BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I deposited {$1000.00} from my XXXX XXXX acct. to Coinbase to purchase coins ( deposit ref # XXXX ) I really wasnt in a rush to purchase any coins but wanted the money to be readily available when I did get ready. I also honestly trusted Coinbase to be a trustworthy company, not to mention the money was in fact debit out my acct. so I just knew it was in my Coinbase acct. a couple weeks went by and I wanted to buy into a coin, I log into my Coinbase acct. and to my surprise my balance is {$0.00}. I immediately start to look through my Coinbase acct. to see what happen to my money. I noticed that the same day I added {$1000.00} the acct. Coinbase said that I withdrew the {$1000.00} back into my bank acct, I knew that was a lie because I actually went to bed an forgot about the deposit. I also wasnt mad at that point because, I thought the money would just be back in my bank acct., it would be easy to track and maybe it was some kind of error with me depositing the money to Coinbase an THEY reversed the payment. So I immediately call my bank, they inform me that they see when I made the deposit to Coinbase ( {$1000.00} ) but have NO records of the money being put back into my acct. by Coinbase ... SO WHERE IS THE MONEY, IS IT FLOATING IN THE AIR? I reached out to Coinbase to file a complaint ( # XXXX & # XXXX ) long story short they did reach back out to me after weeks and closed my case UNRESOLVED!!! I deposited money & my BANK VERIFIED that, I DID NOT BUY ANY COINS, BANK HAS NO RECORD OF MONEY BEING PUT BACK INTO MY ACCT. & Coinbase is {$0.00} this is ridiculous the amount of complaints Coinbase has for stealing not just my {$1000.00} but hundreds of thousands of dollars from people an the government has not shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
XXXX, TransUnion and XXXX  all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.

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 2022-03-26
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquires on my credit report that are not mine. These are the companies reporting false information XXXX XXXX XXXX First Interstate Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX  XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be on my 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 2020-01-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian credit report is currently displaying incorrect balance amounts on my two XXXX accounts, affecting my overall credit usage score.

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 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
You are reporting a PO box and I don't have one I lived at my address for 42 years where the XXXX you get this po box from remove at once and remove my personal statement

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 2022-12-12
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX of my accounts with the student loan servicer, XXXX, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My relative from XXXX received a job over XXXX. He was supposed to receive {$850.00} in check and there were 2 other persons who were supposed to get {$1000.00} and {$1100.00} for the job. I received a {$2900.00} check and I was instructed to send {$1100.00} to XXXX through XXXX and {$1000.00} to XXXX through XXXX. The rest {$850.00} I was supposed to send to my relative in XXXX. I deposited the check in my account and the money was available in my bank in next business day. I sent out all their money and ended the business with them. The whole thing was jest a courtesy towards my relative. The next moring i logged in and discovered I owe the bank more than {$1100.00} and the check was bounced. I went to the bank and they discovered it was a fraud check and I've to pay them. My relative contacted me and he said he doesn't know anything about the whole scam thing. I'm a XXXX  XXXX  and XXXX and this huge debt over me was unexpected. It's about {$2000.00} gone from my account and left me with around {$1000.00} debt to my bank. I'm in a big debt because of the scammers. The name of the bank in the check was XXXX XXXX XXXX  and in the very top the address was 'XXXX  XXXX XXXX ~ XXXX XXXX XXXX XXXX XXXX~ XXXX, fl XXXX ' I do have the screenshots of the sent money on 2 different XXXX  accounts in my phone. I really believe getting the bank accounts connected to the XXXX  accounts of XXXX and XXXX is good enough to get me out of the scam and get me my money bank. I'll really appriciate if the CFPB takes all the proper necessary steps to help me get out of the situation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In your response to case number XXXX Please identify the rep who prepared the document conveniently the name is missing why did that happen? 
Additionally it appears you've been sending XXXX XXXX documents on my case tell me when that commenced and who ordered you to send XXXX XXXX documents send me any subpoena any summons any letters correspondence emails between you and XXXX XXXX at any time during this mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: PLANET HOME LENDING, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage ( Planet Home Lending ) company forgot to pay our first tax bill causing that one to be delayed. And then they didn't catch up on our second tax bill, so then our second one for this year was delayed and we were charged interest. Additionally On the escrow accounting they made us pay from our escrow that interest due to the error they made. We have been delinquent in our taxes our entire first year of home ownership, However, we have been paying the monthly payments according to our bill the entire time as agreed. I am current on my payments. Apparently, they messed up their accounting, according to a letter they sent me and now they say I need to pay them even more money to get on track. How can I owe them even more money due to their error? I checked my escrow account there was more than enough money to cover the latest payment and a balance in there. I can't speak with anyone physically at this company. I feel like something shady is going on. I gave them all my money into Escrow trusting they would pay the taxes as agreed and they have yet to make a single payment on time. Also they are now saying some surplus check they sent us in error months ago we have to give them MORE money to fix it? However, our tax bill is already paid now, which is great but none of these bills make sense. They need to be investigated under violations of RESPA. I am asking for your help because not a single human has returned our multiple calls. All I have gotten are letters and not a single human has called me or my husband to explain. We've called numerous times and requested phone calls back and no one has called or attempted to call either of us back. What are we supposed to do when we are paying as agreed and they keep paying our taxes and other bills late and messing the accounting up on our escrow. Please help us. This can't be legal whatever is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: OLD NATIONAL BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out a considerable amount of money with the pretense that it was for medical equipment in the 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 2020-01-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with American Express that is currently on a financial hardship repayment plan, where I am charged lower interest for the period of the plan. 

