BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: Flagstar Bank, N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Here is what happened at Flagstar Bank, XXXX XXXX XXXX, XXXX Branch, MI. 

XX/XX/XXXX -@XXXX XXXX, Submitted a personal check from Chase for {$30000.00} to credit into my Business account. I wanted to transfer the fund to my trading account by next day but I was told that it takes max of 2 days before it can be transferred. 

XX/XX/XXXX - Checked my Flagstar business account balance. It did n't show the credit.

XX/XX/XXXX - Checked again in the morning and afternoon. Did n't show the credit. 
XX/XX/XXXX - Same. Did n't show the credit XX/XX/XXXX - Same. Did n't show the credit. 
XX/XX/XXXX - Checked and did n't see the credit, I got annoyed with the delay. Called the XXXX branch office and enquired about the status with the manager. 
The manager indicated to me that she sent a notification on XX/XX/XXXX stating that the fund transfer would be on hold. Pressing for details, she mentioned that she received an electronic notification from XXXX indicating that the funds transfer would be on hold. I was asking for Bank 's process in clearing local checks and the reason for such abnormal delay. She kept telling that this is normal and it is bank 's process. She asked me to follow-up with XXXX XXXX and bring the " cleared check '' so that she can credit into the Flagstar account. If not, it will be cleared after 6 days, on XX/XX/XXXX. 
Since, I already lost 4 days and needed the funds immediately, I went to chase and asked why my personal check is on hold for clearing. To my surprise, the officer told me that the check was cleared and sent to Flagstar on XX/XX/XXXX itself. XXXX XXXX officer gave me the " cleared check '' and my personal account balance showing that the check amount was debited from my account on XX/XX/XXXX. 
I took the " cleared check '' back to Flagstar bank and the manager credited the amount immediately. Here are my questions ; When the check was cleared by XXXX and sent to Flagstar on XX/XX/XXXX, why this was not credited to my account immediately? 
It is very clear that {$30000.00} was credited to Flagstar on XX/XX/XXXX and they were using the funds for the past 5 days ( XX/XX/XXXX thru XX/XX/XXXX ) without crediting to my bank account. To me this is fraud and as a business owner I lost the opportunity to make {$200000.00} in Day trading using this funds. I also went through lot of emotional distress as the funds were not available immediately. 
Flagstar needs to compensate me for the loss and STOP using customer funds. 
Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I received a notice on my credit report stating that I have a 30 day late with Helzberg Diamonds. I have not received statements and Ive provided email and phone number as alternative forms of communication. 

I got the opportunity to speak with a representative as well as a supervisor ( calling from XXXX ) and the supervisor mentioned that they call out to clients about missed payments/payments that are close to being considered late. They mentioned that they do not reach out to all clients however. I asked her what criteria would I have to meet to be notified of these events and she mentioned there is none and we are put into a queue in which not everyone is contacted. 

This is clearly not a fair practice and the communication is lacking. I small bill of XXXX dollars which would easily be paid by way of communication dropped my score 95 points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: VA
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 have submitted numerous documents and request to XXXX to research this account. I am a victim of fraud by someone who abused a power of attorney. I have provided proof of XXXX, proof from the responsible individual and proof of the abuse of power of attorney and XXXX has consistently tried to hold me responsible for this account. I acknowledge this account was opened in my name and with my information BUT IT WAS NOT WITH MY CONSENT. I have received numerous responses from XXXX saying the creditor validated this debt, and therefore they will not investigate. Please read the documentation, the responsible individual admitted to this act of fraud. I am not responsible and will not be bullied by XXXX into paying a XXXX debt that does not belong to me. I was XXXX at the time and unaware my bank accounts were being used to make payments, I was not aware of any of this until months after it began. I deserve more than a generic response of regurgitated scripts telling me I am liable because it 's in my name. I deserve the right to have the documents REVIEWED AND TAKEN INTO CONSIDERATION! am going to seek legal action if this is n't resolved. 

XXXX, shame on you as a CRA to not conduct an investigation of your own but to constantly request the same documents over again from me and to only to have the same creditor response validate the outcome. WHERE IS THE FAIRNESS. When does personal responsibility come into play as a CRA. I am tired of being victimized by people who are supposed to be protecting me while I 'm XXXX FIGHTING FOR MY, EXCUSE ME OUR COUNTRY ONLY TO COME HOME AND FIGHT WITH THE SAME PEOPLE IM RISKING MY LIFE FOR. This is insane! Not to mention my information being compromised by XXXX as well, I 'm disgusted!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Skopos Financial, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a XXXX got on fire I spend over five Thousand prepare the XXXX I sill have a loan on the vehicle it was a recall on the vehicle for start fire and problem with the engine the car do not work do to fire and can not be prepare the car should not been sold

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
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: Credit inquiries on your report that you don't recognize

