BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
While in the process of refinancing my mortgage with Bank of America, I cancelled my automated bill pay effective XX/XX/XXXX. My refinance was scheduled to close/fund XX/XX/XXXX however it did not close until Friday, XX/XX/XXXX and did not fund until the following Monday, XX/XX/XXXX. 

After everything concluded I received a late payment notice advising me my payment was over 30 days late. I contacted a Bank of America customer service representative and arranged to pay the missed payment via the bill pay system. At that time the representative suggested I follow up with checking my credit, but due to the circumstances she summized Bank of America would not report the late payment. 

I made that payment ( {$1000.00} ) and it posted to my Bank of America checking account on XX/XX/XXXX, making it technically 34 days late. However, the payment was credited back to my account on XX/XX/XXXX, because my refinance had already funded and the mortgage had been paid in full and closed. 

Upon researching this, I also discovered my refinance closing statement shows the funds were issued to Bank of America on XX/XX/XXXX. However, upon speaking with multiple customer service representatives, Bank of America did not apply the funds and close my account until XX/XX/XXXX and no one could give me a clear answer why it took them an entire month. 

I would also like to say, at the time I had four mortgages with Bank of America. Each account had been open for about 10 years and I had never made one late payment. In addition, my mortgage was paid directly from my Bank of America checking account, which clearly had more than enough funds to cover the amount due. Finally, a final payoff notice had already been sent and received from Bank of America for his loan, so they were well aware it was in the process of being paid off. 

I was made aware on XX/XX/XXXX that Bank of America reported my mortgage payment was over 30 days late, effectively eliminating my chance to obtain a new mortgage and purchase a new home. I immediately contacted the Bank of America customer service and was advised they would send a request to their credit reporting department. 

I called today to follow up and was hung up on twice by two different customer service representatives. The second time, after asking to speak with her manager.

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 2022-02-02
Company: Continental Finance Company, LLC
State: TX
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:
The problem is with this credit card company XXXX. I keep making payments on my bill and they keep changing the amount due. It's like they are trying to get me to pay all of the balance off. It is a very misleading company and no u can't use the card everywhere!!

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 2019-06-11
Company: AES/PHEAA
State: KY
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 have been making qualifying payments regarding public service loan forgiveness since XX/XX/XXXX. The initial lender was XXXX XXXX   XXXX  XXXX. The lender was changed to XXXX XXXX in XX/XX/XXXX. The final change to the current public service loan forgiveness through the federal government was in XX/XX/XXXX. In that time they have been unable to correctly quantify/acknowledge the number of qualifying payments towards the public service loan forgiveness, despite having the account under review for over a year and a half. 
They currently have 61 payments accounted for, this does not account for the first three years of loan payments through the direct loan servicing center ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I paid off the total balance of my Victoria 's Secret Credit Card Account, which is {$32.00} and received a confirmation email for that payment. After that, on XX/XX/XXXX, I have successfully closed my account with the confirmation from Victoria 's Secret. However, that payment of {$32.00} was returned on XX/XX/XXXX with no reason provided. Up until now, no alerts nor notifications were made to let me know that the payment was returned. It resulted in the late fees of {$28.00} in my total balance. 
Since the late fees of {$28.00} was created by the lack of Victoria Secret 's responsibility to notify customer about the returned payment after customer had closed their account, I request that late fees of {$28.00} must be dismissed. 
Victoria Secret 's Customer Service denied its responsibility for the unnoticed returned transaction after customer closing account. 
See attachments for confirmations and proofs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently just checked my credit report and see that the bureaus are reporting some inaccurate information about some late payments. I reached out to XXXX, XXXX and Equifax and disputed the late payments on my credit report. I simply ask that the CRA 's remove the late payments because I have never been late paying my bill. The account and late payment date are as follows : Account : XXXX XXXX XXXX Account # XXXX Dates Claimed Missed Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection notice from Conserve stating I owe them {$1800.00}. Before calling them I called the XXXX loan company and they said the debt was sold to Conserve and that they ( student loan co ) could not help me any further. The reason for my call is that on XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I had a remaining balance of {$310.00}. This letter will be attached in my complaint. That is the only debt I know of owed to the XXXX loan company. 

On XX/XX/2018, I received a collection notice from Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. This was a " notice '' collection letter giving me 30 days to dispute the debt or pay it before it hits my report. The letter stated that I owe the collection company {$1800.00}. This letter is also attached to this complaint. I spoke to someone who called himself, XXXX, but would not give me his last name and only that he was a XXXX. 

I told XXXX XXXX was confused about this collection notice. That I had a letter from the student loan company, in XX/XX/2018, stating I only owe {$310.00} and I have not received notices stating I owe any more then that. I requested, over the phone to XXXX, that he send me a statement or something verifying the amount owed as I am not willing to pay someone {$1800.00} if I only owe {$310.00}. XXXX then stated ( I hope his calls are recorded ) that he did not have to verify the debt that people who call here know they owe it and simply make payment to them. I told XXXX that I need the actual facts before I make a payment to you or anyone else. He stated he did not have to provide any information to me. I then told XXXX that I am officially disputing this account and that until this is resolved I don't wont it reported to my credit report. He said nope, On XX/XX/XXXX if you have not made payment we will report it to the bureaus. I told him how can I pay {$1800.00} when I believe I only owe {$310.00}. I need to see what the difference is before I make a payment. Also, your letter states that I can dispute this debt. He basically said he doesn't have to provide any information, that I should know I owe it, and that it will report to the bureaus regardless of my complaints and official dispute on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: STATE FARM BANK, FSB
State: WI
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:
XXXX  has been non-compliant with removing the unverified account STATE FARM BANK which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested the company stop calling me at work and I was told it was not illegal for them to do so. I work for the XXXX XXXX and XXXX XXXX and do no appreciate the phone calls while I am at work. My job is a time consuming position with no time to chat on the phone and the person was rude and not very accommodating. 

The name of the company is GC Services hired by XXXX XXXX, their telephone number is XXXX and the representative 's name is XXXX XXXX. 

Please advise me as to what I can do to stop these phone calls at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2019 I submitted a support ticket to www.Coinbase.com stating that I had some suspicious activity on my email account associated with my Coinbase account, and a failed attempt to log into my Coinbase.com account. I however looked over my account and everything was fine, there was no breach of my account as I had all the extra security measure set up including 2 factor authentication. I explained this in the support ticket that I just wanted to change my email address as an extra step of security. I specifically said there is no need to freeze my account as no one except for me ( the account owner ) gained access to it. They immediately froze my account asked me to fill out a few questions and that they would investigate. 
I filled out the form via email and waited. That was on XX/XX/2019. Since then I have not gotten a single response back from the company. I have call there support phone line over 15 times since then asking what is going on? They have no answer and can not give me any more information at this time but tells me they " properly escalated the ticket and should provide me with an update shortly '' They keep saying it is being " Investigated '' but there is nothing to investigate I already know the no " bad actors '' gained access to my account looking at my log in settings and all I wanted to do was change my email address. Also I would like to add that I have went through this same support ticket situation with 4 other exchanges ( XXXX, XXXX XXXX and XXXX  ) all of which solved my issue and reinstated my accounts in 4 days or less. 

How is it so hard to verify an identity and reenable an account/ This has gone on unresolved with no resolution or even an attempt at a resolution. I have what I consider to be a substantial sum of money in that account that I want access back to, at this point to just get my funds and close the account because I will no longer fund this company with my business. 

I fully intend to file a small claims lawsuit against the company if this is not resolved in the next 2 weeks aka 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I always mail my monthly payment ten days early. My XXXX {$680.00} payment was due XX/XX/XXXX, so I mailed it on XX/XX/XXXX. It always takes about ten days for them to post the payment, and they always send me an email that they have received it. This time I got no email. On XX/XX/XXXX, I checked with my bank and the check had not cleared. I called Loancare. It took 45 minutes to speak to someone. They told me that my XXXX payment was lost. I told them that I would put a stop payment on the check and reissue the payment through electronic funds transfer, which I immediately did. I then emailed Loancare what I had done and asked that they not cash the check and that I had put a stop payment on it. They cashed the check on the very same day that they said it was not there and then when my bank rejected it because of the stop payment, they sent it through again. 

Loancare is now charging me a fee of {$80.00}, two {$40.00} charges for a check rejected for " insufficient funds. '' I have contacted them by 'phone, email and letter. The only response that I have received is from my letter, notifying me that they are looking into the problem.

My mortgage was sold to this organization about a year ago, and from day one it has been one unsolvable problem after another. They are very difficult to contact, and they are simply unresponsive if you are lucky enough to communicate with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: OH
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:
Contacted the credit bureau. Was told they verify accounts by sending to dispute the lenders. I informed them about the 609 credit law and was told sorry sir I would have to dispute with the lender. Sent countless letters and documents and contacted each lender but lende doesnt have complete verifacation of the issue accounts in question are below Idenity theft accounts XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX Fraudulent Charge accounts XXXX XXXX XXXX XXXX These accounts have been placed on my accounts with out proper verification of debt because as told by supervisors they verify with lenders electronically because they have more disputes than workers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wakefield and Associates made numerous calls, when I answered the phone they hung up.Secondly, I requested proof of the medical bill they said I owed. Never sent me proof, and ruined my credit with XXXX XXXX Here is the current history of this corrupt company How many Complaints are there against Wakefield & Associates?

As ofXX/XX/XXXX, the XXXX  has closed 149 complaints against Wakefield and Associates in the past three years, with 75 closed in the past twelve months. The largest percentage of complaints alleged problems with billing and collections. Most of the remaining complaints are fairly evenly split between advertising and sales issues and customer service issues. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has logged 129 complaints against Wakefield, and XXXX  lists at least 6 cases of civil litigation naming Wakefield & Associates as a defendant.

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 2018-03-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/18 I used the website Coinbase.com to buy {$1200.00} of Ethereum cryptocurrency. They mistakenly took twice that amount {$2400.00}. I disputed the charge through my bank, Coinbase cancelled the transaction and I got the additional {$1200.00} back. 

Because of this Coinbase had frozen my access to their exchange ( GDAX.com ) where I keep the rest of my money ( about {$5800.00} in Ethereum and Litecoin ) until the situation was resolved. 

The issue that caused this was resolved during the first week of XX/XX/XXXX and I am still locked out of my account. I can't buy/sell/transfer any of this money. 

I have been in contact through phone and email with their support many times and they have simply told me that my case is " escalated. '' This has gone on far too long, especially because the issue that triggered the account lockout as solved over a month ago. 

Can you please help me? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/17 XXXX XXXX XXXX, XXXX notified me by email that they were collecting balance due on credit card on behalf of American Express. 
We made a payment and said we would call back when we would know how much we could pay monthly. 

We are a XXXX XXXX XXXX by the XXXX. 
XXXX XXXX XXXX notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our contracts. Which we solely depend on to do business. 
XXXX overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: BTH Management
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I GOT A MESSAGE FROM MY PREVIOUS EMPLOYER SAYNG A THE NUMBER XXXX LEFT A MESSAGE FOR ME. 

I CALLED THEM BACK AND ALL IT SAID WAS THE PERSON AT THIS EXT IS NOT AVAILABLE AND I COULD NOT LEAVE A MESSAGE. 

A FEW MOMENTS AGO I GET THE SAME NUMBER CALL ME AND I LEAVE MY DESK TO ANSWER THE CALL. 

SHE SAYS SHE IS FROM XXXX XXXX XXXX AND HER NAME IS XXXX XXXX. I VERIFIED MY LAST 4 BUT DID NO VERIFY MY DOB UNTIL SHE TOLD ME WHAT THE NATURE OF THE CALL WAS. SHE THREATENED ME SAYING THERE WAS PENDING LEGAL ACTION IN HER OFFICE AGAINST ME. 

