BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Date : XX/XX/2017 Lost access to my email account due to laptop being stolen with the passwords, and not being able to reset the password with email provider I cant access my account on Coinbase which I had XXXX pounds stored in the GBP wallet. I have made another Coinbase account with same email, passport, phone number and contacted Coinbase they have been  looking into it however it has been over a month and still no reply or update, they keep telling me that the specialists are looking into it and that they cant tell me exact date when I will receive my funds back. 

Website : Coinbase.com Funds stuck in the account : 1200+ Cant get any access to the account Serveral emails sent but no help when the funds can be realeased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In an attempt to obtain a partial lien release from Dovenmuehle Mortgage Inc, we endured more than six months of delays due to irresponsible and unprofessional behavior, grievous errors, shift of blame, negligence, and refusal to communicate, convoluting and complicating what should have been an ordinary, simple, clear cut request to release a lien. 

When our mortgage was originated in XXXX it included two separate tracts of land, only one of which was used in the LTV calculation nor was it included in the original appraisal at time of purchase. This was discovered when we tried to reconvey the second tract of land to my mother-in-law in XXXX of XXXX. So, it seemed that the request to release this tract of land would be simple since the land was not part of the LTV calculation. 

However, instead of a simple release, we were subjected to continual and repeated shifting personnel, none of whom would take responsibility to look at the details of our request or take time to understand the history of the loan. Only under threat of complaint to the CFPB ( after 6 months of dodging, delaying and degrading ) and our pointing out errors in communication and paper work was the release drafted. A final insult was that the drafted release was riddled with error - including the wrong tract # and address! 

For this dismal performance, we paid {$1500.00} and an appraisal fee upwards of {$600.00}. In addition to these fees charged by Dovenmuehle Mortgage, my mother-in-law incurred increased construction costs due to the delay of release of her land and inability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TRANSWORLD SYSTEMS INC is falsely reporting an unverifiable utility bill on my credit report and is detrimental to my life since XX/XX/2019. I have enough bills to cover and I can not afford to have anything hurting my score now. This is causing an increase in interest percentage and a decreased chance of being accepted with different companies. I have contacted the main creditor many times and have disputed many times but the issue remains unsolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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:
Ive been disputing information with Equifax for the past three months its coming back stating the accounts are found to be mine but Ive never opened a account with XXXX XXXX or had a XXXX vacuum from them. Ive got the police report as well as the FTC report now they are wanting affidavit thats notarized. This is such a inconvenience on my end with trying to apply for new things this is in the way of me having good credit as well. Jobs have turned me down from all this there is also inquires that XXXX has removed but Equifax has not. I need this information fixed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13
Company: PlusFour, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a letter ( certified via USPS ) on XXXX XXXX, 2019. It was delivered to the company on XXXX XXXX 2019 at XXXX XX/XX/XXXX 

I mailed a 2nd letter ( certified USPS ) on XXXX XXXX, 2019. It was delivered on XXXX XXXX, 2019 at XX/XX/XXXX. 

The company responded once with some sort of receipt that was made out to a XXXX XXXX. This receipt is no PROOF that this debt is mine. This is not verification. I asked for a wet signature and they have yet to provide it. They have ignored my 2nd request for verification. I'm sure that this company is well aware that this debt can't be verified without a wet signature, yet they attempt to hold on to and make me pay this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: BANK OZK
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Mother passed awayXX/XX/2020. We went to a financial planner. ALL AFFAIRS WERE IN ORDER. We had XXXX 's, Were listed as joint on all accounts, and yet they refused to release any of the funds because they are waiting on their home office in Arkansas to approve the release of the $ XXXX in funds. We made appointments, traveled hundreds of miles, lost time on our jobs, all to no avail on XX/XX/2020.Our appointment was made 8 days prior to the appointment.XX/XX/2020. When we got there, nothing had been done, were told we would be notified today of any approval and and be overnighted checks. We began calling at XXXXXXXX today. No calls returned. The website for this outfit do not list an operations center or bank president. We are pulling at straws

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has put illegal, false remarks on my credit file for the following CLOSED accounts. I did not give them permission to put any remarks on the following accounts and after repeatedly asking them to remove them and they refuse I am forced to file this CFPB complaint. 

