BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, I purchased XXXX BTC for {$700.00} plus {$28.00} in fees from Coinbase , Inc . The fees were due to the use of a credit card for the purchase. The purpose of using a credit card was the instant purchase - bank purchases take 5-7 business days. The purchase was confirmed, with reference XXXX. The BTC did not instantly arrive in my account. The day was a high volume trade day, and Coinbase , Inc. struggled to stay live, with periodic outages during the day. When the instant purchase still had not cleared on XXXX XXXX, I contacted Coinbase - the transaction showed as " Pending '' online. I requested that the credit card fees be waived, as the " instant '' purchase was no longer instant. I again contacted Coinbase on XXXX XXXX, as the transaction was still marked as " Pending. '' On XXXX XXXX I received an email from XXXX, replying from XXXXXXXXXXXX, informing me he referred the matter to a specialist who would " follow up with [ me ] as soon as [ they ] have an update. '' Two days later, on XXXX XXXX, I again wrote to follow up, having received no response. I again wrote to Coinbase on XXXX and XXXX XXXX, following up on this purchase, which still showed as " Pending. '' Today, on XXXX XXXX, I finally received a response from Coinbase , Inc . They cancelled my purchase, writing, " When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. '' This, it turns out, is patently false. I have contacted my bank and they have no record of any attempted transaction for the amount in question. They have the credit card transaction from earlier that day for the amount of {$1200.00}, and subsequent transactions from XXXX, XXXX, XXXX ( two ), and XXXX XXXX as well as XXXX XXXX. There is no issue with my bank or the card. Coinbase did not process the instant payment for a transaction they confirmed. 

Since the fault is not with my bank or method of payment, I expect Coinbase to honor the purchase of XXXX BTC for {$700.00}, and to waive the {$28.00} fee. As noted above, Coinbase experienced multiple service outages on XXXX XXXX, and I am in disbelief that they wish to blame an external party rather than accept responsibility for their insufficient transaction capacity. Many people attempted transactions that were not processed or confirmed - while that is disappointing, such instances differ from this one, in which I had a confirmed transaction at a time in which Coinbase 's system was functioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 have a Capital one Card ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My complaint is about the bank allowing international scammers to launder the proceeds of crime through the bank. My bank in the XXXX has informed me the bank are aware these people are using these accounts to steal peoples money and yet still allowed this to happen. The bank in question here is : Wells Fargo XXXX XXXX CT XXXX XXXX California CA XXXX. 

2 fraudulent transactions were processed through this bank/ a ) XXXX XX/XX/2017 {$4500.00} b ) XXXX XX/XX/2017 {$7000.00}

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 2019-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During XXXX 2018, I attempted to buy some presents using my credit card. Capital One for some reason thought there was some fraudulent activity going on and blocked my card. I called them and asked them to remove this and they " did so ''. Turns out the employee decided he wanted to just XXXX with me because they instead escalated their internal fraud alerts on my account and then requested me send ridiculous amounts of documentation to " prove my identity ''. I refused and closed my balance XXXX money they gladly accepted from me without any proof of identity ) and then closed my account. 

Now they just applied a chargeback to a charge I disputed in XXXX. I was not notified of this charge because their internal policy requires that I send ALL documentation they requested from me before they " unrestrict '' my account. I was only notified today ( surprise, more inconsistencies in their system XXXX because of a late payment fee that was applied to my account. So they don't notify me of this charge that was inappropriately applied to my account because of this internal policy but they have no problem notifying me after I receive a late payment fee. 

Now my credit report has been damaged by this because of their ridiculous internal policies that do not protect anyone from fraud and makes XXXX sense. And they refuse to talk about my account until I remove the " Restricted '' status which means I have to send them documents such as a SIGNED SOCIAL SECURITY CARD ( absolutely ridiculous ), a copy of my driver 's license, and other forms of PII. Now I also owe them XXXX which I should not have to pay. 

No relevant documents at this time. If you require anything, please send correspondence for said documents. 

** On the next page, it requested my card number for Capital One. My card was destroyed after I closed my account so I don't have access to the card anymore and I don't remember the card number. Instead, I put in my CapitalOne360 username that I use for online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
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: Their investigation did not fix an error on your report

Complaint:
I have disputed incorrect account reporting information with Experian, supplied them with undisputable legal documentation reporting error only to be told that their investigation has validated the information. Their validation of accuracy was sent to me the day after I initiated my dispute, so it was not investigated, nor did they even review the documentation I furnished them with.o Dispute of inaccurate reporting filed XX/XX/XXXX regarding 2 inacurate records from XXXX XXXX. Received notification XX/XX/XXXX that information was verified.XX/XX/XXXXXXXX XXXX dispute for inaccurate reporting. XX/XX/XXXX notified information was verified. XX/XX/XXXX XXXX XXXX dispute opened.XX/XX/XXXX verified. XXXX XXXX, same situation. This company is not following FRCA act and needs to be help accountable! These records are hindering my ability to obtain much needed 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 non-monetary relief
Consumer complaint received 2019-04-03
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Transworld Systems Inc dated XX/XX/2019 concerning a balance owing with XXXX XXXX XXXX . 

This debt was previously placed with XXXX and I never received any notification that XXXX is no longer servicing the account. I have tried to reach out to XXXX and they are no longer taking calls. 

On XX/XX/2019 I spoke with XXXX XXXX with Transworld and after all disclosures I told him that I wanted to start making payments but would need some written documentation confirming that they are in fact the servicer of the loan, that the account is no longer placed with XXXX and that XXXX XXXX has given them permission to service the loan. 

My request was met with significant pushback from Mr. XXXX. He told me that the letter I received - the Dunning letter - was verification enough and that I should call XXXX XXXX. I explained to him that I am well aware of my rights and I am entitled to have this debt verified and have proof that they have authority to service this debt. XXXX started to interrupt me as I was talking and told me that he is in the position to know far more about what his job is than me. I told him that I don't appreciate his tone or that he is being argumentative with is request and asked to speak with his manager. I was told that that the manager - XXXX XXXX is unavailable. 

My complaint is two fold, the abusive and argumentative nature of Mr. XXXX is unacceptable. I have a debt, but I am still human and should be treated as such. Second, receiving push back for requesting proof that Transworld has authority to service the debt from XXXX XXXX is in direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a checking account in my name apparently with my SSN and overdrafted the account. I only have a checking account with my credit union in my area for over 20 years. The account in question is an hour and a half away from my home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management aka Encore Capital Group are debt collectors attempting to collect a debt on behalf of XXXXXXXX XXXX. XXXX XXXX ( Division Manager ) has been sending me notices every 30 days despite not being able to prove that their account belongs to me. Midland Credit Management aka Encore Capital Group has received several notices from me and I need XXXX XXXX ( Division Manager ) to stop sending me letters. I will not respond to any more mail. 
I do not know how Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) received my personal information. Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) are debt collectors and are harassing me and I will not stand for it. I have not received any services from Midland Credit Management aka Encore Capital Group or XXXX XXXX ( Division Manager ) Recently I priority mailed Midland Credit Management aka Encore Capital Group letters and each company is well aware of what will be the outcome will be if they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: AZ
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:
On XX/XX/XXXX I purchased an XXXX XXXX   with XXXX XXXX via XXXX for store pickup using my Apple Card issued by Goldman Sachs. I realized immediately upon receiving confirmation email that I ordered the wrong model. I cancelled the transaction and placed a subsequent order for the right model. I then proceeded to pick up correct model but noticed that my transaction for the first order was never reversed from my card. The total amount was {$190.00}. I disputed the transaction on XX/XX/XXXX ( XXXX ) when I thought was a reasonable time for the refund to occur. You can reference the XXXX with the order details and my email and see that they state the order was cancelled. Apple representatives said it was not an issue on their side but revert back to Apple Card Support. I received word on XX/XX/XXXX that the transaction was not resolved in my favor. I again attempted to resolve through several calls both with Apple directly as well as with Apple Card Support aka Goldman Sachs. The dispute was reopened on the XXXX of XXXX ( XXXX ). I followed up several times via chat and phone again only to be notified on XX/XX/XXXX that the transaction was not resolved in my favor despite providing all the documentation with screen shots of the website proving I never received the order. I again, reopened a dispute ( XXXX ) and talked for hours to their customer support. They confirmed it all sounded logical and assured me that it would be taken care of this time. On XX/XX/XXXX I received word of a split decision and they found I somehow still owed {$120.00} due to the fact they had credited me for the XXXX XXXX for {$31.00}. I again opened a dispute ( XXXX ) but had already cancelled the card ( which I was worried would impact my credit rating ). Regardless, I decided this was not representative of the brand promise of Apple nor a company I would like to work with. I wish the story ended her but again after providing again the documentation of screen shots ( all via email ), on XX/XX/XXXX I received a notice from Apple Card Support that they reached a split decision and they claimed I already received credit from the merchant for the amount of {$31.00}. At the end of the day, I did not have to pay for the full amount of the order but I was out of pocket for some of it despite never receiving the item and only through my persistence. In addition, I was out a lot of pain and suffering due to the number of calls and aggravation. It was one of the worst customer experiences I have ever had and it was a clear cut case. I cant even imagine what it would be like in a real fraudulent case and would fear for any consumer who has to work with them. Therefore, I share my experience in hopes it can help others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-01
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Misapplied mortgage payments ( erroneous payment processing ) and improper credit reporting. My payment is showing over 6 months overdue and Suntrust has reported this information to the credit bureaus. 

Suntrust is the 2nd mortgage on my home. Suntrust sold/transferred the first to another processor years ago. In XXXX, Suntrust placed insurance on my home since they no longer maintained this information. Once lender-placed insurance was forced upon my account ( XX/XX/XXXX ), my monthly payments were no longer being applied to the mortgage. Money was put into a suspense account and my escrow showed a shortage in the amount of the insurance premium. 


On XX/XX/XXXX, I spoke with Insurance dept. where a young lady called XXXX, confirmed insurance has been in place. Within a week I received a " Lender placed insurance cancellation notice. '' On XX/XX/XXXX I opened a dispute with Suntrust 's Credit Bureau Dispute Dept ( Case number XXXX ) On XX/XX/XXXX, Suntrust sends a check of {$680.00} stating these funds were insufficient to bring my loan current and {$2400.00} is outstanding. Suntrust imposed fees and charges while showing 6 prior months of payments are unpaid. Eight payments totaling {$2500.00} of the 10 I've made since last XX/XX/XXXX remain unaccounted for. 

Finally, on XX/XX/XXXX I called and spoke with XXXX ( XXXX ). She asked if I was calling to make the {$2400.00} payment. I said XXXX no Im not calling to make a payment. She then argued with me about " watching my language '' and using profanity. Once I said I was now recording the call and she said she was hanging up. I asked for a Supervisor and she said none was available and she was hanging up. I then asked for XXXX XXXX and she disconnected the call. Suntrust is not doing their job nor making any legitimate attempt to resolve this. My credit has been negatively impacted and my level of frustration and annoyance with Suntrust is beyond exhaustive limits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company reports a Chapter XXXX Bankruptcy that the XXXX XXXX County Bankruptcy Court has said they did not verify. Company is taking incorrect but publicly available information and reporting it which has hurt my credit and ability to borrow. I disputed on XXXX, XX/XX/31, and XXXX. Complaint claims to investigate replies when the court and offices are closed. This is a violation of my rights under Fair Credit Reporting Act. Company refuses phone calls from me. Company will not escalate to a legal review internally.

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 2019-04-03
Company: PNC Bank N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2018, I contacted PNC Bank, who holds my XXXX XXXX car loan, and discussed with them, the need for a payment plan and term extension, explaining that I had a recent downturn in income and would need that in order to be able to resume payments on the car. I contacted them via phone approximately 12 times trying to work out the program, and kept getting different information, no responses, or simply had to start over because someone didn't take notes, or there were deleted notes from previous conversations, or I was transferred to different departments, or was given wrong information, hardship letters misplaced, etc. Finally, XX/XX/XXXX, I was able to get the issue situated. Since so much time had passed going back and forth with different PNC people, my account became delinquent. In early XXXX they made a derogatory report to my credit which decreased my score 60 points for being 40 days past due. It took much longer than 40 days to work through this process with PNC to no fault of my own. I would like for them to acknowledge the reason this delinquency existed was because they took so long working it out, and remove/retract the negative credit submission. 

The payment was for {$450.00} PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX or PNC Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX, has contacted me by phone and informed me of a debt that she is trying to collect. 
She told me that the debt was from a XXXX credit card and the unpaid balance was XXXX dollars plus interest of XXXX dollars and that I should pay this immediately or she would turn it over to the attorney. I requested that XXXX send me information about the debt proving that it is mine. XXXX stated that a letter had already been sent. 
I have not received any mail from ARA Inc. I did, today send a registered letter requesting information about the debt in question and I dispute ownership of this debt. I believe the threat of legal action and the attempt to collect XXXX XXXX in interest are both illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize anyone employed by XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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