BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because XXXX did not receive a XX/XX/XXXX payment when in fact a payment was made on XX/XX/XXXX ( XXXX ). 

My monthly payments were due on the XX/XX/XXXX of each Month with a late fee being added if payments were not received by the XX/XX/XXXX of the following Month.

XX/XX/XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan!

When I made the XX/XX/XXXX payment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} XXXX reported to the 3 credit reporting agencies for the Month of XXXX ( pays as agrees ) but n XXXX 60 days past due. In XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XX/XX/XXXX eventhough XXXX received a FINAL payment of {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I signed up for a 0 % APR for 12 months offer beginning on XX/XX/XXXX and ending on XX/XX/XXXX. I have retained evidence of the contract in writing. I should also mention that I am a law professor and specialize in contract law, so I am a sophisticated party. Wells Fargo has confirmed these dates as well in writing. However, I was charged interest on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is in breach of my contract and unlawful pursuant to the Federal banking laws. I am due a refund from this bank.

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 2021-10-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Crypto exchange Coinbase has my account under a review since XX/XX/XXXX and that means that all the crypto that I hadn't yet removed from my Coinbase account is frozen now. 

I haven't been able to reach a single human being and get an answer, even after contacting the support email for more than 10 times as well as failing complaint with the company. 

On top of freezing my crypto with no warning ( as promised in their terms of use ) the company is ignoring my demand to release my customer data. 

They also state that account reviews take a couple of days when I have been waiting for 88 days. 

I suspect that they are locking people out randomly to boost the money pool on the platform and that would be illegal as I never gave my consent for them to borrow my money. 

There is an ocean of complaints from other users across the internet who were also locked out of their accounts with no reason or notice. 
Please look in to this, Coinbase is dong something very, very sketchy. 

Sincerey, Never trust Coinbase with your money! 
I hope CPFB can hep me..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: R.A.Rogers, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$1100.00} Account # XXXX. I did not make or authorize this charge. I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. Disputed Account # XXXX Original Creditor XXXX XXXX XXXX XXXX. Total Amount Claiming : {$670.00} and {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: WELLS FARGO & COMPANY
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 filed a claim with Wells Fargo for {$2000.00}. And they denied my claim without contacting me to verify anything! How could I make those fraudulent charges if I was at work during the time of the transactions and the transactions were in another state! Wells Fargo is lazy and just a scam of a company. They didnt even try to do a thorough review. Even when I called the resolution department he couldnt even tell me how Wells Fargo came to the conclusion to deny my claim. Had Wells Fargo taken the time to reach out to me AS THEY SAID THEY WOULD, I could have provided them with evidence to show it was impossible for me to make those transactions. Wells Fargo is a scam!!! The bank is utterly useless!

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 2020-02-01
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 I filed a dispute for unauthorized ACH debits from XXXX. When speaking to the agent on the phone, I asked her to file a stop payment to avoid fees on the account. She refused to file the stop payment and claimed that they can only file stop payments if they know the dollar amounts of the ACH item. When I told her this was incorrect and that they can file stop payments by merchant name/Individual ID, she assured me there was no way.

Two days later and 18 NSF fees later, I received a credit for the dispute, but not the fees. Upon calling multiple times, I'm told I will receive a refund within 24-48 hours, however I still don't see the fees reimbursed and fees are still being added as of today. 

After speaking to multiple representatives with the bank, I still don't have a reimbursement of the fees and they're just now freezing the account. The representative I just spoke with claimed that fees relating to disputes are not waived until the dispute is resolved, typically up to 45 days. 

This bank policy breaks Reg E as fees relating to unauthorized charges need to be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.

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 2020-12-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$58.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.

