BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with coinbase LLC to trade crypto currency, I deposited {$300.00} into my wallet on XX/XX/XXXX and waited until it showed a balance before trading. I made a trade then noticed on on XX/XX/XXXX that not only was the {$300.00} with drawn from bank account but an additional {$350.00} had been withdrawn. I then contacted bank and had a stop placed on my account and contacted coinbase who took a day to get back to me and they said I had not had a balance of {$300.00} and thats why they took money from my account, so in total {$650.00} were withdrawn. My bank put back the {$350.00} into my account and I thought all was well but coinbase then put the situation into an investigation and locked me out of my account and I am still locked out as of today, I have nearly a dozen emailssent with no resposne other then we'll get back to you. 
Also the investigation was closed on XX/XX/XXXX. Their phone systems now hangs up on me when I call, no operators or representatives are available to speak to, so I am stuck and real angry and frustrated with them, I just want to close account and withdraw my {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I took a cruise on XX/XX/2023 on XXXX XXXX  on the XXXX I purchase XXXX Art paintings on the ship Within XXXX hours of purchasing the paintings I decided to cancel because the paintings was for my son and he decided he didnt want it cause he lived at the beach and it wouldnt suit this home I opened a Credit Card and he told me its XXXX  months interest free which is only XXXX  months He Also said the paintings were not in the system yet so I had to call and it wont be a problem to cancel. Well they are not open XXXX hours like he told me I called back Monday and they gave me the runaround saying I wont be able to return the painting and I had to pay a Restocking fee of 15 % the paintings were {$8600.00} After talking to several people in the company practically every day XXXX XXXX XXXX XXXX and Team Leader XXXX XXXX and Team Customer Service XXXX and also sending emails back and forth they refunded XXXX paintings and decided to charge me XXXX painting and the amount they billed me was different from the invoice The Credit Card I opened was supposed to be activated and I never activate the Card but yet I received the bill I received the statement and they charged me for the painting which is different from the invoice and {$650.00} for a XXXX  credit Why do they think I would buy any painting from them when I cant even resolve this situation I would like this resolved and I would never do business with them ever I cruise a lot and this leaves me a very bad feeling about this company I also email XXXX XXXX Complain about XXXX XXXX XXXX on the ship This has been going on from XX/XX/XXXX to today XX/XX/2023 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 monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15USC 1681a ( d ) ( 2 ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information to Experian, XXXX and XXXX. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX opened XX/XX/XXXX for amount {$2000.00} I disputed the account multiple times and requested a validation letter to verify information and to delete. My last dispute was XX/XX/XXXX and it came back verified without the information I requested.

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 2023-11-07
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I received a call today in regard to being sued by Americredit. It was in regards to a reposession in XXXX. They did not clarify. However. That was many years ago and they said they can sue me for the total owed which according to them was {$10.00}, XXXX but they said they are asking for {$15000.00}. Also, they said they will serve me at work or home in regards to sueing me. They have left a message on my phone and I called. They have all my information including my social and my birth date. I do not have that money. However, I thought there was as statue of limitations on when a suit can be filed by the county. Please advise. Thank. you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : 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 non-monetary relief
Consumer complaint received 2021-06-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Fiance tht is in the united states XXXX sent me money via check to pay for furniture the bank deposited the check and then said three days to clear an let me borrow XXXX XXXX an then sent the check back to other bank which caused me go incurr a overdraft and now il b evicted and or homeless they r not willing to work with me and neither is social security

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XXXX XXXX. XXXX companies ran my credit without my authorization. 

XXXX XXXX XXXX JPMCB AUTO FINANCE XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per XXXX XXXX XXXX XXXX. XXXX XXXX XXXX of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe XXXX XXXX with FAY SERVICING violated the requirements for a single point of contact on SECTION 38-38-103.1 During the final stages in the process of LOSS MITIGATION APPLICATION. He would not respond to any emails or phone calls, as I tried desperately to get an update of the COMPLETED LOSS MITIGATION FORMS. 
Soon after my home was sold at a FORECLOSURE AUCTION SALE. 
I also believe DUAL TRACKING was used in this process of selling my home while I thought we were working together to stop this auction of my home. 


*I emailed Loss Mitigation Application to servicer on XX/XX/2018 *I received Acknowledgement of additional documents dated XX/XX/2018 ( return due date of XX/XX/2018 ) [ Additional document requested was home and hazard insurance. ] XXXX XX/XX/2018 I purchased the home insurance they required. I sent the proof of insurance documents via email and fax. 


*I received Acknowledgement of completed application on XX/XX/2018. 

*I received Notice of sale. 
It was signed and dated by the trustee Recorded on XX/XX/2018. 


*I received denial of assistance letter on XX/XX/2018. 


*I tried to contact servicer multiple times with no response. 


*Home was auctioned and sold on XX/XX/2018. 

The required amount of time from the completed application to the foreclosure sale date is more than 45 days. Completed application was 76 days before auction date. 

The required amount of time that the servicer should review my loss mitigation application is 30 days, whereas servicer did not answer my emails or calls, then sent a denial letter 55 days later Upon receiving the denial letter I have 30 days or more to respond. They auctioned my house 20 days later with no contact our no chance for me to properly respond by to my denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Self Financial Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Marlette Funding, LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is Pertaining to XXXX XXXX XXXX - THROUGH ITS ATTORNEY, XXXX, XXXX XXXX XXXX, XXXX For - Best Eggs I WAS XXXX. 
Last Payment on my account was XXXX 
Amount due is {$4600.00} Principal - {$4200.00} Annual Percentage Rate - 29.91 % Finance Charge - {$3700.00} Settlement with my consolidation company was round {$1900.00} Total Payment due - {$10000.00} Summons was served NOT TO ME, It was served to my XXXX XXXX XXXX mother with XXXX after harassing her. 
I was never Served. I was out of the country. I have proof. 


MY STORY While consolidating my bills in XXXX XXXX On my credit report I saw XXXX. I called the phone number provided. I was told, this bill came from Best egg. I asked for all signed documents to be E-Mail or Mail to me. XXXX WAS NOT ABLE TO PROVIDE ANY DOCUMENTS. I Asked for Best egg phone number. I called Best egg, They were unable to provided me with any information. They informed me it was with XXXX and I have to contact XXXX. I Called back XXXX and explained. All I needed was proof. They were not able to provide me any Proof. What I was told, I need to pay this bill. I, AS A PERSON I DONT WANT TO PAY A BILL I HAVE NO RECOLLECTION OF. I called VARIOUS times, I got the same answers. I was stuck on eating a bill I have no recollection off. I went to MY XXXX AND CONTESTED - SAYING I HAVE NO RECOLLECTION OF THIS BILL. 
I called my Consolidation Company an removed it from my Consolidation. The settlement was round XXXX at that time with my Consolidation Company. 
ONE WEEK later after I removed it from my Consolidation Company a summon was served to my XXXX XXXX  mother with XXXX on XXXX  IT WAS NOT SERVED TO ME. I was XXXX. Never got proof, Never got any Collection Notice, Never got got a bill, Never got a Late Bill. Never got served. 
I was XXXX. 
According to - XXXXt The statue of Limitation on most death in New York is 3 Years from date of last activity on an account to Sue someone for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-11-07
Company: Rent Recovery Solutions
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : RENTRECOVERY {$2100.00} 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: AES/PHEAA
State: AL
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:
FedLoan Servicing reported to the credit bureaus that my Federal Graduate Plus Loan payment of {$130.00} was due in XX/XX/ 2019 when I am enrolled in an 8-year XXXX  program at a university. I was totally shocked when a credit union gave me this bogus information, today, when applying for an auto loan. No one from FedLoan Servicing has contacted me with this information as I check the website often. I called FedLoan Servicing and the lady I spoke to had this lackadaisical attitude, stating that the information was entered when there was a break after the last quarter. There is always a break before the start of the next quarter -- this is madness. She, also, stated that I should have this information, but discovered that the letter had not gone out to me. FedLoan Servicing was quick to submit a bogus credit report. FedLoan Servicing stated that the information has been updated, but I demanded an answer as to why this was deliberately done. This action of FedLoan Servicing is a violation of federal law. 

There was never a communication to me of this loan being due while I was still in school nor was a monthly payment of {$130.00} conveyed. I am sure FedLoan Servicing is well aware of the quarter system of a university. I am working on my XXXX  which is an automatic deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Shellpoint Partners, LLC
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Mortgage note could not be released in XXXX when we wanted to pay it off. This is because of fraudulent assignments. 
We are asking shell point mortgage servicing to give us a Complete accounting of all fees charged to the escrow account from XX/XX/XXXX through XX/XX/XXXX. This is the time period of only XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: MOUNTAIN WEST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage at the end of XXXX. The management was transferred from XXXX XXXX to Mountain West Financial ( MWF ). I had zero issues in the handling of my mortgage and escrow account when XXXX XXXX was managing, but Mountain West Financial has been nothing but headaches. 

As an overarching note for the below examples, all of these payments were pre-funded in my escrow account, and should have been paid from this account. 

XX/XX/XXXX - I received an overdue notice for my Property Tax Bill from my county. The company representative told me I might be responsible for paying the penalty amount, and that it would be taken from my escrow account. 

XX/XX/XXXX - I received a notice that my Hazard Insurance hadn't been paid and was going to be cancelled. I contacted MWF who told me they freeze all escrow account for 60 days after a new mortgage is taken on. This was never shared with me during the paperwork. They then told me to pay out of pocket for the insurance to prevent it from lapsing. They told me they'd initiate an " escrow review '' so I could receive money from my escrow account that I'd now paid out of pocket. It is now 3 months later ( XX/XX/XXXX ) and I have called back twice to check the status. Each time they mark it as complete, show an overage on the balance, and take no further action. Those are the direct notes that were read back to me from their representatives. 

XX/XX/XXXX - MWF ordered and cancelled insurance on my behalf for the hazard insurance they failed to pay. 

XX/XX/XXXX - MWF put the wrong dates in for my hazard insurance ( expiring in XXXX instead of XXXX ) and sent me another notice that they'd be purchasing insurance on my behalf. 

I have spent close to 8 hours on the phone trying to clean up the mess MWF has caused my accounts due to their terrible mortgage management structure. The representatives have all been very courteous and ( seemingly ) helpful on the phone, but nothing has been taken care of since these issues started arising. It is a perpetual game of " check in with us in 10 days '', only to find nothing has been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: OPTUM BANK, INC.
State: DE
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Compensation in regards to missing funds from XX/XX/2023 to XX/XX/2023 total amount of funds missing was {$1200.00} it turns out XXXX XXXX used XXXX XXXX XXXX third party vendor failed to timely process the funds refunded on XX/XX/2023 and funds did not return until XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I use American Express to the most of charges at my business, and use to pay the balance monthly. 
In XXXX I couldn't pay the total, so I finance {$7300.00}, and pay in full next cicle. 
They Charge {$390.00} wich was fine. 
But in the next cicle even when I paid the full amount of {$25000.00} on time, they still are reflecting {$440.00} So They are charging {$840.00} for just {$7300.00} that I miss to pay in XXXX cycle, that means almost 140 % of interest.

Company response to consumer: Closed with explanation