BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-30
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My case number is XXXX. 

I first contacted coinbase on XXXX.. I was following the steps to reset my 2-step authentication when you no longer have access to that number. It sent  a code to the old number even though I no longer have access and within a few minutes I got an email saying I had successfully changed my password. I put a temporary disable on my account because I wasnt sure if someone gained access to my account because coinbase sent that code to a random person.. even though again I put that I had no longer access to that phone number. So this all started because coinbase compromised my identity. 

I have sent multiple emails, waited on hold for over 2 hours on 4 separate occasions, escalated my issue, reached out on XXXX and XXXX. Coinbase sent me an email to explain My case and escalate it on XXXX/XXXX/XXXX. It had already been almost a week. I was told my issue would be solved within 10 days. 

I think this company is a fraud and is purposefully withholding my login. I cant possibly imagine a company that will not contact you back for weeks when it is involving time sensitive money when all I needed to do was change a telephone number on my account. I have lost money and I am very upset. 

This is happening to hundreds if not thousands of people. Literally all I needed was someone to let me change my telephone number and unlock my account. My money is held hostage and I can not withdraw until this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX, I sent a letter to Experian via certified mail asking them to provide their method of verification for the XXXX  XXXX Bankruptcy they are reporting on my credit report. They did not respond. I sent another letter via certified mail on XX/XX/XXXX reminding them of my attempts to get this matter reinvestigated. Because they would not respond timely, I filed a complaint with you ( Consumer Financial Protection Bureau ). Complaint # XXXX. You forwarded the complaint to Experian, they responded back by stating the summaries that they had indeed sent me on dates back in XXXX and more recently XX/XX/XXXX. There have been recent developments since XXXX which was my reason for asking that they provide their method for verification. On XX/XX/XXXX. I received a response from Experian stating they would not reinvestigate this item unless additional information to support my claim was provided. On XX/XX/XXXX, I sent yet another letter via certified mail and I provided the additional documentation to support my claim. I should not have to continue to go round and round with them when I have provided plenty of documentation to show that the information they continue to repeatedly say verified is not accurate because XXXX XXXX whom they say verified the information is not reporting it on 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 2021-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/21, fraud was committed on my checking and credit card accounts with Wells Fargo. {$7200.00} was sent via cash advance from the platinum credit card into the checking account. From the checking account, the perpetrator wired the {$7200.00} ( from the credit card ), along with around {$2000.00} ( from my checking ) to another account. A wire transfer fee of {$30.00} was charged to my checking, a {$360.00} cash advance fee & {$61.00} interest charge were charged to my credit card. Charges are still present & fees continue to pile on I reported this to WELLS FARGO on the day that this occurred & communicated that I did NOT authorize any of these transactions. Representative filed a claim and assured me that this issue would be investigated & resolved. Also, I was told that the issue would be addressed and my funds restored within 10 business days. I have called regularly to check in on the status. 

The credit card is still maxed out and Wells Fargo has continued to charge additional fees ( cash advance, interest ). Wells Fargo DID NOT request a verification or confirmation from me for this fraudulent wire transfer. They did not flag the transaction- despite me NEVER wiring money or ever making large amount transactions. They have in the past contacted me to verify unusual or suspicious purchases with small amounts. Yet they did not think a {$9100.00} transfer was unusual??? I trusted them with the safety of my accounts. Ive been an account holder for XXXX years and have paid my bills responsibly, and work hard for the money I earn. My Wells Fargo card, prior to this incident, had a status of ON TIME, NEVER LATE for payments. It also had a {$0.00} balance at the time of this fraudulent transaction. 

Wells Fargo has not assisted in resolving this issue and has not restored the funds that were depleted. Instead they expect me to pay off this overlimit amount on the credit card- that occurred due to fraud and Wells Fargos negligence. 

I have filed a police report, filed a complaint with the XXXX XXXX XXXX  and multiple complaints within Wells Fargo. 

My credit score has gone down XXXX points due to the overlimit balance on the credit card. My checking was almost completely depleted ( the scammers left a whopping {$140.00} out of the {$2000.00} I had in there ). Ive communicated the multiple ways that this incident has negatively impacted my life and Wells Fargo has done NOTHING to resolve this issue. It is XX/XX/XXXX and Ive had to live without use of the funds I thought were safe in the Wells Fargo checking account OR the Wells Fargo credit card that I thought Wells Fargo would make sure was secure.

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 2021-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow is higher than what should be collected. Representative XXXX XXXX XXXX XXXX said adjustment will be made in XX/XX/XXXX payment but it did to happen and XX/XX/XXXX is still also not adjusted. Last escrow statement was XX/XX/XXXX though it should be done quarterly. I attempted multiple times to contact company ( by phone and website msg ) but nobody picks up phone and leaving my name and number does not result in a callback. I requested in XX/XX/XXXX that I take over paying my insurance so my escrow balance should be refunded to me. No response all this time.

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 2017-07-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX received a telephone call from XXXX collection agent, XXXX # XXXX. She stated that I need to make a payment towards my mortgage and it was delinquent 15 months. First I told her that I was not delinquent 15 months as 3 months have not been credit to my account from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and further I was under review of a modification that was fully submitted on XX/XX/XXXX and waiting for a decision within 30 days. In a condescending tone, she stated that my modification was not guaranteed and my payment can go up. She further stated that since I was not making a payment I must not be able to show the bank that I am able to afford the house and therefore she is noted my account that I need to look into other types of programs such as deed in lieu. I told her that I was not going to be threatened by her and to speak to my Point of Contact. I was on hold for over 30 minutes and then hung up and called back 2 more times with no success. I contacted the HUD Department and waiting to hear back from them before next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX money transferred to XXXX via XXXX service on BOA 's mobile site. 

Person was a scammer, never received goods as promised. 

Called bank within minutes of transfer, they can't help me, said they could only get the money back if the person agreed to give it back. 

We should be protected for money sent through an offering on their website.

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 2020-02-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It is pretty much impossible to dispute a wrong information in Experian credit file. My date of birth is incorrect in my experian credit report. I submitted the dispute and reported the problem and today the result of the dispute did nothing. 

I would love to know what is the point of having the ability to dispute something if there no resolution to the issue. Extremely frustrated. According to investigation Experian went through, I was born in a different year lol. Such a incompetent company. 

As simple as verify my information in one of the other 2 bureaus and they could quickly realize of the mistake, but instead they decided to do nothing about it. 

The best thing, good luck if you try to talk to a representative over the phone, literally impossible since their customer service number ( at least the one published ) will only let you talk to a robot with no possible way to have access to a human representative. 

My question is, how do we get this fixed Experian? Should I give up and leave the wrong year of birth on my credit report? 

Please do your job and get my year of birth fixed.

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 2021-04-27
Company: First Mortgage Solutions
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
If i could give zero stars i would. From day one this pathetic excuse for a company overpromised, lied, misled me for weeks. Up until the day i was supposed to close. They dropped the ball multiple times. I have never experienced someone so incompetent. I lost my home because XXXX, XXXX and the rest of the clowns have zero idea how to do their job. If you wa n't to actually close on your home, DO NOT WORK WITH THESE PEOPLE. DO NOT FALL FOR THEIR TEASER RATES THEY PROMISE. The second the paperwork was signed, they completely turned the tables. I hope this company goes out of business before they have a chance to completely XXXX someone else 's life. Now i am living in my car after driving across the country to close. Disgusting practices by this piece of XXXX  company.

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: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in a apartment complex ( XXXX XXXX  XXXX XXXX, XXXX ) from XX/XX/XXXX. I moved out of that apartment in XX/XX/XXXX. I did not get any communication from them that I owed any amount while I left the apartment. I got a letter from National Credit Systems on XX/XX/XXXX, 6 months after I left the apartment that I owe {$2500.00} to the old apartment due to damages caused to the apartment. I have not been given any bills or proof of this damages caused to this apartment. When I tried calling National Credit Systems about the proof and why I was not contacted for 6 months and I wanted to dispute the debt, they were rude and disconnected the line saying that this debt will be on my credit history. I have a exemplary credit history and would like to maintain the same. Please help me. They are frauds trying to collect money by threatening me. 

