BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity - BJ Perks Mastercard automatically charged me the membership renewal and sent me the bill, which I received on XX/XX/20. I called the bank on the same day, explaining that I did not renew BJ membership. The bank representative said I have to speak to BJ customer service and forwarded the phone over to BJ. BJ customer service confirmed that they will send the credit back to Comenity bank ( ticket number XXXX on XX/XX/20. ) BJ customer service also said she will email me ( XXXX ) confirming my account is clear, but I never received any email. BJ also said the refund will take place in 6 days ; so it would have been XX/XX/XXXX. On XX/XX/XXXX I received the 2nd bill from Comenity bank with the original charge plus {$2.00} fee charge. I called Comenity bank the 2nd time, explaining the the whole problem and asked the bank customer service to clear all the balances then close my account. The bank confirmed that the balance was XXXX and closed my account. 

On XX/XX/XXXX I received the 3rd bill from Comenity bank with the balance representing only fees of {$30.00}. I called the bank, spoke to XXXX ( or XXXX ), then XXXX and XXXX. XXXX wasn't able to resolve it because of his authority, which is understandable. XXXX said I have to pay the fees, even though he knows it's not my fault. XXXX finally was able to resolve it by reopen the account and credit back all the charges. XXXX confirmed with me that the account bears XXXX   balance as we spoke. I appreciate XXXX efforts cleaning the mess BJ and Comenity bank created. I want to make sure I won't receive the 4th bill from Comenity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: WELLS FARGO & COMPANY
State: PA
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:
Dear Sir/Madam Consumer Financial Protection Bureau Wells Fargo Card Services made two unauthorized Inquiry - XX/XX/2018 XXXX only - XX/XX/2018 at XXXX and XXXX so i have fraud alert on my credit report with 3 national agencies XXXX, XXXX, XXXX and contact them two time,  sent mail and request to remove this unauthorized inquiry from my credit buy the didn't response, so i'm asking Wells Fargo Credit Services to remove this unauthorized Hard inquiry from my Credit

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 2021-07-05
Company: Frost-Arnett Company
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I sent a debt validation letter by certified mail to debt collection agency Frost-Arnett I'm XXXX, TN. It was signed for on XX/XX/XXXX by a XXXX XXXX. In this letter I had asked them to not contact me until they could provide this validation, which is also a federal law. I have since received multiple phone calls in attempt to collect the debt- all of which were forwarded to my cell phone through my employer. This means they have not only violated federal law by contacting me after they were asked not to, but they have also been contacting my place of employment after being asked not to. Phone calls have taken place on the following dates and times : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX XXXX @ XXXX I have yet to see a letter confirming validation of this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: JPMORGAN CHASE & CO.
State: PA
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:
Dear CFBP Team please be consider this complaint against this creditor This is the second Complaint against Chase Card and they don't want remove Hard Inquiry was made on XX/XX/2018 with unauthorized by me, and if they have proof i did applied for credit let them show up otherwise remove this inquiry i and they say we will mask that inquiry, now i'm open complaint again to remove from my credit Report with XXXX   and already has fraud alert on my credit report with all national agencies attached copy mail from Chase Bank that im not applied and they said we think its fraud First Complaint : on XX/XX/2018 Chase bank Run my Credit and left Hard Inquiry on my credit so i did fraud alert with 3 agencies, XXXX and XXXX XXXX XXXX and i contact Creditors who run my credit and most of them remove the inquires so with Chase bank i received letter from them and say that : we declined an application for a new account because we couldn't confirm the information on it, we're concerned someone may be using your personal information fraudulently and instruction steps to do fraud, so i contact them and sent letter and they response the hard inquiry made was valid so i want open complaint against chase bank to remove Hard Inquiry was made Unauthorized with a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of recasting my current mortgage. XXXX XXXX/Loancare agreed to accommodate my request and I initiated the process by submitting a {$100000.00} principle payment and completing the documentation required my XXXX XXXX/Loancare. A signed and notarized Agreement for Modification and XXXX was sent via overnight courier on XX/XX/21. The agreement was additionally, uploaded using XXXX XXXX/Loancare 's online document center. XXXX XXXX/Loancare 's instruction letter states that this process may take up to 20 days and will reduce my monthly mortgage payment. 

To date, I have been unable to make contact with anyone in the specific department that handles reamortization. Customer service reps claim to have not received documentation sent via overnight courier with proof of delivery and uploaded documentation submitted through the online document center, also with proof of receipt. 

