BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-15
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I was transferring XXXX lite coins which is {$4500.00} to a Coinbase Wallet. When I selected the XXXX wallet to copy the address, Coinbase gave me with this wallet address XXXX when I later discovered the correct address they were supposed to provide was XXXX. Instead of Coinbase rejecting the transaction they sent funds to When I sent the funds to the wallet I never saw them appear. So I did another transaction for {$500.00} and this one appeared. I immediately reached out to Coinbase and the only thing they would tell me is that my funds could not be recovered. I am able to view the funds to an address XXXX no one owns and continues to tell me that my funds are lost forever. Coinbase has since rejected my emails when I question what will happen to the funds in the wallet if they are never claimed. Block transaction is XXXX. XXXX is actively stealing from consumers and something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Opened account XX/XX/XXXX paid 1st Bill XX/XX/XXXX for XX/XX/XXXX they recd XX/XX/XXXX per cc. 
XXXX bill paid XX/XX/XXXX for XX/XX/XXXX they recd XX/XX/XXXX per c/s. 
XX/XX/XXXX I called to find out about bill pay electronic pay per customer service they do not offer that. 
Asked for charges to be taken off. Mail may be late from COVID-19 Per conversation. 
Talked to on XXXX XXXX/XXXX/XXXX  XXXX sent request for Comenity Bank to look into I sent Bank information showing the payment was sent in plenty of time. Still have not heard back regarding interest charge. They did send letter regarding late fee they said on the phone 1st call they would be crediting. 
XXXX talked with XXXX/XXXX  XXXX Talked to XXXX at My bank said it went in plenty of time only reason would be COVID-19 maybe held up. Not sure why. 
I deducted interest & late fees & notes it in memo. 
XX/XX/XXXX talked to XXXX/XXXX  supervisor? 
XX/XX/XXXX talked with XXXX/XXXX  tried again to get help no avail. I ALWAYS ALWAYS Pay in full on every credit card. I have tried to explain they want nothing to do with helping me. They will not let me talk to higher ups also when I have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I look at my credit report, and seen this company had a collection under my name. 
I attempt to contact the company to get information and why a collection is under my name. The company provided me a website and that is where I got the acct. number from the website. I sent them a letter XX/XX/2020 at XXXX XXXX providing information with my acct from the website they provide. www.icsystem.com. The company sent me a letter stating they didn't have any information to provide, so why do I have a collection under my name with company if they claim I don't have an acct. with them.

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 2021-08-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my credit card to pay for an order with XXXX. I thought I used the wrong card so I called to cancel/dispute the charge. The charge was reversed and the money went back onto my card but then someone at suntrust sent the money again without my authorization. I had sent the money using a different suntrust account. So alibaba got paid twice. XXXX is saying the case is still open and suntrust just needs to get the money back on their end. The charge back is frozen. suntrust is saying the case is closed there is nothing they can do. This total amount of charge back is {$6300.00}. That is a lot of money that I have been missing since XX/XX/XXXX, XXXX case # XXXX and case # 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 2020-06-26
Company: JPMORGAN CHASE & CO.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am sending a new complaint because I can not tell if Chase is saying my re-dispute was valid even though the merchant never replied to my bad quality of service letter OR if my re-dispute is valid because I missed the time frame of getting the re-dispute letter to Chase. I am attaching the Chase letter they sent me on XX/XX/XXXX which doesnt say I missed the deadline but I am told from 2 supervisors on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX that I missed the deadline to re-dispute on time. I received a letter on XX/XX/XXXX saying my charges on my dispute was valid. I mailed a re-dispute postmarked on XX/XX/XXXX and Chase signed for it on XX/XX/XXXX. I called Chase on XX/XX/XXXX and XX/XX/XXXX and not once did Chase let me know when I needed to have my re-dispute sent by a certain time. In fact, XXXX told me XX/XX/XXXX and XXXX told me its 12 calendar days from XX/XX/XXXX was when they needed it by, both are different days. XXXX told me they wouldnt even know when it was due by till I sent the re-dispute, that doesnt even make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX   XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}

