BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: AMCOL Systems, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Entered into an agreement to pay amount owed with AMCOL systems for two accounts. One was with XXXX XXXX XXXX for XXXX and the other with XXXX XXXX XXXX for XXXX. They automatically withdrew funds from my bank account on XXXX, XXXX and XXXX for XXXX each time. They did not withdraw the last XXXX from my account and then they reported it to the credit bureau agencies as me being delinquent. I feel that is very unfair as I was making payments, as arranged and they failed to withdraw the funds. This is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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:
ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX  XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against two XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX  XXXX, and XXXX XXXX XXXX., d/b/a XXXX XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0. 

To learn more, read Buying & Owning A Car. 
The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have already filed a complaint once before and they responded with a ridiculous excuse. They have done it again. I am being charged NSF 's for transactions that should have cleared ACCORDING TO WHAT I see on my end. When I log on to my account and see a balance available then i expect my transactions to clear as long as I am seeing there is enough to cover the debts. BUT they continue to hold back transactions and push through they ones they choose to. I can not believe this is not regulated by some sort of agency. Banks are continuing to fraudulently take peoples money and justify it by using some sort of authoritative source saying it is their policy but not really what they are doing! This has got to stop! I am not going to let this go. I want my NSF 's back. I know what is going on. I print my bank statement daily and they tell me the balance THEY see on their end with PENDING transactions is different than what i see and even though the transactions are pending - with the possibility to drop off or be reversed, they deduct that money " on their end '' and therefore any legit posting transactions are returned NSF during that time. I can not believe this bank is allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was going for loan of $ XXXX with my TD Bank , on XXXX. 
I already have XXXX $ in checking account of my T.D.Bank account from last one year.Before that I was denied for credit card of T.D.Bank telling that it was decision from back office based whole or in part of information obtained in a report from consumer reporting agency.Again same reason for loan. 
I told that I am doing permanent job and if you need any other document from my employer, then I am ready to do that. 
I also explain that, if you want this money transfer in to C.D. for five year, I am also ready for that. Ultimately, I want to put my XXXX $ in fix & want loan from that.ANYHOW, I want loan from my money in checking account. Then, they refused & same reason. 
I donot understand, why should I am not getting money on my own checking account or on my request for CD. 
Please reply me ASAP.Thanking You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, XXXX has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Transferred XXXX LiteCoins into my GDAX.com account from a external site. XXXX received the money on their sister site ( XXXX ). Coinbase shows as having received these XXXX Litecoins. Coinbase then automatically forwarded these funds into my XXXX account. These transfers are instantaneous and free. Coinbase confirmed receiving the funds, and confirmed sending the funds to my XXXX account. 

My XXXX account never received the funds. They never even showed up as a pending or complete transfer in XXXX. Somewhere between coinbase and XXXX, they simply disappeared. I called XXXX the same day. Was told by the customer service rep that I was n't the first person calling about this today. As of right now, coinbase/XXXX are holding approximately {$11000.00} worth of virtual currency XXXX. It 's now been 4 days. I have no correspondence from them since my first email and call. My trouble ticket or case number is # XXXX. 

Please help me to recover my funds that they lost!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo Bank has approved and charged me for multiple transactions that I did not do. It has been going on for a year or more, thank Bank gives me very little information regarding my account. Im terrified to be shown my investments, I never get information with this. I filed a claim, multiple claims, and the total came out to over {$10000.00}. This put my life in extreme hardship. I am a XXXX year old XXXX XXXX, ( XXXX ) and I have done everything from filling dispute against the bank and going back and forth with numerous companies. There have been many problems and I have been mocked by their company. ( phone calls, customer service ) that wont help or even though you see the fraud, the department is closed are things I have been told on their recorded lines. 
I have copies or bank statements and more but I have never been able to get information on Certain accounts, and I feel at this point my money is being stolen from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute against the merchant XXXX for merchandise that I returned with tracking proof for the amount of {$2900.00} that was returned in XXXX. Capital One initially agreed it was proof and would assist me in the dispute. Capital One later lost the documents even though United States Postal Service supplied proof the documents delivered to the address Capital One specified. Capital One agents told me they do n't have the documents and wo n't acknowledge proof they received it. They then said they will look at documents I send but will not help me at all. Another Capital One agent said they will give me the benefit of the doubt and reopened the case. 2 Days later an individual by the name " XXXX '' closed the case and refused to help me. Capital One has received all the documents they requested but wo n't assist me anymore because I did not reply in time. However, I have replied in time by mail in XXXX. I also have a letter stating I am able to reply by XXXX/XXXX/2017 which Capital One wo n't address. Capital One is required to protect me under Visas International protection laws. I have now been scammed out of both the merchandise and the funds I used to purchase the merchandise. Capital One is engaging in fraud by delaying me several months reviewing my documents then closing the case after months saying too much time has passed. They will not elaborate on what this means considering I replied in time and are assisting the merchant in fraud even though they have a responsibility to protect consumers from unjust and immoral billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Scott Fetzer Financial Group Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX and i also contacted united consumer financial services company i talk to XXXX at XXXX and he told he needed a copy of my ss XXXX letter and a doctors note why i cant use the XXXX so i faxed it to him and he faxed it to XXXX   the girl called me and she said she would be here this past thursday and she never showed up to pick up the vacuum they only gave us 3 days to cancel the cancel date was XX/XX/19 and my first payment would be in XXXX i only used it twice i cant pick it up and move it room to room and i told XXXX when i called them and they were nasty about it XXXX called today on XX/XX/19 and asked me what was going on and i told them so i have to call XXXX  on monday to see what they are going to do when i called XXXX before the girl told me to sell it to someone and try to pay it off thats not what a business does so i need them to come get it and take it off my credit report and come pick it up they are being very nasty about it

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
Ive tried calling and talking to multiple employers, and all of them gave me the same answer. NFCU Has stated to me that funds was on hold on my account ( which was taking off of my available balance ) and was dropped off and put back into my available balance. But I never seen the available balance go up. I was checking my account everyday. I was transferred to a supervisior. Which she stated to me that the funds was released into my account on the day that I checked it. And there was no additional funds added to my account. I also asked her where did she she that can she send it to me. She stated that it was basically assuming because it take 3 days and the funds will be released. She also asked me do I have proof of the funds deducted. I have a text that my funds was deducted. But they do not have proof that my funds was added back into my account. I was checking my account everyday, and I never seen my available balance go up. All text messages that says XXXX XXXX never was released back into my account. It was approved meaning it was deducted out of my account and I looked and made sure it was deducted. No where on my statement it says its been added to my 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 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, 2017, I made a purchase on the XXXX XXXX XXXX US website for approximately {$100.00}. I paid with my Bank of America Cash Rewards Card. The transaction was denominated in US dollars. When the charge appeared on my card on XXXX XXXX, I was charged a foreign transaction fee of {$3.00}. This fee should not have been assessed, as I was paying on the US website of a company 's American division and paying in US dollars.

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 2019-09-21
Company: GREAT LAKES
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have four Fed Tax Liens listed on my XXXX  credit report. I have copies of all four tax lines and none of them have my birthday listed or my full social security number. They were filed in the wrong county also. I reported a dispute with XXXX and was reported the information was accurate. I do not know how they see this as accurate without the required information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had previously had my home phone disconnected due to non payment. I paid XXXX XXXX directly and they reconnected my phone, The collection agency they had turned it over too reported it to all collection bureaus. I have sent them notification that this was paid and if I had not paid it I would not currently have phone service. I have sent numerous letters by mail including certified mail, emails and made phone calls to dispute this. They have still not removed from my credit file. 


XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$230.00} Original creditor : XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX  XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX I do not know what else to do. Can you please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Husband died in XXXX & soon after I contacted my Servicer for a Mortgage Assumption of the Mortgage since my name was not on the Mortgage at the time when my husband died, They constantly sent me documents for Mortgage Assistance I keep telling them I do not need any Mortgage assistance I need a Mortgage Assumption, Afte XXXX set of documents for Mortgage Assistance, They finally sent me the correct documents for a Mortgage Assumption I received the documents in XX/XX/XXXX & since XX/XX/XXXX I have submitted XXXX sets of documents for Mortgage Assumption, The last complete set I mailed was XX/XX/XXXX, in XX/XX/XXXX, I received a response that I need to submit yet another set of documents for the Mortgage Assumption, They constantly ask for more & more of the same documents & it being sent as requested then the same thing all over again & again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had signed up on CoinBase in XXXX XXXX with all my information and verified my identity with drivers license which was accepted and verified. Subsequently I was allowed to conduct transactions and purchase cryptocutrency. Over the last month it is not allowing me to do buy, sell or transfer my crypto currency stored on their site asking for verification again. I have tried doing so several times and have sent them numerous messages to ask what other information I can provide, but havent received any response. Meanwhile my funds are tied up with them and I can not access, transfer or sell and close out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
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: Public record information inaccurate

Complaint:
I have four Fed Tax Liens listed on my TransUnion credit report. I have copies of all four tax lines and none of them have my birthday listed or my full social security number. They were filed in the wrong county also. I reported a dispute with TransUnion and was reported the information was accurate. I do not know how they see this as accurate without the required information.

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 2018-01-06
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/17 XXXX XXXX XXXX put a collection on my 3 credit bureaus amount of {$620.00} i have never had a XXXX account, and i ca n't proof them that this is not my account, i need help to remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Every time I try to log into my account, I'm having a lot problems getting into Bank of America prepaid debit card account on the website. Bank of America website keeps saying " Your Security Information is incorrect. If you have not created a username, select Need Username. '' even though I entered the correct username and password. I feel that Bank of America is making it difficult for customers to log in to the account so that customers can not transfer funds out of Bank of America account into other banks.

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 2019-09-21
Company: Midwest Recovery Systems
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 just found out about this on my report about two weeks ago and didnt really know what to do about it the account says open on XX/XX/2019 in the amount recorded on my credit report says {$230.00}. Now I have no knowledge of the company or services rendered. So after i noticed this on my report i began looking for my SS card which i have now noticed is also missing. After coming to this website i will be contacting the company in question but i also wanted to file a complant for identity theft as well because I truly believe that is what is going on with this account.

Company response to consumer: Closed with explanation