Complaint:
My data has been breach since XX/XX/XXXX XX/XX/XXXX and I still have not receive help by people that back my information scammers acting like I won an award and also my information was breach with XXXX and the three bureaus where my data was hack. I would hope to get help people using my information to get credit cards and ruin my credit history and use my social security and other data that should had been protected by the three bureaus and ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: McCarthy, Burgess & Wolff, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was robbed and was told I would be compensated for the faulty system that was installed and it never called the police. Never alerted me and was told that the head office will credit me for this faulty system its 's been more than 2 years I never got the credit promised for payments made for a faulty system. I called XXXX on several occasions trying to resolve the bill each and every time they would place the money I paid on another account and would always cross two accounts into one I would pay my bill and then a week later find out I still owed more money than the last week that I paid. They would take the money I paid and add it to another account and sometimes bill two people for the same bill. They would even bill someone that does not have an account whose contract had ended years ago and reactivate the account in order to get payment. Billing two people at the same time for a bill in order to get money. I called on numerous attempts for a break down of payments only to never get it I requested credit for installation of new equipment would not get it. They would install a system and refuse to come back and maintain it less than a year or even a few months of install wanting the customer to pay for their mess up and charging for any problem with their system. XXXX refused to come out and repair their faulty system refuse to upgrade smoke detectors and would bill customer for their yearly upkeep and would never maintain new upkeep and constantly wanted payment for out dated systems or smoke detectors that should have been replaced years prior. They would say they are not charging then add the service of their system to your bill and when you would dispute it immediately put you in collections and demand payment XXXX needs to be looked into for reactivating old accounts putting customers in collections for service on their system which they refuse to maintain or upgrade. Charging customers for issues due to their mistake. XXXX is fraudulently reactivating unsigned accounts without the customers signature nor authorization and adding upgrade to a non upgraded system. Billing people and ruining their credit who no longer have an active account. Say that they are coming back and it won't be a charge then charge large amounts to the account without the customer signature or authorization. XXXX is notorious for taking advantage of the customers trust in safety would install a system that is faulty and want full price even after the customer has been robbed due to their faulty system. Charging for dysfunctional cameras and also service calls that they should included in the service due to storm and bad weather which is not the customer fault but somehow the bill is being billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest has been consistently messing up on the account numbers associated with our account and not processing payments. We have had checks returned with insufficient funds and automatic transfers not go through. They continue to assess us fees for this, even though it is their fault, and are demanding we pay the mortgage over the phone for a {$10.00} fee or they will report us to crediting agencies and hurt our scores. The fault is with Arvest, not with us, and they are illegally trying to get an additional {$10.00} from us for our mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I 've recently been having fraud/identity theft suspicions and even more so once I heard about the XXXX breach. I decided I should check my free credit report. I have been trying to get my credit report from XXXX as suggested at the government site Consumer.ftc.gov since XXXX XX/XX/XXXX. I filled out all the correct personal vulnerable information it requested just to have the website tell me that I need to send in copies of my personal and vulnerable identification. I am then reviewing consumer complaints online and I figure out that many other people had various fraudulent problems with the XXXX site. I then tried to search the site for some way to get ahold of them and they have absolutely no telephone numbers listed anywhere! I then see that on the Consumer.ftc.gov site they have a the number XXXX listed for them. Extremely weird that I had to find their number on a totally different website. I called this number everyday since XX/XX/XXXX and was unable to get through to anybody. I 've called back and tried pressing every single numbered option available. I even got to the point of just pressing zero frantically to no avail. I then did some more research online and verified that many people had experienced the same situation as me. They input very valuable information such as social security numbers and more just to find out they were not getting there report either! Please help as I believe it is possible that I am another victim of credit report fraud. I do not know what to do when I have tried everything. I need to speak to someone now as fraud is a very time crucial crime that can drastically adversely affect your life as I 'm sure you know. I am a part of many XX/XX/XXXX. Myself and the other hard working American people want to know how these organizations can say what they will about us and theft can happen yet they have no one, not even one employee that works for them or even one single location where you can speak to someone??

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 2019-04-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a savings account through chase.com back in XXXX. When opened online after clicking on promotion its immediately says as you begin application coupon automatically applied ... so in XXXX I wondered why I still had not received my {$150.00} promotion even after completing All task ... I contacted chase on XX/XX/XXXX they immediately said there was no coupon applied to my account upon opening ... I then went back to chase. Com and preceded as I was going to open new account same message coupon automatically applied. So I told rep this is a error on Chases side they opened a investigation I would hear something by the XX/XX/XXXX I didnt so I contacted them on the XX/XX/XXXXthey said I would hear something by the end of the day in which I didnt so again I reached out on the XX/XX/XXXX and they are still giving me run around saying the investigation is still in progress. So basically I opened a savings a count with chase with a balance of XXXX and they have held my money since XXXX and I have made XXXX in interest and now they are trying to XXXX me out of my {$150.00} after I did everything on my part I could have easily put my XXXX somewhere else and be growing interest at more then XXXX in 4 months

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX/XXXX/XXXX I sent a wire transfer of {$4000.00} to Coinbase Inc. As of today XXXX/XXXX/XXXX my money still has not been allocated to my account. I have contacted Coinbase on a daily basis only to receive no update or information. I have had a case created and escalated 10 times to be told there is a hold on my account. No employee can tell me what the hold is for or where my {$4000.00} is. I have verified my account 10 times and am not able to get an answer on where my wire is or when my funds will be available. I am not able to get any answers and need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BOA paid an outstanding sewer tax bill at my request. I then repay it in installments along with my monthly mortgage, religiously every month, until paid in full. Ive done this before with no problems. After a couple of payments, I attempted to obtain a balance of said repayment, I was told monies have been misappropriated and will be corrected ( several times ). Although, I follow their request to the letter when making these repayments, this still managed to misappropriate these funds. Now I feel Im being blindsided by them as I dont have any clue whats going on with my account other than, the loan is now being serviced by a collection company with a history of collecting on bad loans. My loan isnt bad! I am current with my mortgage just needed to pay back that sewer tax loan! BOA failed to protect me as a consumer! I trusted them with my loan! 

I understand we all went and are still going through issues due to XXXX! However, Im starting to feel BOAs actions regarding my account has become, malicious and intentional, as they simply choose not to right, their clear wrong! Be accountable! Take responsibility! Apologize, fix it, and move forward! As we are expected to do when we are behind with just XXXX payment and our credit score drops affecting us like a XXXX effect. We are forced to make our wrongs, right, and simply move forward. 

Not only has BOAs failure, to implement a better escrow system, but also, their neglect in making their wrong, right ; damaged my credit, consumed my time and resources and has forced me to file this complaint. Keep in mind, I have no idea if I am doing this correctly or not. But at least this will be public and hopefully throw caution to the wind for the people that read this. 

Thank you for your 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 2022-01-08
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Foreclosure mediation ended in XX/XX/2021. XXXX XXXX, XXXX is the investor and Fay Servicing is the loan servicer. 

I am writing to complain about the practices of Fay Servicing and XXXX XXXX, XXXX. We just completed foreclosure mediation on a 15 yr old 2nd mortgage, where they have essentially bullied us into a payment we can not afford. Mediation is stated to be a negotiation but it is not. The handbook should specifically state that it is not. We tried to settle for a cash payment, they denied it then issued a 2nd modification offer that is XXXX higher than their 1st offer -- after saying they had to make a special income exception to issue the 1st. The orig loan was XXXX. It is now XXXX at 9.5 % interest which is outrageous. We can't afford rentals now and now we can't afford to keep our home either. Their first modification offer was XXXX. We counter-offered a cash settlement offer. They denied it and issued a modification offer of XXXX. I am a veteran and I was given bad attny advice by an attny who has since been disbarred and convicted for fraud. He told me this loan was discharged in bankruptcy and to not worry about it. He didn't tell me they could take my house. I am not trying to get out of it, I just needed a lower payment, lower int rate or longer term. If they could offer XXXX once, they could offer it again. I am set to sign modification documents in the next couple of days because I have no options left. I would like the govt to know that this company is forcing people out of their homes. Read reviews about them. Also, you can NEVER speak to a person. They don't respond to calls or voicemails. Their business practices are unacceptable. I would love the govt to intervene on my behalf but I realize that's a pipe dream. But he should know what crooks these companies are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I received the IRS audit as to XXXX transaction and XXXX company reported {$74000.00} as the gross receipt on the form XXXX XXXX but my total receipt was less than {$10000.00} To fix this issue, I have called and emailed but no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The account was reported late on XX/XX/XXXX for the month of XXXX along with the wrong balance.

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 2022-01-11
Company: JPMORGAN CHASE & CO.
State: OH
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:
I received a phone call twice from XXXX ( XXXX ) XXXX ( XXXX, NC ) I answer the call assuming it was spam. The caller told me he is from chase bank calling to confirm suspicious activity on my account. He states that there is a {$900.00} charge on my account reported in XXXX. He asked me if this was indeed not me who made this purchase. 
In XXXX I received a slew of text messages with a similar ordeal. I do not know how they have my phone number, Im not sure if they know anymore info about me other than my phone number. I do not want to receive these calls anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Atlanticus Services Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have contacted them several times to close my account. Each time they indicate they understand what I want and say I need to pay the outstanding balance. I pay the outstanding balance, they still don't close the account and the next month I get another bill for the monthly fee. I am hard of hearing so it is difficult for me to keep calling which doesn't seem to do any good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation