BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XXXX XXXX XXXX XXXX, of XXXX XXXX, MD forced me to accept their insurance even though the car was completely insured prior to and after obtaining the loan. 
This increased the amount of the loan and in turn increased the amount of each payment that was owed, which ultimately let to my car being repossessed after missing two payments. 

The company that repossessed the car is called XXXX XXXX charges a flat fee of {$450.00} to return the car and they add a charge of {$25.00} per day to further deter someone from being able to retrieve their car. 

I had the money to pay the back amount owed to the loaner but not enough to pay the ever increasing amount of the company they used for repossession. 

This company uses very shady business practices. I showed them proof of my car insurance and they still added their own insurance to the car loan and increased my loan amount without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Capital Accounts, LLC
State: NM
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:
Reference Capital AccountsNo : XXXX First of all, a customize night guard should not cost {$1100.00} with Dental Insurance unless Im Tarantazours rex. Second, Im that rare debtor that dont like owning anyone anything, so I paid in full after each visit to XXXX XXXX XXXX XXXX 

I went to XXXX XXXX XXXX XX/XX/XXXX for the fitting and paid {$440.00}, I went back when the night was supposed to be in but wasnt on XX/XX/XXXX and paid {$390.00}. A week later the night guard finally came in and I asked the office manager, how much do I owe? She said she ran my insurance and that I overpaid and they owe me {$60.00}. 

I left my job at XXXX XX/XX/XXXX. The office manager called me in XXXX of XXXX and said that I owed {$300.00} ; I recounted my visits and she remembered me. I told her that I no longer worked at XXXX. She said shed run my Dental Insurance and give me a call back, she never did and they still have sent my {$60.00}. 

Attached is my bank statements proving payment in full. Ive sent the same documents to Capital Accounts, XXXX XXXX XXXX and XXXX ; neither of these companies have accepted my proof. 

FYI : I sent the same documentation to XXXX and XXXX and theyve removed the negative charge.

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 2021-02-18
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Robin Hood will not let me withdraw my funds. I have attempted to contact them on several occasions but all I get back is a form letter and they do not follow up on additional inquiries. I can deposit funds and trade but they refuse to let me withdraw. I keep getting an error that says " withdrawal locked ''. My funds are marked as available in my account. I have submitted 3 tickets and I get no response other then a canned response. 


XXXX case opened. Canned response did not answer follow up. 
XX/XX/XXXX another case opened. Canned response did not answer follow up. 
XX/XX/XXXX another case opened

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: NAVY FEDERAL CREDIT UNION
State: AA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a NAVY FEDERAL BANK ACCOUNT CHECKING SAVINGS MONEY MARKET I HAVE NOT RECIEVED MY MAIL APO OR A DEBIT CARD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Called Allied with original bill As they changed date to date of purchased collection bill. They put in my credit which goes against credit fair act more then 7 years and 180 days. Sent proof of this and they refuse to take off. They are trying to reage a old bill which is illegal.

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 2018-10-30
Company: WELLS FARGO & COMPANY
State: CA
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:
Hello, I have a closed credit card account with Wells Fargo that was opened XX/XX/18. The account is in collections. I tried to work with Wells Fargo in order to come to a resolution and get the delinquency paid. I would like the closed account/delinquency removed from my credit report. Please assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XX/XX/21 - i contacted Coinbase customer support online ( its the only way ) regarding a 2FA problem i was having. they responded on XX/XX/21 with some generic email with troubleshooting links and told me to respond to the email if i have more issues. My issue was their XXXX  website was not allowing me to upload my DL photo as they required to fix this problem. On the same day we had another email exchange with them responding thank you for allowing us time to review the account. I have yet to hear from them since. i have emailed them again and again with no response. Privacy is an urgent issue and shouldnt take this long. These companies should be required to have a live customer service person or at least a live chat to solve these issues immediately. i not only need my tax forms, but i need access to my money asap. These tech companies shouldnt be allowed to operate in the U.S. without some type of real customer support, emailing and receiving a response days later to an urgent PRIVACY issues is absurd and ridiculous. If you dont want them to have customer service for general small things, than at least for a privacy issues they should have a live person being able to verify my account etc and fix the problem. This is an issue that could've been fixed within 15m and now its days. What is going to happen if i cant access my money and someone steals it? is Coinbase going to be liable? I'm furious because they have options to contact via XXXX, yes XXXX, but not a live person, which is absolutely absurd. 

A fair resolution would be for this company, Coinbase, to reset my 2FA in a timely manner. If you're going to have an email exchange than it should be within 24hrs response, and the privacy/account issues need to be escalated to the top. In reality they should have a live person to call when it comes to these issues. I think the XXXX  or whatever agency should not allow these companies to do business without it. I can receive robocalls all day about a Car Warranty i dont have, but when it comes to important financial matters with my money i cant get a hold of someone. How ridiculous is this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: MI
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I sent a wire transfer from XXXX XXXX to Coinbase on XX/XX/XXXX through XXXX XXXX XXXX. 

Amount : {$5000.00} USD I have talked to both my bank ( XXXX XXXX ) and XXXX XXXX XXXX ( Coinbases bank ) and they have both confirmed the transfer as complete at XXXX on XXXX/XXXX/XXXX. These confirmation calls and visits occured on XX/XX/XXXX. 

IMAD # : XXXX I put in a service request for this issue on XX/XX/XXXX through Coinbase.com. 

I have called their support line and responded to canned emails on multiple occasions and they just keep replying that they are " raising the priority of my case '' without actually providing any solution or ETA for when my fund will be available. 

It is currently XX/XX/XXXX, nearly a month after my wire transfer has been cleared, and Coinbase has still not posted my funds to my account or returned my money after asking explicitly multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken loans continues to call my job directly to my manager XXXX XXXX. She has consistently asked that they remove her number of XXXX. They told her it is not her but someone in the office. She asked they who it was, but they would not tell her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Company : Discover Card I had filed an Extended Product Warranty claim for my laptop on XX/XX/XXXX and I am still waiting for my application to get approved. The claims agency ( XXXX ) associated with Discover has never contacted me for the pending claim despite being contacted ( calls, emails, voicemails ) by me several times in last couple of months. Neither the claims agent nor her manager has responded to my calls. To my surprise, when I login to my claims portal, I see documents uploaded by one more person in my account which is a huge threat to my privacy and security. Neither Discover nor XXXX is willing to be accountable or such negligence. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: SC
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:
Ive disputed with all three credit bureaus on my XXXX XXXX credit card ( XXXX four digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( 5 or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by XXXX XXXX Equifax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: ATG Credit, LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a response from ATG-only thru CFPB complaint-the company has never mailed a letter or anything but put an {$18000.00} debt on my credit. To this date they still have never mailed a letter either. They claim they sent a CARD with something on it showing my debt and classes a CARD-but not a letter NEVER HAPPENED. 

After receiving a response from CFPB- ATG advised that I withdrew from XXXX and that XXXX returned all loans back to Student loan. I never ever withdrew from school- In fact I was able to access my information today thru XXXX and noticed that they still have letters approving me for financial aid effective thru the end of XXXX. 

1. If I withdrew from classes-what date did I withdraw? 

I have class schedules, grades from teachers, and financial aid that was paid to XXXX-those will be attached from XXXX. Even award notices thru XXXX-screen shots. 

2/ XXXX stated that I could not receive student loans because of XXXX XXXX-but I am attaching document approval screen shots from financial aid department-and funds accepted. 

IF I DECIDED not to go back to school-then according to Federal Student loans-balance would start being paid back 6 months after out of school. I continued school-I never decided to quit or withdraw. I would owe Federal loans money not a private collection agency. Why would you return my loans after a year of taken classes-Why would you accept loans for a year or two if I withdrew and never attended. 

Please provided answers. and remove from credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Foris DAX, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Currently, Crypto.com holds my money in a XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX I lost access to XXXX Authenticator. 
Followed detailed instruction as per Crypto.com Help Page, sent data to Crypto.com to reset XXXX. 
All identification information submitted according to Crypto.com 's own instructions. 
Later, recieved email demanding yet more identification info and a new picture of myself but now only through Crypto.coms very unreliable program that is very difficult to use. Crypto.com says they will not accept email. 
I am lost. Dont have instruction as to WHERE in app I am supposed to send pic and how?? 

I WANT MY MONEY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a tablet and other devices from XXXX that i returned to them when i stopped using them. I was supposed to recieve a credit for the devises which would lower my final bill but they never applied the credits and then sold it to a collection company. The company won't respond to us asking for the credits on our bill and are attempting to over charge us for an amount that isn't owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
OnXX/XX/XXXX I made a payment through XXXX XXXX for the amount of {$2600.00} to my TJX Rewards Credit Card. InXX/XX/XXXXmy TJX Credit Card was declined when I was trying to make a purchase. I called TJX Rewards Credit Card customer service onXX/XX/XXXXto inquire about that. When I spoke with a representative I was informed that payment was not received and ; therefore I made another payment of {$2800.00} that was the balance at that moment. That day I did not check my bank account because I was traveling. On XX/XX/XXXX when I returned, I called XXXX XXXX and I was informed that in fact payment ( {$2600.00} ) was sent and received by TJX. SinceXX/XX/XXXX I have sent proof of payment and also contacted TJX more than 15 times. I have spoken with supervisors who stated that payment was received and I will get a refund check. In XX/XX/XXXX I spoke with one of the supervisors who stated I will get credit within 2 weeks and when I called inXX/XX/XXXX another supervisor stated that a request to investigate claim has to be filed because he could not see any response to the claim. Up to today I have no received credit. Every time I have called, I have to speak with a different supervisor and all they say is that they have to make the report and I have to wait another 30 days for a response. It has been 5 months since I started this claim and I feel every month they just made an excuse and I have to wait another 30 days. Attached you will find copy of proof of tranfer from XXXX XXXX to TJX.

TJX Customer Service XXXX Fax 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 monetary relief
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation