BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I tried to withdrew funds from Coinbase Inc [ US ] on the XX/XX/XXXX from my bitcoin wallet to my bank account. According to their website the transaction has completed. 

However no funds have arrived in my bank account. I have previously successfully withdrew funds to the same bank account. 

Sum involved is XXXX Euros. 

I contacted customer support on the XX/XX/XXXX and got the following reply : Coinbase | XX/XX/XXXX XXXX PDT Thank you for submitting your request. Due to increased volume it may take several days to receive a response. 

I asked for an update on XX/XX/XXXX and got this reply : XXXX replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

I have made 2 further attempts to contact Coinbase to get a further update and a resolution to this issue but have been unable to get a response back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: RICHLAND HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've never owed this credit collection company, nor the original creditor, any of the unwarranted debt they claim that I owe, nor do I owe the additional unwarranted debt accrued since originally making me a victim of their illegal, debt-accruing, crime operation in early 2018. Note : this company is known for accruing false debt and subsequently purchasing more debt on top of what they initially, unjustly, and illegally accrued ; just check their XXXX reviews [ Account Corporation of Southern Nevada ], in order to slander one 's financial reputation for their company 's own personal gain/debt reconsolidating purposes, I presume. Another note : I don't have any other history or slew of derogatory accounts except for this and if I do they are well under XXXX $ and are also in the process of being disputed/litigated, as I've never had an instance where I haven't paid an amount on the correct date it was owed. Hence, my credit report shows a mostly accurate depiction of my financial history, in which this unwarranted derogatory account [ Account Corp of Southern Nevada ] does not support and is tremendously out of the ordinary/ doesn't following my usual financial patterns. XXXX has already removed the report as a result of inaccuracy. Currently in the process of disputing the inaccurate information/ relaying the removal to the rest of the credit bureaus. Again, this account is an error/unauthorized and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
CASH App is engaged in fraudulent practices, CASH App, XXXX  and allegedly several other banks are money laundering stolen checks. Each time I open the XXXX  App, I get a code, although I have not enrolled in 2-step validation. Subsequently, when the code is sent, I receive a push notification from CASH App. The notification shows a transaction, however, it does not reveal the amount or to whom the transaction was done. 
The transactions are also not on any statements. I have been notified that several people are receiving money deposits in their CASH accounts and I have been informed that here in XXXX, Alabama people are receiving large sums of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We opened a new Wells Fargo Visa card to handle all charges related to rebuilding our home following a total loss due to fire. We pay the balance due before we receive a statement because the credit limit is small compared to charges incurred during construction. We made a $ XXXX payment on XXXX. Today ( XX/XX/XXXX ) we ordered lumber and the charge was declined. After a call to Wells Fargo, we found out that the {$19000.00}. payment was on hold and would not be posted until XX/XX/XXXX. That's fraud as far as I'm concerned ... .if not theft. Our lumber was not delivered and our workers left the job.I spoke to three different departments at Wells Fargo and none could tell me why the payment was on hold. They have good funds from our bank and will NOT post the payment until XX/XX/XXXX. As I understand, there is a time limit on this anyway.

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 2020-08-14
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked this company to cease and desist all contact. They continue to reach out, but now call from blocked numbers and threaten legal action. They also gave information to my sister who answered the phone for me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem : Wells Fargo Home Mortgage took money I had sent for escrow payment and -- without checking with me or asking my permission or even notifying me -- applied it to the principal of the loan ( XX/XX/XXXX ). 

When I called on XX/XX/XXXX to ask why they had not refunded the overpayment of {$600.00} to me, as I had been told they would do when I closed the escrow account ( on XX/XX/XXXX ), the representative ( " XXXX '' ) told me the escrow payment had been credited instead to the principal. I protested that my overpayment/escrow should not have been applied to principal but refunded to me. He said Wells Fargo couldn't " split the payment but would have to refund the entire mortgage payment of {$2100.00} and that would mean my monthly mortgage payment would be late and they would have to charge a late fee. '' Timeline in brief : Called XX/XX/XXXX to close escrow. Told to pay full mortgage payment in XXXX and then in XXXX the bank would refund all escrow ( {$2400.00} ). On XX/XX/XXXX received refund check for {$1700.00}. This prompted my phone call on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express offers the Plan It feature, which allows the consumer to set-up an automated monthly payment for a fixed fee. I have used the feature in the past and have had 3 options for payment duration. However, this has changed, and the number of payment options has been restricted " based on purchase amount, account history, and creditworthiness. '' They advertise " up to 3 different options '' for payment. However, the automated software is pushing me to 24 month payments and not giving other options. This is tricky and dishonest because this will essentially collect the full interest rate ( 24.9 % APR ) on a purchase of {$190.00} ( plan it fee would be around {$49.00} ). If I had the option, I would set-up a 3-month payment, which was available previously. 

To be honest, this doesn't create a huge financial burden for me. But AMEX should not advertise this as a money-saving feature if they are just finding a way to trick consumers into paying the full interest rate by dragging out the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX XXXX had my loan. They became XXXX XXXX XXXX. All of the customer service numbers no longer work and Nationstar Morgage aka Mr. Cooper seems to be involved but it is impossible to reach then either. Their website is non-functioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Equifax must be crazy because they have not been disputing this account because they would of been told that they must XXXX out the balance and pass due to a cancel debt there is 3 letters from XXXXXXXX XXXX XXXXXXXX from XX/XX/2023 XX/XX/202 and XX/XX/2023 that states they told all thee credit agencies to XXXX out the XXXX account they told them 3 months ago yet they come back as accurately reporting a balance when they were told to remove the balance this is the proof and I was told by XXXX XXXX XXXX XXXX Regulatory Complaint Specialist that they should contact him personally for a 3 way call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 per certified mail. It is now XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  XXXX 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

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 


The follow accounts are as follows : Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, DEPT OF ED /XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, US  DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # 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 that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-30
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: Reporting company used your report improperly

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief