BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: Coinbase, Inc.
State: HI
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 XX/XX/XXXX I had {$3800.00} USD in my coinbase account to transfer to my bank. I went to login in to add my banking information and Coinbase froze my account and has been holding this USD hostage. I continuted to attempt to contact coinbase, but they have no phone number or email and only bots answer their inquiries. I opened up a formal complaint with coinbase who then tried to close my account. Attempts to communicate to coinbase are on ... 
XXXX : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX On XX/XX/XXXX, a formal complant was recognized with case # XXXX On XX/XX/XXXX i submitted an escalated case that would not reply until the former complaint was solved. Complaint # XXXX The issue is that I have USD in my coinbase account, but coinbase will not allow me to access this cash to transfer to a bank or other location. They will not respond or reply. The escalated case and original complaint are a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Atlantic Recovery Solutions LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Atlantic Recovery Services ( ARS ) is a debt collection service that is attempting to collect debt for an ex-husband ( XXXX XXXX ) whom i divorced 10 years ago. After repeated calls to me over the past six months and repeated discussions advising I have no legal connection to my former husband, I continue to receive harassing phone calls. I've been advised by several of the companies representatives, including management that i would be removed from a calling list. However, i continue to receive calls. I have even tried blocking the company 's number. They are circumventing the block. These calls are adding to my anxiety in these stressful and tumultuous times. I filing a complaint as a hopefully final recourse to stop the harassing phone calls for debt that I do not owe. 

XX/XX/XXXX Call from ARS. Called back and spoke to representative. 

XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXXCall from ARS.  Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS XX/XX/XXXX Call from ARS XX/XX/XXXX Call from ARS. Called back and spoke to several representatives XX/XX/XXXX Call from ARS. Voice-mail left on my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CNG HOLDINGS INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection is being to the bureaus that I do not have knowledge or aware of. This is clearly fraudulent. Listed below are the details of this collection account. 

XXXX XXXX XXXX XXXX XXXX # : XXXX Opened : XX/XX/2020 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Block, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, I placed an order for a XXXX Sectional Couch from XXXX XXXX using an installment loan from AfterPay. The estimated delivery date was XX/XX/XXXX. However, when I requested a tracking number, I was informed that there were delays and that they would let me know when my order left the warehouse. Despite checking in monthly, I received excuses about warehouse delays, and my order remained unprocessed. Finally, I decided to cancel my order on XX/XX/XXXX and requested a refund. Unfortunately, XXXX XXXX informed me that they could not issue a refund as they no longer worked with the payment processor and Afterpay does not let you open a dispute after 120 days which is a big red flag since the pandemic has caused a lot of manufacturing shortages. They suggested that I dispute the charge with my credit card company and deny receiving the goods, even though they did not offer any other solutions like a wire or ACH payment. I paid {$1500.00} through AfterPay and I've contacted them multiple times they have refused to help me with getting in touch with the merchant. AfterPay knows I have never missed a single payment ever since using them, they have refused to call me and everyone keeps giving me the same answer. The only one that can help me is AfterPay, I need them to get the merchant to give me my money back. I am very disappointed that XXXX XXXX and AfterPay did not treat its paying customers with respect and instead scammed them out of their hard-earned money. It would be greatly appreciated if they could refund my money as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital one bank contacted me about a month ago, asking me about my deposits and withdrawals. They said i have high deposits and high withdrawals. Theh asked why and i explained that nothing has changed in my banking activity for the almost 5 years i have had this account. I asked if there was a problem and they said now. Now i received notification that my account is closing in 14 days. With no actual, real, specific or honest reason as to why. I would like them to give me the the reason why they decided to close my account. Generic policy disclosures will not be acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-09-30
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- we entered in forbearance in XXXX of XXXX with Loan Care -we have remained in contact Monthly for the entire period of our forbearance and was told numerous times that a deferment was possible and our best option when coming out of forbearence. 
- we exited forbearance recently and was told that someone from the company would reach out to complete the deferemememt process. 
-instead, they called telling us that we better sign up for their 40 year loan modification or else they would start the foreclosure process on us. 
-we explained that this was never explained to us and that we were waiting for deferment paperwork, the lady told us that the maximum deferment approved was 18 months and that if we wanted to remain eligible we must submit a payment and back date it for XX/XX/2020. We provided payment and she said that the deferment was approved. 
-several weeks went by and we have heard nothing, I called in again yesterday and told that it was still under review but that I would need to make an additional payment and back date it for XX/XX/2020, which I did yesterday. I was told they sent an email and that it would all be settled today with my deferment. 
- I called today to follow up and after being transferred around for 2.5 hours a woman got on the phone and said Im never getting a deferment and that she was sorry that I was promised that numerous times before. She threatened to turn on 40 year modification paperwork or she would foreclose our home. 
-at this point I have made 2 full payments out of forbearance and trying my hardest to call daily and get this resolved. I want a deferment of payments as promised and planned and to remain my normal monthly payments without my credit being destroyed.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: COAST PROFESSIONAL INC
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To Whom it may concern, I have not received a response for over one year regarding my closed school complaint and loan discharge. This is my second request to have this fraudulent loan discharged. For your records, here is my request again : COAST INC XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Closed School Loan Discharge Application and Request for Forbearance Dear Sir or Madam : I am formally applying for a closed school discharge of my student loans. With this letter, I have enclosed my completed closed school student loan discharge application and supporting documents. If any additional information is required, or if any information is missing, please get in touch with me immediately using my contact information below. Additionally, while my discharge application is pending, I request you put my federal loans into forbearance. In other words, I ask that the Department and any contractors or loan servicers it hires to collect on my loans cease all collection efforts while my discharge application is pending. 

