BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: COOLEY ENTERPRISES 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:
On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has  decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score. 

Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX  has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsKeep up the good work. 
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX   has reported that your credit score has decreased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX. 
Details Updated Score : XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've been a customer of Macy 's since 1982. Disgracefully, they have my credit limit at {$1300.00}. I wanted to make a furniture purchase that totaled {$1400.00}. My credit score is XXXX, my household income is $ XXXX combined, I lifted the credit freezes I keep on my account for safety reasons and they refused to increase my account despite a long and exemplary credit record with them. I believe this is due to my age and ethnicity - I'm XXXX  and do not fit the demographic they target in their advertising.

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 2020-11-16
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dynamic Recovery Solutions contacted me on XX/XX/XXXX for a capital one credit card account that was closed in XXXX. This debt has not been validated and it is passed the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Wells Fargo-They contact me. I filled out the application and I was approved for a credit card with a {$3500.00} limit in XXXX XXXX. 

As of today my balance is approx. 1800.00. Last month I made a payment on XX/XX/2018 of XXXX, when my minimum due was only {$27.00}. 
Today I tried to make a card purchase with this card. After trying three times, I was unsuccessful. I called Wells Fargo and they told me based on my credit reporting status they reduced my limit. I asked them how can you just reduced my limit when I only had the card 3 months. Secondly I paid you more than your requested. I told them they didn't give me a chance to show them over time that I would pay them back and lasting how can you just decrease my card with no notification. 
Furthermore, I just paid off a vehicle financed through Wells Fargo Dealership. I fulfilled my contract for 72 months and was never 30 days late! 
I could of needed my card in a emergency situation. I could of been out of town or out of the country and depended on this credit card to get back home! They just reduced my limit with absolutely no warning and in my opinion no reason ... my fico score status is the same as it was when they gave me the line of credit. Now since they reduced my credit card limit, this is lowing my credit score, because now it is up to the limit!

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 2018-03-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The main problem I am having is with coinbase. When I first made coinbase back in XXXX, I chose coinbase over other platforms because it didn't require SSN which I don't have since I am an XXXX XXXX in the United States. Ever since XXXX, I spent about 700 $ ( including transaction fees ) on purchasing litecoin on coinbase. However, recently when I tried to log into coinbase, they locked my account saying that they needed " additional customer information '' and asked me to type in my SSN ( which I don't have ). Therefore, I'm currently unable to access my coinbase wallet, even though I wanted to pull out all my litecoins. I didn't gain any profit from my purchase so I just wanted to pull out at a safe point where I only lost about 50 , but due to coinbase locking my account, I'm no longer able to do anything but sit and watch my investment diminish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My ex-husband and I divorced in XXXX. I was awarded our house in the divorce and he filed a quit claim deed. He filed bankruptcy in XXXX and because he is on the deed to the house was told to list it on the bankruptcy even though it would not be included in it. During all this time from XXXX to present, I have been responsible for the mortgage payment. Payments have been made on time. The loan originated in XXXX and was in my name only and we refinanced in XXXX and at that time my ex husband was added to the mortgage. My name was not included at all in his bankruptcy. Fast forward to XXXX, I apply for a new mortgage and am told my mortgage is not on my credit report. There is no record of me having a mortgage even from XXXX or from XXXX. I called my mortgage company and they said in XXXX when he filed bankruptcy they stopped reporting mortgage payments. I could understand this if was still responsible for the loan in anyway or if we were both listed on the bankruptcy. I don't understand why my credit reporting was stopped due to his bankruptcy. Now, I have no record of 16 years of mortgage payments in excellent standing. My credit is horrible through no fault of my own. The mortgage company said they will start reporting my mortgage payments as of XX/XX/XXXX but will not do anything about the past 16 years. I would like my credit report to reflect my mortgage for the entire life of the mortgage or at least from XXXX forward. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made a partial deposit payment with my XXXX XXXX XXXX XXXX Credit Card for kitchen and bathrooms cabinets to XXXX XXXX in XXXX XXXX, California, a company who after months of false promises didnt deliver the cabinets, later closed for business and currently being investigated by the Attorney General for 17 counts of Grand Theft of Personal Property and one count of enhancement of Aggravated White Collar Crime. After notifying the credit card company about the issue, they refuse to give me a refund of the XXXX XXXX dollars I had paid them. Heres a summary of the issue : I ordered kitchen and bathroom cabinets from the above mentioned company on XX/XX/XXXX, to be delivered within 8-10 weeks, paid their required 70 % deposit with the balance to be paid when the cabinets were made and ready for delivery. On XX/XX/XXXX I received an email from the salesperson confirming delivery for XX/XX/XXXX. 

After the delivery date came and went and many unanswered calls from the store requesting status of my order, on XX/XX/XXXX I called again, this time my message was to cancel the order that was approx. 45 days passed the scheduled delivery date. Finally for the first time the owner returns my call saying I couldnt cancel and refused to return my money. The deposit was paid with four different credit cards so I disputed the charges. After reviewing the facts, three of the four credit card companies credited the amounts paid except for the {$7000.00} paid by using XXXX XXXX XXXX XXXX credit card. 

I have been disputing this charge with XXXX XXXX credit card for over a year sending them all the information and documentation they requested, giving them a chance to revisit the case on three separate occasions and they still refuse to credit the funds into my account saying the charge is valid. I understand the charge was valid when processed but after many false promises XXXX XXXX did not upheld their end of the contract intentionally committing fraud by stalling and not delivering any product, closing for business and not honoring the contract and the credit card company still declined my request. 

