BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase withdrew over {$3900.00} worth of ETH ( a cryptocurrency ) from my account in XX/XX/XXXX. They claimed that I made the purchase from funds they never received from my bank.This is not true. I had cancelled the transaction from the bank. The funds were never deposited and I did not make the purchase. 

One month later they removed the funds from my account and disabled me from using the platform. For 3 months I have been mailing and calling. At first I was getting replies from a lady called 'XXXX ' after a while she stopped replying and I just got automated replies. Now even those have stopped. When I call in they refuse to help saying I have to do it through emails. I am completely frustrated. 

This is a lot of money for me, more then a paycheck. It has caused me tremendous stress and affecting my health as well now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
BofA claimed that XXXX agreed to reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my Visa card XXXX XXXX XXXX XXXX. 
BofA placed a {$86.00}, reversal of the fraudulent charge credit BofA granted me while BofA investigated my claim that XXXX made this charge fraudulently. I received a letter from BofA stating that XXXX agreed to reimburse my Visa card for the {$86.00} Fraudulent charge. BofA then reversed the fraudulent charge credit, placing this as a fee, on my Visa card, even so this card was, at that time, already closed by me. BofA claimed that the XXXX crediting my visa card would take my closed visa balance to XXXX. 
XXXX did not credit my canceled Visa. Prior to the " fee '' coming due, I contacted BofA customer service ( for the fourth time on this issue ), informing them that there was a demand from BofA for me to pay this XXXX BofA customer service agreed with me that I will not be required to pay this fee. BofA made negative reports to all three credit reporting agency claiming that I was first 30 days, then 60 days late in paying my Visa card. This resulted in a substantial reduction in my credit rating. BofA erroneously though that a {$160.00}. charge I had XXXX reverse prior to this claim satisfied my claim.

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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft

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 2020-05-26
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX I contacted Cashnetusa to borrow {$2000.00}. The first payment to repay was $ XXXX XXXX, Then I was told it was {$580.00} in XXXX. In XXXX I was told that I was to pay {$800.00} and that I owed {$2500.00}. With my payments, the amount did not go down it went up. At this point I was concerned that I was being gouged. I contacted them on XX/XX/2020 and stated that I had been out of work and could only pay {$150.00} a month. They then sent me an email stating that I could settle the account with 4 payments of {$990.00}. I have already paid them {$250.00}, {$580.00} and this past week a money order for {$150.00}. This is a total of {$980.00}, yet they say I owe {$3900.00}. 
I am a veteran and XXXX years old and feel that I have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TD BANK US HOLDING COMPANY
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:
On XXXX XXXX, 2019, TD BANK USA/TARGET C add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammers scammed money for job offerings and house purchases. One transaction is a check deposit, from Wells Fargo to the XXXX XXXX XXXX. Date : XX/XX/2020. {$3000.00}. Check # XXXX XXXX XXXX Deposit into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, TX XXXX I contacted both banks, XXXX XXXX XXXX willing to help me , and suggested me to ask Wells Fargo work with XXXX XXXX XXXX and recover my money. 

Please see the attached document.

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 2018-08-02
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$210.00} in erroneous and excessive overdraft fees which has caused my account to have a severely high overdraft amount. On XX/XX/2018, BB & T Bank charged me {$72.00} in over draft fees, on XX/XX/2018, BB & T Bank charged me {$36.00} in overdraft fees, and on XX/XX/2018, BB & T Bank charged me {$100.00} in overdraft fees. I called BB & T bank 's customer service line on XX/XX/2018. I told them that I wanted to dispute a transaction that took place on XX/XX/2018 on my account with XXXX XXXX who erroneously charged {$130.00} on my account. The BB & T customer service agent told me to dispute the transaction with XXXX XXXX and wouldn't let me dispute it with BB & T. I told the customer service agent that BB & T as a result of this XXXX XXXX XXXX BB & T Bank is continuing to charge me overdraft fees. The BB & T customer service agent told me that BB & T would reverse the overdraft fees if the transaction is reversed. I expressed my concern that BB & T is continuing to excessively charge me overdraft fees on my account, the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$66.00} with XXXX XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$19.00} with XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. 

I again called BB & T on XX/XX/2018 regarding the XXXX XXXX transaction that took place on XX/XX/2018, because BB & T was continuing to charge me overdraft fees on my account. The BB & T agent didn't care again that BB & T Bank was charging me excessive overdraft fees. 

BB & T Bank is abusively charging my account overdraft fees. I called BB & T Bank customer service while the overdraft fees were being assessed on my account because I had disputes on transactions that had gone through, and the BB & T Bank customer service agents didn't care. BB & T charged my account {$210.00} in abusive and erroneous overdraft fees between XX/XX/2018 and XX/XX/2018 which is causing my account to be severely overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About a six months ago, I received a dunning notice in the mail from Procollect , Inc, which is a third party collection agency located in XXXX, Texas. Apparently, this notice was sent in reference to an alleged debt that was created by a broken lease from XXXX XXXX XXXX, located in the same city. 

On XX/XX/XXXX, I mailed Procollect, Inc. a letter requesting validation of this alleged debt in accordance to Texas Finance Code 392, which states that a consumer has the right to request full proof of the validity of a debt -- along with some kind of formal proof of contractual obligation which binds me to said debt ( i.e., a contract with my signature on it. ) Procollect, Inc. received my debt validation letter on XX/XX/XXXX ; and therefore, had until XX/XX/XXXX to furnish this information. 

About two weeks later, I received a response in the mail from Procollect, Inc., from what appeared to be an attempt at debt validation, but after full careful review of those documents ; unfortunately, they 've fallen short of the XXXX 's full validation guidelines.

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 2021-08-12
Company: WAKEFIELD & ASSOCIATES, INC.
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: Information belongs to someone else

Complaint:
Viewed a copy of my credit report and noticed several accounts that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, WAKEFIELD AND ASSOCIATES # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, 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:
XXXX XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law   office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting 2 accounts stating charged off # XXXX amt XXXX XX/XX/XXXX - and another XXXX XX/XX/XXXX for XXXX. 
Ive filed FTC Id theft affidavits on both Accts - reported to XXXX XXXX pd and Tx ATTY generals office - ADA - Im XXXX XXXX -I demanded any time of validation or verification with no luck- Ive not given this to a local attorney for legal action against XXXX  and Experian for reporting this Id theft -

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 2018-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Went to Experion website to sign up to Freeze accounts. After completing all the information requested, received a notice that I need to mail in the information. Should be able to do all on-line. Very disappointed! 


We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 
Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security number : Date of birth : [ ] I have included a copy of a valid police report or investigative report or complaint filed with a law enforcement agency, etc. 
Experian 2018. All rights reserved. 
Experian and the marks used herein are service marks or registered trademarks of Experian. 
Other product and company names mentioned herein may be the trademarks of their respective owners.

View Experian 's Privacy Policy

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 2018-10-11
Company: Continental Services Group, Inc. d/b/a ConServe
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX AND CONSERVE KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Hello, I have had an issue with receiving my unemployment benefits. I have attempted to connect with both my Ohio state office and the ReliaCard customer service since the start of XXXX. It was brought to my attention that payment benefits were being distributed to my ReliaCard debit account, however, I never received the card to access the benefits. I have attempted to contact both the ReliaCard support line and state office to receive a card to access my benefits, but in order to do that I needed to have a card number. As you can see that is impossible because I never received a card and unfortunately I have been unable to connect with a representative from both parties to share this issue. I have attempted to make contact to report this issue and obtain and new card by calling both parties a countless number of times, daily. The line does not connect after being on hold for several hours and it hangs up on me. 

I need to receive this benefit, as I have been laid off like so many due to COVID-19 and I need this resource to sustain my livelihood. Please help me resolve this soon. 

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 2019-05-31
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2015 Fedloan Servicing reported my student loan account was 90 past due. In fact my loan was in forbearance at this time and no payment was due for one year. 

I have contacted the company on several occasions requesting the info be evaluated and reported accurately. At one point, I was told the info can be removed but no actions were taken by Fedloan to correct their inaccurate reporting. 

The biggest problem is ; although the 17 accounts were consolidated into one payment, the Fedloan reported each accounts as separate accounts. I now have 17 accounts showing 90 days delinquent ; when its truly has been consolidated into one. 

Their in accuracy has caused my credit score to drop by 50 points and in return Ive been denied loans and credit that I truly qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am one of the 143M Americans whose credit information was compromised by the recent XXXX  data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information.
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.

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 2021-02-24
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a XXXXXXXX XXXX  XXXX on XXXX XXXX from XXXX XXXX XXXX. Westlake Financial Services was appointed to be the financier for the vehicle. I paid {$750.00} as a down payment and signed the Sales Contract on XX/XX/2021. I have not received the paid license plates to replace the expired dealer tags, no billing information for the upcoming monthly car payment of {$320.00} scheduled for XX/XX/2021. This information was outlined in the signed sales contract. 

I was advised over the phone yesterday XX/XX/2021 from XXXX at XXXX Eastern time. Westlake Financial Services is no longer the Lien holder of the vehicle. I received no follow up or updates for the car loan. The dealer XXXX XXXX XXXX might try to tow or commit ( Larceny ) to my vehicle, and possibly cause damage in the process. I need to know which finance company was the vehicle loan sold too, and an account number given, so I can make my first monthly car payment on time? 

Their cooperation will be greatly appreciated! 

Dealer/Seller : XXXX XXXX XXXX XXXX XXXX Buyer/Customer : XXXX XXXX XXXX Lien holder/Financer : WestLake Financial Services -- XXXX XXXX XXXX XXXX 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