BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-25
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase has locked me out of my account on their website and I can not seem to get it recovered. Trying to sign in with my username and password pulls up a prompt for a 2 Factor Authentication code texted to an old phone number that I do not have anymore ( I recently changed it and forgot to update it on a few sites online including this one ). The normal process for many websites and 2FA issues is to submit proof of identity, but I am having repeated issues doing this with Coinbase with little effort on their end to help resolve the issue.

After clicking the option that I no longer have the phone number ending in ( my old number ), I am taken to a " coinbase account recovery '' page that asks to upload my state ID and a picture of myself to verify that I am who I say I am and to recover the account. I am not sure what is wrong with their program, but I can not get the system to verify me no matter what I do. I have taken clear photos of my ID multiple times with my new XXXX smartphone, and for the picture of myself have used said phone camera as well as a laptop webcam, but no matter what I try to use their system refuses to accept the valid ID and photo of myself and will not recover my account. 

After this, I tried contacting Coinbase customer support through an online field submitted to them, detailed with this information that I no longer have my 2FA phone number, that I can not sign in to my account, and that their recovery systems are not working and put in a request for another way to verify my identity and recover the account, such as sending a copy of my social security or birth certificate, for example, or having a support agent personally check the ID and " selfie '' online if their automated system is having issues.

I received an email from Coinbase Support within two days after, with what seems to be a canned response. It simply lists the steps to start an account recovery process using the automated method that above I stated is not working, so this was not helpful in recovering my account, as well as a few " tips '' for a successful validation that did not work for me. Furthermore, I was hoping to respond to this email with a further request for something to be done as this did not help me get my account back, but I have no further way to respond to the support ticket filed. The link in the email to follow to view the ticket status and add comments, etc does not work, clicking it simply redirects to the general support FAQ page.

The fact that I can't recover my account in a timely manner isn't even a big deal, what's frustrating is that their recovery systems will not work even though my identity is accurate and true on the ID and photo submitted, and when I inquired on why it wasn't working and how to get my account back if it wasn't working, they simply sent a canned response and won't even give me a method to reply back for a different solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Appraisal Transfer Refusal. I have been refused a refinance application and the company involved will not forward the appraisal documents for my home to my new lender XXXX XXXX XXXX. This request has been ongoing since XX/XX/2020. The appraisal was paid for by myself. 

It appears there is 1 individual working for 2 mortgage companies. I applied to Caliber Home Loans after they offered better terms than XXXX XXXX. 

The person who ended up servicing my application : XXXX XXXX 's ( XXXX ) XXXX Direct Line Email Addresses : XXXX XXXX I ended up receiving a refusal from XXXX XXXX  although I did not follow through with my application as well as from Caliber Home Loans. Mr. XXXX started using his XXXX XXXX  email 3/4 into the process. 

My new lender is unable to move forward until the appraisal has been received by XXXX XXXX. We are 2 months into requests and XXXX are not receiving any reply although I signed a document giving my permission to give the appraisal to my new lender. I obviously do not want to pay for another appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collectors Name : ENHANCED RECOVERY CO L Account Info : XXXX Creditors Name : XXXX XXXX XXXX Open Date : XX/XX/2018 Balance : {$230.00} Debt : {$230.00} Contact Info : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been to XXXX XXXX  At XXXX XXXX. They have 2 charges on my Credit report for the same thing. I have disputed this, and was told it would be removed, It has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our loan last year and the loan was sold to AmeriHome Mortgage on XXXX. We asked for an escrow account. We have been told multiple times what is needed to obtain the escrow account but once we submit the documents and the payment, the company fails to act on the request. I have contacted them multiple times and they keep saying they need something else to obtain the escrow account. Once I submit the new documents, they fail to act on it. I have gone through this multiples times and have even had to make my tax and insurance payments myself. My husband and I are retired and it constitutes a burden for us to make these payments all at once. 

This company has pulled extra payments and have held our money in an escrow account since XXXX, XXXX  but has never made a payment to our taxes or insurances. 