Ive always known that one of the benefits of using credit cards is for consumer protection but this clearly has not been the case with XXXX XXXX XXXX XXXX Credit Card issued by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Loan XXXX - XXXX Loan XXXX - STEARNS Property : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

1. I, XXXX XXXX, refinanced with XXXX XXXX on XX/XX/2018. Stearns was my existing payoff lender, and sent a payoff good through XX/XX/2018. 

2. The Funds from Title went to Stearns on XX/XX/2018. 

3. Stearns and XXXX XXXX both confirmed that Stearns would transfer the funds to XXXX XXXX. Instead, The payoff funds were held by Stearns, and then returned back to escrow. 

4. Escrow immediately notified me on XX/XX/2018, and I requested an immediate wiring of funds to XXXX XXXX, since Stearns was not accepting the payoff funds. 

5. Because payoff date was erroneously labeled as XX/XX/2018 by XXXX XXXX, I was now SHORT of funds to XXXX XXXX. XXXX removed money out of my escrow balance to cover the difference. 

6. This is the problem : My funding/recording date is technically XX/XX/2018 NOT XX/XX/2018. I have been paying interest to BOTH XXXX XXXX AND Stearns/XXXX during this overlap. 

My Escrow Balance should be {$2600.00} NOT {$2000.00} My Principal Balance was {$420000.00} after XX/XX/XXXX Payment was made. 

- See attached final closing statement from title to prove funding date of XX/XX/2018. 
- See attached Grant Deed from county to prove recording of XXXX XXXX was on XX/XX/2018 - See attached payoff from Stearns that it was good through XX/XX/2018 which is past the closing date of the refinance. 
- See Escrow Balance on Account History and Mortgage Statement. And See Attached Check Receipt on my refund of only {$2000.00}. Stearns/XXXX overcharged interest, and took it out of the escrow account.

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: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a payment due to Shell Gas Credit Card- Citi CardXXXX on XX/XX/21. I received a payment on XX/XX/21 and did bill pay through my financial institution same day XX/XX/21. I was told my payment would go through on XX/XX/21. Unknown to me it was not an electronic transfer from my financial institution to the credit card company, but a check that processed on XX/XX/21 and not received until XX/XX/21. I asked for a late fee waiver due to one my payments are not as regular as should be due to pandemic and not understanding that payment would be an electronic check instead of ACH into account. Also it is stated on their website that the mail is slower than normal during pandemic times to contact them if experiencing a delay. I've done what was required of me and did notify them asked for a waiver and was denied because they stated they did not receive my payment on time. Normally, I would not complain, but I do find this to be unfair practices. They are allowed to lower my balance to show I have a higher risk concern during pandemic times, which too is unfair. My finances are due to not being able to work consistently during these times and still I am being penalized for the world being deemed in a state of emergency. My only request was to have the late fee waived, nothing else.

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 2020-05-23
Company: NRA Group, LLC
State: MA
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 this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/201about i spoke to a XXXX at XXXX XXXX  and Crown Asset management ( my complaint is about both companies ) XXXX XXXX XXXX XXXX XXXX in CA and GA about a debt they just received they say is mine. I started talking about doing a debt settlement, when a XXXX burst on the phone and stating i can not get the money and started insulting me and threatening me and yelling at me and very abusive to me, then hung up on me. 

I am XXXX years old and this threatening and vertebral abuse is not right and maybe illegal. 

I also requested a Debt Validation which i am suppose to receive by law. I requested in the first 30 days. 

I am also going to file a complaint with my attorney general in the state of Nevada

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Radius Global Solutions LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hello, a servicer named Radius Global Solutions submitted a garnishment order to my employer 's Payroll department to deduct {$160.00} per pay period, claiming the CARES mandate was lifted as of XX/XX/2021. The servicer claimed they were hired by the original servicer, XXXX. Based on my research and understanding, the CARES Act has been extended til XX/XX/2021 for student loan servicers to garnish wages. I need assistance sorting this matter out, as my payroll department insists they must move forward with garnishment unless they receive something from Radius Global Solutions.

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 2022-01-08
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ON XX/XX/2022 I CHECKED MY CREDIT AND IT WAS FLAGGED BY DEBT RECOVERY THEY ARE CONTACTING ME AND I'VE ASKED THEM SEVERAL TIMES TO STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Tried to reach Pentagon Federal C U with no success. They are trying to charge extra fees on payoff ( refi ) of their first mortgage on my home. These " fees '' ( " release '' and " recording '' ) were never revealed when we signed up for the mortgage, and we were told we could prepay the mortgage at any time without a penalty. These supposed " fees '' are simply penalties ( and income for them ) in disguise.

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 2022-12-18
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been paying of this loan for years and my balance isn't going down AT ALL. Call Sallie Mae and informed them they tell me I have a variable interest rate I told them I have a fix interest rate also ask them to start mailing me my statements every month still haven't received any information on this loan in mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citi bank closed my checking account on XX/XX/2019, without send me a notification first and they told me once all the transaction is completed from pending then they will process closure my bank checking account and will issue me a cashier check for my remain money from my checking account, and all transaction completed at the same day XX/XX/XXXX and they still haven't mail me out the cashier check and i'm still waiting for it, i got all my money in it. so i called them today and asked them if they closed my account today and mail me out the cashier check i supposed to get from last week and they told me no and i asked them when are they going to closed my account? and they told me there's no time frame for it. so they are holding all my money and i could't get access to it at all.

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