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 2018-04-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my loan through Chase. Chase reevaluated my mortgage payment and they raised it due to escrow. The increase in payment was three hundred plus dollars, on a XXXX mortgage payment. In the meantime, In XX/XX/XXXX I filed for a homestead exemption with my state in XX/XX/XXXX. I called multiple times at the end of XX/XX/XXXX and all through XX/XX/XXXX and was told they would accept an estimation. All the while explaining multiple times to multiple people that the XXXX central appraisal district ( XXXX ) updates everything on the XX/XX/XXXX. But I was told that the estimation would be enough. Now we come to XX/XX/XXXX I spoke with the escrow department and was told nothing will change. Also, that I would have to pay the higher payment till XX/XX/XXXX till they do a escrow analysis again. I emphasized the point of the XX/XX/XXXX update again and was criticized by the agent for requesting the escrow analysis too early. Even after explaining that I was told to request it because I was told they would accept the estimation. She was telling me it was my mistake and not Chases for the misinformation. After much argument they ordered another analysis. In the bulk of the call she threatened to do nothing about the issue. At this point I am waiting for this to be fixed, and dont take a like being blamed for being what I was told to do, and just want to pay what I am supposed to pay. Who knows how many people they are overcharging and keeping in their accounts till the end of the year, either gaining interest or getting more money to loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Santander Consumer USA Holdings Inc.
State: WA
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:
Recently while applying for a home loan I discovered I had been the victim of identity theft. Someone had used my information to open a fraudulent account with a lot of business and company. Including Telecommunications, Credit Cards, Cash loan, Car Loans and Bank accounts. This is not my account and I have enclosed a police report indicating this. I have attempted to dispute this information with the collection agency but have made no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit report shows public records that is not mine. I have disputes this many times and asked equifax to remove it and they wont. They said it was verified by courts and I have a letter showing that courts do not verify. Then they said vetoed by XXXX and I have a letter that shows this information is not on my XXXX report. I keep sending my letter by fax and by certified regular mail and equifax either says they didnt get it or that its ineligible. This has been going on for about a year and every time I call they dispute the item again and it comes back verified by XXXX. I call XXXX and they said its not true because any report from XXXX wouldnt have a public record on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Previously there was a complaint about our property taxes not being paid on time and because the mortgage company did not pay them in a timely manner we had several late fees and processing fees that were due. Property taxes were due no later than XX/XX/2020 however this company did not pay them resulting in my husband and I having to pay them out of our own bank account. If we did not pay them, we were told our house was being placed in the newspaper for an open auction. We paid the property taxes due, late fees as well as a processing fee. The end of XXXX is when we ended up paying our taxes, 3 months late, late because the mortgage company did not pay. My husband and I have been in contact with our mortgage company for months now trying to receive a refund for the amount of money we had to pay for our property taxes as well as the late fees and processing fee. We are constantly getting the run around and have not yet received our refund. First we were told we would be reimbursed what we paid, then we were told we needed to do an escrow analysis, which was supposed to resolve the issue. The escrow analysis received was no where near what we paid in taxes and fees.We were later told the escrow analysis was for money that was in surplus and had nothing to do with the money we were supposed to be reimbursed. After calling again and again we were told that a check was being sent out for {$1100.00} in 10 business days. Its been 10 business days and nothing has been received. All we have had is one issue after another with this company and no resolution.

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 2021-01-20
Company: EQUIFAX, INC.
State: IL
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:
There are numerous accounts listed on my report that I have no knowledge of. The accounts listed were a result of fraud or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Lawyers Title of Cincinnati, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In this case this scenario involves both our Lender, XXXX XXXX   which we filed a complaint about separately and this complaint involves the other party, the closing agent on our mortgage Lawyers Title of Cincinnati Inc. 

The lender failed to make a good faith disclosure of the real estate taxes which would be part of our financial obligations in purchasing the property and repaying the loan. Properly create a new escrow account by failing to estimate disbursement amounts using reasonable judgment based on information reasonably available or known to it. The amount of real estate taxes which we, as purchasers and borrowers, would be obligated to pay upon closing was a readily known amount. The tax could have been easily determined at the time of the initial loan disclosure and certainly by the time of closing/settlement by a simple check of the public record by the settlement agent or the lender. The amount is determined by multiplying the sale price of the home ( which was known by Lender ) by the applicable tax rate, which is public record. Under Kentucky law and based upon information readily available in the public records of XXXX County, Kentucky, the real estate taxes which should have been disclosed to us totaled {$8500.00}, but the settlement agent and the lender reported the taxes as only {$4100.00}. They simply stated the taxes paid by the PRIOR owner, which under Kentucky tax law is not a justifiable, reasonable, or good faith statement of the taxes which we would be paying or in compliance with federal regulations [ Regulation X 1024.17 ( 7 ) and Regulation Z 1026.39 ( g ) ( 3 ) ] The Lender and the settlement agents negligence or failure to comply with federal regulations resulted in a drastic shortage in the escrow account and has caused us a great deal of financial hardship. Had we been informed by the initial disclosure of what the taxes would be and therefore the escrow amount, we could have shopped around more and perhaps found a lender with a lower rate or lower closing costs. 

The closing agent ( Lawyers Title of Cincinnati Inc. ) failed to accurately disclose the taxes that you would be paying and which would be used to calculate your escrow account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: OH
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 had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete

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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete

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 2021-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had ATM withdrawals totalling XXXX taken from my edd bank of America card within 2 days.I have alerts set up on my phone but never received any alerts.I went to withdrawal money and ATM said I've exceeded my daily amount, so I went on my phone and there were all the withdrawls.I immediately contacted Bank of America to report this and got issued a new card and filed a claim.I also got a police report, like they asked and they still are closing my claim.Now they are asking me to provide a letter from who I was with at the time of these withdrawals, which I am now doing.It is awful that I'm doing all this and they keep closing my claim still.What else can I do.I also asked if they could look at the cameras at the ATM machine this was done at, and I was told they weren't working that day.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a current complaint # XXXX. Bank of America called on XX/XX/2021 confirming receipt of the complaint. XXXX at the XXXX XXXX XXXX XXXX. advised Bank of America would be calling to update with the resolution to the issue by XX/XX/2021. I have not received a response from them to date. I was given a number to call ( works ) and extension that doesn't work, XXXX ext XXXX. No options to speak with 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 monetary relief
Consumer complaint received 2017-08-01
Company: Nelnet, 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 have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being XXXX or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

Company response to consumer: Closed with explanation