BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Has called my cell phone several times XX/XX/20, XX/XX/20, XX/XX/20. Left several messages stating they were contacting me from the processing dept and they received an order and will actively pursue my place of residence or employment to serve me papers. 

They also called my ex husband on his cell phone on Monday XX/XX/XXXX and left the same message. 

On XX/XX/20 suspecting scam/fraud I called the number left on the voice mail at XXXX ( XXXX XXXX XXXX XXXX, XXXX ) and spoke with a female who provided the name of " XXXX. '' She providing me with all of my PII ( all correct unfortunately ) stating I have an unpaid debt from Ace Cash Express in the amount of over {$900.00}. She suggested I pay the " discounted '' rate of over {$500.00} to avoid the following- Says a Process Server or Courier is coming with papers to sign Threatened to go to my place of employment Insists I have been notified via several mailed letters to my current address Refuses to give a company name or verifiable Contact source Refuses to send proof of debt via US mail Repose of my car ( stated accurate and current vehicle info ) Can have my accounts/ funds frozen I have never opened up an account/loan to Ace Cash. I obtained my credit report and there is not any recent incorrect activity and nothing listed for Ace Cash. 
I tried calling back several times to speak with someone in regards to incorrect info and was hung up on each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
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: Account information incorrect

Complaint:
I have previously disputed inaccurate information on my credit report under the following codes ; 039 Serious delinquency 018 Number of Accounts With Delinquency 005 Too Many Accounts With Balances 008 Too many Inquires in last 12 months All of these codes are incorrect and reporting illegally pursuant to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my lender but they continue to give me the run around. One week they advise they have everything they need and the next they ask for the same thing over again and I have to go back and tell them when it was sent and they mysteriously happen to find it.

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 2022-06-11
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: Their investigation did not fix an error on your report

Complaint:
How is this possibly legal. Document Upload.

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 2022-04-07
Company: TD BANK US HOLDING COMPANY
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: Reporting company used your report improperly

Complaint:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to bring attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: First Associates Loan Servicing LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with Student CU Connect at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I, nor any lender, is able to access my Equifax report. Equifax has placed a hard block on my file with instructions to call customer service to resolve. I followed those instructions more than XXXX  days ago and was told by their support team in XXXX that it would take XXXX  days to resolve via a ticket they submitted. That was more than XXXX  days ago. The folks in XXXX have only read only access and are just middle people who take notes for another team no person can communicate with. This is not a standard freeze or lock. When anyone pulls a report for me, all fields come back as XXXX, not sure what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax had a data breach and Equifax admitted that I was a victim of the data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 try to get help with a loan I stay with my parents and I myself needed a small loan to pay rent or if be evicted an the lady looked at me an I felt judged an she told me I can't help you an wouldn't even look at me to say it to my face .... I felt like reporting her an getting her information she also said you sure you can pay back the loan like if I can't an I felt she was discrimination me cause I'm XXXX and she was very rude

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 2023-05-05
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: Investigation took more than 30 days

Complaint:
I am writing to file a complaint regarding TransUnion 's verification process for the disputes on my credit file. I am a consumer who has been taking steps to improve my credit score, and I have made a number of disputes with TransUnion regarding inaccuracies on my credit report. 

Unfortunately, I have found that TransUnion 's verification process has been inconsistent and unreliable. Despite providing documentation and evidence to support my disputes, TransUnion has verified the inaccurate information on my credit report time and time again. 

This has had a serious negative impact on my credit score, as well as my ability to obtain credit and personal guarantee my business. I believe that TransUnion 's verification process is not in line with Metro 2 base standards, and I have concerns about the accuracy and reliability of their credit reporting practices. 

I would like the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that TransUnion is held accountable for complying with the Metro 2 base standards. I also request that any inaccuracies on my credit report be thoroughly investigated and corrected in a timely manner. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a digital wallet ( Coinbase Wallet ) with a company called Coinbase where I store my crypto currency worth about - last time I was able to check - {$10000.00} or more +/-. 

My phone crashed XXXX, & I had to restore it from a backup that I had on my XXXX from XXXX with, what I thought, my " Key '' stored in that backup. But according to Coinbase, the backup needed to be done to XXXX. Why? I don't use XXXX. I use my XXXX  for my backups. 

Anyway, after the restore I got thus said message ... 
Failed to retrieve keys, please sign in again ( Error code : XXXX ) I was/am essentially locked out of my account/wallet. 

I contacted Coinbase on XXXX notifying them of this. 
Also, after the restore, I was able for a split moment/s to access the wallet before it denied me access again. It stands to reason that I am logged in in some form, correct? If so, shouldnt I be able to move my funds out of the wallet within that/those split moment/s? Tried. But was unsuccessful at doing so. Funds won't move. 
During this split moment/s that I managed to get into the wallet, & tried to get to this key, but the wallet would not grant me access to my recovery phrase/key?!? 
And now, Coinbase is essentially telling me that if I do not have access to this key I will never be able to access my funds ever again. This is a tad crazy. Besides this key I also have a password that I created. A second layer of security. But according to Coinbase, can't access it with that either. Have to have the key first. It is my understanding that they do not offer any assistance in recovery of " key '' /password. 

Coinbase 's answer to my inquiry - Please note, Coinbase Wallet is a user-controlled, non-custodial product the recovery phrase is what gives you, and only you, access to move funds that you have received. For your security, Coinbase Wallet will never have access to this seed, meaning that we are unable to move funds on your behalf even in the case of you losing access to your recovery phrase. 

My question is this ... why would any company create a platform such as this? A platform that makes it virtually impossible to retrieve my funds if something should go wrong? Coinbase, or any other company, should not be allowed to subject their users this " treatment. '' Human beings lose passwords/keys all the time. However, I did not lose mine. Or so I think. Shouldn't it be in the backup on my XXXX? If it can backup to XXXX XXXX, why can't it backup to my XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Failure to protect my personal information, putting me at risk of credit and identity theft for the rest of my life. I have been very careful with my personal information otherwise and shouldn't be punished with the looming threat of identity/credit theft for their lack of security.

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 2023-05-05
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection was put on my credit report for {$810.00} from Enhanced Recovery Collections for XXXX XXXX. Ive never had an account with XXXX nor do I owe them this amount. Also, I called XXXX to see what was the reason for the charge. Since XXXX is owned by XXXX. They claim it was for an old bill of {$660.00} from XXXX XXXX, when I lived in XXXX XXXX. However, I dont remember owing them this amount and Ive never received any correspondence from XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Collection in regards to this delinquent debt. Furthermore, it would be an old debt with XXXX that exceeds the statute of limitations in Alabama. Ive lived in XXXX since, XX/XX/XXXX and this was just put on my credit report on XX/XX/XXXX. Ive never received any correspondence from this company in regards to this debt the entire time. This is totally an unfair process in trying to collect a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I ran my credit report report on XX/XX/XXXX. I saw that Wells Fargo has throughout my Covid-19 financial economic disaster been well informed of my attempts for XXXX XXXX XXXX and Pandemic assistance. My accounts that they were able to see that went into collection were due to illegal activity of yet another one of there banking products- Wells Fargo XXXX XXXX XXXX XXXX that ignored Cares Act and NC XXXX Orders- forced me to pay rent in full or be evicted on XX/XX/XXXX. 

Whereas I was told by Wells Fargo XXXX XXXX XXXX, " work harder, borrow money, get another job, it's not their problem, or get evicted. Cares Act did not matter '' Whereas I called Wells Fargo XXXX immediately after and was told that they could do a XXXX deferment and look into this. 

Whereas Wells Fargo, told me not to worry and then I started receiving calls from XXXX different numbers and multiple Wells Fargo XXXX XXXX, up to XXXX calls a day until XX/XX/XXXX. 

Whereas on I had no access to online billing until the end of XX/XX/XXXX. Wells Fargo removes online access to loans after just XXXX late payment or deferral arrangements, sends multiple billing from various departments so one never knows which bill is correct amount. 

Whereas I have been discriminated against for being on pandemic unemployment and a small business owner.There have been inquiries from multiple Wells Fargo XXXX Platforms.They proceeded to threaten me daily until XXXX. I was told because I received government aid, my business had suffered tremendous loss, and I worked as a XXXX worker that my car could be repossessed for just receiving government aid alone. 

Wells Fargo XXXX XXXX XXXX inquired XX/XX/XXXX, then mailed a full demand for loan payout from PO Box XXXX XXXX, NC XXXX, Phone number XXXX. They inquired again on XX/XX/XXXX. 

Wells Fargo XXXX XXXX XXXX inquired XX/XX/XXXX from XXXX XXXX XXXX XXXX Fl 1, XXXX, NC XXXX https : XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX XXXX Community XXXX XXXX, XXXX, NC XXXX XXXX 

Wells Fargo Bank XXXX inquired on XX/XX/XXXX from XXXX. XXXX XXXX, XXXX XXXX, IA XXXX and phone number is XXXX My auto loan was closed due to XXXX, social, and financial discriminatory violations of federal, lending, and consumer practices. It is illegal to close an account, not verify balances based on receiving social, financial, and healthcare services from federal, state, and local governments during a worldwide pandemic.

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 2023-08-15
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX, I applied for a Discover credit card. I received the card on XX/XX/XXXX and activated it the same day. The timeline for this account is that it is 8 days old. For some reason Discover sent me a bill due date and stating that my billing cycle ended on the XXXX of XX/XX/XXXX. I have talked to numerous employees and none of them could help me. I simply asked for an account less than 30 days ( 13 days active at the time of this message ) why do I already have a billing statement due? Please see attached, the most odd thing about the conversation is that they state that the 'system automatically generates a due date ' which makes no sense for an account this new. To be clear, I am not disputing the transaction on the account, I am fine with paying it, the billing statement is what I have issues with. If my account was opened on XX/XX/XXXX or the activation of my card was on XXXX as the start of the billing cycle and ends 30+ days later then I would be fine, because I would expect a bill due date to be either late XXXX or early XXXX. They also claimed that my billing cycle was stated on a welcome kit letter, which there is none ( please see attached ). All I was asking for is let my account actually be active for 30 days and send me a correct billing statement and they could not be bothered to do that. Their practice is predatory and not clear in what the sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received my annual escrow analysis which shows a shortage of {$110.00}. My XX/XX/XXXX beginning balance was projected to be {$1700.00}, but it was actually {$2000.00} ( a {$260.00} surplus ). My 12 month ( XX/XX/XXXX - XX/XX/XXXX ) escrow payment is {$250.00} which totals {$3000.00}. Added together my 12 month projected should be XXXX and my 12 month actual would be XXXX. My projected city , county taxes and homeowners insurance comes to {$3000.00} and my actual was {$3100.00} due to a {$79.00} per year increase in insurance premium. If I subtract the actual taxes and insurance of {$3100.00} from my 12 month actual of {$5000.00} I should end up with a balance at the beginning of XX/XX/XXXX of {$1900.00} where they are showing a final actual balance of {$1700.00}. This equates to a difference of {$250.00} which is exactly 1 escrow payment and is greater than my supposed shortage of {$110.00}. My statement shows a {$0.00} increase in the month of XX/XX/XXXX. US Bank is stating that this was due the analysis being performed in XXXX and not counting that month 's payment in the actual, yet my payment was posted early in the month and they are showing payments and balance increases for XX/XX/XXXX and XX/XX/XXXX. I have spoken with 2 representatives and requested a review with no change in their stance. They have also refused to perform a 2nd escrow analysis, as they say then can't unless I am refinancing my mortgage.

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 2022-09-14
Company: EQUIFAX, 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:
I'm a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15USC1681 and they violated my rights numerous of times. I demand account listed below to be removed because according to the 15USC 1681 : I have the right to privacy & I did not give Equifax written permission to furnish this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation