BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I

had opened my account with XXXX on XX/XX/2017 and did few transactions until XX/XX/2018. After that they took my access to deposit or withdraw funds error showing " Sends and receives are disabled for your account. To enable these features, verify your account. '' I have already verified my account by providing all the required details and they have been telling me that our supervisor will review you case before we give you the access and its been over 4+ months starting XX/XX/XXXX that i haven't received any email or phone call from the company. I have called them over 7-8 times for the same and they tell me to wait, I have their emails mentioning i will receive a call or email from their supervisor in order to get the access. There are so many similar complaints against this company and they have blocked millions of dollars for other consumers too. I was surprised to hear this when i called them on XX/XX/XXXX that they claim they have sent me an email to verify identity which i claim that i haven't received and told them to send me again because even my account says my account is already verified which i already did on the XX/XX/XXXX. I told them have been following my case from months and nobody told me to verify my ID, everytime i call i have been told to my case is pending reviewed by supervisor and this time they told me i have to reply to the email which i never received and i told them to send me again and they say there is no way to send the email again which means i wont be able to get access to may account ever as according to them it was computer generated and can not be generated again. After having heated argument they still say there is no way to send the email again but the fact is my account is already verified and i have supporting documents for the same. I have been trying to sell my virtual currency from the past 4+ months and it has been depreciating since then and i am unable to make any transaction, Please help me my portfolio value has drastically gone down i have lost a lot of my saving because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I looked on my credit report and noticed that I had a debt of {$2800.00} a debt that I never had any idea I owed the company that put this on my credit report has never written me nor called me. This information is incorrect the last letter I got was a bill for {$32.00} so now I have another bill that I have never received the company closed down and I have not heard from them since. I am disputing this bill for I have never received any verification other than {$32.00} I can not pay a bill if I have never received it I request for this account to go back to the original creditor and to reverse this charge as debt created with no notification to pay it how can anyone pay something when I never received the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance in XXXX with paying {$500.00} application fee. It is almost 5 months but they have not processed my application.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: DISCOVER BANK
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX SC XXXX ] [ Date ] [ DISCOVER BANK ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX UT XXXX ] Subject : Dispute of Inccurate Information Under 15 USC 1681b and Request for Blocking Under 15 USC 1681c-2 Dear [ XXXX XXXXXXXX ], I am writing to formally dispute inaccurate information contained in my credit report, as permitted by the Fair Credit Reporting Act [ FCRA ], specifically under both 15 USC 1681b and USC 1681c-2 . This dispute pertains to the information reported by your agency under the permissible purposes outlined in 15 USC 1681b, as well as my request for blocking information related to identity theft under 15 USC 1681c-2. 

I recently obtained a copy of my credit report from your agency and have identified the following inaccuracies : Account Name : [ DISCOVER BANK ] Account Number : [ XXXX ] Date of Reporting : [ XX/XX/2023 ] Description of Inaccuracy : [ Describe the inaccuracy, such as incorrect balance, late payment account status ] Under XXXX XXXX XXXX, consumer reporting agencies must ensure that the information they report is used for permissible purposes only. I am disputing the accuracy of this information it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b.

Additionally, I suspect that this inaccurate information may be a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. 

Enclosed with this letter, please find copies of supporting documents that demonstrates the inaccuracies in the information being reported. These documents include [ list any documents you are attaching, such as payment records, correspondence, or statements ]. 

I request that you promptly investigate this matter in accordance with both 15 USC 1681b and 15 USC 1681c-2 and provide me with a written notification of the results of your investigation, including any corrections made to my credit report and actions taken under 15 USC 1681c-2 . 

Failure to comply with these legal requirements may result in further action to protect my rights under the FCRA. 

I appreciate your immediate attention to this matter and expect a timely resolution. You may reach me at [ XXXX ] or [ XXXX if you require any further information. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint recently that was closed after receiving feedback from Compass. The statement related to when the AG 's office made my past deposits available is false. I've attached both the dates cited by Compass and the dates published in my account on the Texas AG 's support portal. You can see a standard 2 business day delay. I've also attached the email response I received from the AG 's office stating that they make the funds available on the day  deposited. To clarify the timing cited by Compass as  starting in XX/XX/2018, I had 2 checking accounts with them for a few years to separate business income. I recently closed one of  those accounts ( ending in XXXX ) and moved the direct deposit to my current account ( ending in XXXX ). 

For easy reference, my original complaint : My child support payments are issued by the Texas Attorney General via direct deposit twice monthly. I have confirmed with them that the funds are released immediately. There is a standard 2 business day hold on the funds being released by BBVA Compass. The AG 's office posts deposit dates in my account on their website ... if the deposits are made on a Thursday, I don't receive the funds until the following Monday. If the deposit is made on a Tuesday, I receive the funds on Thursday. I have raised this issue with them several times, both via email and on the phone. I've had customer service representatives confirm that they can see the funds pending and they will be available tomorrow. I have also had them tell me that they do not see the funds pending, although the AG 's office shows they were deposited. I have tracked this 2 business day hold for almost 2 years now, as it has caused me significant expense in overdraft fees with Compass. I have read the FDIC rules related to ACH and direct deposits, and I believe Compass is not following them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
US Bank is making the process for creating automatic payments ( 'AutoPay ' ) for auto loans unduly and exceedingly burdensome, in what seems to be an effort to make more revenue from late fees at the expense of the consumer 's credit score. 

On XX/XX/2022, I got an alert from XXXX XXXX that my nearly perfect Credit Score had dropped by 32 points because I had missed a payment. I raced to my computer, pulled up XXXX XXXX, and was befuddled to see US Bank making a hit against my credit report. 

I immediately signed in the my US Bank account and was bewildered as I was sure I had set up automatic payments. As a busy startup CEO, I sometimes forget the details as I'm making life-and-death business decisions on a daily basis. But, much to my surprise, AutoPay was not turned on. My mind then raced to 3 months ago when I was in the same predicament, and realized I could not turn on US Bank 's AutoPay at this time due to owing a payment. Which is -- odd. Being a programmer by trade, I knew this wasn't a technical issue Memory coming back now, three months ago when this happened, I ended up getting so frustrated I made a {$5000.00} payment just so I wouldn't have to deal with it until after the Holidays. Well, here we are. No AutoPay, late fees in hand, plus negative 32 points on my Credit Report. 

US Bank does offer a way to download a PDF and manually put in your AutoPay information, mail it back to them, and hope that they start deducting payments on time. But when you try to actually click on the link for this PDF document, it is error 404, which is the most common error in HTTP -- a missing file. After calling US Bank and alerting them of this fact, they simply told me to try again in a few days. 

It almost feels like these series of unfortunate events were purposes set up to take advantage of those who are busy, forgetful, or unable to print PDF documents -- for the sole purpose of making more revenue off consumer fees. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I set up a pay agreement w/Portfolio Recovery Associates, LLC XX/XX/XXXX, ( collecting for XXXX XXXX XXXX  XXXX, XXXX ) Account number ending in XXXX. Portfolio acquired the acct XX/XX/XXXX. Anyway, pay agreement was : 12 pymnts of $ XXXX biweekly to withdraw from my checking account on a Wednesday or Thursday. Due to I get paid at a specific time of the day. Total {$240.00}.

PRA ( Portfolio Recovery, LLC ) stayed committed to the agreement until the very last payment. I contacted PRA between XXXX to request to submit my last pymnt a different way because I had changed bank accounts. I was informed then that the last pymnt request had already been submitted. My response was, Why would you guys do that, when its set up to withdraw after my payroll check direct deposits anyway? Regardless, if I did change banks? 

Thats when I checked my account to see they attempted on XX/XX/XXXX, I received a return check charge {$35.00} ... XX/XX/XXXX, then my pay agreement was cancelled XX/XX/XXXX. Not to mention PRA shows the last pymnt was XX/XX/XXXX, per my XXXX XXXX XXXX checking shows XX/XX/XXXX. 

I contacted PRA again to see a balance as if they had NOT received a dime from me. They responded as if I wanted to set up a new agreement. First of all, I never OWED a debt of any kind to Portfolio Recovery, LLC. Why would I set another agreement with them after the stunt they pulled? Like, people dont have lives and want to give money to collection agencies? Be serious. Under no circumstances will they receive anything from me. 

They have the audacity to CHANGE their payment plans since and have fair and affordable flexible plans on their website. Theyre affordable, but fair to whom? Their own pockets? 

I do not care what acct they acquired with my name, I never owed PRA, I will not pay any balance they decided to attach to my name. So they need to pass the acct right back to XXXX XXXX. Do not call me or notify me of any balance in writing. I submitted a Cease & Desist letter a long time ago, prior to the agreement. They also need to remove any tradline they have from all 3 credit bureaus, XXXX XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
Attached are two statements from XXXX and XXXX of XXXX. At the bottom of the statement it says total paid during Bankruptcy in XXXX was XXXX and current amount due was XXXX but the next statement says total paid was XXXX and amount due was XXXX. How did the amount increase that I owed? Again I am asking according to the freedom of information act related to your servicing of my mortgage loan. Truist/ SunTrust Mortgage INC. is asserting I was in Default in XXXX and was involved in loss mitigation. I will need a copy of any and all documents concerning this. I need a reproduction of paperwork that was sent to XXXX XXXX my former bankruptcy attorney or myself a complete list of everything that was sent concerning my bankruptcy. I dispute that I was ever in default and that I was on XXXX relief. I also am asking for you to please provide the following information the monthly principal and interest payment, and monthly escrow payment for each month since and including XXXX of XXXX. The total unpaid principal, interest in escrow balances up until today. List all fees, cost, charges, and expenses that have been added to my account since the origination of the loan. All of the fees, cost, charges, and expenses that have ever been added to my account, please list the amount, purpose, payment date if any, and recipient. List by amount, purpose, payment date, account name and account number for all and any mortgage payments which were credited back to me. I also request the person 's, the dates, of all my payments. When the person checked or adjusted. The account statement that you sent does not reflect any of this if there are any codes included in the information that you sent, please attach a complete list of all codes and provide a short description of each code in plain XXXX. I am asking for copies of any notices or arrangements made between Truist Financial and myself included not limited to Lost mitigation concerning the possibility of behind payments and the potential foreclosure.

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 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: GA
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:
RE : Dispute of XXXX XXXX Account # XXXX I am writing to you in response to the notification dated XX/XX/XXXX, regarding my previous dispute for the above-mentioned account. Despite my numerous attempts to dispute this information, the inaccuracies continue to persist on my credit report. 

Following your agencies ' reinvestigation, the report still contains inaccuracies. Even after you received my previous dispute ( please see the attached document ), two differing dates of last activity remain on my consumer report - Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. 

Moreover, after reviewing the alleged updates from your agencies today, the payment history on the account is reported differently by both agencies. Experian reports my account was 30 days late in XX/XX/2018, 60 days late in XX/XX/XXXX, current in XXXX and XX/XX/2019, 30 days late in XX/XX/2019, 60 days late in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. Conversely, XXXX reports that my account was 60 days late in XX/XX/2018, 90 days late in XX/XX/XXXX, contains no data for XXXX and XX/XX/XXXX, was 60 days late in XXXX XXXX, 90 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX. 

This continuous reporting of inaccurate information demonstrates that your agencies did not conduct a reasonable investigation and are non-compliant and negligent pursuant to 15 USC 1681n. The inconsistent data supplied by the furnisher is clearly unreliable.

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 2022-12-27
Company: United Shore Financial Services, LLC
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:
***3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, UWM responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which UWM rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because UWM 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask UMW to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from UWM and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NOT A DUPLICATE Amerisave incorrectly established the opening mortgage balance on my loan and, in addition, has not accurately posted a payment to my mortgage balance. 

On XX/XX/2020, my wife and I settled a mortgage with Amerisave. The settlement included a payoff to the outstanding mortgage of {$330000.00} and other charges/impounds/fees of {$18000.00} for a total amount borrowed of {$350000.00}. ( See Settlement Statement.pdf ).

Amerisave established the mortgage on their online serving website with an opening balance of {$350000.00} and a opening interest payment of {$260.00} for a total opening amount of {$350000.00}. ( see Loan History.pdf ) The online amount includes an additional {$31.00} ( {>= $1,000,000} - {$350000.00} = {$31.00} ) that was not included in the Settlement Statement. ( See Mortgage Reconcilliation.xls - Part 1 ).

In addition, Amerisave did not correctly apply my payment of {$3000.00} ( Check # XXXX ) in relation to my XX/XX/2020 mortgage payment. 

Amerisave claims that this payment was included prior to the establishment of the balances on their mortgage servicing website ( see Draft DMI.doc ). The reconciliation detailed above shows that the loan amount from the Settlement Statement equals the opening balance on their mortgage servicing website ( except for an unreconciled {$31.00} ). Therefore, Amerisave did not correctly apply the amounts from my Check # XXXX - or the opening balance would reflect this reduction in principal. Since the opening balance does not reflect this payment but rather the opening balance ties back to the original Settlement Statement, the Amerisave records demonstrate the payment was not applied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation