BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: OH
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:
Account : XXXX/XXXX  # XXXX I have never been late on this account. Please provide physical proof of late payment. Please method of verification of late payment on the account. I would like to know the steps involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: TN
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 have contacted and notified all parties involved : ( XXXX, Equifax, XXXX, Us Dept Ed, and Dept Ed/XXXX  ) of these fraudulent account ( s ) reflecting my credit report.US DEPT ED {$7100.00}, US DEPT ED {$4100.00} and DEPT ED/XXXX {$5900.00}, XXXX XXXX {$3500.00}. I have continued to receive the same frivolous responses from all parties involve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My account is locked with Coinbase. Whenever I try to logon it asks me for identity verification and when I upload my driver 's license, it says the photo ID doesn't match because it just picks last name and middle name from the driver 's license. And my name on the account is First name, Middle name initial and last name. 

I called their customer support and they keep telling me that case is in the queue and specialist will have to look into it. It has been more than 2 weeks and the account is still locked. Every time I call their customer support they provide the same answer and they tell me they don't the timeline when the specialist will look at my case and they can't help me further. 

Right now all my money is stuck there and I am unable to access it. I am not even sure if my account has been compromised because they are not providing any information and not unlocking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an XXXX credit report an inquiry was found with Nordstrom/TD Bank XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to Nordstrom/TD Bank to have this information removed. While a clearance letter dated XX/XX/2018was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the Nordstrom/TD Bank information be XXXX. This is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: Red Cedar Services, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had to take multiple payday loans and installment loans, five in total, to help out my family which was going through tough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My residential mortgage loan number with Flagstar Bank is XXXX. Flagstar requires that I pay them every month and a portion of my monthly payments are placed in escrow to pay property taxes and homeowners insurance. In XX/XX/2019, I changed homeowners insurance carriers. In XX/XX/2019, I contacted Flagstar and instructed them specifically not to pay the renewal of the XXXX XXXX policy and instead to pay the new carrier XXXX XXXX. They acknowledged receipt of my instruction and assured me they would not pay XXXX, and that I had given them more than sufficient notice for them to comply with my instructions. Nevertheless, Flagstar disbursed from my escrow account contrary to my explicit and clear instructions and paid both XXXX and XXXX XXXX, causing a huge shortage in my escrow account. Then Flagstar refused to assist me in getting the money back that they had improperly disbursed and instead placed the burden on me to get the money back from XXXX that Flagstar had improperly disbursed in breach of their fiduciary duty to me. I have since contacted Flagstar several times to find out how and why they disbursed contrary to my escrow instructions, to get some kind of assurance that they will implement corrective procedures and processes in order to avoid doing the same thing in the future to me or any other borrower whose loans they are servicing. My communications with Flagstar have been met with callous indifference and a belligerent attitude that they are above reproach and how dare I complain about the financial and emotional distress they inflicted upon me when they disbursed from my escrow account in violation of my explicit and clear instructions in breach of their fiduciary duties. My contact at Flagstar was XXXX XXXX in the Arizona office. Her phone is XXXX. Ms. XXXX has done nothing for me but offer unctuous prevarications and lies. Ms. XXXX exemplifies Flagstar 's callous, uncaring, inhuman, dishonest, and corrupt conduct. If I miss a payment that is due by even one day, Flagstar has their collectors harass me for payment, but when they willfully and wantonly breach their fiduciary duties to me, they act like they did nothing wrong and they refuse to be accountable or to take any responsibility for their despicable, dishonest, and careless actions.