When I request information in writing they say they are going to generate a letter to us but no letter is forthcoming. 

Is there anything we can do about this situation beside refinancing with another lender?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been told by one of my creditors that somebody stole my information opened up a credit card fraudulently and they told me Im 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 2021-02-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian Credit Bureau They are pretty much unreachable if the consumer wants to ask about credit inquiries on their credit record or more importantly if the consumer wants to unlock a locked credit report. They have a web site process that is completely dysfunctional - just an endless loop. They have a phone tree that doesn't even allow access to an unfreeze function or to a human being for retail clients. A simple web search verifies that legions of consumers all have been asking how to access Experian - and some give " back door '' suggestions such as posing as a business client rather than as a retail client. This is definitely below industry standard - the other two comparable large credit bureaus provide these services easily via both web access and via direct access to phone agents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax makes it difficult if not impossible to contact them to dispute! Although I have an excellent credit score, credit agencies rely on defective parameters to assess credit worthiness and scores. As a senior of advance age, with no factual indebtedness, and substantial assets, there is no basis for criteria revolving around credit debt for the elderly, such as mortgages, car loans, or other loans. It is fundamental of good financial management, as one ages, to clear all long term debt! The lack of debt should not be a negative. Suggestion that I am using more of short term than is factual. No long term debt. For decades, these credit agencies, ignored the facts, and made it impossible to get credit in the U.S., despite my mortgage free home in U.S., and no debt. As I had excellent credit in XXXX, my home base, one would expect these same credit agencies with operations in XXXX, to communicate! The system appears to favor those in greatest debt. Credit scores are too often based on flawed basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I was approved for Capital One Platinum card in XXXX of XXXX. I have continuously been deprived of online access and cant even log in to make a payment or view transactions to see if they are even mine or for the correct amount. I had been granted a legal name change under a sealed court record due to XXXX  XXXX and XXXX  back in XXXX and I have repeatedly sent Capital One a copy of my identification and an explanation about name change, if thats even a problem. I spend 2-3 hours at a time on the phone with Capital One, get transferred around the globe and nothing gets resolved. I input my cell phone number ( which is prepaid because its cheaper and keeps me safe due to XXXX  XXXX ) and Capital One has the number linked to my profile but the online system does not like my number.

Capital one is the only credit card provider Im having a problem with. No one else has identity issues or problems with my number or giving me online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a bill from a electric company I owe apparently but was not billed until years and years later when I have a current address up to date. I always paid my bill. I was a young single mom and going through a energy program at the time and had duke. Not sure how I owe all this money all the sudden. I have tried to dispute. Ive never received a bill let alone a itemized bill. Have had the same address and its public record for 6 years now. This is bull city financial who has this debt now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/2021 I called Credit Bank OF AMERICA @ XXXX Phone : XXXX XXXX XXXX for reason STOP TRANSFER money {$150.00} into office Lawyer, in the time I called the bank Money still holding in bank OF AMERICA BUT EMPLOYMENT the Bank intention want to pay money for lawyer {$150.00} from my credit although I called the bank OF AMERICA and I gave reason lawyer cheat me But employment the Bank want transfer for lawyer, and they said with me Monday after transfer for lawyer, I called them they will get back for me, If I called back Monday, I called back I am not employment sent get back for me when lawyer cheat me, they no help my case for me, and they did not answer all my question from me They said, I should to wait 90 days, If lawyer agree refund for me, The bank OF AMERICA will refund for me, But lawyer did not want refund for me, I should to pay {$150.00} Now I petition CFPB solve for me, and to request the bank responsibility about that because their employment want to pay for lawyer, It is not from me It is seem act fraud and abused

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 2018-05-10
Company: Experian Information Solutions Inc.
State: FL
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:
Someone has been stealing my identity since 1996 and until now I realized that it is the first time that I request my credit report. The date of birth is incorecta. several directions I have not lived, that person has bought a car with my name, travels to different countries, purchases in different stores. I need to know what is the proseso to solve this problem and sue this person for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
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:
This XXXX Credit Burea hard inquiry is on my credit report but its not belong to me

