BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Good afternoon, On XX/XX/2019, I received an email from BBVA Compass Bank regarding my credit card rewards account. It stated that if I spent {$2500.00} in new purchases between XX/XX/2019 and XX/XX/2019 that I would receive XXXX bonus points. I enrolled in the offer and made the required purchases. 

I have never received the XXXX bonus points. I submitted an email through the bank 's online banking service to customer service. A representative replied that she could not help with reward points, that I needed to call a separate department. I replied that this was insane, and that customer service should be able to provide Customer Service. The representative again replied that I needed to call another department. 

I called the number provided. Guess what? The rewards department stated that they could not assist with this issue and they would forward it to another department. Does this sound familiar? 

The customer service at this bank is terrible. I want my XXXX bonus points as stated in the offier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, Our mortgage foXXXX XXXX XXXX XXXX XXXX were transferred to a different service provider. First we were with XXXX and then moved to SPS. 
We got notified from XXXX of the transfer, account was supposed to move to SPS from XX/XX/XXXX. But on XX/XX/XXXX we received a letter for " Notice of Default - Right to Cure ''. This letter to send to both the home address and tenants were confused and worried about it. I had to reassure them that we are paying mortgage on time and house will not be taken over by bank. 
I have had multiple homes over last 15 years and had numerous refinances done. Always when service provider is changed and loan moves to new bank, they give you 60 days to setup payment and send statement and call if we had not setup payment before anything like this is done. We have never received anything like this before. Also, its been just a month exactly from XX/XX/XXXX to XX/XX/XXXX, from the time the loan was transferred to when the notice was sent. 
When I received the statement in XXXX last week, I setup the account online and I sent the payment for XXXX on XX/XX/XXXX and also setup auto payment on XX/XX/XXXX. 
I am worried about what was the reason to send this notice to take over the house within a month on loan transfer? They didn't even give us time to make first payment and setup auto pay. I have never missed a mortgage payment in all these years with any loans. 
I am filing this complaint so you can check on them and let them know what they did is wrong. I want to make sure, they don't do anything like this going forward and try to take over the property illegally. Please address this issue, I really appreciate CFPB being there to protect common man. 
Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a tax refund for an over payment of taxes as I was approved for a XXXX exemption for tax year 2017 forward. I requested the mortgage company to provide a letter to allow the refund to come to me directly. They declined to provide even though they are withholding the maximum amount per law according to my calculations. I have called the loan service provider and submitted multiple requests in writing to provide the refund. The loan provider is now holding my refund in escrow and I have been told that I I will not receive a refund as I have not paid yet for this months mortgage. I believe the company is in violation of the law regarding the maximum escrow withholding. I also think their policy to not allow a refund of this nature to go directly to the mortgagee will many times result in a violation of the law in this area. I am only 13 days behind on this loan, it is unacceptable that I was told I would not be refunded monies owed to me because i was not current.

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 2019-09-13
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Greetings this company sold me a lemon and the bank that approved the loan have a great working relationship with this shady dealer, that sold me a lemon. I went to the dealer and ask them to change the vehicle due to the issues and he told me that I have to wait six months in order for him to trade the vehicle, now mind you within that time the car have been in his shop and possession getting fixed and I had to pay for the service and the part that they replaced. In the six month time I went back and told him that you had promised to trade the vehicle because now I am experiencing more problems and that is not fair then he told me that the bank United auto doesnt want him to trade the vehicle. So I told him that I will leave the vehicle on his lot, he told me go home and he will work it out with United auto credit because he knows the manager personally. 
Nothing happened and and I made several calls to United auto credit to let them know, how am I going to continue on making payments on a vehicle that I cant drive, so they told me to return the vehicle and I will not be charged. It took me more than two months to schedule a pick up with this company they are just horrible and shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Servis One, Inc., Titusville, PA Branch
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX has failed on complying with the CFPB rules on : Early Intervention ( XXXX XXXX  XXXX ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin 2013-12,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX  within weeks of the transfer notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.

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 2020-12-21
Company: EQUIFAX, INC.
State: NC
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2017-06-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Wired {$15000.00} to  Coinbase  on  XXXX / XXXX /   2017  for use on their  XXXX  digital currency exchange. Wire transfer was processed next day from my bank checking account, details show in my account. I had previously transferred {$5000.00} to Coinbase from the same account with no issues.     Funds were transferred to : Recipient Na me Coinbase, Inc  Recipient Address  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   XXXX , CA  XXXX  Bank  Name    XXXX   XXXX   XXXX   Bank  Address   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  Routing/ABA Number  XXXX  Account Number  XXXX  ( additional identifier for my consumer account was added in the 'instructions ' field ) Coinbase states on their website : " Bank wire transfers may be credited to your   XXXX   account on the same day if submitted by  XXXX  PT. Otherwise, funds will be available after  one  business day. '' As of  XXXX , funds from this wire transfer are not available in my account.     I have attempted to contact  Coinbase  customer support through their online support system, by email and  XXXX  direct message since  XXXX . No other channels for contact are available. Company has not responded or provided any information on the missing funds . Case ID  in company 's helpdesk system is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is will not remove fraudulant inquiries from my report that include XXXX XXXX  XXXX XXXX on XX/XX/2018 as well as XXXX XXXX on XX/XX/2018 need removed for my job

