BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is regarding my BOA Visa Card - XXXX. We frequently receive this very attractive offer for 0 % offer cash for a set amount of time. 

We take advantage of the offer, and still want to use the visa card that ends in -XXXX for purchases, knowing that I have to pay ALL purchases off every month form the prior months statement, with some of the Cash offer being carried for the term. 

Often, Bank of America Visa calculates interest on purchases which is not disclosed as part of the 0 % Cash offer. See attached statements and Letter to BOA regarding paying 100 % of our purchases and NOT carrying balances at all for purchases, in fact we pay off some of the cash offer borrowed earlier. 

We only ask for what's fair and in their favor appears to be {$84.00} that needs to be returned. We no longer use the card for purchases and we think that Bank of America should advise that customers who take cash advances not use their card for purchases unless they want to be charged interest. It does appear to be a mistake, as other credit cards that we have 0 % cash offers with with purchases being made & paid off every month have not had this issue. 

The Advertising offer mentions nothing about using the same card for purchases. Please see attached.

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 2017-06-25
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
At XXXX on XXXX XXXX, XXXX, I initiated an ACH withdrawal of funds ( {$680.00} ) from my XXXXCoinbase account to XXXX XXXX . Previous similar transfers had always arrived within 4 business days, as stated in the XXXX/Coinbase terms. In fact, most had arrived sooner, within 1-2 days. This transfer, however, never arrived at my bank account. It has now been 12 days. The status of the transfer is indicated on the Coinbase website and the XXXX website as " Complete, '' and has been indicated as " Complete '' since at least XXXX XXXX, but the funds have not arrived at my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX Complaint Nationstar/ XXXX XXXX ( formerly XXXX ) I just want a mortgage amount of {$2000.00} and excessive forbearance reduced by 50 % with the my payment of the balance of the excessive forbearance waived for 2 years. 
Working diligently to get an affordable mortgage since XXXX. 
A reason given for not giving a affordable mortgage is excessive forbearance which would could have been prevented if I my income was calculated correctly and I was given an affordable mortgage. 
XXXX XXXX were given our first modification of {$1900.00} which included taxes and insurance, which had an excessive forbearance. We appealed this mount because the income was not computed correctly and should have resulted in a payment of {$1700.00} which we could afford. The income used was {$6200.00} but should have been {$5600.00}. 
My request to review this income calculation sent me through a dreadful cycle of unconscionable modification offers from {$50000.00} up front, my home being vandalized XXXX times ( by mortgage property inspectors ) to the present unaffordable modification of {$2500.00} with a forbearance of {$300000.00}, Just recently I was offered a {$2500.00} modification trial on XXXX/XXXX/XXXX and then was sent modification denial letter dated XXXX/XXXX/XXXX. The {$2500.00} modification trial on XXXX/XXXX/XXXX was for 40 years when I was told the previous modification trial offer of {$3100.00} could not be lowered. 
The XXXX report a Nationstar denial letter dated XXXX/XXXX/XXXX shows my home value at {$500000.00} when the Median price is {$270000.00}. 
The mortgage seems to have been sold to XXXX XXXX ( I was not notified ). XXXX XXXX filed a XXXX/XXXX/XXXX foreclosure which came to my attention from a XXXX foreclosure/modification advisory notice. 
I hope I can get The Bureau to help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
a lot of information on my credit report is invalid on my Experian credit report. I am interested in disputing all incorrect information to help clear my file.

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 2018-02-05
Company: LendUp Loans LLC
State: IL
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:
did not authorize credit inquiry

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 2023-01-11
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XXXX of XXXX  I did two money transfers via Western Union XXXX XXXX. Both transfers failed, so the Company promised me they will refund the money. Those refunds to date havent yet been made, even though the dates set by the Company for this to occur have already been met. On the attached pdf file you may see the Company emails, where they set the dates for the reimburses to be met. Having asked my bank about this they tell me they havent received the reimburses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Student loans on my credit reports for XXXX, Transunion, & XXXX showing at= late or negative mark on XX/XX/XXXX. I rehabilitated the loans in XX/XX/XXXX. No negative marks should be showing after rehabilitation of the loans.