SHE THEN PROCEEDED TO TELL ME THAT XXXX XXXX WAS TAKING ME TO COURT TO GARNISH MY WAGES AND THEY WERE THERE TO TRY AND HELP WITH A PAYMENT PLAN. 

SHE SAID THE BALANCE WAS OVER {$4800.00} AND I SAID THAT WAS INCORRECT. SHE MENTION THAT WITH THE FEES THAT IS THE AMOUNT. SHE SAID THEY WOULD OVER A SETTLEMENT FOR A LITTLE OVER {$3000.00} AND i SAID I WOULD BE INTERESTED IN THAT BUT WHAT WERE THE PAYMENTS AND THE PAYOFF SCHEDULE. 

TOLD HER I COULD NOT PAY ANYTHING RIGHT NOW AND SHE SAID WHAT ABOUT BY THE END OF THE MONTH. I MENTION I JSUT STARTED BACK WORKING FULL TIME AND I COULD ONLY DO ABOUT {$50.00} END OF THE MONTH. SHE SAID THEY WOULD NOT ACCEPT THAT BUT SHE COULD CONTACT XXXX XXXX TO SEE WHAT THEY WOULD EXCEPT. 

I TOLD HER I NEEDED TO CALL THEM BACK BECAUSE I COULDNT NOT CONTINUE TO BE ON BREAK THIS LONG ( ALREADY 6+ MINUTES ) AND SHE SAID-WELL I WILL TELL THEM TO PROCEED WITH THE JUDGMENT. 

I TOLD HER OKAY. 

THROUGHOUT THE CALL I MENTIONED TO HER NOT TO CALL MY OLD EMPLOYER OR ANY REFERENCES AND SHE CLAIMED NO ONE HAD AND I KNOW THEY DID. I TOLD HER ONLY CONTACT ME ON MY NUMBER WHICH I VERIFIED OR EMAIL ME. I ALSO ASKED FOR A COPY OF THE STATEMENT AND SHE CLAIMED THEY HAD BEEN SENDING ME NOTICES. I HAVE RECEIVED EMAILS BUT NOTHING IN THE MAIL. SHE SAID IT WAS THEIR WORD AGAINST MINE. 

I TOLD HER I WOULD NOT GIVE MY EMPLOYER INFO AND SHE SAID THAT IS FINE BECAUSE WE ALREADY HAVE IT. I TOLD HER AGAIN TO NOT CONTACT MY EMPLOYER PAST OR 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 2018-08-20
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding who is collecting for XXXX XXXX XXXX  was paid back in the middle of XX/XX/XXXX. I got a loan and the bank sent them a check to pay it off. After WEEKS, I asked the bank to stop payment on the first check and send another, WHICH THEY DID IN XX/XX/XXXX. This company goes and finally attempt to cash the FIRST check even though I told them it had a stop pay on it! They still do not acknowledge the SECOND check, and I call these people twice per week! I do what they ask, and it does no Good! WHAT is this companies problem?? 
It has been paid TWICE now and still on my credit report! I have to repeat myself every time I call the company! They do not read, listen, or document accounts! 
The cancelled my settlement due to THEM NOT RECEIVING THE BANK CHECK on time EVEN THOUGH THE BANK SENT IT ON THE DATE WE TOLD THEM! 
THIS COMPANY IS UNPROFESSIONAL AND ABSOLUTELY NUTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry claimed it had two accounts that they were collecting on that were allegedly owned by them and the debt was allegedly owed by me. I wrote a letter and mailed it on XX/XX/XXXX but they refused to respond. I have never received any demand letter for the accounts listed in the responses provided by the company. The following was the quote response on Ms. XXXX credit report in XX/XX/XXXX regarding two ( 2 ) accounts that its affiliate, Cavalry SPV I, LLC, owns. The Cavalry accounts in question are Cavalry account XXXX and Cavalry account XXXX. Pursuant to 15 U.S.C. 1681b, Cavalry had a permissible purpose to review Ms. XXXX credit report because Cavalry intend [ ed ] to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving thecollection of an account. Calvary does not offer credit and I don't owe anybody an uncollectible debt.

Company response to consumer: Closed with explanation