BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I submitted an transaction on Coinbase to transfer XXXX litecoin from my coinbase account to my hardware wallet address on XXXX XXXX. It 's now 6 days later and the transaction is still pending and the transaction hash is not on the blockchain. I 've made multiple attempts to contact coinbase support to get this fixed and they 've been unresponsive no matter the avenue I try to contact them through ( coinbase support email, XXXX support email, XXXX, XXXX etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: RIA FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Order Summary Order Number : XXXX Order Status : Deposit in Transit Your money transfer has arrived! 

The money transfer you sent has arrived. Let your recipient know that it will be deposited in their account soon. 
Order Timeline Money Transfer Created XX/XX/2018, XXXX XXXX GMT+9 In Transit XX/XX/2018, XXXX XXXX GMT+9 Sent to Agent XX/XX/2018, XXXX XXXX GMT+9 not complete.

please help me they don't deposit my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: NCB Management Services Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX account was not open XX/XX/2016 vechile not safety to drive the bracket that held back up was never report on XXXX XXXX. it was discover after in accident with a XXXX car NCB Management Service XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Citi Aadvantage business card advertises a free bag checked on XXXX flights. I arrived to the airport today and was told it would cost me {$60.00} ( {$30.00} each way ) to travel with a bag. I informed the agent the bag should be free because I have the Aadvantage card. She informed me that people often think this because the card advertises free bags but the card only provides a free bag on select flights. This is unacceptable false 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 explanation
Consumer complaint received 2017-11-21
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am currently enrolled in a XXXX XXXX XXXX program for all my medical bills. Harvard Collections Service was deducting $ per month until I enrolled in the program. Once enrolled in the consolidation program, the agency were informed to cease deductions. They were provided the information to call to work with XXXX ; however, they continue to ignore and deduct without consent. In XXXX they continued to deduct which lead into XXXX and most recently in XXXX. I have spoken with the representatives and informed them to stop. They are calling repeated, continue to deduct from my bank account after they were instructed to stop. The deductions caused overdraft charges. I spoke with the manager, XXXX XXXX XXXX informed him he is violating my rights, deducted without consent. I sent an email and a certified letter ; however, filing a complaint since my efforts are ignored since XXXX. I will contact my bank and advise them any more deduction is illegal. they continue to run my credit every few months causing my credit score to drop dramatically which is effecting other issues. If you help that would be grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the tax year XXXX, I paid over {$42000.00} in mortgage payments to Seterus. However, Seterus sent me Tax Form XXXX for the XXXX, showing XXXX was paid in mortgage interest. See the attachment. 

This clearly an error. In XXXX, over {$25000.00} of my mortgage payments went to mortgage interest. Someone at Seterus should have realized XXXX error before sending the form. 

On XX/XX/XXXX, I contacted Seterus by phone. I thought that it would be a simple matter of looking up my account and giving me the number over the phone. However, the staff person I initially spoke to said it could take two to three weeks! I asked to speak to a supervisor and was put through to XXXX XXXX. He promised hed get back to me by the end of the week, XX/XX/XXXX. 

I never heard from him.

Seterus is violating federal law. Tax forms were to be mailed by XX/XX/XXXX. By Seterus submitting an incorrect Form XXXX, they effectively submitted no form at all. 
Seterus error is preventing me from filing my XXXX Federal and State Tax return.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Select Management Resources, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$150.00} title loan years ago. I paid {$100.00} the following month leaving a {$50.00} balance. 
The transmission went out and was towed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They informed me the bill was {$350.00} plus {$75.00} per day for storage. I only paid {$200.00} for the XXXX  XXXX. Im on XXXX XXXX XXXXXXXX and could not afford that. 

Only oweing {$50.00} to the title place I called them to inform them of my unfortunate situation, they got really rude! Their response was THEY DONT CARE! 

6 Months ago they tracked down my phone number. 

For 6 months straight 3 to 4 times a day they call and threaten me saying I owe them close to {$1900.00}! I asked please stop jamming up my phone like that. 
Their response was, we are not going to stop until you pay us money!! 