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 2018-10-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
American Education Services , INC, has serviced my consolidated loans, which prior was XXXX XXXX XXXX. The lower interest rate offer is for direct payment XXXX from an authorized checking account since XX/XX/XXXX and after a year of on-time payments the percentage rate was decreased to 3 %. From XX/XX/XXXX-XX/XX/XXXX there has been automatic on-time payments. I traveled for my brothers wedding in XX/XX/XXXX where an unauthorized transaction caused my account to overdraw and my overdraft protection did not cover. I made the payment as soon as I was made aware of the situation 22 days later and called AES Inc. The account was reflected as up to date and current. They continued to draw payments from my account. My XX/XX/XXXX statement shows that my rate went from 3 % to 4 %. When I called AES, they would not discuss my rate being returned to the 3 % rate and offered to send me a copy of the promissory note. The promissory note did not show the original terms of the agreement. They have increased my rate without an explanation and exact verbiage to show that the rate would increase. The letters they showed me does not discuss the details only an increased rate to 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received letter dated XX/XX/XXXX regarding debt. 
XX/XX/XXXX - Mailed letter back asked for evidence the debt was already taken into consideration both medical insurances.XXXX - XXXX left someone else a message about the debt I owed. The message said " If your not XXXX hang up '' but no message should have been left about an attempt to collect a debt. 
XX/XX/XXXX - the person left a message for XXXX that it was not allowed for this type of message to be left. 
XX/XX/XXXX - XXXX called this person back. The person explained he can not contact them again and should never be leaving a message that he is attempting to collect someone else 's debt on voicemail. 
XX/XX/XXXX - Date on letter was XX/XX/XXXX ( this one marked confidential ) stating XXXX was unsure if insurance was used and to send additional details to research. 
XX/XX/XXXX - Date on letter was XX/XX/XXXX ( again marked confidential but first letter was not ) and provided evidence both insurance were used. The detail provided also indicates HIPPA information of " basic life support emergent and ground mileage '' XXXX - Debt was paid online with reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: NV
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:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : US XXXX XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, I received a letter from my mortgage company, XXXX, that my loans will be transferred to Nationstar Mortgage ( My loans have been transferred twice since my refinance in about 2-3 years ) and that I need to send my XX/XX/XXXX payment directly to Nationstar. My monthly payment of my primary resident is {$1400.00} including principal and interest ( fixed at 3.5 % ). I sent a payment of {$3500.00} to Nationstar Mortgage, specifically indicating on a payment voucher that {$2000.00} should be applied to principal in addition to principal portion of {$1400.00}. 
Nationstar Mortgage assumed without looking at the payment voucher that {$3500.00} was a 2 months payment. They deducted 2 interest payments of {$680.00}. 
I called Nationstar on and spoke with XXXX. She could not answer what I was questioning. XXXX put me on hold for several minutes and came back on the line and told me that she spoke with her supervisor and supervisor advised her to tell me that it was an computer error and reassured me it will be corrected. I received a statement from Nationstar for XX/XX/XXXX payment. DOES NOT show any adjustments!! 
I called Nationstar again and spoke with XXXX. Again, XXXX could not give me an explanation. I demanded to speak with a supervisor. After being on hold for few minutes, a man named, XXXX, got on the phone who claimed he was a supervisor. When I inquired about the situation, XXXX said he already has been adjusted back on XX/XX/XXXX that he was looking right at it on his computer. Okay. I then asked him after looking at my XX/XX/XXXX statement, the difference in amount where XXXX claim it was adjusted. He could not answer me. I asked him to email my account history, which XXXX was looking at. He said he would. I sent via email and regular letter to Nationstar demanding that they send me a complete account history within 5 days. I HAVE NOT received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Company failed to validate debt and prove a contractual agreement. Several rights were violated. The debt is not mine. I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2017-06-25
Company: ARC Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received anything from this company but it 's on my credit and dropped my score  XXXX  points

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 2022-11-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-05
Company: Mutual Management Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The creditor attempted to collect a debt. I am requesting that under 609 FCRA the collection company or creditor present an original contract with my signature on it evidencing that it has a right to collect. The original contract is crucial to the creditor 's right to collect on the alleged debt. I do not owe the creditor nor do I owe the collection company the debt they are trying to collect. This is an XXXX company who under Florida law must have a signed lease evidencing whether the landlord has a right to collect up to the early termination fees or not. The creditor nor collection company has provided this information to the credit bureau nor to me. I am demanding that the collection company and the creditor cease collection on this account immediately and that it be removed from my credit. It has damaged my credit and my ability to obtain housing. Collection company is Mutual Management and the Creditor is XXXX  ( XXXX XXXX XXXX  XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 a victim of identity theft and have been a victim of identity theft for over 11 years. There are 2 credit card accounts and 3 credit inquiries listed on my Trans Union, XXXX and XXXX credit report that are fraudulent, unauthorized and do n't belong to me. The following credit card accounts and credit inquiries are fraudulent and unauthorized : XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX, balance {$1500.00}, XXXX XXXX : XXXX, XX/XX/XXXX, balance {$1000.00}, The following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX, XX/XX/XXXX , XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/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 2022-11-18
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: Investigation took more than 30 days

Complaint:
mailed to XXXXexperian and I asked for a verify/and or validate this alleged debt owed to XXXX XXXX  also requested the contract and signature that I provided to XXXX XXXX ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2017-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on X/XX/17 there was a landscaping company at my house. They had issues completing the landscaping per the design, and I asked them not to show up any more. They charged my USAA credit card in the amount of {$2200.00} and he advised me that he ( XXXX - the Superintentent on the project ) would just sign the iPad for me. I advised him he is not authorized to sign on my behalf. The credit card charge was processed, and charged to my account. When I asked USAA about the charge they opened a fraud case, they asked for a bunch of information, one of which being a quote from a landscaping company to resolve the issues. Its XX/XX/XXXX and we 're in the middle of landscaping season and all the landscapers are busy. I could n't get a quote done. While I was trying they closed the case and said that there was no " billing error '' that happened. When I called to inquire they advised me to submit a letter, and file a complaint here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation