BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/19 i sent by certified mail to Loancare LLCs overnight address a letter requesting my single point of contact reach out to me via email as i tried to reach them but Loancare said they were not available for me to speak with. I was unable to find out from customer service of a Notice of Default had been filed. Loancare ignored my request called me due to what they call missing information in my loss mitigation and sent me to foreclosure instead of working with me in good faith to help me keep my home. I would like to know why they ignored my request delivered in good faith asking for assistance due to XXXX to contact me via email instead of calling, ignoring the letter sent and the information provided.

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 2019-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank of America took my house under false pretenses by saying that we needed to fall behind on our mortgage in order for them to help us under HARP. 
The house was foreclosed on after years of harassment. They got my house lost a lawsuit for fraud for taking the house. Reported the check they had to send for screwing my whole family as an income for tax purposes, just as a criminal enterprise would, and then has the balls to sell debt on the house to a 3rd party debt collector. ( XXXX ) I will NOT pay one cent on debt already settled once!

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 2019-05-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan got sold to this company in XX/XX/XXXX/XX/XX/XXXX when we refinanced. It went to XXXX XXXX and then they sold it to Lakeview Loan Servicing. We got our first statement/bill in the mail from Lakeview Loan Servicing and sent it out on XX/XX/XXXX. ( It was due on XX/XX/XXXX XXXX. The payment goes to a PO Box in XXXX Pennsylvania. Were coming up on five weeks later and they still havent cashed our check. We have called customer service numerous times and explained what is going on and they have told us that everything will take a while to transfer. They have no communication with the place that receives the check payments. They dont know where our check is. They havent sent us another statement for XX/XX/XXXX yet. They keep telling us that we should keep waiting, but were very concerned with this company and theyre professionalism. We dont want to get behind on our payments but we also dont want to be slapped with double payments all of a sudden.

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 2019-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have had at least 10 accounts repoved from my credit report. Possibly more. And not one of the did I acquire proper raises in my score for having it removed. What do I do no

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, I have been pulled over by the police because I share the same name with someone else and know one bothers to confirm identity, this is getting ridiculous.

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 2018-06-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We have 3 cards with Chase and no matter how much we pay each month we are seeing MINIMAL headway with the balances getting down. They refuse to lower our rates and we have paid more than {$4000.00} in payments yet still owe pretty much the same amount on all 3 cards. Their answer is- unless we miss two payments they can't help. 
We are trying VERY hard to get these paid and have no help from them - it's a useless task!! Someone needs to address how these payments are applied and get them to lower our rates please- we are EXCELLENT customers and trying to get this paid off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
State: NY
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, I have been pulled over by the police because I share the same name with someone else and know one bothers to confirm identity, this is getting ridiculous.

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 2019-10-01
Company: EQUIFAX, INC.
State: NY
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, I have been pulled over by the police because I share the same name with someone else and know one bothers to confirm identity, this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
American Express declined to increase my limit, they provided me with incorrect reasoning and a false credit score. When contacting customer service on multiple occasions they told me they were transferring me to the correct department when they were realistically sending me to start a new call. This was on XX/XX/XXXX. The date the credit limit increase was requested was on the XX/XX/XXXX and they claim the request was made on the XX/XX/XXXX. This is for a corporate credit card. At this point I feel I am being discriminated against for my age or for their knowledge of my previous credit scor prior to corrections. Also, with my previous employer my credit limit was set at XXXX and now this is set at XXXX. Im being forced to utilize this credit card through my employer. I need them to correct this and provide me what is provided to the rest in my company without discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collector Name : Broward Adjustment Services Balance Date : XXXX XXXX, XXXX Original Amount Owned : {$230.00} Account Number : XXXX Originated from Medical billing from Dermatologist at the University XXXX XXXX XXXX XXXX XXXX the agreed to amount, event though doctor added procedures not performed. 
After insurance paid, they sent additional bill, I called the medical department but they refused to even listen. I told them that I will not be responsible for procedures entered by error. They would not listen, then they sold the collection to Broward Adjustment Services. When they contacted me I told them about the issue, even agreed on partial payment so they would not put on my credit report. But they said either the full amount or nothing. This is medical fraud, overcharging and listing false procedures then selling it to a collection company. These practices by certain doctors taking advantage of their position and the system had to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: SC
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my WellsFargo checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX XXXX made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2016 I notified my property managers that I will be vacating my rental due to XXXX orders I provided them with the orders to break my lease. I left country XX/XX/XXXX and did not occupy the residence in the month of XXXX. The property managers however threatened to report me to the credit bureau as well as keep all remaining funds from my deposit if I did not pay the month of XXXX as well as asked me to pay from XXXX XXXX XX/XX/XXXX and whatever they do not spend they would send back to me but I refused due to military rights and clause. They reported me for unpaid rent and damages that are false. I did an inspection with one of the property managers as well as forwarded an email with proof of cleaning services but they still falsely reported this information to the credit bureau. during our walk thru the manager stated that holes in the walls from pictures will be taken out of the deposit I agreed and the manager stated that it wouldn't be no more than {$200.00} of which my deposit was {$690.00}. I also purchased new blinds and fixtures for the entire apartment, no other damages were noted. I ask that this be removed from my report due to false information and threats to attempt to seek debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
While on a cruise I was looking to by airfare tickets back to NY. Came across Delta, XXXX XXXX offer : if I, XXXX open card with them and would be approved for this promotion, and only then, I will get a temporary card number for buying Delta, s tickets and would get {$150.00} bonus, after I paid for Delta, s tickets with temporary card. And I was approved, got temporary card number, bought tickets, but received bill for entire amount. When I called to Delta and told them about promotion, I was denied base on I had a while ago their card. I might have it, not sure, but while on ship buying tickets on on my I pod, I did not see any mention of any restriction, only affirmation : if you being approved for promotion, and only then, you will get temporary card number to buy tickets right away. I could use XXXX and get cheaper tickets but Delta won my business with this promotion.Please help me, as a XXXX person, {$150.00} means a lot and it is not nice to lie about promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My purse was stolen along with my checkbook, bank card and I'd. The bank was informed within minutes. I closed my account. The bank opened a new account. Two checks were fraudulently written. The bank erred in protecting my new account. One check was corrected, but the bank refuses to take care of fraus dweck of XXXX. Despite the fact I signed and submitted an affidavit if fraud on both checks on same day. Meanwhile my account is now overdrawn. It refuses to give me my money I deposited from my paycheck before any of this fraud. The bank refuses to acknowledge the disputed fraud check. I've filed police report. The bank and police are aware both of the fraud checks were written on same bogus account and name on the sa.e day. The bank reversed all of my on line payments in order to pay itself back, but not correct the fraud error. I've been told over phone it could take 30 to 90 days to investigate, but refuses to tell me why the fixed one fraud check and not the other. Police have told me the fraud was likely committed by the felony lane gang.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase has locked my account and wont send me the password reset link. Automated Bots answer their email support and provide no help besides suggesting to look in spam folder. Numerous cases like mine reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated phone calls : XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX ; XX/XX/2019 : XXXX, many more Ally Financial repeatedly calling to collect a debt that is not mine. They refuse to provide an explanation as to how they got my phone number. I never had nor currently have an an account with them. The actual account holder did not provide my number as a reference. They are likely using a listing company ( i.e. white pages ) to find any person that may or may not be associated with the account holder and repeatedly calling and harassing to get information for a debt collection.

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 2018-06-22
Company: Porania, LLC
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: Public record information inaccurate

Complaint:
The Chapter XXXX Bankruptcy with the record number XXXX is not my account, I have disputed this and it still remains on all three bureaus of my credit report. I have disputed this bankruptcy multiple times, and have even received letters from the bankruptcy court that I've attached that confirms they can't prove my bankruptcy, but they still remain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Recently went to scrap my car and found there is still a lien on it. Wells fargo dealer services says there was still a balance on it. They never sent anything saying there where missed payments and even though when I moved 5+ years ago I called to update my contact information it appears that whoever I talked to at the time failed to update my contact information. I had auto payments set up so I do not understand how there is still a balance on the account. I contacted Wells fargo dealer services on XX/XX/XXXX and was told they could not take payment on the account and that I would receive the title in 30-45 days I checked today and it still shows the lien has not been released.

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 2018-05-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
During Hurricane XXXX  I lost a huge account. I got behind in my American Express payments. I had several other credit cards who worked with me. I tried talking to American Express without success. They jacked my interest rates up to 29.99 % and then cancelled my credit card. They had men call me almost every day harassing me to pay my bill. My wife and I took out loans to pay it off and she tried to be added as a user so she could communicate with them. Because they cancelled my card they wouldn't add her, nor would they talk to her about payments. We owed about XXXX. We paid off XXXX in one lump sum ( the minimum required was XXXX ). Imagine our shock when we got a bill from AMEX STILL charging us 30 % interest and the credit card is still cancelled. They harassed me mercilessly and the men were all foreign speaking with a heavy accent and were very very pushy. Every other credit card is charging me about 11 % interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Already submitted complaint XXXX in regards to payments, payment hold, being told I had returned payments when in fact they were cancelled but still attempts were made to deduct the amount from my account. Then after my complaints started with customer service, all of a sudden I was in collections, mind you never have been past due, late, on any pmt but my account is in collections or Line Management if you will. After complaining about long hold on payments being made forward my MasterCard and after my account we closed on accident on already but reopened the following information I will provide is exactly what I mean that CitiBank has to be doing some kind of unlawful practices. On XX/XX/2019 I initiated a pmt to be made in the amount of {$55.00} after I received notifications my pmt was received and credited that particular balance of {$55.00} was not available to me, again this bank goes putting guaranteed funds on hold towards a pmt. not on XX/XX/2019 I made another pmt of {$55.00} because the original stil was not reflecting on my acct as avail. After speaking to customer service and line management I was told the item had returned unpaid by my bank which it did not and that I needed to pay that amount along with returned fee. Of course I became irate and this is when I began to piece all together right before XX/XX/2019 account closure. On XX/XX/2019 cotibank without my authorization took another pmt for same amt {$55.00} but apparently does not have recorded of that payment so its under dispute with my bank. Low and behold I receive a letter from citi and is attached to this portion of my complaint.

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