BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wired {$20000.00} to Coinbase on XXXX XXXX 2017 and within a week they rejected my wire due to the names on the account not matching. I have yet got my money back after several calls and emailed to XXXX and to their bank in NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on mortgage payments in XXXX for several reasons, the main being a hit and run car accident and XXXX. I contacted USBANK ( the mortgage holder ) to try and work out a plan to catch up with payments, and they put me on a plan that increased the monthly payments for 3 months to cover the months that I missed. This was a bad plan, as I did not have these larger payments in my budget, so I started spiraling in debt. I contacted XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), received counseling, and they got me set up to apply for the MD HAF program. I officially applied for MD HAF on XX/XX/XXXX, and I called US BANK to let them know. MD HAF officially accepted my application on XX/XX/XXXX. On XX/XX/XXXX, the MD HAF portal showed that my application was with underwriting and they had sent a request to USBANK for more information. I called USBANK to confirm that they were sending requested documents, however I was told that they ( USBANK ) had received communication from HAF and that they ( USBANK ) was proceeding with a foreclosure. I received an NOI in the mail. I contacted USBANK many more times between XX/XX/XXXX and XX/XX/XXXX - always the same conversation - Me telling them that MD HAF is in underwriting, and them telling me that my house is in foreclosure. They hired a foreclosure attorney. I spoke with a representative from HAF on XX/XX/XXXX, who told me they have sent document requests on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still have not received the requested documentation. USBANK is pushing through a foreclosure while I am trying to get housing assistance, and they are not complying with MD HAF requests.

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 2017-10-12
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company Making RoboCalls : Municipal Services Bureau Their Phone Number : XXXX My Complaint Against Them : I am retired and have been debt-free for over 30 years now. I keep getting RoboCalls from this company, and they do n't even mention me by name when-making these automated-calls ... which leaves me to believe it is some kind of SCAM or MISTAKE on their-part. Perhaps they are 'seeking to find ' someone ELSE, however - it ANNOYS me to be getting 8-10 calls a WEEK from these people ...! Are-they 'human ' - or are-they ... ROBOTS?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Date of incident XX/XX/19 at XXXX hours Collection agent came to my house and rung the front door, asking for me. My aunt opened the door and told him that I wasnt home. Since we get many visits from solicitors she declined to receive any paper work from agent. My aunt closed the door and agent left an opened Legal court summons ( without an envelope ) on the floor of my front door. As I have evidence of a video, agent walks away an shouts Next time we come to your house, its going to be with a sheriff as he was taking pictures of cars parked in the driveway with in my property. Unfortunately I dont have the audio of him shouting that from my driveway. A few minutes later, my dad was working in the garage as he also heard the shout from the agent. He walks up to my front door and sees the legal open document exposing all my personal information to him. He looks at my paper work and is now in fear of what can happen to me. Since my personal information was not protected properly, my father was able to share my information with the rest of my family members about a debt, my familys peace of mind has been disturb by illegal acts of the agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Problem with Citi Price Rewind program redemption. Bought a TV at XXXX ( {$240.00} ) and found that the price had dropped {$100.00} the next day and local stores quickly sold out. Citi 's " price rewind '' program supposedly offers to reimburse the difference in price when a price drop occurs. I submitted the required materials for the claim, including my purchase receipt and a screenshot of the lower advertised price with the TV in-stock at another store. Citi rep says claim was denied because they could not verify the advertised price over the phone with an store associate. The did not even get a name of the person from the store. 

The submitted screenshot of the lower advertised price was valid and the XXXX associate most likely did not know and/or gave bad info. There is no mention in the T & C 's of this program that a valid advertisement for a lower price needed to be confirmed by a ( nameless ) hourly store associate. 

I have read similar complaints for this card benefit offered though Citibank and wanted to add my story to warn others.

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 2021-09-08
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have received a letter from Lexington Law ( Please see attached ) that I reached out to their company requesting their help on XX/XX/21. I never reached out for their help. 

Ironically, on XX/XX/21 I had another identity Fraud Case with XXXX XXXX occurred to me. Their was another party that tried to gain a personal loan for a XXXX subscription and it was denied because the could not confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Receivable Management Group, Inc. (GA)
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear RECEIVABLE MGMT GROUP After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX  XXXX and XXXX and also sent Portfolio Recovery Associates debt validation in which Portfolio Recovery Associates has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX College XXXX XXXX XXXX XXXX  XXXX misled me promising me employment opportunities and Lifetime refresher courses with a brighter future and the only thing I truly recieved was a useless degree that no one take serious in this city based off the schools reputation that continued to spiral from XX/XX/XXXX-XX/XX/XXXX. Tentative dates..And debt an extreme amount of debt. Not once was I sent on a job interview or even prepped for job placement which was promised upon graduation. They gave us statistics rates and promised a future that if we ever need to go back and revisit accounting or revisit a business course we would always have an open door policy that was not honored either. I started realizing the $ 300- {$500.00} per book only a few words changed. The knowledge recieved was not anything more then I already knew I managed my whole life. They made me believe adding a degree to my life would make me be more marketable. I had a XXXX GPA after looking at my credit report and seeing what this school was doing to me I dropped out. I finally realized that it was a scam all of the student 's were coming to the same conclusion. The material was high school level, I'm at a lack the Lifetime courses I need those the only thing on my credit report is school and my car I am XXXX in debt I have no moral this has ruined me. I use to believe In College before XXXX college XXXX XXXX XXXX XXXX XXXX. Now I don't push my children at all towards it. It's not fair they got off without helping us. If it was a creditable degree I wouldn't be complaining. But Any time mention what school I received my XXXX degree from there is same on my part, and its not taking serious by the reciever of the information. Anyone I have told responds negative in this city like the University XXXX XXXX Scandal. I need help they need to honor relief this is just so intense. Greed caused this they milked us through books through everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX ( XXXX ) datedXX/XX/XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that XXXX was mistaken, the debt was not mine, and I requested validation. XXXX responded with a letter dated XX/XX/XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate  age. This is a case of mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had a fraudulent charge on my best buy credit card. I immediately called them to try to stop the shipment to the wrong address. They did nothing to stop it. 

Now that my current card is closed and they opened up a new card, they carried over the fraudulent charges to my new card - almost {$500.00}

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 explanation
Consumer complaint received 2018-01-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
All of my student loans are being serviced by Navient since XXXX/XXXX/XXXX. Upon receiving my current XXXX XXXX tax form showing how much interest was paid in XXXX, I was alarmed when the amount was quite large. Much Larger than the amount paid towards my principal. So I went into my account and looked at how my payments were being allocated and there is a huge discrepancy in how much is going toward interest compared to principal. I used the interest accrual calculator on Navient 's website to see how much interest is accruing over a 31 day span and the calculated amount for all of my loans is {$340.00}. My current monthly payment amount on the IBR plan is {$580.00}. Below is how my payments have been broken down - only typed some of the months to give you an idea ( I will attach documents showing all months ) -- they have been broken down like this for as far back as I can check now that I have looked. 

XXXX/XXXX/XXXX : Principal - {$82.00} Interest - {$500.00} XXXX/XXXX/XXXX : Principal- {$65.00} Interest - {$520.00} XXXX/XXXX/XXXX : Principal- {$52.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$53.00} Interest- {$530.00} I am not sure what to do here and if this is correct or highway robbery. I make a decent living but I will never be able to pay these loans off if this is the way they allocate my hard earned money. 

We do n't get to choose who services our loans when we get out of college and you would think that government agencies would regulate these companies to make sure that those who work hard and pay their bills get some sort of piece of mind. I work hard and do n't have time to keep track of how Navient should be doing their job legally and ethically. Please help me with this issue and help me to make sure the money that was n't allocated correctly goes back to my principal and future money is allocated properly. 
I also make too much money to write off my student loan interest on my taxes so I am at a loss of over {$5000.00} a year while my loan amount has only gone down {$400.00}! I should not be paying {$5900.00} in total payments XXXX, of which {$5500.00} went straight to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: DISCOVER BANK
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I mailed payment for my Discover credit card and they received it on XX/XX/XXXX and processed it the same day however i had post dated the check forXX/XX/XXXX when i called them about the fact that it had been withdrawn early they state by having the details of how they process checks on the back of the tear off portion of the statement that it absolves them of removing funds prior to the day written on the check. 
First off there the only indication there is information on the back is just above the perforation line and all that states is " see reverse for important information '', second there is nothing on the front state this policy of theirs to how they process checks, third i do not believe that by stating that they will " remove funds the day the same day they receive the check '' and that by sending a check i am allowing them to remove funds on the XXXX when I wrote the check for the XXXX. 
Quite frankly i 'm shocked that with as advanced as computers are that it is impossible nor is it time consuming given by their statement that the checks are processed electronically, that somewhere in the their " process '' that a date for the funds to be removed ca n't be added into the program. after all it would make sense for a worker to remove documents from envelope, look up account, scan in check and enter the date written on the check. 
if that is not how they wish to process checks mailed to them then i would prefer that they wrote specifically on the front. will not accept postdated checks as payment and if you wanted to schedule a payment you must go online or call to do so. by not having that on the front of the statement i find it a deceiving practice given over 90 percent would not look on the back of a statement, only look at what consumers believe to be relevant information to them which would be the amount owed, date due, min payment amount, ensuring that the charges if any are accurate and if included a credit score. 
Lastly i do n't understand how they can reconcile the fact the funds were removed prior to the date on the check and sense the check is not considered legal tender until the date of the check, that the transactions in question is in accordance with US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: ORG GC GP Buyer, LLC
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was garnished and am trying to contact companyvto work w them and get basic info on acct. No answer and i am waiting on taxes need to know if company has rights. Also amount seems way off my balance needs a detailed history of interest and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I opened an account with XXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$190.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$440.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$150.00}.

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 explanation
Consumer complaint received 2017-11-27
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchase ETH on XX/XX/XXXX for the amount of {$4600.00} and then they suddenly suspended my account on XX/XX/XXXX and refunded my money. I asked them several times to reopen my account but they do not respond back to my emails. 

They do not provide phone number to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: General Motors Financial Company, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to XXXX XXXX ( GM Financial uses XXXX XXXX as a 3rd party for online payments ). The amount was never applied to my GM Financial account. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX, that payment was applied to my GM Financial account. I had made several attempts to contact both XXXX XXXX and GM Financial but have not been successful of getting a response. My Attorney wrote GM Financial a letter on XX/XX/2019 but as the present have not got a response from GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
State: PR
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:
The loan was paid off by the unemployment Insurance that the loan carried and it does currently show as paid 100 % the the account went into my default on XXXX then the company re reported on XX/XX/XXXX witch is not the correct information and should be removed by the FCRA this information needs to be removed. In Equifax the last payment was recorded as XX/XX/XXXX and in XXXX  last payment was recorded on XX/XX/XXXX this show that the XXXX XXXX it's failing to report accurate information to my credit files this is a violation of the FCRA and this item must be permanently removed from my files by law or otherwise will suit the company for reporting inaccurate information on my credit files.

Company response to consumer: Closed with explanation