National Credit Systems Inc Curent Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX Account # : XXXX Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: WI
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:
Equifax is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX/XXXX  as past due and three collection XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account on my credit report. I disputed this fraudulent account XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX and XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX, XXXX. XXXX and XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Equifax and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXX/XXXX  credit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX/XXXX  credit card remained on my report however the XXXX/XXXX  inquiries disputed as fraud were removed. How can Equifax agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Equifax being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Mr Cooper in regards to after Forbearance procedure in which they mailed and emailed me the paperwork to be filled out to be considered for a loan modification. At the time there was a said due amount of roughly {$21000.00} of which I told them I wouldnt be able to pay that in full but I had roughly saved {$10000.00}. I submitted my paperwork in a timely finish and was told to expect a response in 30 days. I kept a log of when I called them and when they called me and the only response I would get is its in Underwriting. It wasnt until XX/XX/2021 when I finally spoke to my Loan Specialist that I was told my loan has been transferred to another Servicer and XXXX XXXX sold my loan to a private Investor of which Mr Cooper would not relinquish that information. I just received a letter on XX/XX/2021 from my new Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: First Data Corporation
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am still having problems with my personal checks being declined by TeleCheck Services , Inc. I need to know the reason why my checks are still being declined. I want to be able to write and use my personal checks, without my personal checks being declined. I want TeleCheck to approve my personal checks. I have a current available checking account balance of : {$50000.00} with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
Santander has been in violation and its getting worse everyday. This business has some shady business practices. Ive been in default since XXXX and never even knew about the lawsuit and when I asked I was told that it didnt matter. But it does because I had to get my payment deferred a few times due to loss of job during pandemic. XXXX of XXXX I fell behind on my payment again due to being sick and out of work.. I made arrangements to pay my bill and was told I had time but a few days later I come outside to my car being gone. No notice no nothing even with my payment arrangements in place was then told I had to pay Over {$2000.00} plus repossession fees ( + {$400.00} ) all before my next due day was even due I paid get my car back then I check my credit and santander closed and charged of my account due too natural disaster. Then they changed it to closed and charged off as bad debt profit and loss write-off and its charged off every 3 weeks just about. Santander is in violation with FCRA with more than one error on my credit report. Ive had the loan for two years and santander doesnt update my balance in fact all of my payments only go to interest never to my balance also my actual online account doesnt show anything but they call me everyday asking for different payment amounts. My loan term was for 6 years 72 months but they report 6 years 82 months. They report my last payment was XX/XX/XXXX and XX/XX/XXXX I received a call back in XXXX saying I paying {$2000.00} more than needed and my balance went down.. then a week later I get a call at work demanding I owe {$700.00} from the repossession. I feel like Im being robbed and they still want me to give them money Im not even sure if they still have the debt or if they sold it. I dont trust giving them my money if they arent going to actually put it on my payments its like they are stealing it and as a consumer this is not the place to do real business. I have over a years worth of proof please help! I have way more documents if needed I can get the organized and have a folder sent by certified mail in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX AND EXPERIAN ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.

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 2017-07-12
Company: EQUIFAX, INC.
State: PA
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:
I contacted XXXX XXXX and Equifax on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
<P/>
I have been unsuccessful with XXXX XXXX and Equifax, I sent letters to the agencies who placed inquiries on my report, no response, I asked XXXX XXXX and Equifax to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
<P/>
XXXX XXXX : Equifax was authorized but only once, they have it listed twice onXX/XX/XXXXand XX/XX/XXXXXXXX XXXX was authorized once but listed twice on XX/XX/XXXXandXX/XX/XXXX.
XXXX was not authorized at all onXX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXXor XX/XX/XXXX XXXX was not authorized at all onXX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized onXX/XX/XXXXEquifax XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXXXXXX XXXX XXXX XXXX never authorized XX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX) XXXX XXXX not authorized onXX/XX/XXXX ( only authorized once onXX/XX/XXXX )

Company response to consumer: Closed with explanation