BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coin base allowed someone to change my password, access my account, and start liquidating crypto. I contacted them during the crime and requested my account be frozen. The thief has several outgoing transfer is pending which coin base thats far has blocked but I want to ensure they do not go out and I would like to salvage whatever money I have left. Coin base has not responded to any of my Messages and does not have any outgoing call center or I call XXXX or you can call him to discuss

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Verisk Analytics 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 information incorrect

Complaint:
CLAIM DISPUTE REPORTED BY BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claim : XXXX   Loss Date : XX/XX/XXXX Loss Cause : WIND  Paid Amount : {$1700.00} Action : We did not get paid for this amount but XXXX XXXX XXXX Claim : XXXX  Loss Date : XX/XX/XXXX Loss Cause : MOLD Paid Amount : {$250.00} Action : We did not get paid for this amount but XXXX  XXXX  XXXX The report from XXXX ( XXXX ) shows that as if we got paid for these amounts, which causes us a " DENIAL '' of home insurance coverage with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: GA
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:
Inquiry details XXXX XXXX., XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Response to previous complaint id XXXX. 
The ACH credit of {$19000.00} which bank referring on my account.someone used my bank checking account and routing number details to claim Massachusetts unemployment benefit payments without my authorization. I already give complain to Massachusetts unemployment. email address " XXXX, XXXX and XXXX ''. {$16000.00} wire transfer which happen on my account on XX/XX/2020 to XXXX XXXX XXXX  someone told me to do following Buyer details Buyer number XXXX, company name XXXX XXXX XXXX XXXX, person name : XXXX XXXX. 
I already give complain to XXXX XXXX to revert back the money. Email address " XXXX and XXXX '', investigation is going on from there side. 
There was total XXXX on my account, if citi bank reverted direct deposit of {$5300.00} to employer ( XXXX XXXX ) and left over money of XXXX which belongs to me and {$97.00} belongs to mass unemployment. someone used my account details and me to do this activity. I already give police complain to XXXX XXXX police department. 
I contacted my employer ( XXXX XXXX ) last month about citi bank reverted money ( {$5300.00} ). response i got that they never received the amount from citi bank. i will double check with my employer again. 
Note : I'm victim here, someone used me to do all this. I'm not gon na give up on this money. Its my money. 

Thank 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 explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions Inc.
State: AZ
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 went to XXXX, AZ XX/XX/XXXX. I was greeted by a salesman who told me that all trucks are {$5000.00} more due to Covid because I asked him why they were so expensive. He started to mention negative remarks about the other dealerships in the area. He then proceeded to explain that if he could get my personal information he could make a better deal with me. After viewing a few vehicles we went to his office and after getting my name, address, phone, he asked me for my Social Security number & Birthdate. I told him I didn't want my credit ran without writtin permission and he told me I would have to sign a paper authorizing that to be done. WE WERE VERY CLEAR! I didn't sign any authorization and walked across the street to XXXX where I found a vehicle that I liked. During the transaction, WITH MY PERMISSION, XXXX ran my credit Report and told me that XXXX had ran my credit 7 times through some type of " Clearing House ''. Because of so many Inquiries on my report XXXX XXXX XXXX has lowered my credit limit 50 % and now my credit worthiness has fallen from " Very Good '' to just " Good ''. This is all happening while I'm purchasing a Home and it's affecting my Home Loan and raising the rates. I spoke to the Principal Owner MrXXXX XXXX XXXX he was very mean to me and even threatened me. He didn't apologize nor did he offer to fix the mess. I sent a XXXX  complaint but he refuses to answer it. I reported it to XXXX but they won't inve6it nor will they help at all. This is corruption at best. I need you help. Attached you will find a email from Mr. XXXX admitting to the error with no apology or offer to help.

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 2020-04-27
Company: Patenaude & Felix A Professional Corporation
State: NV
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 received a bill in the mail from Patenaude & Felix Collections to try and settle for a debt that was originally owned by XXXX XXXX ( original creditor ) that was reported negatively on my credit reports with XXXX, XXXX, and XXXX. I am a victim of identity theft and I do not recognize this alleged debt of {$1500.00}. I am disputing the validity of this debt that Patenaude & Felix now has. This alleged debt does not belong to me. I am requesting for Patenaude & Felix to " Cease & Desist '' all contact and communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
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:
I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. One from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One sent me an offer on a credit card on the premise that I spend {$500.00} in XXXX days I will get {$200.00} in return. After the XXXX days I had completed the terms I called because I hadn't received the {$200.00} bonus as promised the representative said I didn't qualify for the promotion. I asked her what was the reason. Give me an example of what happened was my XXXX XXXX too low did I not spend the money Etc. Her answer to me was she didn't know why she couldn't give me the reason the exact reason. So the representative put me in touch with a XXXX  I assume. I receive an email couple days later stating it had been resolved and I didn't qualify. Still no exact reason. This is the second time this bait and switch. Credit card promotion that Capital One has fooled me with before. I took out a credit card before this one that I'm complaining about and it had the same features on it spend the money get the bonus. Well lo and behold I didn't get that bonus either. So I feel as if they just wanted me to get that card so that they could get me to take out another credit card on false pretense of a cash bonus they have no intention of paying. I would like to know specifically why I didn't qualify for the offer that they themselves solicited me for. They sent me the offer I didn't go to them. My XXXX XXXX is over XXXX I can have any credit card I want the only reason why I wanted this Capital card was for the bonus reward of {$200.00} that they didn't give me and they have no excuses or reasons why it wasn't given to me. This is a big corporate bait and switch offer that is tricking people every day. I read the terms and service on the offer they sent. because they didn't give me the {$200.00} on the first credit card. So this time I wanted to make sure that I would receive the money if I went through and spent the {$500.00} in the XXXX  days. This is unacceptable that credit card companies like this get away with cheating people. I thank you for your help I just want to call these people out on it and if you can find out the reason. I would love to know! thank you guys so much I appreciate you and all you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: CL Holdings LLC
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX had made an error on a mobile phone account, billing me for over a year as XXXX phones and XXXX mobile lines, when i only owned XXXX phone and XXXX mobile line. They admitted fault and said it was an issue on their end, and stated I don't need to worry about the false charge and it would be taken care of after over XXXX hours of customer service calls trying to get to the bottom of it. Then they sent it to collections with these Jefferson capital folks apparently, instead of covering their wrongdoing. Now the Jefferson capital folks are wrongly reporting a debt on my credit report. This started over 5 maybe 6 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector associate ( XXXX Last name unknown ) stated that I was two payments behind on the bill of XXXX dollars and cents unknown. When I called back to ask to file a formal complaint against the gentleman I was informed that I was actually only one payment behind. The associate also used abusive and inappropriate tactics to coerce me into making the payment during the phone call. After continued abusive language and verbally stating I was being made uncomfortable and being treated quite rude and unprofessional I ended the phone call abruptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I spoke with a loan officer from Amerisave. I was seeking a cash out refinance on a rental property. ( technically this was a delayed finance as the property had been purchased for cash in XX/XX/2020 ). I was quoted a rate of 3.375 %, with discount points paid of {$2300.00}. Happy with the quote, I paid a {$500.00} application fee, and began submitting all of the documentation required. I coordinated with my tenants in order to allow Amerisave 's appraiser entry to the premises. Most importantly, I canceled other loan applications I had been working on with other lenders. 