Please confirm that you have received my application and that my loans will be placed in forbearance while my loan discharge application is pending. 

I appreciate your cooperation. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CITIBANK, N.A.
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:
I have called Citibank Fraud Dept. on XX/XX/19 to report the fraudulent charge when they were just pending ( 4 charges ). 3 charged were reversed. Charge of {$92.00} is not reversed and payment is due XX/XX/2019. 
Called again on XX/XX/19, told they would take care of it, This representative called the vendor in a 3 way call who confirmed I did not make the charge and it was not my address for shipment. ( Shipment was stopped before delivery ) Still not reversed. 
Went into bank on XX/XX/19 and told must call and speak to a Supervisor. Called for the 1st time on XX/XX/19 ( 46.51 minute call ) spoke with a Supervisor who did absolutely nothing to help and transferred me to a Dept. who said they would " look into it ''.

Called a second time on XX/XX/19 and spoke to another Supervisor who again said she would have it taken care of.

After 4 phone calls, a visit to the bank, a conversation for seller, and over 1 month later I am still charged for the {$92.00}.

This amount was charged to a Visa Credit Card that Citibank closed in XX/XX/2019 as they no longer offer Visa cards.

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 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed XXXX of my credit accounts due to inactivity on my accounts. Last activity was XX/XX/2021. I had XXXX Balances on both card. I had used these card XXXX year they were my oldest card. I only received letters that accounts were closed due to inactivity no other notification no warning that i should use my card other vise would close. This now caused my credit score to drop XXXX points. Which also affecting my line of credit for my business. This caused my credit history length to shortened some XXXX  years. Why would not receive a notice at least. I had been royal client. I am looking for my legal rights as a credit card holder. I feel like I am being discriminated. Their action with out any notice damage my score deeply. They are telling me they won't be able to re open my account. LosXXXX XXXX  years of credit history and cant even access my account statements just wiped out. Please Help. 

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 2021-10-01
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
Experian has sent me documentation that states they receive and verify bankruptcy information with XXXX. I recently froze my XXXX nexus and opted out of XXXX. Experian can not receive or verify any information about me through XXXX. The bankruptcy information was removed by XXXX for inaccuracy and inability to verify. XXXX is still investigating. Experian has said they have verified the information with XXXX, but that is not possible.