I have made multiple efforts to get this process back on track through phone calls, e-mails and letters sent via USPS. All attempts have been completely ignored and I am unable to get any kind of status update or timeline on when or if this process XXXX XXXXLoancare agreed to will actually happen. 

At this point, It seems that I have been duped into making a {$100000.00} principle payment and that XXXX XXXX/Loancare has no intention of reducing my mortgage payment as promised.

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 2021-02-10
Company: Experian Information Solutions Inc.
State: IL
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:
This letter is in response to your phone call about the letter dated XX/XX/XXXX, concerning the above-referenced account number. This is an " unauthorized account '' and I also have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired after five years. This account is dated for XX/XX/XXXX on my consumer report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Please review the FTC Theft report. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. 

NOTE : The Appellate Court of Illinois, First District, recently held that a credit card agreement was an unwritten contract subject to Illinois five-year statute of limitations, rather than its 10-year statute of limitations. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX, XXXX WL XXXX, at XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Secured Resolutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Yesterday XX/XX/18 I was utterly humiliated. XXXX at Secured Resolution ( XXXX ) called by office. 
Due to the nature of my employment I am a XXXX  and answered by phone call on speaker phone where I was XXXX an employee on how to handle XXXX XXXX. 
XXXX asked for me by name. I intentionally didnt not confirm by name but instead I asked who was calling. At this point I kept the phone on speaker phone thinking this call might have been a contractor calling that needed to be transferred to another department. 
XXXX then proceeded to tell me that I have an open bill and with XXXX XXXX. Now my entire office knows I am in debt and since the XXXX XXXX is a very popular XXXX XXXX by entire office knows I was pursuing XXXX XXXX. This is something deeply personal to me and that I did not want shared. It was so embarrassing. 
I quickly asked XXXX to call me on personal phone ( which should have been attempted first ). I confirmed my personal telephone number then XXXX continued to the mini Miranda. I had to hand up the phone on XXXX because I was at work doing by job. The Mini Miranda is supposed to be said before disclosing information. 
TO be honest I probably have a lawsuit on my hand : 1. I did not confirm who I am before Secured Resolution disclosed I have a debt 2. My personal number was not attempted before my work line 3. Personal information was divulged before giving the mini Miranda 4. Even after I told XXXX that he will have to call me on personal number he still persisted to continue disclosing 5. And if I had to guess XXXX did not remove my work number 6. Now Im in a very uncomfortable situation in my place of work due to the nature of this debt being disclosed.

What I would like to see : 1. My work telephone number removed 2. The employee need to be removed from his position or put through a training program 3. I should receive an apology letter 4. As an apology I believe Secured Resolution should take of these debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
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: Problem with personal statement of dispute

Complaint:
I disputed the accuracy of reported bankruptcy under my social security number. I asked for validation and proper supporting documents how this information was verified and was never provided the supporting documents why this entry remains and how it was verified. I included a letter from courts that specifically states they do not verify such with the any credit bureau. I ask for this entry to be deleted please.

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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CapitalOne Bank is experience " technical issues '' resulting in no access to funds. My direct deposit has been confirmed with my employer and is fine on their end but has not been deposited in my account. When I try to access my account the app and website are down and the customer service number automatically hangs up when it states that it is transferring me to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went in for a procedure in XXXX of 2016. I was told the procedure was {$5000.00} flat fee all included and insurance covered it. I paid my copay and had the procedure done. Now, 2 1/2 years later, this is on my credit report for {$910.00}. Much of this is fees and add on XXXX. charges for surgical trays and a consultation that were never mentioned. I had the procedure on the same day as the consultation where I was given all of the information. They checked my insurance, verified it was covered, took my copay before they would operate and then performed the procedure. The attached invoice shows that the insurance company actually paid them more than their quoted price that they offer when someone inquires. The procedure caused many undesired complications which I am still dealing with and now the Dr. is trying to collect on fake fees and trumped up consult and tray charges. Seems to be more of a greed driven business than a Dr . 

I am happy to discuss and I will be doing anything and everything possible to get this false charge off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Between the dates of XX/XX/XXXX and XX/XX/XXXX I authorized XXXX transactions for digital currency as I listed below through Coinbase ( www.coinbase.com ), using my debit card, which I have since cancelled. I am attaching the email receipts for purchased coin on the XXXX transactions I authorized. 

There are XXXX total transactions I approved, all with different amounts then what Coinbase is double-charging me ( see email confirmations in attachment for authorized amounts ). 