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 2021-06-06
Company: EQUIFAX, INC.
State: MD
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:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On equifax they have this address on the report and i never live there XXXX XXXX XXXX XXXX XXXX, MI XXXX And theres a couple hard inquires one of them from XXXX  XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX they put a account under investigation and they found out its a fraud and they promise me to remove everythings from the report they remove the account but not the hard inquires And theres another companies XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 




XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 



XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 




XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 

And as you can see there is two inquires from the same company in one month I only have two credit cards one from XXXX XXXX and one from XXXX thats all the credit i have

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money ( {$9500.00} ) transferred from XXXX  XXXX XXXX to Citizens Bank. Getting mortgage from Citizens Bank and they told us if we have an account we can save money on our mortgage. Transfer stopped due to suspicious activity. Contacted XXXX  XXXX XXXX, they told us, and sent documentation Citizens has it. Citizens says it doesn't have it. Spent numerous hours being transferred to voice mails, but still haven't heard back about getting our money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed these 6 accounts multiple times, and I have not received anything in the mail from " Arcadia Recovery Bureau '' AT ALL! I am not sure the company even exists, I keep finding a college called Arcadia when I XXXX search, does this college teach credit reporting? I have no idea what to do or who to turn to. PLEASE HELP ME! 6 ACCOUNTS ON MY CREDIT AND THEY CAN'T EVEN SEND ME ONE PIECE OF MAIL! OUTRAGEOUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/2022, I fell victim to two multi-layered scam operations run by the con artist XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase Inc. account to the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Client Processing after listening to a commercial stating they can help save time on your school payment if you are a First Responder. This process started in the fall of XX/XX/XXXX, XX/XX/XXXX. The loan was held with ACS ( I believe ). I called and discussed my consolidation with them. They did not disclose that the payment count would go to zero. Thus wiping out my prior payment records. They didn't review the interest rate changes, nor the possible changes in payment amounts. Without discussing the payment count - they basically wiped out my prior payment records. They also stated it was " really '' hard to apply for this payment plan on my own. I began the process. They stated they would need signatures to continue. I told them on multiple phone calls that I did not want to proceed at this time. I told them I wanted to wait until I had my tax returns. Multiple times, they emailed/called stating I had to sign and return their packet. I refused and again stated I was intentionally NOT proceeding. Then, in the spring, while I was on military orders, they pushed the consolidation through, without verbal or written consent. I am now forced into a new loan and payment plan, that I did not agree upon. This company mislead me and committed fraud by proceeding without my consent transferring to XXXX. They also completed an SRCA violation due to the loan transferring while I was on military orders, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I setup a new account yesterday in order to freeze or unfreeze my credit reporting then logged off and attempted to log back in to check my ability to access the account. 
Unfortunately I could not log back in to the account and after three attempts was locked out. I waited 30 minutes and attempted again without success. ( Twice ) I then called the Equifax help line and after answering 8 security question about my history + SSN, DOB they said they could not grant me access to my account. I asked for the supervisor and she said they could not help me because I was using the wrong browser, i.e. XXXX XXXX XXXX and said I had to use XXXX. This company seems to be very backwards in technology and would ask you investigate their web site for cross-platform access by all the common browsers. 
Still don't have access to my account and am very frustrated with this company. I do have access to the other two credit reporting agencies without any problem but not Equifax.

Also there should be federal rule that we the consumer should have the choice which credit reporting agency we want to use. This regional selective option should not be but use of any of at least the three major ones should be selected by the consumer.

Will need to refer this to our congressman. This is not consumer friendly. For example, If someone has a dispute with the only credit reporting agency a loan company uses there can adverse problems with making a purchase during that period even though the other two agencies show good credit and are accessible. I think it was a cop-out that the supervisor said we needed to use a XXXX platform to access our account and ask you look into this. I will pursue breaking up the regional credit reporting agency limitations by financial loan institutions with my Congressman We the people should be able to choose which credit reporting agency should be used. 
Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for and received a mastercard from HSBC on or about XX/XX/2018. I activated the card online a few days later. I did not attempt to use the card until XX/XX/2018. I used the card to pay for a purchase at XXXX on XXXX XXXX XXXX in XXXX, Georgia and it was declined. I immediately called the HSBC customer service number shown on the card and after waiting on the line for over 30 minutes was told that there was a hold on the card but that she ( the person I was talking to ) could not do anything about it and I would have to talk to another department. She then transferred me to that department number where once again I was on hold for 20 minutes  before I terminated the call. The next morning I called the customer service number again and was told the same thing about the block but that the department that was responsible for resolving the issue did not work on the weekend and I would have to call back on Monday, XX/XX/XXXX, ( today ). 

Today, I have talked to the number that the customer service agent gave me and was told that they were not the right department and I would need to call another department. The agent also told me that the account could not be closed because of the hold on ; the account. I have now called that number and have been waiting for over an hour to talk to someone in the department supposedly that can resolve the issue. After waiting on hold for over an hour and 26 minutes I terminated the call without speaking to anyone. 

I want to cancel the card and end my relationship with HSBC but can not get to the right department to do that. The account has never been used and I am concerned that something could be put on the account and I will not be able to contact anyone about it.

Company response to consumer: Closed with explanation