BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Many payments made in XX/XX/XXXX to Coinbase you can pay in but cant get your money out wont verify my bank account even though I sent them XXXX euro asked and they sent it back to my bank account so verified yes,, NO been going on now for months emailed them many times this company sucks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted TransUnion on XX/XX/2021 about 4 fraudulent bankruptcies that are showing on my credit report. Attached are the letters I send them with the certified mail receipts. I did my research about these fake bankruptcies and I found that there is a wait time between bankruptcy filings which means there is no way that these bankruptcies are mine. These serious errors are preventing me to get necessary financing. Chapter to Chapter Options Wait Time Between Bankruptcy Filings Chapter XXXX to another Chapter XXXX bankruptcy 8 years Chapter XXXX now filing for Chapter XXXX bankruptcy 4 years Chapter XXXXnow filing for Chapter XXXX bankruptcy 6 years ( or payment in full on Chapter XXXX repayment plan ) Chapter XXXX to another Chapter XXXX bankruptcy 2 years.

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 2018-01-03
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient claims I took out a XXXX XXXX XXXX XXXX account number # XXXX on XX/XX/XXXX for an original disbursement of {$30000.00} I have no record of ever taking out a student loan for that amount on that date or even close to it. 

In addition Navient claims I have been delinquent since XX/XX/XXXX but has never reached out to me either by phone, mail, or email. To make it worse it only showed up on my credit report as of XX/XX/XXXX when I had my credit pulled as part of a job. 

No one returns my calls as they send me to voice mail when I call their numbers soon as I enter in my account information. 

This lack of responsibility, mismanagement, and outright deception could cost me a high paying job that I qualified for based on the harm of negligence, incompetence, and complete fraud on their part. 

I dispute their legal right to collect on a loan that they made up and claim I owe due to fraud on their part. There is no paperwork showing I took out a student loan for that amount on that date as they just made up a loan. The loan amount, disbursement date, interest, loan balance, and the loan itself are all made up and are just lies. I ca n't believe this is happening in America and that this is even legal in any shape, way, or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Dates showing I missed payments when I was still in school. Payments should have not been due until after my semester ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing a charge ( {$600.00} ) from XXXX XXXX. since XX/XX/XXXX. The charge was for a phone plan that I did n't agree to, that charges me for every toll call. After noticing this mistake, a manager named XXXX ( extension XXXX ) reversed these charges and put me in the correct plan. A timeline of my complete history ( names, dates, XXXX XXXX, Legacy ) with this account will be uploaded and was sent to Experian Credit Reporting at the time of my first dispute.
My XXXX XXXX Credit card did an investigation and XXXX XXXX XXXX accepted my dispute and credited me the charges. This form is also going to be uploaded.
XXXX and Experian had reported XXXX as a charged off account. I disputed these charges and will upload the results of their investigation and reinvestigation. Experian actually said on theXX/XX/XXXX results that " we are unable to use it ( the documentation I provided ) to make changes or deletions you requested ''. I called Experian in late XX/XX/XXXX and told XXXX, and mentioned to him about the refusal to use my documentation. He said " Oh, you did n't have a contract with them ''. He said he will re-dispute this based on an ownership issue. He kept the same Dispute number as before.
Report number XXXX- ... ... .. with Experian was emailed to me with the results on XX/XX/XXXX. Experian came to the same conclusions, so I called them up and all they could say was to call XXXX.
A reinvestigation by XXXX came up with the deletion of my XXXX account and my Credit Score reflected this. XXXX XXXX report will also be uploaded.
XXXX XXXX and XXXX have ruled in my favor and after 2 attempts, Experian has come up with a different conclusion. I would question the process Experian went through to come to different conclusions.
Thank you,

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 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I responded to an offer from Bank of America for its "Travel Rewards" card.  The offer included 0% interest for 12 months.  Prior to accepting this offer I had never had a BofA credit card of any kind.  I made my first transaction on XX/XX/XXXX.  My statement clearly reads "promotional APR 0% until XX/XX/XXXX."  On each of my last two monthly statements I have been charged interest on an outstanding balance.  I have twice contacted BofA to remove these charges and stop making further charges.  So far to no avail.I would like CFPB to intervene on my behalf.I suggest that CFPB detremine if this is a widespread problem.  I am sure that many people - especially those used to carrying balances on credit cards - could fall victim to these incorrect interest charges  without even knowing it.  Recent history, e.g., XX/XX/XXXX, suggests that large banks sometimes try to charge their customers for things customers never agreed to.

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 2018-01-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage was schedule to pay via bill pay from bank, received package from mortgagor asking to submit ACH, went online and submitted all ACH information, payment was supposed to start after XX/XX/XXXX payment, but XX/XX/XXXX payment was drafted despite bill pay was delivered & posted, contacted lender that this has happened ( lender do not have curtsy to notify their error ), they want to send complete bank statement and wait for 8 business days, they said there will be no payment will be due & drafted for the month of XX/XX/XXXX, loan statement received also states the same thing BUT surprisingly XX/XX/XXXX payment also drafted! so they have been recovering payment in advance for almost 60 days! Called the lender again XX/XX/XXXX employees were so arrogant and blunt and would not process the request and would not answer any question and keep arguing, asked for Supervisor - same response, asked for supervisor`s supervisor and explained the problem that lender has created, as they are charging me interest they should pay me interest for their error & refund me extra payment immediately that is the resolution I request. Improve their process to avoid duplicate payment and train their staff to response & handle such situation more professional manner. 
Employee # XXXX- not helpful, Employee # XXXX not helpful. Employee # XXXX helpful obtain info and assured work on request but no resolution.

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 2019-10-01
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
RE : Target Corporation " Red Card '' In anticipation of a service/store charge, I have made extra payment of {$3000.00} on XX/XX/2019 on my credit card. XXXX XXXX paid Target and release those funds thru ACH on XX/XX/2019. On XX/XX/2019, I received a notice ( text and email, as my alert is on for these situations on my card ) that I have exceeded my credit limit. I checked my balances both previous statements and current balances to understand what happened. I called Target customer service to check why my {$3000.00} was not being applied when my bank already paid them. They said they are putting a hold on that payment for 14 days to make sure that there's no issue with the payment with my bank. My option to get it released right away is to do a 3-way conference call with XXXX XXXX. This was a shock to me as I have to login to my account on the phone and then have Target listen in all of the verification to get to a XXXX banker. I had to do this twice as I was not comfortable the 1st time as I felt this was highly unusual. Anyway, after my 2nd call with XXXX, with all security verifications and with Target agent on the line, XXXX confirmed the ACH payment. Target then released the hold on the {$3000.00} payment. I do not agree with this practice of Target putting a 14 day hold on a payment that's been received already. It also puts me in bad credit situation because it shows I went over my credit limit as well and continue to be charged interest on the amount already paid. I think this is a very bad practice by Target and exposes me, the customer, to more fraud because of this unusual 3way conference call. I now have to figure out how to pay down this credit card without my funds being put on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Detective XXXX XXXX from XXXX police department contacted me back XX/XX/XXXX and notified me that Portfolio Recovery never retrieved the police report in regards to account XXXX nor have they requested the police report from their department. Yet XXXX stated to the CFPB they validated the fraudulent account opened without my consent. My ex husband also filed a CFPB complaint because he notified the creditors back in XXXX I had identity theft and fraud under my name yet the debt was sold anyways and the creditors never obtained the POLICE reports. It is their responsibility to obtain this legal active report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My XXXX, Transunion and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX XXXX OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my XXXX, XXXX and Transunion credit reports.

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 2019-05-07
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Im actually the beneficiary for the account for someones account at Key Bank located XXXX XXXX XXXX XXXX Maine XXXX XXXX which both husband and wife passed away. I went into the office instead of them asking for all material at one time it was asked piece by piece eventually giving them all that was asked I then had to wait 30 days After 32 days I went in they told me they had to fax everything to legal and I would here from them, now i have not received any phone calls or reply back from them, I also had a lawyer to write a letter asking Key Bank if theres anything more needed from XXXX if so please inform us so XXXX can move on with his life. 
Heard nothing from Key Bank. 
I have all emails, from bank manager stating I had to wait 30 days. 
I also called another Key Bank to find out what do I need to close a bank account if Im the beneficiary, the reply was original beneficiary paper work, 2 original Death certificates, affidavit and waited 32 days which they require 30 days. 
Still no reply, nothing, please help. 
I can be reached at XXXX or XXXX I have all emails and documentation to and from Key bank if needed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started receiving correspondence from XXXX XXXX claiming I owe {$95000.00} in student loan. They claim I borrowed from Wells Fargo. Wells Fargo is the most dishonest bank, I never consolidated or borrowed anything for school from them. I deeply regret having a mortgage with them and accounts. 
I since looked at NSLDS and my student aid websites. My servicer is in XXXX TX, XXXX XXXX XXXX XXXX. There is no mention of Wells Fargo or XXXX XXXX. The total amount I owe is {$80000.00}. Once again Wells Fargo is trying to steal money and charging XXXX more than what I owe. 
I still have a credit card in my name that I never signed up for. The card was used and charged to the max by my ex boyfriend who lived with me. I was s victim of XXXX  XXXX and XXXX. I was able to get a XXXX  and start rebuilding my life after this ordeal. However Wells Fargo is still demanding I pay this credit card and I refuse to do so. I almost lost my XXXX  and already lost a lot of money from theft and fraud committed by this man. 
This student loan scam is just the latest in the ongoing greed and abuse by Wells Fargo.

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 2018-01-03
Company: DCN Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXXXXXX XXXX XXXX CALLED MY HOME AFTER TELLING ME WHO THEY WERE TOLD THEM NOT TO CALL ME AND HUNG UP CALLED DENTIST OFFICE THAT REFERRED XXXX XXXX XXXX THEY GAVE ME A DIFFERENT TOTAL - DISPUTING NOT INFORMED LEFT MESSAGE FOR MANAGER - COLLECTION OFFICE CALLED AGAIN TODAY - HUNG UP PHONE THEY CALLED ME BACK STATING WANTED TO VERIFIED ADDRESS - GAVE THE ADDRESS REPRESENTATIVE TOLD ME I HAVE A WEEK - THEN LAUGHED AND HUNG UP PHONE/

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 2022-02-06
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the annual escrow account disclosure statement which included the anticipated annual disbursements. Loan Depot is stating my bills due in the upcoming year are my mortgage insurance XXXX county tax, hazard insurance, and other insurance. I don't know what this " other '' insurance is and why they anticipate me having " other '' insurance. I never bought other insurance. The only insurance I have ever had or plan on having is hazard insurance. 
Loan Depot is falsely claiming that I bought " other '' insurance in XXXX, which I never did, and it's causing my mortgage to increase. 

I already placed a complain with CFPB ( company ID XXXX ) about Loan Depot stating my hazard insurance was not hazard. This mistake was fixed on their end and should have not affected my future escrow account, but it looks like it still did. 

Starting XX/XX/XXXX I am now having to pay extra for " other '' insurance that LD is stating I had. 

On top of that, the reimbursement check I received for escrow is incorrect because of this " other '' insurance LD is claiming I will have next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2017 a {$5000.00} ach wire was sent to my checking account. The checking account had closed on XXXX/XXXX/2017 I did not know this as there was nothing on line to indicate account was closed. On XXXX/XXXX/2017 I called the bank was told to go to branch open new account. When at bank was told money would transfer XXXX/XXXX/2017. I called bank on XXXX/XXXX/2017 when money not made available I am told that they took care of overdraft {$450.00} but I not given access to funds. I am told money will be made available after 15 day hold for check to clear. I remind that this wire not check .Told me will hold till XXXX/XXXX/2017. I also complain that know where on line does it show that {$450.00} was paid or that holding {$4500.00}. On XXXX/XXXX/2017 I go to branch am told money will not be made available till XXXX/XXXX/2017 will mail a check. I offer letter from ach company to show money went threw was told does not matter. I understand a few day hold as account was overdrawn and closed but not almost a month to mail a check. I understand half of this my fault for over drafting account and letting it close. However I received nothing in mail or show on line account closed. Because of this I can not go on vacation I paid part cant pay balance. Mortgage and car insurance not paid. Still not have anything showing bank is holding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Capital Accounts, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Reps from Capital Accounts , LLC repeatedly call my telephone number regarding some unknown debt. They call telephone # ( XXXX ) XXXX several times per day. I have no idea the Debtor they represent because all of my debts were included in a Bankruptcy in 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After being layed off work beginning on XXXX/XXXX/16 I continued making payments until unemployment insurance ran out inXX/XX/XXXX and I could not afford too continue. When the collection calls started I explained my situation but Navient claimed there was nothing they could do when I asked about lower or deferred payments, they instructed me to just ignore the calls, all the while reporting negative on my credit report until my employment in XX/XX/XXXX I was able to start making payments again in XX/XX/XXXX after catching up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I walked into the TD Bank located in XXXX, FL ( XXXX XXXX and XXXX XXXX XXXX ) in XXXX XXXX, FL to resolve charges that were not mine ( dispute them ) ; and obtain a new debit card ( since the one that I had was not registering all the transactions I was making. ) That day, I walked out with only a new debit card ; and was told by XXXX and XXXX, a.k.a. XXXX, that all disputes are to be made over the phone. Also, both women allege TD Bank only has one account under my name. I'm alleging they have at at least two, XXXX XXXX XXXX and XXXX XXXX, because I keep receiving mail with two names ; and I continue to see two maintenance fees. After two plus hours of trying to talk sense into these women, we got no where. I got up, and made a NEGATIVE account positive by depositing {$100.00} cash into a new account that has NONE of my history from XXXX of XXXX - XXXX of XXXX. My history should go from XXXX of XXXX to present day. 

In conclusion, I've gone ahead and attached two pdf files with images that reflect what activities are NOT mine, and why TD Bank needs to place back into my account {$97.00} and remove all the XXXX and XXXX XXXX  fees ; followed by all the XXXX XXXX fees, and explain how my account was made negative on XX/XX/XXXX ; but I was still able to withdrawal {$160.00} with a {$10.00} ATM fee on XX/XX/XXXX and obtain a receipt that reflects POSITIVE {$15.00}. And then use my card TWICE in XXXX, FL on XX/XX/XXXX ( after XXXX XXXX. EST ) for {$2.00} each time ; and have NO Problems ; but guess what, those two transactions are MISSING from this NEW online account. This confirms TD Bank gave my REAL account to someone else, allowed this person to create a fake account that did not pass the test. So, I had to make this " new negative '' account positive ; and that's a crime! Also, my card was never used on XX/XX/XXXX - XX/XX/XXXX ; why does this new ledger reflect that I do? 

Why did XXXX have to hand me TWO different printout with the names XXXX XXXX if there's only ONE account? ( see the images in the kic attachment ). XXXX XXXX pages 1-15 ; and then XXXX XXXX pages 1-2 ( that's the new account ) and it has NO HISTORY prior to XXXX. 

They need to admit they duplicated my account and I'm being disrespected ; insulted.

Company response to consumer: Closed with explanation