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 2019-01-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had a XXXX XXXX now Chase Freedom card in excess of 5 years. When they discontinued their affiliation with the XXXX  XXXX, rates stayed fair low. However in the last year the rates have gone up on my card and where from .25 to .50 %. In XX/XX/XXXX, they sent out a letter indicating my rate would go up to 16.99 % in XX/XX/XXXX/XX/XX/2019. They gave me no valid reason but matching the current prime rate. A 5 % increase is not a valid increase or fair increase. 
If I don't agree, my card gets closed due to know fault of mine but NOT liking the new rate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my 2nd complaint against SageStream LLC for the same problem. CFPB closed my first complaint on XX/XX/2020 with the reason being SageStream LLc has done there part and contacted me. This is not the case. After receiving an email from the CFPB I have since called SageStream LLC ( as per their direction in their response to my 1st complaint ) no less than 5 times per day on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and each time I have left a message with the details requested by SageStream LLC on their recording because they do not answer their phones EVER. Their recording states that all calls will be returned within one business day. I have not received a single return phone call to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX {$1200.00} {$370.00} {$150.00} $ Was paid out to me from XXXX Mobile deposit them froze my account after XXXX release the funds Im lost saying that they cant send my funds I still have the paper checks that were sent to me via Mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: AES/PHEAA
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received letters from the debt collector XXXX XXXX XXXX threaten to garnish wage this is absolutely not fair because we are willing to pay the student loan balance but the loan balance must be correct and must be agreed between lender and borrower. Since I do not agree with a loan term even I already cancelled but the loan service ignored my request because of this I stopped making payment to the loan service due to wrong information of loan ; it should not 'consolidation '. Loan service transferred loan to collection agency and they demand borrower to pay the collection fees this is not right. I have attached documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The complaints are never resolved by the executive office or the new individuals who are assigned, We need more months to stall in the closing of my banking account and my XXXX case settlement. 

I want to know why Wells Fargo I was asked by an unknown person on a Saturday what my SS was? I replied I don't provide my SS. Wells Fargo is closed on Saturday 's This unknown became hostile in response. I received another call on the following Wednesday morning, same attitude and nasty. 
I informed her I would go to the branch near my residence. I reported the name of the Wells Fargo hostile employee. The name of the next Wells Fargo person was XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. Same attitude. I was the only person in the bank. Quite overwhelming for her to addrress my normal issues with Wells Fargo that never resolves issues, not caused by me. This woman was just as nasty when I told her I could bring in my docs for verification. She accused me of making her go through my legal docs. I informed her I would bring them in to end this ongoing activity. This person staged fights. Why is this person there? 
PLEASE RESPOND I left once again. 

The following day I tried again at the XXXXXXXX XXXX  XXXX XXXX down the street in XXXX. I brought my AZ XXXX XXXX XXXX issued Marriage License FOR THE 3RD time to send into the Executive Office. PLEASE EXPLAIN WHY MY MARRIAGE LICENSE IS NOT ACCEPTABLE? 

Why is there a continual problem that you can't establish my identity to settle my XXXX? Please explain! 

The governement needs to know your calculated abuse of me. 
Why? 

I WILL NOT OPEN UP ANOTHER CREDIT CARD WITH WELLS FARGO. 
EXPLAIN WHY MY IDENITY IS A CONCERN IN MY XXXX SETTLEMENT? 
YOU CONTINUE TO DENY ME MY RIGHTS OF IDENTITY. THIS IS THE 3RD TIME HARASSING ME, A CUSTOMER WHEN ALL LEGAL DOCUMENTS HAVE BEEN PROVIDED. THIS IS CONTINUAL HARRASSMENT? 

EXPLAIN WHY TO ME AND THE GOVERMENT. 
EXPLAIN WHY YOU SEND RESPONSES TO ME THAT YOU CAN'T ESTABLISH MY IDENTITY? 

EXPLAIN WHY THE PERSON CALLED XXXX AT THIS BRANCH DOESN'T HAVE WELLS FARGO BANKER CALLING CARDS? 

WHO IS THIS MAN? WHY DID THIS MAN TELL ME NOT TO RESPOND TO WELLS FARGO LETTERS? WHY DID THIS MAN TELL ME TO NOT ANSWER MY PHONE TO CALLS? 
ANSWER WHY HE IS HARRASSING ME? WHY IS HE FORCING ME TO OPEN UP A NEW VISA? HOW MANY ACCOUNTS HAVE BEEN OPENED UP UNDER MY NAME? 

