They apparently, conveniently refuse to acknowledge that chips can be mimicked. So they are sticking to that and seemingly there is nothing I can do. Which brings me here. I speculate that my card information was somehow captured at the gas station but its purely speculation. My hope in filing a complaint is that I can have the charge reversed. I appreciate you looking into this matter and hope it can be resolved easily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-17
Company: AFNI INC.
State: TX
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 recently pulled all  XXXX  of my credit reports. I noticed  XXXX  collection accounts from AFNI. I called and spoke with a rep who tried to inform me that I was indeed liable for the date. When I asked them to send me validation that indeed the debt is mines she informed me she would and I provided her with my email address along with my mailing address. 30 days have passed and I have yet to receive anything. I contact them again on  XXXX / XXXX / 17  and was informed that the information had been mailed. She was unable to provide me with an exact date. After asking for them to remove the information from my credit since it was not able to be validated she gave me every excuse on why she could not delete it and ask for payment again for the 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 XXXX XXXX XXXX Account # XXXX Date opened- 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 2022-03-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi! My Paypal account has been permanently limited without any reason and I am unable to get help from their customer service team as they are unable to help regarding account restoration. I just created my account a few weeks ago and upgraded it to business and it was limited right away. I have not broken any of the user agreements or done anything wrong. Please investigate this case and help me to get my account back. 
My PayPal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I pre-qualified with Bank of America on a FHA purchase loan. After finding a property and signing a purchase contract i also was pre-qualified with XXXX XXXX XXXX. My purchase contract was accepted by the seller on XX/XX/XXXX and on XX/XX/XXXX I informed Bank of American I was going to go with XXXX XXXX XXXX as my lender. Since BofA had already pulled the FHA Case number I requested via email that the case number be transferred to XXXX. After many request by myself and XXXX to Bank of America to transfer the case number nothing has happened. As of today XX/XX/XXXX the FHA Case Number has not been transferred. Request were sent to the loan officer XXXX XXXX XXXX XXXX and his manager XXXX XXXX. Both work in the XXXX XXXX XXXX XXXX, CA XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Their contact information is XXXX, XXXX and XXXX, XXXX. My contingency are coming due and I must release my contingency or fear losing the home or my earnest money deposit. I do n't believe a company should be able to hold my loan " hostage '' because I decided to go with a different lender. I had not signed a loan application or received and LE when i informed BofA of my decision to change lenders. All I want to do is have the case number transferred to XXXX XXXX XXXX so I can move forward. FHA Case number XXXX Thank you.

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 2022-09-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax refused to allow me to obtain my credit report through XXXX. Equifax refused to explain why I can not use the online method to receive said report made the consumer wait 14 day to send said report via regular mail. After receiving said report I tried to dispute inaccurate information via telephone. Equifax demanded I provide a telephone and email address to file a dispute then sent a text link via mobile phone and said the consumer had to upload a copy of their driver license and social security card via unsecured mobile lines to dispute inaccuracies on credit report. No where in the FRCA act does it say consumer must download person information i.e. drivers license and social security card via mobile telephone to dispute inaccuracies. Equifax is illegally requiring consumer to turn over private and sensitive data via mobile phone without guarantee security and the mobile telephones are not tracking and keeping this sensitive information. In addition telling consumer it's a requirement to dispute inaccuracies via telephone. I want CFBP to investigate this illegal practice of demanding consumers upload personal information to dispute inaccuracies on credit files and how many consumers has been impacted or denied the opportunities to file dispute via telephone. I want CFBP to enact and enforce laws stopping this illegal practice of demanding consumers risk security of releasing personal information to mobile telephone companies to dispute inaccuracies on credit report and hold Equifax accountable for this illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
City bank Costco Visa card is charging me a late fee and interest that I dont know why. How can people be on time paying when they receive the statement late. I paid my bill entirely last month after I received it which was already late. This month I got it a week before the due date. City bank has made it a money maker out of this which is well documented on line. I called them, tXXXX XXXX XXXX XXXX XXXX you got a late fee refunded last year. I 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 explanation