BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I was a user of coinbase pro. On XX/XX/XXXX I received an email saying coinbase pro was closing and my assets would be transferred to coinbase. The email said I would enjoy the " same low volume-based fees as Coinbase Pro. '' Today XX/XX/XXXX I made two transactions on coinbase. I converted {$16000.00} of XXXX into XXXX and {$13000.00} of XXXX  into XXXX. For these transactions, I was charged a 2.6 % fee instead of the usual 0.6 % fee, roughly an extra {$600.00} in fees. 

I called the company to complain. They said the cheaper fees are available not on their main website, but after clicking through a few pages to the " advanced retail trader '' section, which is not what you see when you go to coinbase and click on trade. The email did not state this anywhere. 

The company refused to refund the extra fees or cancel the transactions. I asked to speak with a XXXX or for a XXXX to call me back. They refused to escalate me on the phone and instead hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
My card has been compromised a number of times this year. In fact, in the latest round of fraud, I did not even receive the physical card in the mail, which I was awaiting after a replacement. 

On XX/XX/XXXX, it appears someone used my card to check into a hotel in XXXX, and stayed for a number of nights. I promptly contacted Capital One when I discovered this fraudulent charge as well as a number of others. Capital One has rebilled me, claiming that the hotel said their policy was to check ID of every customer. When I asked about what ID information they got, I was told they did not have a copy on hand. But it is " their policy to review ID ''. 

I have faxed documentation to Capital One documenting that I was nowhere near this area and in fact had work commitments for a number of the days in question 120 miles away in XXXX. Capital One suggested I call the hotel, which I have. This is not very helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo Bank 's fraud department contacted me regarding possible fraudulent transactions on my checking account. I verified that I DID NOT AUTHORIZE any transactions. A report was immediately filed. Wells Fargo immediately closed my account and opened a new account over the phone. According to Wells Fargo, the XXXX transactions totaling {$600.00} ( each were for {$300.00} ) were done via XXXX and sent to someone I don't know. 
A day and a half later, Wells Fargo allowed these same XXXX transactions to post to my account causing the account to be in " overdrawn '' status. The transactions were done through XXXX linked to my account. 
Today I am being told Wells Fargo reached out to XXXX and no fraudulent activity was observed so they were DENYING my claim dispute. I was not aware of any of this UNTIL WELLS FARGO XXXX DEPARTMENT REACHED OUT TO ME!!! 
Now my account is in overdrawn status, Wells Fargo refuses to do anything, and are refusing to close my account due to the overdrawn status! 
They have already allowed this to happen twice. How can I be protected when the account is still open?

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 2020-11-28
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had signed and submitted a contract to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX along with my pre-approval letter from my lender for full asking price of his property. My realtor then received a counteroffer, stating that I am only permitted to use his mortgage broker or he would not sign the contract. As a consumer I am aware that I have the full right to determine which lender I choose to use and the builder is not permitted to not sell me a home because I do not choose to use his broker friends XXXX XXXX and XXXX XXXX from Paramount Residential Mortgage Group , Inc. Using this company will cost me additional money on broker fees, and I will be forced to forego a grant of {$11000.00} that my lender has qualified me to receive. I have evidence both in the contract he provided as well as a follow up email from him stating there was no choice on my part as to which lender I could use if I wanted him to build my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: GOLDMAN SACHS BANK USA
State: CA
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:
i didnt make a purchase with a site called XXXX and my credit card company said they gave them sufficient evidence to show for it, i requested the evidence didnt get it, and i know for a fact i did not make this purchase and i would like this to come off my valve because it is over {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have/had a Wells Fargo checking and savings account between XXXX - XXXX. I am aware that they were incorrectly charging over draft fees and freezing accounts. I am unable to go back to my statements that far back to see if I had any incorrect over draft fees or to see if my account was ever frozen. I have been a Wells Fargo checking and savings account holder since 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 2018-12-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.

Why do I need to have them update when the bureaus should do the investigating?

Next, I have called the companies and have sent letter already attempting to verify the information.

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

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 2020-10-21
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I have been getting calls from XXXX  ( collection company for XXXX ) the calls started Monday say we owed a bill. They say the service was disconnected in XXXX of XXXX and that we owe a bill over XXXX. The service was discontinued in XXXX of XXXX and the equipment was returned in XXXX of XXXX. We moved the end of XXXX this year XXXX and have no bill associated with the company listed. We have several confirmation emails from XXXX saying the service was canceled late last year and a receipt from XXXX from where we mailed back the equipment. They have called at least 10-13 times ( 3-5 times a day ). They are rude, hateful and outright disrespectful. They have been told not to call again, we have emailed the company with proof. We are contacting a lawyer if this does not stop. 