After more than 7 weeks of working with Amerisave on this loan, I received a call from my loan officer. According to him, he had misclassified my loan as a refinance instead of a cash out refinance. He therefore could not honor the rate he had advertised to me ; instead he offered me a rate of 4.875 %, nearly 50 % higher than the rate that he had advertised. I refused this rate. 

Amerisave did immediately refund my application fee when I refused the higher rate. But that was not the only cost I incurred. I wasted an enormous amount of time waiting for a loan that never happened, and because of Amerisave 's original quoted offer, I canceled on lenders who had been offering rates in the 3.5 % range at the time.

I also consider it possible that Amerisave intentionally quoted a rate that it never intended to honor as a bait-and-switch tactic.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
statement balance is showing I owe XXXX I do not know how they came up with this balance. I have tried to reconcile my statements. I have tried to talk to them the insist i still owe all this on XX/XX/XXXX, and XX/XX/XXXX I had my boss on the line we called santander and he listened we spoke to a supervisor and she assured us if I made a XXXX payment it would bring me current and i would have another payment due on XX/XX/XXXX so my following payments would be I ended up paying XXXX and XXXX which would leave a balance of XXXX then on XX/XX/XXXX i would owe another payment balance owed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX basicly i made 2 payments they both got reveres both payments were for XXXX i can see where thats taken off and re added what i dont get is how they say i owe XXXX???? 

the last statement i can get and download is dated XX/XX/16 and has a balance due of XXXX which is due on XXXX so 11 days after my payment due date? 

so add XXXX and XXXX bill and it would be XXXX and that is still off XXXX anyway ive called numerous times ive asked to speak to a supervisor so i am sending this all to you and disputing the ammount of XXXX my balance owed should be as of XX/XX/XXXX payment XXXX thats XXXX XXXX and XXXX payment this account is still reporting as charged off they assured me they would not report it as that and they would charge no fees this origanal loan was sold to them from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On as many as four separate occasions the payments I made towards my student loans we misapplied to a closed account in my husband 's name. The payments were paid through an online bill system in my name only. The account number was marked on the payments. The bank, the bank account, and the method of payment has not changed in years, so why would random payments be applied towards another account that had been closed for several years? 

I discovered the misapplied payments by accident. I actually opened one of those " payment received '' emails Navient sends after payment has been made. I receive them monthly, but don't open them as the subject line satisfies my need to make sure the payment was received. For some reason, I happened to open the last email they sent out to me. To my surprise, the email was thanking XXXX, my husband, not me ( XXXX ) for payment. This confused me and I began digging. 

I called Navient and their response was ridiculous. Navient acknowledged the misapplied payments. However, Navient claimed the misapplied payments were due to my bank. Navient stated that they refunded the money to me in the form of a check ; no checks have been received. Navient refused to apply the money to the correct account. Navient made it seem as if the misapplied payments were not a big deal because my account has been in forbearance. Yes, but I still make monthly payments to reduce interest. The misapplied payments mean that the interest is higher on my student loans and my taxes are not correct. I made those payments correctly, they applied them incorrectly! 

Dates of misapplied payments : XXXX {$210.00} XXXX {$210.00} XXXX {$310.00} XXXX {$310.00} The issue has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
As of XXXX, 2020 I was put on a COVID relief program that ensured I would not be impacted by loss of income nor pay any fees related to a lay-off. Capital One confirmed and sent me a letter stating that I would be on a forbearance for 3 months with no credit reporting until then. The next month, XXXX, 2020 they did so anyway. After contacting them they basically said get over it were not correcting this because we updated all COVID-19 agreements with everyone and changed it without notice. I should have got a new agreement aside from my initial one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
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: Information belongs to someone else

Complaint:
Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.

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 2020-09-25
Company: Goal Structured Solutions, LLC
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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