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 2021-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Freud, I XXXX XXXX am a victim of identity theft from what I know since XX/XX/XXXX there has been many soft inquiries that were not made by me up to and possibly further of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX  violated 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 explanation
Consumer complaint received 2018-06-27
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A debt collection company, NCB Management Services, somehow got a hold of a relative on XX/XX/18, after I had already spoke with them on XX/XX/18. They provided my relative with information that should not have been provided to them. They told them that they were trying to contact me for a debt collection and even provided them with the amount of the collection and what it was from. This information should not be provided to anyone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called u and disputed the account but no response received from you till now and u are calling me like XXXX if you can not validate the debt remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Request for loan assistance denial Selene Loan # XXXX XXXX XXXX RE : Property Address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Selene Finance is engaging in Mortgage Service Abuse, Unfair Business Practices, BREACH OF IMPLIED DUTY OF GOOD FAITH AND FAIR DEALING, VIOLATION OF B & P CODE 17200 ; Dealing in Bad Faith with deceptive and misleading practices. 

Selene issued the attached denial for loan assistance by XXXX XXXX for her home at XXXX XXXX XXXX XXXX, CA XXXX dated XX/XX/2022. 

The letter states Below are the loss mitigation programs for which you have been evaluated, along with our determination of your eligibility. 

There is no indication in the attached denial that the borrower was reviewed for any home retention programs available. Please provide a document that shows all types of modification programs Selene Finance offers, or that this Investor has offered. 

We demand that Selene Finance and this Investor provide the NPV inputs, income and property value used, and the method used to calculate these values for all scenarios in this denial. 

Furthermore, the homeowner is offering a good faith payment of {$15000.00} to lower the principal balance to achieve an acceptable PITI payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX has placed 2 inquiries allowed by someone else. This bank operatess out of nevada i do not do online applications and i do not need any loams or card not have i applied.i got a letter from XXXX XXXX my info was compromised. I advised company to remove inquiries and never enter my social into my their a Database. This govverment complaint was also requested by company. One inquiry was XXXX. One in XXXX  Company adress is XXXX XXXXXXXX XXXX XXXX XXXX  nv 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 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello, First of all, thank you in advance for your assistance and help.

Purchased a used SUV from XXXX XXXX on XX/XX/XXXX with a cash down payment of {$10000.00} and a loan from the Bank for {$29000.00} which included an extended warranty $ 5,500+ ). 

After a careful reconsideration, we decided to cancel the extended warranty so visited the dealership on XX/XX/XXXX and told them to cancel the extended warranty and they agreed and assured me that they will cancel the warranty and refund the Bank. 

Almost 5 months later, on XX/XX/XXXX, while checking the balances online for the loan, I realized that there has not been a deduction of the $ amount for the cancelled extended warranty. So I called the Bank and explained my concerns and asked them if they had received any information regarding this matter from the dealership. The Bank had replied that they have never been informed as well as refunded and told me because the dealership had never refunded the money, I have been paying additional interest for the monies I did not have to. 

Tried several times for all day for two days to contact the dealership including the gentleman who had helped me with the loan and the sales manager without a luck.

This has been one of the most frustrating moments and experiences in my life and feel like I have been cheated. 

Please review my case and assist me in resolving this case. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Since XXXX I have my credit being reported to Equifax from all my creditors, but Equifax refuse to update everyone of them, on XX/XX/XXXX and on XX/XX/XXXX after innumerous calls I decide to use CFPB to se if Equifax would get things write, but still not working, the excuses from Equifax to my requests are ridiculous. After sending copy of the IDS and proof of citizenship Equifax still not report the correct name on my report or updated the information the creditor has being sent. 
On XX/XX/XXXX we asked why the name was not being accepted in the system and Equifax answering saing i'm not a resident in the usa for at least 10 year and have no social security number. 
In attach is copy of my Id 's including SSN and proof from some creditors that i'm a usa resident on the past 42 years, and also copy of the XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Messerli & Kramer P.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in XXXX about the debt and paid it, the company has repeatedly called me since XXXX wanting the money. I emailed repeatedly asking them to stop because the debt was paid in XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021, I received a letter from Blitt and Gaines PC dated XX/XX/2021 stating that the debt has been retained by XXXX XXXX  so I responded to a letter requesting for validation of debt respectfully. I have asked for this info : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe you ; -Provide me with copies of the original instrument of indebtedness that show I agreed to pay you ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

but I never received any of these. Also, the amount they said I owe is different from what's on my credit report if it is the account they are talking about, still I want it to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
It Started on XX/XX/2018 ; When the initially on signing VA mortgage loan note from Freedom Mortgage Company taken ownership to a real estate property in the area that I am now residing, until XX/XX/2018, When I asked my insurance company that I asked to have my statement to send to me personally, in XX/XX/2018, this company, named XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX for the amount of {$110.00}. This caused a mess in all the situation. but first it was the Mortgage Co. At first the mortgage stated, " that I had to come up with the first installment to my home owners insurance., In which I signed a paper stating that the mortgage company had to pay to them.

All Said and done lost my discount price to the home owners insurance from {$22.00} to over {$59.00}. 
.

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 2018-06-11
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
My husband XXXX XXXX passed away on XX/XX/XXXX. He used a Barclay credit card to pay his monthy fees to XXXX XXXX XXXX. On XX/XX/XXXX Barclay closed his account and sent his payments due to a collection agency. 

On XX/XX/XXXX I allowed a check of {$700.00} to a collection agency named XXXX XXXX XXXX XXXX XXXX to make a payment to Barclay Card to pay XXXX XXXX XXXX for fees due for XX/XX/XXXX and XX/XX/XXXX. 

As of this date, XXXX claims they never received any payment from Barclay for {$700.00}. When I spoke to Barclay they would give me no information but to say the account was closed with a XXXX balance and if I had a problem then I would have to call XXXX XXXX XXXX. 

When I spoke to XXXX XXXX XXXX they said they sent the money to Barclay. 

This has been going on since XX/XX/XXXX and at this time I can not book any time with XXXX and I can't OPT.. out of the program called Ovation until this bill is paid. PLEASE HELP!

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 2019-01-03
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
For the last 60 calendar days, Discover Bank has held my money hostage by blocking my phone number. This has prevented me from closing my account since Wire Transfers require voice verification by their policy. 

The reason for my number being blocked is a malicious and vindictive response from Discover Bank executives due to my filing of a complaint with the XXXX XXXX XXXX for their customer service management team. 

I alerted the XXXX CFPB, and CFPB Ombudsman and none of them addressed the concern. The CFPB Ombudsman never even answered the phone since his service always goes to voice message. 

I am alerting you of this issue and I need immediate resolution so I may begin to transition my active accounts out of Discover Bank 's system this month and ensure no impact on my credit score, accounts payable, and accounts receivable ... since it is the malicious intent of Discover Bank executive office to harm all of these. Again, I alerted the XXXX, CFPB, and CFPB Ombudsman of all of these concerns and they allowed Discover Bank to issue canned responses with NO reference to the clearly stated complaint. 

I need you to interfere and instruct Discover Bank to allow me to transition my funds out by wire transfers within the next 2 months to ensure no impact on my credit score,  accounts payable, and accounts receivable. I have no way to contact Discover Bank by phone which is the only way to wire transfer my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX today XX/XX/XXXX I received a notice via email as I am a member of XXXX XXXX that my credit score had dropped. I looked into it had gone down 72 points overnight. This is very upsetting and I researched further I have disputed a collection it was decided I am responsible it shows as a new collection and also I have an inquiry this is all. I called transition and the customer service rep I spoke to was less than helpful. I am beyond upset I'm working very hard to establish credit and 72 points is a huge hit. I called XXXX XXXX and hope they will help. but I am reaching out because I believe in helping myself. What can I do now?

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 2018-01-26
Company: Servis One, Inc., Titusville, PA Branch
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed with CFPB on this already Case Number XXXX. 

I received an email today stating the case was closed because the Lender responded. The response was they have taken care of this matter. 
They have done NOTHING! I have still not been reimbursed. I have been lied to over and over that the check has been mailed. 
My insurance company still has not received any money from the Lender. 
This is ridiculous. I have spoken with every supervisor and customer service person there and each one of them tells me a different story. They have blamed the previous lender which is crazy as the previous lender sold the loan on XX/XX/XXXX and the Insurance payment was not due until XX/XX/XXXX. 
They told me they would send me a check. They did not. They told me the check would be sent to the Insurance company and was already cut..it was not and they did not send anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two bank accounts was opened in my name without my consent. 

XXXX XXXX and TD Bank approved the accounts to be opened without my signature

Company response to consumer: Closed with non-monetary relief