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 2020-08-21
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Just got off of Forbearance, and mortgage company was adding extra fees for unexplainable reason, which i believe i am being taken advantage for their possible losses in their revenue.. 
Spoke to 2 different reps, and the first one i spoke to took my payment on XXXX, for 7 months, that i owed for being on forbearance, and told me that all i owed was for the fees, in which i told her i would pay those on XXXX. On that date, I went to the web site to make a payment, and notice and extra XXXX dollars added, when all i was told that, the payment was for the fees only, when on XXXX the payment, on the web site on that day read the 7 months payment due XXXX So i get on the web site on XXXX, and their is an additional XXXX dollars added, with a due date of XXXX The 2nd rep wanted to add an additional XXXX more for fees to the already XXXX dollar added amount on top of the fees that i had agreed to pay with the first rep on XXXX My complaint is the fees that am continuing to pay ; i feel are for their benefit and not mine.. I understand i was struggling to make payment for a while, but with fees for this and fees for that, how is a family going to make the correct payment if the amount on the web site is not the correct amount due hidden fees, which in then i get hit with a late fee because the right amount was wrong on the web site..This mortgage company took over my previous mortgage company ( Seterus Inc ) which i filled a complaint with them for Breach of my information..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son was seen at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/XXXX and we paid -- via credit card in person -- that very same day for all services provided. We were then continuously sent notices of overdue/outstanding balance and we contacted the company various times over the phone to resolve this to no avail. We then continued to document our efforts via emails : on ThursdayXXXX XXXX XXXX XXXX XXXX XXXX, and again on Mon, XXXX XXXX XXXX at XXXX XXXX and again on Mon, XX/XX/XXXX at XXXX XXXX, and on Tue, XX/XX/XXXX at XXXX. Today, XX/XX/XXXX we were contacted by a debt collector to collect on this debt that was never outstanding. We have provided proof of payment MULTIPLE times and have several emails from the XXXX central business office confirming Thank you for contacting XXXX XXXX XXXX. We have received your proof of payment and have forwarded it to our payment posting team for review. We have complained of this harassment and are tired of having to continue to fight this companys fraudulent debt collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period. 

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.

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 2018-05-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/XXXX At the moment of the Blizzard that was happening that day in XXXX XXXX, I have been at XXXX XXXX which is a XXXX XXXX. On XX/XX/XXXX. My husband XXXX XXXX and I had a flight to XXXX XXXX  where we wore supposed to take the flight with XXXX XXXX to XXXX. Once we got to the airport we have been told that our flight is canceled. We have had our flight booked with XXXX XXXX to XXXX XXXX. Our flight from XXXX XXXX  with XXXX XXXX was scheduled on XX/XX/XXXX.The soonest date XXXX XXXX could reschedule us to get to XXXX XXXX was on XX/XX/XXXX. The claim is for XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX which refused to cancel our flight despite the natural disaster. We couldn't get to XXXX XXXX due to the Snowstorm. We called the XXXX  XXXX as soon as we knew that we won't be able to get to XXXX XXXX. They refused to work with us and refund the flight we couldn't take due to the natural disaster. After that, I called the bank ; they seem to be understanding of our situation. They refunded the money and started the claim.On XX/XX/XXXX,  I saw a transaction of the XXXX flight and XXXX XXXX XXXX was refunded for the service that we never get to use. I'm not sure why the chase company allows them to charge me for the services I never got to use due to a historic snowstorm. I have been a loyal customer for a long time. I send some evidence of my presence at the XXXX at the time, cancelation of the flight, evidence of the natural disaster and ask you to review my claim. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX XXXX that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.

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 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I've submitted claims against 2 companies. Both were denied for invalid reasons. One I was told was denied because I had prior business with the company even though the had given me a credited. I contacted the companies regarding the charges and that is all that they refunded. The other is a company that I never dealt with. I have dealt with companies similar to this company and that who I though was pulling from my account but I later found out that it wasn't.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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