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 2023-05-09
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I received an email from Chime with an IRS-B Note saying I needed to send them the W9 form and copy of my ID for verification. In the email it also said that if I didn't send the documents my account would be blocked. After submitting the documents several times and receiving several automatic emails saying the same thing finally on XX/XX/XXXX they sent me an email saying that they had approved and that I didn't need to do anything else. 

Until then the experience had been bad but there was a deadline and clear communication. Yesterday ( XXXX ) Chime simply blocked my account ( checking, savings and credit card ) without any prior notice and asked me again for the same documents. We are back to the same point of sending and receiving automatic emails. With the difference that I am sending the same documents that had already been previously approved and I can not use my own money. It is an endless lack of respect in a bank that no longer has any trust on my part. I called customer service who basically couldn't help with anything, just escalated and asked to wait for the next email. I receive my salary in this account, I have money there, I have a credit card and this bank, without any notice, felt entitled to block my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX I default on tuition owed to XXXX XXXX  XXXX XXXX WI. In XXXX the debt was sold to kohn law firm. XXXX  discharge the debt. In XXXX Kohn was informed I lacked the financial ability to pay. In XXXX Wisconsin 6 year statue of limitations ran out to collect. It is XXXX Kohn is try collect on XXXX year old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NJ
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, Date Opened : XX/XX/XXXXXXXX  REPORTED TO Equifax, last day of payment XX/XX/XXXXXXXX  Collection account with a pass due amount showing {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  reported to XXXX, last day of payment not reported, BALANCE {$200.00} - XXXX XXXXXXXX, Date OpenedXXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Paypal 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: Account status incorrect

Complaint:
I have attempted to contact PayPal for years. Yet they only respond on email claiming they have called yet has never called. 



I had a seller account on XXXX which is operating payments through PayPal. 

On XX/XX/XXXX the buyer in the document included purchased an XXXX  XXXX from me. 
Item was shipped and received perfectly fine. Even though purchase had a no refund and no return policy. The buyer waited XXXX XXXX  to them advisXXXX XXXX XXXX XXXX XXXX  Beyond his knowledge the phone is brand new, being that I had lost mine prior to my contract ending and had to be sent a new one. Paypal ruled the case in the buyers favor and approved him to return the device. Which I have still not received my phone back. The customer stole my phone and sent me back a phone screen glass. In dispute I immediately contacted paypal and advised of the issue. Then they advised I had till a certain date to get police report. Even though the date hadnt passed paypal went against what was advised an closed case early and refunded client even though I have included pictures of what was returned to me. 


I would like to proceed with all necessary to be refunded for my phone as well as compensation for this inconvenience, stress and all the incorrect info being reported to the credit bureaus. Not only they did not protect me as a seller. They also helped a person steal from me. I will Include all the documents PayPal also received for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
fraduelnt account opened XX/XX/2011 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 2022-05-04
Company: MidAmerica Mortgage Inc
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 we received a pre-approval from XXXXXXXX XXXX XXXXXXXX # XXXX to purchase a home in Minnesota. Interest rate at 4.125 % XXXX fixed with no points. On XX/XX/XXXX we sent them an executed contract for a home we are purchasing. In an online exchage on XX/XX/XXXX XXXX XXXX told us there was no expiration on the approval. On XX/XX/XXXX we reached out again to ask a question about closing and interest rates and were told by XXXX he would get back to us. 

On Monday XX/XX/XXXX we received a voicemail from XXXX XXXX informing us they were indeed not licensed in Minnesota to do loans and that we were basically out of luck as far as them being able to service the loan. We already have executed contracts and purchase agreements to buy this home and are left to scramble to secure new financing and not be in violation of the contract. 

We have been lied to since day XXXX about their ability to service this loan. They have mislead not only us but the seller and their agents. This will cost us thousands of dollars in interest rates based on the new rates we will be forced to take since this preapproval was never legal and the rates were not locked in.

Company response to consumer: Closed with explanation