The dates are as follows for approved transactions : XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$89.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$76.00} XX/XX/XXXX : {$73.00} XX/XX/XXXX : {$64.00} -- -- -- -- -- -- total : {$590.00} authorized.

Instead of being charged the above, I have been double charged as follows on my bank account for slightly different amounts ( including screenshots of my bank account on for documentation ) : 2/5 : {$84.00} 2/5 : {$90.00} XX/XX/XXXX : {$130.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$64.00} XX/XX/XXXX : {$64.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$90.00} XX/XX/XXXX : {$130.00} -- -- -- -- -- -- -- -- -- -- -- - {$1200.00} unauthorized. 

I am owed the difference on this and have been unable to get any response from the responsible party, coinbase. I have already completed a fraudulent case with my bank, XXXX, case # XXXX. 

By my calculations, {$1200.00} ( unauthorized transactions ) - {$590.00} ( authorized transactions ) = {$610.00} due back to me. 

My coinbase account name is : XXXX and my case # with coinbase is XXXX. I have waited almost two weeks to get these charges resolved with them with no movement or response. Please assist if you can as this is a lot of money to me. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CITIBANK, N.A.
State: OH
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:
My account that has been open for over 10 years was closed with no warning or opportunity to prevent closure. I was notified via email at XXXX XXXX  EST that my account was closed, called immediately requesting that the account not be closed, and was told that to reopen the account I would have to get a new account with a full credit check. 

I was giving not given sufficient warning that was going to happen, and this is negatively affect my credit score.

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 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX purchased my information from Capital One Bank USA, and is trying to recover what they say I now owe them in the amount of {$880.00}. I have no contract with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD FED LOANS HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.

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 2018-02-16
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have {$9700.00} on deposit with Coinbase, the digital currency platform, headquartered in California and licensed as a money transmitter in my state of residence ( Oregon ). I funded the account via same day USD wire transfer from my personal checking account over 6 weeks ago. Despite previously executing various trades successfully, Coinbase is restricting the use or withdraw of my funds due to an automated ID verification issue with their platform. My ID was previously verified successfully and I have several support tickets open dating back to XX/XX/XXXX to address this issue, however I have not received a single response to these tickets. Phone and email support are disable for my issue, and despite every effort to contact the company, they are stonewalling me and holding my funds hostage. It seems there are many other depositors suffering the same abusive/fraudulent practices of Coinbase and based on my research there has been zero accountability. Conveniently, they have no issues accepting deposits, but a long list of complaints and issues relating to withdraws, account closures, and any other form of depositors claiming their funds. I really need my money back as this is taking a financial toll on me, it would be greatly appreciated if the CFPB could contact Coinbase on my behalf to demand the expedient return of my funds. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home on XX/XX/2019, two weeks after purchasing our home and getting a loan through XXXX our home was transferred to LoanCare, A XXXX Company Attn : Mortgage Resolution ( XXXX. XXXX XXXX XXXX  XXXX, VA XXXX ). We have never received a statement or any documentation stating the account was going to this new company. We have never received a loan number, payment amount or any information stating what date our mortgage was even due. I contacted XXXX whom gave me the companies information. I then called LoanCare, A XXXX Company Attn : Mortgage Resolution ( XXXX. XXXX XXXX XXXX XXXX, VA XXXX ) and the rep. stated she would mail me a statement which never happened. I called again today XX/XX/2019 for them to tell me our loan is one month delinquent and the next payment is due tomorrow. I requested a supervisor and let her know that they never sent me anything and I can not make a payment until I have the paper documentation. She read me the address they have which is the correct street address but incorrect city and zip code. I t hen requested my past due payment be moved to the end of my home loan since this is NOT my mistake.. the woman said they will not do this. I requested her supervisor and have not heard back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
5/3 bank made a XXXX  payment transaction of {$430.00} while I am not even a XXXX  customer. I notified the bank many times and no action has been taken to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I received notification from my credit monitoring XX/XX/XXXX that my credit score decreased by 26 points due to reporting an over 30 from Wells Fargo. I have never been 30 days late. I just spoke with a representative XX/XX/XXXX and authorized a payment. I was not advised that I was or had been 30 days late. I was advised that my payment was 12 days late. Prior to that I had made a payment over the phone and was not advised that I was 30 days late. The website is not user friendly and every month when I log in to make a payment I am locked out and I have to go through the process of forgot password and still unable to get in to make a payment. Then I am forced to call in and rely on a representative to process payment. I want the 30 day mark removed from my credit immediately. This is inaccurate credit reporting and a violation of FCRA. A data furnisher has a duty to provide accurate information. I

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