My XXXX phone bill shows every call, and now they are using a software on me disguising their number! 
I am so tired and sick of it. I do not want to change my number and feel I shouldn't have to. 
I took some legal advice and found out they can be fined up to {$500.00} for each time they called me. That would be my last straw! I wish they would please just stop!! 


It is Loanmax Title Loans in XXXX Kansas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i XXXX XXXX have tried on several occasion to resolve my issues with Transunion everytime i file a CFPB report they keep using a stall tactic and stating that they need verification from me to proceed this is very frustrating and i feel like i am being taken advantage of. There are 3 accounts that are being reported on my credit report that i need removed which is XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX BECAUSE MY CONSUMER RIGHTS HAVE BEEN VIOLATED, I HAVE SUBMITTED AN AFFIDAVIT OF TRUTH AND GOT IT NOTORIZED THIS IS THE LAST CHANCE I AM GIVING TRANSUNION TO FIX THIS ISSUE BEFORE I SEEK LITIGATION, I NEED THOSE 3 ACCOUNTS LISTED ABOVE REMOVED PERMANENTLY FROM 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 2020-09-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to report that on my XXXX credit report appeared a company XXXX XXXX based in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA showing a revolving credit that did NOT apply for. More over I have noticed 3 hard inquiries from Capita One ; Credit One Bank NA and XXXX XXXX XXXX, XXXX XXXX that I did NOT place. I have contacted XXXX  and they said they do not see such loan under my name, I have attempted to contact the other 3 companies about the hard inquiries unsuccessfully. I have also reported the issue to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: KY
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 account magically appeared in my profile. I do not know who filed this account but its not mine and I do not know this account. I believe I am victim of identity theft or error in reporting. Please check this account and fix this error in my profile Account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
During the end of XXXX due to a Tropical Storm, a declared disaster, and most of XXXX due to Covid 19 affecting my business I had difficulty making payments on this account. However, I do believe that some months that reflected as not paid were paid. 
I called XXXX XXXX  XXXX in XXXX and worked directly with them to pay the account and stated that I did not want this account to reflect as a charge off and would be willing to pay full amount with no discount provided that the account would not be closed reflecting a charge off status. I believe that the rep may have offered a small credit but it was agreed explicitly that once paid the account be marked paid in full and not be a charge off. 
After full payment-my report now shows " charge off " for every month from XX/XX/XXXX to XX/XX/XXXX. When I paid them the full balance ( possibly less a small credit ) it was agreed that this account would reflect paid in full and WOULD NOT be a charge off. 
I now have a monumental impact to my credit by having 12 charge off indicators on my report after I held up my end of the bargain and paid more then their offer of settlement in order to prevent this and make good on my obligations. 
I have disputed with XXXX XXXX  XXXX and the credit bureaus mainly Experian with no success in resolving this issue.

