BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I prepaid my XXXX taxes and reached out to Dovenmuehle Mortgage, Inc. ( for XXXX XXXX XXXX ) in XXXX XXXX, IL to make an adjustment to the escrow taxes for the XXXX calendar year. The first call was on XX/XX/XXXX and I was advised to provide receipt of payment for the taxes that were prepaid. This was completed and I called back on XX/XX/XXXX because there had been no contact from the mortgage servicer. I was advised there was a problem with process and that a repayment of current escrowed funds would occur. I called back on XX/XX/XXXX because there were no actions taken. During this call the individual advised they were unable to verify payment with the county despite having the receipt. Dovenmuehle was reaching out to the wrong county and I corrected this for the second time. I called back on XX/XX/XXXX and the representative advised that payment would be made in XX/XX/XXXX. After receiving half payment for the prepaid taxes in early XXXX, I called and was advised the second have of the payment would be provided the following month when the escrow account exceeded the outstanding amount owed. No payment in XXXX. I called back on XX/XX/XXXX and was advised that no payment would be made until rebalancing in XX/XX/XXXX. I advised this was unacceptable as Dovenmuehle had confirmation of tax payment to the county and sufficient funds in escrow to pay the second half installment. The supervisor XXXX agreed and advised the payment would be made by XX/XX/XXXX. No payment has been made and the escrow account funds in my account still exceed the amount owed and promised. Dovenmuehle 's representatives and supervisors have consistently provided inaccurate information for over six months and failed to meet promised payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase illegally withdrew : {$120.00} {$35.00} {$20.00} {$20.00} {$10.00} All within minutes of each transaction taking place on XX/XX/2018. 
Coinbase acknowledged the issue but has yet to refund it nor will they refund any of the 5 overdraft fees of {$23.00} each. 
I've tried contacting them by calling, email, XXXX and XXXX. 
This needs to be a class action suit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX ; Experian and XXXX are falsely reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX ; XXXX and Transunion are falsely reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: FL
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:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an account with XXXX XXXX XXXX XXXX.. On XX/XX/2021, I tried to withdraw {$300.00} cash from my XXXX checking account using a Bank of America ATM . I did not receive any money. I went home and reviewed my checking account balance and {$300.00} ( including a {$3.00} transaction fee ) was deducted for the disputed transaction. I immediately called my bank to dispute the transaction. 

XXXX responded the same day and said they were investigating the transaction and would provisionally credit me the disputed amount, which they did. 

On XX/XX/2021, XXXX informed me that their investigation found no error in the transaction. I called them that day and asked for a copy of the documentation they used to make their decision. 

XXXX sent me the documents on XX/XX/2021, which included a transaction report from BoA showing that the transaction was successful. 

I immediately called XXXX and asked for a copy of the video of my transaction as this would conclusively prove or disprove my claim. I was told that a dispute specialist would call me and I received that call today. The XXXX representative told me that unless there was an obvious problem with the transaction, he could not help me further and suggested that I contact BoA. 

I called BoA right away and was told that they would not help me since I am not a BoA account holder. After further discussion, I asked for a copy of the video of my transaction. She said that I needed a subpoena or my bank would have to request a copy. 

So, in order to see the video evidence, I would have to spend a lot of money on an attorney and take time off from work to attend hearings. 

I am attaching all the documents I received from XXXX on the matter.

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 2018-05-03
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company obtained my information without my permission and has been harassing me for a medical debt in the amount of {$160.00} that I did not sign anything agreeing to pay this with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: WA
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:
EXPERIAN is allowing a Corporate Credit Card to report on my Personal Credit. Upon advising them to remove it, they did not! It is a business-related corporate credit card, not a personal credit card. 

If it is not removed, my intentions are to sue any and all liable parties that insist on maliciously and intentionally sabotaging my personal, flawless credit history. 

The account in question that I am disputing : Creditor : XXXX card Report # XXXX 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 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
THE NUMBER SHOWS UP XXXX LEAVES MESSAGE TO CALL XXXX TO DISCUSS FURTHER DETAIL DOESNT SAY WHO THEY ARE CALLING FOR AND GIVE THE SECOND NUMBER TO CALL BACK DONT MENTION WHO THEY ARE I BLOCKED THE XXXX NUMBER BUT THEY STILL LEAVE A RECORDED VOICE MAIL FROM THE XXXX FROM WHAT IS XXXX AND WHAT MANY OTHER PEOPLE PUT FOR THE SAME NUMBER COMES UP AS CAPITAL ONE AND SCAM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX were the last days I tried to get this issue resolved with them Last two weeks in XX/XX/XXXX called them almost daily MidlandFun also reported as Midland Funding has reported and acknowledged misleading information and two different account numbers for the same account to my credit file for all three credit companies the original debt to XXXX  was XXXX Midland bought the account which I have no contract with. 

XXXX  & XXXX  has an open date of XX/XX/XXXX then again XX/XX/XXXX last reported XX/XX/XXXX owed amount for {$2000.00} XXXX has same account different # and amount open date of XX/XX/XXXX of {$1700.00} last reported XX/XX/XXXX I've disputed on credit files several times and have talked with several reps at Midland the last one said he would resolve issue and fax over documentation which has not happened I'm currently applying for a job and this is killing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

I have company to serve the credit card to my customer. I did stop this company around tow years ago. but they keep charging my walls Fargo account. I want to the branch near me to dispute this charges. I wait around 10 days and the claims department they dined the claime because it is business to business.and they told me no more changes will get to your. last week I found the same company keep changing my account ( 22 charges ) totel was over {$3800.00} .I did fail claim again XX/XX/18 and the bank dined it again. last Friday they approve and they will refund my money.. I did call today the bank to ask about the the money is not in my account, they said they dined this claims because is business to business charge and is always different amount.and this company changed the nam between months to months. I am responsible about any trans actions with 24 hours only. 

.

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 2018-05-03
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Is a Account I Got Back Around XX/XX/XXXX I Lost My Job The Following Year And Around XX/XX/XXXX I Was Unable To Afford And Or Make Payments On The Account In XX/XX/XXXX The Account Was Labled On My Credit As A Clsed And Charged Off Account And Is Still Reporting On 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 2021-05-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX put a gps block on my account so I can see the balance in my account nor can I transfer money My deliver prescription service is off they collect I need my meds and be able to buy gas and food.

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 2021-02-06
Company: U.S. BANCORP
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have sent several letters and hired credit repair company they say i owe {$490.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$490.00} they never applied the {$300.00} security deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a billing statement from JetBlue Rewards XXXX. I do not have a XXXX, nor have I ever applied for one. The statement I received is clearly labeled " Statement '', it is not a marketing brochure. There is an account number on the statement and it was sent to my name with correct mailing address. There was a {$59.00} charge from the previous billing cycle, which was also credited back. There is no balance on the account. I called XXXX immediately as I thought someone had fraudulently opened an account in my name. They asked for the last four digits on my account. It apparently is/was an open credit card. They ( XXXX ) also had the last four digits of my social security on file. The first person I spoke with at XXXX told me they would transfer me to their security division. I was on hold for an hour and a half. I contacted the main number for XXXX again and explained my problem. They told me there was no one available that I could talk to. They also told me that my account was closed last month. I asked them who opened the account and who closed it, as I did neither. She could not tell me. It seems to me that XXXX fraudulently opened this account or that this " statement '' that was mailed to me as a marketing gimmick. Isn't this the same thing that XXXX XXXX did? I am furious. I do not have a XXXX, did not apply for one, yet an account was opened and a statement sent to me even though no card has ever been sent to me. When I asked XXXX if the account was closed by their security team because someone fraudulently opened it, they could not give me an answer. I asked them if I have never reported that I thought the card was opened fraudulently, who closed the account and why? There was no activity on the card ( and I have never been sent a card ) so it is illogical that their security team would have closed the account without talking to me or verifying this. I am a woman in her late XXXX and I am pretty sharp. What angers me most about this is I know my elderly mother receives similarly misleading marketing material and it is confusing and deceptive. This has to be regulated. This particular scheme seems completely illegal. Is XXXX allowed to open an account in my name without my permission an then send me a statement?

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 2020-08-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Armed Forces Loans of Nevada Inc.
State: CO
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:
On XX/XX/2018 and XX/XX/2018 I called Armed Forces Loan and express some concerns on how I was showing 30 days past due multiple times on my credit report. I spoke to XXXX XXXX and was to it would be taken care of. Still to this day I am still showing delinquent. I asked for another loan and was denied because it stated I had a sufficient change in my credit score and the reason why is because of how they are reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CL Holdings LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe any $ for the XXXX bill which is on all of my credit bureaus. They must be confusing my name, XXXX XXXX, with another person of the same name. This is not me and I do not owe the {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found the late payments listed on the dates below : XXXX and XXXX are showing I was late in XX/XX/2019 but XXXX was showing that payment to be on time. XXXX is reporting that I was late in XX/XX/2019 but the other 2 bureaus were showing that I was on time in that month. I am not sure how this happened but it is clearly a reporting error. I believe I made my payments to you when I received my statements so my thought is that my statement did not get to me. I would greatly appreciate this issue being corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX is reporting on XXXX equifax and XXXX.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im behing in payments 2months planning on paying what behind an following month installments 1st XXXX 2nd XXXX I just cant pay till End of XXXX beginning of XXXX I dont even have money to put minuets on my phone only have Wi-Fi when available so unable to call to can get minutes to lnmv funding but plan on taking care of whats needed just behund money tight after move

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I filed a disputes with XXXX XXXX and Transunion in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
A company called Capital One is furnishing incorrect and incomplete information on two accounts on my credit reports. I have made several attempts to have these items corrected. I have sent letters containing print outs of how the accounts are showing on my XXXX, XXXX XXXX and XXXX credit reports with marking to indicate what needed to be corrected. The company 's inability to fix these errors in their reporting is causing me financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) I have the right to have a 100 % complete and accurate credit report. Capital One is violating my consumer rights. 

I am attaching my most recent correspondence. As prescribed in the FCRA, I initiated contact with Capital One through the credit reporting agencies.

Company response to consumer: Closed with explanation