XXXX XXXX ACCOUNTS ( 2 accounts ) Accounts XXXX and XXXX remarks say ( Dispute resolved, consumer disagrees ) this account should only reflect " Account closed by consumer '' and nothing more. They illegally have put ( Dispute resolved, consumer disagrees ) in the remarks section and I want it removed. I have already contacted XXXX XXXX at XXXX. 

XXXX : This account XXXX has remarks that says Dispute resolved, consumer disagrees. This remark should not be on my credit report as Transunion has illegally put this on my file without cause. The only remark should read " Account Closed by consumer '' I have already contacted XXXX at XXXX Stop putting illegal remarks on my file simply because you are trying to retaliate against me for filing complaints against your illegal reporting. This is my right and you are to follow the law and to honor my request or face the consequences for your illegal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 early XX/XX/2020, I made a service agreement with a contractor for some upgrades to my property and charged {$17000.00} to my Bank of America credit card via an access check. On XX/XX/XXXX the contractor defaulted a refused to continue working on my property starting that he's unable to complete the task due to Covid-19 and refused to return my unused money. Immediately, I opened a claim with Bank of America for a resolution. Subsequently, Bank of America requested multiple documents for their review which were submitted within the time frame. After five months of weekly calling, Bank of America denied my claim stating that I placed the claim more than 60 days of the transaction. Due to this, I lost time seeking legal action because the financial institution I've been using for more than 20 years took more than 5 months to respond to a claim they could respond in two weeks. Is this fair? The Bank failed to represent me, failed in the attempt to get my money and frankly I think they didn't even bother to attempt an reach-out to the other party. Is it reasonable for one of America 's biggest bank to take advantage of lesser individual? Doesn't the Bank carry insurance? What about all the service fee they charge?

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 2020-02-05
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Called middle of XXXX about a {$4.00} charge that showed up on our credit report. After an hour, no one at Ally could tell us what it was for or how we could pay it. 

Two weeks later, received a call that our lease was up on XXXX XXXX. We received no letter, no one said anything when we called earlier. We called to tell them we wanted to purchase the car. Two hours later, after they sent us to their loan department, we finally got off the phone. They said theyd call back the next day. 

No one called. Concerned I called them. They said everything was fine and for us to wait to hear back on the loan. 

Finally yesterday after no hearing back from anyone, I called them. Two hours later, still no one could help me. Said theyd call me back. No one did. 

We get a call this morning saying they want to know the location of the car to repossess it. Called the number left six messages, no one called back. Called another number, was on the phone for two hours. Finally they suggested we go immediately to a dealership to get a loan. 

Went to dealership. It took them over an hour on the phone to get someone to give the buyout amount. This amount was different from any of the three different amounts we were given. 

Because of the huge hassle, we decided to take the money out of stocks and pay them. Called back to get the address. The entire department was in a meeting. Called another number, after 30 minutes, no address. Called another number, finally got someone in the escalating department. She gave me the address. 

It was six hours today of nonstop calling, being put on hold, going to dealership, hold again, etc. 

It was a terrible experience. I got the name of two managers who were suppose to call me back but never did. By the end of it, I thought my husband or myself were going to have a XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: NV
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:
The Bankruptcy, accounts, and inquiries are not mine.

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 2019-10-13
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i got a call from CRC XXXX and gave me a number and reference XXXX, DDA XXXX, file XXXX stating that i did not close a checking account so they kept charging me overdrafts instead of cloing the account. they are suing/civil me for a default on the account not being closed and they are going to arrest me and then garnish my wages. there should be no default, i never borrowed any money from the bank it was used to deposit child support and alimony checks only. i need help because this account is from XXXX/XXXX/2006 how can this account even be in collections and it does not show on my credit report either? sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions 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:
XXXX, Experian and XXXX  has been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX XXXX XXXX in XXXX, NJ. I urged their sales team to only apply for financing at one bank, I found out later it was more than three banks. Here are the ones not authorized : XXXX - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2020 AND XX/XX/2020 XX/XX/2020

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 2019-10-13
Company: ID Analytics, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX and XX/XX/ 2019 I faxed Sagestream , LLC to dispute 3 hard credit, inquiries on my credit report that had not legitimate purpose using the online prepared form provided on the company website. Attached to the facsimile were prior correspondence to the 3 companies to wit the disputes arise as well as personal identity verification documents listed on the company website including a copy of my driver 's license, social security card and bank statement. I have included both facsimile with confirmation receipt to this complaint. 

Subsequently I have received two letter 's from Sagestream , LLC dated XXXX XXXX & XXXX XXXX, 2019. The XX/XX/XXXX letter incorrectly states that I did not provide any verification documents and the XXXX XXXX letter is some nonsensical form letter about Sagestream not selling information, which has nothing to do with the disputes filed.

I have tried to call Sagestream on 10 different occasions never once being able to speak to a representative and instead getting transferred to a voice mail system that is either full or disconnects. 

At this point Sagestream , LLC has negligently handled my identity verification documents I attached in both my facsimiles to the company and has delayed any investigation into the credit inquiries on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed Chapter XXXX on XX/XX/XXXX & it was discharged on XX/XX/XXXX. I have disputed this error with the company XXXX XXXX, which states they are reporting it correctly and with Transunion on multiple occasions. This account is clearly included in my bankruptcy and Transunion has received my discharge order ( through the dispute process ) on multiple occasions since the beginning of XX/XX/XXXX. Yet, they continue to send me the standard 'remains as is, accurate ' response. 

On my XXXX  and XXXX  credit reports, this account is reporting correctly as included in my chapter XXXX. On the Transunion report, it reflects as charged off and sold to another lender aka delinquent. While that may have occurred, it was still included in my discharge order and should reflect as such. Most of the other accounts were charged off, sold, and the like and I see no reason why this should be any different. I am more than happy to provide proof of all stated.

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 2020-10-08
Company: EQUIFAX, 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:
XXXX, XXXX  and Equifax has been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX XXXX XXXX in XXXX, NJ. I urged their sales team to only apply for financing at one bank, I found out later it was more than three banks. Here are the ones not authorized : XXXX  - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2020 AND XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I opened up a Barclay Bank credit card with airline miles. I spent over 60k on the card with the understanding I was earning miles paying off promptly each month. In XX/XX/XXXX my bill had a fraudulent charge from XXXX for 120 plus. I contacted XXXX they couldn't help so then contacted Barclay and explained situation. They would not help me as well and without my permission he cancelled account. I called back the next day because I had over 100k in miles ( the promotion ) and explained I didn't want to cancel. They informed me the could reopen account but I was to lose ALL MY MILES!! I told them I'd pay full remaining balance on the account as long as they gave me those miles ( which was going to be honeymoon in XXXX ) they refused. Its still affecting my credit and the WROTE IT OFF.It is complete FRAUD! Please HELP! 
Thank you for your time XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX XXXX I sent a letter to CMRE Financial Services for a XXXX XXXX account that they placed on my credit and have yet to receive a response or account deletion. The account was paid in full, Per The Medical Debt Relief Act of 2021 ; Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) ; Fair Credit Reporting Act 1-year waiting period before medical debt will be reported on a consumers credit report and to REMOVE PAID- OFF and settled medical debts from credit reports that have been fully paid or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CITIBANK, N.A.
State: WA
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 my Home Depot Credit Card account in XX/XX/XXXX. 

I applied online. Upon applying, I received a notification that I was approved and prompted to create a username and password. 

On XX/XX/XXXX, I made a purchase at the Home Depot for {$470.00}. 

I had a family emergency overseas and left on XX/XX/XXXX. I Instructed my wife to pay {$300.00} either by writing a check from our joint account or by making a money order when the Home Depot credit card statement comes in the mail. 

In XX/XX/XXXX, I returned from overseas and went to my local Home Depot store in XXXX XXXX to find out why I havent received any bill to pay my credit card. They told me that I can log online to make a payment or view my statement and provide me with the website address. 

This was the first instance in which I discovered my account was past due. I immediately made a payment and set up auto pay to ensure my account is never late again. 

In XX/XX/XXXX, I called Citibank regarding two late payments reporting on my credit report. I told them The only reason I did not pay was because I was never billed! I pay all of my bills on time. Why is it my fault that I was late when in fact I never received any bill or statement? I was informed by the representative that when I was approved for the account I created a online banking password and by doing so I automatically subscribed to paperless statements. This is absurd. If I knew I was signing up for paperless statements I wouldnt have signed up. I expected a bill or statement to come in the mail. I told my wife to pay the Home Depot credit card bill when it comes in the mail.

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