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 2018-03-19
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Mortgage Servicing did a loan modification with me in XX/XX/XXXX with a clause that stated when I paid back the loan I would owe 25 % shared appreciation. It did not state that the shared appreciation would survive any future modifications. I completed another modification XX/XX/XXXX. When the paperwork arrived there was nothing in it about a shared appreciation. I specifically asked my relationship manager if the 25 % shared appreciation was still part of the new modification. She said " it is not listed in this paperwork so it is no longer in force, but if you aren't sure you can have an attorney look over this modification. '' ( Having an attorney look at the modification would not have helped as the paperwork did not mention the shared appreciation. ) When I asked regarding payoff last week I was told I need an appraisal because of the shared appreciation. When I told him what my relationship manger said, he said " you still owe it even if she gave you bad advice. '' ( They record all conversations so there will be a record of what my relationship manager told me as well as the agent I spoke to XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please pay attention to my problem, I found account and I can not understand how this possible? Why we have poor reporting and scams? This account is not mine and I would like to start investigation and remove this item 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 2021-06-07
Company: EQUIFAX, 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:
i XXXX XXXX have tried on several occasion to resolve my issues with EQUIFAX every time i file a CFPB report they keep using a stall tactic and stating that they need verification from me to proceed this is very frustrating and i feel like i am being taken advantage of. There are 2 accounts that are being reported on my credit report that i need removed which is XXXX XXXX AND XXXX XXXX  BECAUSE MY CONSUMER RIGHTS HAVE BEEN VIOLATED, I HAVE SUBMITTED AN AFFIDAVIT OF TRUTH AND GOT IT NOTORIZED THIS IS THE LAST CHANCE I AM GIVING EQUIFAX TO FIX THIS ISSUE BEFORE I SEEK LITIGATION, I NEED THOSE 2 ACCOUNTS LISTED ABOVE REMOVED PERMANENTLY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I originally opened this line of credit in XX/XX/XXXX. I am making payments on time via automatic payments. XX/XX/XXXX, the original account they had on file is no longer in use. I go online to try and change it. It says to update. Please email us. Ok done. No response. I email again a few weeks later because my due date is coming up still no response. I called their customer service line, and all I get no rep is available to help you right now ; please try again later this has been going on since XX/XX/XXXX. It is now XXXX ; still, no response, but they have the ability to update my credit report as past due! It is not past due. I WANT to pay it, but the company is ignoring me. I have SEVERAL documents showing how I have tried to reach out with no resolution. I want my credit reports updated correctly to show as paid as agreed or to contact me to pay this line of credit off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I overpaid on my mortgage payoff in XX/XX/2021 by {$2800.00} and Mr. Cooper is not giving me back my money. It is now the end of XX/XX/2021. I have called them twice and each time they said they are sending me a check. No confirmation number or anything to track that they are doing something so I have no way of knowing whether they are telling the truth. What kind of recourse do I have to force them to give me back my money? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: BARCLAYS BANK DELAWARE
State: OH
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:
In XX/XX/XXXX I applied and received a Barclay Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted Barclay to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called Barclay back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because Barclay has been reporting me late every month. How can this be when they take the money automatically each month. I called Barclay that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called Barclay again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.

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 2021-03-02
Company: FIRST HORIZON BANK
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance with Iberia Bank. I was told that I was locked into a 3.375 % interest rate multiple times by XXXX XXXX. I signed the disclosures and provided information for appraisal to be ordered to move the process forward. Two days later XXXX ( who previously was so anxious to talk and text ) sent an email stating that she actually hadn't locked the rate and it had increased to 3.875 %. This equates to $ XXXX per month, $ XXXX more annually and over $ XXXX more throughout the life of the loan. While I understand mistakes happen this is one that is completely within Iberia 's sandbox and I shouldn't be penalized from a financial perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Someone please assist me! I am in dire need of some assistance with my mortgage loan because the mortgage company wants to foreclose my home. I got behind two and a half years ago after my husband left me for another woman. He was the primary provider for our family and when he left I was not working which is why I fell behind. I've been struggling just to by food ever since and have relied heavily on the assistance of my children but they can not financially afford to bear the burden of my expenses any longer and it is taking a toll on their income now. I am currently in the process of trying to work this out with the mortgage lender so that I do not have to deal with a foreclosure on my credit after going through so much already these past two years. I have submitted all of the paperwork asked of me and yet the company still has an auction date scheduled. Rushmore has sent me numerous documents advising me to either apply to modify my loan or do a short sale and since I am unemployed, I do not qualify for loan modification so short selling the home is my only option. I just need 60 days to get this done, I have a willing and able buyer that has made an offer. Who knows what the lender may get if they decide to sale my house at an auction, they may not even get he amount they are looking for so it's worth taking the time to work with me because this is a solid buyer. Please help me get in touch with someone who can take a look at my file. I am begging for Rushmore to work with me, I can not afford for the home to foreclose and be reported on my credit, it will destroy the little bit of creditworthiness I have left.

Company response to consumer: Closed with explanation