Company phone number is 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 2020-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I attempted to log into my Capital One account and noted it showed closed account on XXXX/XXXX/20. I contacted Capital One to question why as I had paid of my balance and have always been in good standing. They advised it was closed due to non use. I advised I recieved no notifications and this would be damaging to my credit which it was. I spoke with a supervisor to request the card be reactivated since it was just done that morning. My request was refused and I was advised I could file a complaint or reapply. I asked how would I know the complaint was reviewed or who do I contact for status updates She advised she had no idea but would file it. I have never heard back and my credit has been severely impacted. I was an outstanding customer who was just disregarded and pretty much told oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: TX
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:
Wrong information, wrong address : FCA Violations XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY MAIL RETURNED XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
this person showed up at my residence looking for my estranged husband. I told her he no longer resided at this address..she then publicly, tactically implied, because we were standing outside, that the vehicle that was parked on my driveway was registered to him. Then asked if I knew of his whereabouts ... how did this stranger know my personal business and is it lawful of her to invade my privacy in public?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I XXXX XXXX XXXX, have payed off the vehicle loan with Navy Federal Credit Union ( NFCU ) and they have reported to the credit bureaus that I've made late payments. This information is incorrect and they refuse to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
THE INFORMATION BEING REPORTED IS INACCURATE AND REPORTING IT IS A VIOLATION OF THE FCRA

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 2021-04-28
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I just refinanced my house and my loan was just bought by Village Capital. My house received damage and i summited a claim against my insurance company ... I was informed that the house had 17,000 dollars in damage my roof was needing to be replaced along with the back porch and carport. We was having more storms on the way so I paid out of my pocket to replace these items cause I didn't want more damage to the house.. Thus trying to protect my home from further damage. 
when I received the check from my insurance company they had the check made out to me and the mortgage company.. I called the Village Capital and was told to over night the check to them and they would endorse it and return it to me. They sent the check back to me and said that cause the check was over 10,000 dollars that I had to endorse the check and send it back to them ... I signed the check and returned it again to them the check seat there for weeks without them doing anything to have my funds returned to me ... I continued calling the company and was told that it takes time and that they would send an inspector out to the house to ensure that the work was completed ... When an inspector came to the house they signed off the work as competed and summited the papers to Village Capital the same day that they was here.. I requested from the inspector that I get a copy of the report cause the mortgage company has been losing and delaying. I called the mortgage company after 2 days after they received the report and they said that they still aint received the report from the inspector. I was talking with XXXX a manager in the claims office and he said that if I had a copy of the report that he would overnight the check to me and that he would return my call stating that he had done that ... while he went home without calling me and its almost a week later and I have not received the check yet .... he refuses to take my call and I'm have to talk with others who aint knowing what's going on ... I started the process with this company before XXXX of XX/XX/2021 and its been over 3 weeks and I'm still waiting. the company has lied to me several times and are continuing to be dishonest. I'm wanting my mortgage transferred to a different company cause I don't fill confident with Village Capital is capable of handling my account and I'm worried that they will hold this against me for fussing with them ... They are telling me that I can refinance my house but I just did and I don't want to pay out another 5 thousand dollars to refinance again. I would be extremely grateful for any help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}.

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 2019-11-18
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to the ER ( XXXX XXXX XXXX Florida ) on XX/XX/2019 and XX/XX/2019 and the hospital did not bill my insurance and sent me to collection. I spoke to the collection agency and they said they could not do anything and to contact my insurance. I contacted my insurance and they never got a claim for it so that's why they did not pay. Now this is affecting my credit and not letting me get a loan to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX The above companies have collections and/or charge-off accounts on my credit reports I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These accounts need to be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
capital one credit card is reporting on my credit report at XXXX i have and account with them from XXXX as an authorized user. i do not have and account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with all three credit bureaus. About 2 collections on my credit report for the amount of {$340.00} reported on XX/XX/XXXX. And {$59.00} for XX/XX/XXXX. I have no knowledge of Ar Resources. I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I disputed information on my credit report I waited the 30 days they sent me a letter saying it had been verified. So I contacted the court and they sent me a letter saying they didnt verified it. So I sent the letter asking how did they get their information from and to send me the verified information they refused and said it was verified. I never received how it was verified nor did they send any information and today it remains on my credit report.

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 2021-04-28
Company: MoneyLion Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Received a notice in the mail from XXXXMoney Lion. The notice contains a card that has a chip and is not a promotional offer. The notice has my last name spelled incorrectly. I have never heard of this company and did not request this card. I reported the mailing to the FTC and contacted the NYS attorney general who suggested I submit this complaint. I also ran a credit report to check for any issues. 

I did go on this XXXX 's website and it states in order to obtain a card of this sort, a deposit must be made into an account. There were mixed messages on whether or not to reach out to the company directly, as I would have to provide my actual personal information to them to 'close ' the fraudulent account. I would prefer not to provide any information as I have no idea what this is or why it was sent to me.

Company response to consumer: Closed with explanation