THIS IS ABUSE!!!! 

PLEASE ANSWER TO THE CFPB AND TO ME WHY WELLS FARGO HASN'T BEEN SHUT DOWN? 
I WANT MY SETTLMENT CHECK! YOUR INTENT IS TO NEVER RESOLVE THE BANKING ISSUES YOU HAVE CREATED IN MY LIFE! 













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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 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently had a payoff amount made to Bank of America during refinance of my mortgage. 

I accidentally paid an extra month of payments in the amount of {$4300.00} on XX/XX/2020. 

After completing my refinance with different bank I realized my mistake and contacted Bank of America on XX/XX/2020. They told me it would take 24-48 hours to transfer the funds back into my checking account. I provided them with my bank account information.

I contacted them again at the end of the week. Each time contacting them as 90 minutes on hold on the phone. 

I was assigned a case number XXXX and told again another 24-48 hours. I was contacted by a supervisor on XX/XX/2020 who told me it was still in process and that we was again escalating my case. 

As of XX/XX/2020 it has now been 2 weeks after being told it was going to be 24-48 hours and B of A has not given me my money back.

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 2020-01-30
Company: WELLS FARGO & COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
There are unauthorized transactions that were made on my credit card and I attempted to dispute them with customer service and they were not removed.

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 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in XX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report in 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 non-monetary relief
Consumer complaint received 2021-04-01
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I contacted TD Bank about refunding the {$70.00} in fees they charged me. Due to the pandemic, it has been hard on me and TD Bank is one of the only banks still ignoring the financial troubles people are going through and taking more money from them anyways. The same day it went negative, I transferred money from my savings from a different bank into TD Bank, but apparently immediately paying them to make it positive again was " too hard on their multi-billion dollar business ''. 

The name of the supervisor who declined to assist during the great recession is named XXXX. The call was made ended at about XXXX Eastern Standard Time on XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: MD
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:
Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Credit Management keeps calling me and asking me for personal information. They will not tell me why they are calling and won't provide any other information. I have refused to provide my personal information as I know nothing about this company and have never done business with them. They say I have an account with them. It appears they are a debt collection agency. I have zero debts outstanding and never have thus I know for a fact there is absolutely no way I have an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Absolute Resolutions Corp.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Didn't understand answer they gave me on first complaint number XXXX which was closed. Saying couldn't comment because it was in litigation. 
I forget to mention on the summons there was not an account number. 
I was told they had to give an account number. Do I have any legal rights since there Was no account number the summons?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
have had a Chase Military Star Card now Chase Freedom card for about 8 years. When they discontinued their affiliation with the XXXX XXXX, rates stayed fair low. However in the last year the rates have gone up on my card and where from XXXX to .50 %. In XX/XX/XXXX, they sent out a letter indicating my rate would go up to 15.24 % in XX/XX/2019. They gave me no valid reason but matching the current prime rate. A 5 % increase is not a valid increase or fair increase. If I don't agree, my card gets closed due to know fault of mine but NOT liking the new rate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Capital one auto loan as well as XXXX have a link with an offer for a no hard pull on your credit ( ie soft pull ) for an auto loan finance rate. XXXX send an immeadiate rate quote of 10.2 % and nothing from Cap One whom I already do business with. The next day I got an email turning me down for even a rate quote until I fill out an app. The timing is not right so I say I am not interested in going any further with Cap one. They posted to one of my reports that I was turned down for a loan because I refused to give them the necessary information to check my credit. 

When I called them, angry, they asked for my social security number..frankly trust was broken. Finally after talking to 2 pe0ple I was directed to their " Credit dispute department '' which takes 30 days- much the same as me reporting to the Credit services directly But maybe not? The point is these people promised a rate and they did not comply while other leders did.

Company response to consumer: Closed with explanation