BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
Company: Walwick, Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Debt collector from XXXX XXXX XXXX in XXXX XXXX Washington ( XXXX XXXX I believe ) contacted my employer on multiple occasions after she had already confirmed my current address and phone number. First spoke with my supervisor where she revealed personal information about me and my debt to them compromising my employment and then spoke with me. when I asked her not to speak with me or contact me on my work phone she said she could if she wanted to because she was collecting a debt and if i paid it she would stop calling my work. This can not be legal

Company response to consumer: Untimely response
Consumer complaint received 2018-05-17
Company: ID Analytics, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was denied credit by lender XXXX XXXX. My XXXX  score is XXXX. But, XXXX XXXX XXXX was also contacted as a CRA by the lender, and it reports " delinquencies '' ( I have none ) and gives me a score of XXXX. XXXX XXXX XXXX also notes " limited history for this phone. '' I am XXXX years old and have had credit history for about 45 years, and have had all of my phone numbers for many years. XXXX also says " proportion of satisfactory trades too low. '' I make no trades that I am aware of. I called the number on my denial notice but only get a recording at XXXX. I left voicemail but not optimistic. So I'm wrongly denied credit because of XXXX. I also reviewed their website, and they require me to mail them my SSN and other information, and copy of my ID, just to get a report from them so I can dispute it..

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 2019-07-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent XXXX to Coinbase Pro at the bank account their website ( XXXX XXXX XXXX ) advertises : Account Number : XXXX XXXX   : XXXX Bank Name : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX Account Address : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX This was sent 10   days ago ( XXXX XX/XX/2019 ). My bank has confirmed that it arrived in Coinbases account. Coinbase have not answered my support ticket ( except for generic copy and pasted responses ) which was raised 5 days later. I called their customer support on Thursday ( XXXX XXXX ), Friday ( XXXX XXXX ) and Monday/ today ( XXXX XXXX ). They respond in rehearsed answers and do not tell me whats going on. This is the second payment that they have taken. Another one being made to their XXXX account on the same day that my bank confirmed was deposited into their account within an hour. 

I think they are holding customer funds to use for their own liquidity. Internet forums are full of similar stories with Coinbase. They have the worst reputation of all cryptocurrency exchanges. I should of read the forums before sending my money to Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Waypoint Resource Group, LLC
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 am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent account XXXX XXXX  open XXXX-15 Amount XXXX Fraudulent account XXXX XXXX open XXXX-15 Amount 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 non-monetary relief
Consumer complaint received 2018-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America is allowing transactions to post even when an account has a negative balance so they can collect NSF charges. A honest bank would deny the transaction ( s ) preventing customers from being charged a NSF fee. This remedy is better than me having to call and demand the fee reversal.

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 2019-01-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Today I tried to resolve and issue regarding a offer under the Amex blue card. At 1st they denied the claim due to not selecting the offer. No help, just you are denied and no reason other then telling me that the offer was never dated. I selected the offer saved the offer in the app. I had to request a supervisor and eventually the supervisor advised that outlet stores are not included in this deal. The small print of the outlet store is not clearly identified and is miss leading in the disclaimer. This should be clearly identified and its not. I purchased the items at the XXXX XXXX  XXXX   with the intent that I would receive this discount via the Amex blue card. I would have never purchased if the card wasnt going to reduce the bill by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing to complain about XXXX XXXX XXXX and a store in Florida that has been harassing me for years and says I owe them money when I do not. 

I originally purchased phones from them to take with me overseas where I lived. They told me the phones would work overseas and they did not. I originally spent close to XXXX dollars on the phones, cases and a speaker. I immediately flew back to Florida to return them right away because they have a 14 days return policy in order to receive a full refund for my purchase. When I arrived, I initially called to speak to the manager and sales person who sold me the phones. They placed me on hold several times and never picked up the call. They also took many messages from me and no one returned my calls. I called XXXX and they told me to go back to the store and ask for an immediate refund which when I arrived at the store the clerk said he could not give me a full refund. I then told him I wanted to speak to the sales person who sold me the phones and he was unavailable along with the manager of the store. I finally had to call the police in order to get their complete attention and a full refund from the store. I had returned the phones on day twelve, 2 days before the 14 day return policy. All the items were still in their packages and everything in tack. I had the receipt as well. I did everything I was suppose to do in order to receive a full refund and never used the phones or phone service because the sales rep and manager of the store lied to me to make a sale. The manager had deactivated the service upon the return.. He gave me half of the refund in cash and the rest was sent by check from XXXX. Approximately a month later I received a bill for XXXX dollars without any explanation from XXXX. I called their headquarters and explained what had happened and they said they would investigate it and get back to me and never did. Soon after and still I am receiving letters from collection agencies claiming that I owe this amount. I sent these agencies letters explaining what had happened and attached and sent copies all of my receipts and names of people i spoke to at XXXX along with the names of the sales person and manager of the store. I sent emails and mailed them letters with copies of all receipts. I never heard back from them and they still list this debt on my credit report under collections. It has been over 3 years since this incident occurred and i believe that because I called the police to assist me with this return that the manager is behind this false charge or fee that has no bearing or explanation at all. Please help me to finally take this charge off my credit report. It has hurt my score tremendously and I dont know what more to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: DISCOVER BANK
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX at XXXX XXXX  I made an electronic payment to XXXX XXXX for {$160.00}. I received an email confirmation during that evening. On the morning of XX/XX/XXXX I saw in that email confirmation that the transfer went to Discover, not XXXX. I called XXXX as soon as they opened. I was informed that I needed to wait until it processed to have it reversed, as they could not stop the payment at this time. 

I checked the status multiple times and as soon as I saw it cleared on XX/XX/XXXX, I began my struggle and every other week conversations with Discover ( an account I do not have and XXXX XXXX. I spoke with multiple representatives, in varying departments ( customer service, disputes, resolution, escalation, payments ) at Discover - mostly frustrated but a couple times feeling this is finally over. Then after a couple months the charge is back. XXXX, at XXXX in XXXX XXXX, Ohio has been great through this whole thing - even in XXXX/XXXX on a three way call with myself, XXXX, and XXXX ( from Discover resolutions ) - thinking this time was the end, but not. 

XXXX did a reversal and put the money back in my account on XX/XX/XXXX. Then that was reversed and taken back out on XX/XX/XXXX. 

Discover processed a temporary credit for missing payment of {$160.00} for missing payment on XX/XX/XXXX, then reversed on XX/XX/XXXX. Then again processed a temporary credit for missing payment of {$160.00} on XX/XX/XXXX, then reversed on XX/XX/XXXX. 

That brings us to today, the money is gone from my XXXX account, Discover says the account does not exist - even though I have given them the exact account number, electronic transfer information and have the correct address and all information. I have faxed them bank statements, transfer reports, various information requested multiple ( repeated ) times. ( That is {$1.00} per page and going to the library every time ). The most recent of those on XXXX, XX/XX/XXXX ( I have the transmittal confirmation ) - there have been many others and e-mails. I have spent so much time on the phone - receiving and calling. It has taken valuable time away from my family, work, and life - not to mention the frustration, anger and resentment created. 

I expect the credit to be applied by Discover and compensation for the time lost due to the constant contact with them ( and XXXX ) during these last almost nine months. If you need any additional information please contact me at XXXX or XXXX. 

Thank you so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
During the week of XXXX XXXX, PNC bank reordered deposits and withdrawals on my account to maximize overdraft fees. Deposits were not credited to my account consistent with my PNC banking agreement. This has occurred previously on the account in XXXX and XXXX an overdraft fees were refunded. When I asked for a review and refund of fees, this was denied by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
There was a balance transfer on my statement on the folowing 2 dates ;  XX/XX/2017 = {$5000.00} XX/XX/2017 = {$2500.00} I have requested on numerous occasions proof that I/we gad requested these Transfers to no avail. American Express could not produce a copy of the checks. AX sent out this account for collections! 

Account # XXXX & XXXX AX also would not turn this matter over to their Fraud Department?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a mortgage modification for several months and keep getting my modification packet sent back to refile a new one for amazing inept reasons here is a time line for the last 3 XX/XX/XXXX Full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX Additional supporting documentation emailed to PNC 's attorneys as requested XX/XX/XXXX Letter of Explanation regarding tax returns emailed to PNC 's attorneys as requested XX/XX/XXXX Updated documentation as requested emailed to PNC 's attorneys XX/XX/XXXX Advised of removal from PNC Loss Mitigation  Program due to requested documentation not received ; however, the materials scanned and emailed on XX/XX/XXXX were exactly as requested and sent in the time frame requested. 
XX/XX/XXXX Advised that a complete new application package must be submitted before PNC would continue the review. 
XX/XX/XXXX Another full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX As requested, faxed 3 months of XXXX XXXX statements with page 4 of 4 unmarked and blank as received to prove that the statements were complete. 
XX/XX/XXXX As requested, we again faxed the XXXX XXXX statements ; PNC will not accept the fact that the 4th page is blank. 
XX/XX/XXXX With continued commentary about the XXXX XXXX statements from PNC, we mailed the original statements to PNC Bank Loss Mitigation to prove that page 4 of 4 is blank. 
the sheriff sale for my home is XX/XX/XXXX 13 days from now please help me save my home ... regards XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
These Bureau 's continue to report unvalidated information on my credit report. Ive requested numerous times that this debt from XXXX XXXX be deleted from my consumer report due to lack of validation and proof that it was authorized by myself. I've even reached out to XXXX and there has been no response back. My next step is to file a civil suit against this bureau due to their lack of following the law and procedure. This action violates FCRA SEC 623, and is defamation and willful injury. I called and one of the reps was very rude to me. Another rep hung up in my face after asking the process of how these accounts are validated before they are placed on our consumer report. The rep pretty much said there is no PROOF required and its the company 's word against the consumer. Which is odd, so the consumer has to submit proof that its not theirs but the company submitting is not required to send contract binding proof that this alleged negative account belongs to the consumer. This sounds like ill will and character assassination in my opinion.How is this accurate and fair reporting if the accounts are not investigated before communication with the consumer or proof of a binding contract from the company submitting the information, and how is this permissible seeing that I am not in any consumer credit transaction with your company. Please explain this.Per 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. Per 15 U.S.Code 1681c-2 ( a ) with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with XXXX XXXX XXXX not relating to any transaction by myself, XXXX XXXX and Transunion are required to place a block on my consumer report on the information associated with XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. I've submitted an identity theft report along with a police report explaining how I did not authorize this account to be opened and that this unauthorized account is still being reported on my consumer report. As the consumer I'm entitled to know how these accounts are verified and XXXX and Transunion refusal to cooperate is unacceptable and goes against my consumer rights under FCRA.

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 2018-01-27
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Amount : {$550.00} Account status : Open Original Creditor Name : XXXX  XXXX XXXX Wait! This is the same debt that XXXX XXXX is attempted to collect on XXXX. You know what I'll re-dispute XXXX XXXX today also so CFPB can see what you guys are doing is totally devastating people 's financial life. That's terrible! 

I did went to the XXXX  XXXX XXXX and When I got there, a XXXX whom were in training poked me 4 times to get my XXXX   and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: HANCOCK WHITNEY BANK
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I purchased a car in 2008. My grandmother was making payments on the car while I was in college and young. She fell ill and stopped making payments in which I was unaware. The car was involved in an accident and when the bank tried to repossess the car it was in the shop. I told them where and assumed they picked the car up from the mechanic and that was the last I heard for years. I assumed the car was taken and sold. Five years later I opened my check to discover someone had taken half of what I made. It was the first time I was ever aware I was being sued for anything. I was not in a position to fight them, I was a single mother trying to make ends meet and could not afford an attorney. I made an agreement to pay them. A debt in which I thought was the total for the car. Unfortunately five years later I am still making payments. I am desperately trying to purchase a home for my daughter and I to live in. I offered to settle with them last year. I offered them XXXX XXXX dollars which was roughly 50 % of what was left. I had already paid them XXXX XXXX so I assumed that was fair. They declined my offer and continued to track me down and demand more money every time I turned around. I am still making monthly payments to them and would truly just love to be able to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, we experienced an act of nature that caused damage to our home. After receiving and sending the insurance claim check to PHH for processing ; PHH has refused to issue us the funds. Due to the issues we were experiencing, we reached out to the XXXX XXXX XXXX and our congressional assistance. Once receiving letters from these two organizations, everything 'magically ' appeared in their office, waiting for us to sign and fax back in ; which we did on XX/XX/2019. I am attaching the letter that PHH sent in response to our complaint and the response letter that our daughter sent also. In the response letter and supporting documentation, it provides the numerous times we have provided the requested information to PHH. 

Since this time, none of us, including the contractor who will be doing the work for us nor our insurance claim adjuster have been able to contact any representative within the Loss Draft Correspondence to learn when our funds will be released. Therefore, we continue to be displaced with no timeframe for when we can begin making the necessary repairs to move back into our home. 

Furthermore, given the current climate in the United States, as it relates to XXXX, if individuals working for PHH Mortgage are purposing refusing to release the funds ( which should be released into the homeowner 's name ) because we, who are elderly, XXXX American seniors are hiring a XXXX owned company to complete the repairs to our home. 

Is there anything that the CFPB can do to end the predatory lending and business practices of this company?

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