However, AmEx has been charging me two separate interest amounts every month, instead of just the one, that negates the purpose of being in this program. 

When I asked why, they made excuses about expired promotional balances but refused to comment on how this was in-line with my repayment program. 

I should not be charged these two separate interest amounts while in the repayment program ; otherwise, what is the point? This is deceptive and wrong. 

My entire balance should be subjected to the same lowered interest rate while in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$9300.00} Open balance XXXX XXXX XXXX XXXX   Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/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
Consumer complaint received 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
American Express Global Collections, Like many, at the onset of COVID-19, I was let go from my place of employment. We are barely able to keep a roof over our heads, food on the table, and keep essential utilities connected. 

1 ) American Express sent me several emails offering varied methods to pay off my remaining debt, and I responded. My first response email stated I wanted to take advantage of said offers. I informed American Express Global Collections that I am unemployed, actively looking for work, and scheduled two interviews, indicating the companies. The following email I received from American Express Global Collections was that they had received my email and have forwarded my email to a specific department ( the name of the particular department was not provided in the email ). I never heard back from the unnamed specific department American Express Global Collections had forwarded my email. 

2 ) A few weeks later, I received another email from American Express Global Collections. They were again informing me of the same repayment options that were mentioned in their first email. However, this time, I had accepted a job offer with XXXX, but I did not start my new position of XXXX XXXX XXXX  XXXX XXXX position until XXXX. I sent American Express Global Collections a response email, indicating precisely what I stated above in this complaint - informing American Express Global Collections that I do not start my new job until XXXX. After I receive my first paycheck, I will pay off the account in Full ( one lump sum ). American Express Global Collections responded to an email, saying the same thing as mentioned in number one ( 1 ) of my complaint- stating they will forward my newest email to the same unnamed department within American Express and follow up with me. Again, the unknown department within American Express did not reach out to me. 

3 ) Shortly after the second set of emails with American Express Global Collections, they sent another email - unrelated to the two previous sets of emails mentioned in number one ( 1 ) and number two ( 2 ) of my complaint. The third email from American Express Global Collections informed me that my account had been assigned a Debt Collection company called XXXX XXXX XXXX XXXX ( XXXX ). 

4 ) XXXX XXXX XXXX XXXX ( XXXX ) sent me an email today, XX/XX/XXXX, at XXXX XXXX, attempting to collect the said debt. 

I don't understand why American Express Global Collections sent my account to a third-party debt collector when it was evident that I would be paying off my debt in Full, in One Lump Sum, as a XXXX XXXX XXXX XXXX XXXX  after my first paycheck with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
The company reported that I did not pay my payment in XX/XX/XXXX Which I have proof that I did. It also states that it was part of my bankruptcy which it was not. I have been paying on the car. Lease is up in XX/XX/XXXX. Now the company states that I did not pay XX/XX/XXXX bill. Which I did and have proof that I did. They put a negative payment on my credit report. Reported this to company and credit report but it is not getting resolved.

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 2023-07-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my Annual Escrow Analysis on XX/XX/2023. My lender, Navy Federal Credit Union advised the amount applied to escrow needed to increase to satisfy the anticipated escrow disbursements for the following year. The amount quoted was {$2000.00}. I was given the option to pay that figure in full or pay the amount over a 12 month period with an increased monthly mortgage payment. The new payment schedule was to begin on XX/XX/2023. 
On XX/XX/2023, I paid the full escrow " shortage '' of {$2000.00} in addition to my regular monthly payment of {$1500.00}. Navy Federal mailed a new monthly mortgage invoice on XX/XX/2023 acknowledging the additional escrow payment and my regular monthly payment but still noted I was due to make the increased monthly payment of {$1800.00} on XX/XX/2023. I called Navy Federal on XX/XX/2023 and requested explanation for the increased payment. If I have paid the escrow in full, there should not be an increase of my monthly payment. The representative could not provide any other explanation other than, there are other fees they account for that may need to be paid. I asked for examples and she provided only " if '' a special tax assessment is made. I explained those are sent to the homeowner and not the mortgage company. I also asked for the correct escrow amount as I did not want my payment to increase. She could not provide that amount but also did not offer to return the additional escrow payment. I requested a return call from a manager or supervisor. As of the date of this complaint, I have not received additional communication from Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Since the start of the pandemic unemployment claim, that my son 's father made before he asked my permission, I was awarded and retrieved the card from XXXX, who is my common law husband. I finally got the edd debit card, and it had almost XXXX. Within the first couple days all was fine, until I accidently lost the card. By the time I was able to report it missing the bank of america, who is responsible for all of the money being stolen. I received close to XXXX, according to the edd. Out of that I spent XXXX. So the rest of the money was electronically stolen by the bank at the same times I had my card. I have the bank statements that clearly show all the transaction history. I've made hundreds of complaints to the bank. They are identity theifs themselves at the customer service. And money laundering too. Liars and dishonest and fake ethics and compliance.

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 2023-10-10
Company: EQUIFAX, INC.
State: GA
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief