BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I have been a Capital One credit card holder for at least two years. I opened this account as my first credit card when I was in my final year of college. I believe it was, at once point, associated with my status as a Student. I am 13 months out of college at this moment and have almost always ( at least for the past 12 months ) paid the complete amount on time. I have never spent over my limit ( or even come close ) or been more than a few days late, if at all. In late XX/XX/XXXX/early XX/XX/XXXX I closed my checking/savings with a small local bank ( Institution for Savings in XXXX, MA ) and opened a new checking/savings account with XXXX XXXX. I immediately linked this account to my Capital One account so I could continue paying my monthly credit cards bills on time. Unbeknownst to me at this time, the XXXX XXXX account was somehow not added to my Capital One account, but instead a XXXX XXXX XXXX account was added. I do not currently nor have I ever had any kind of account with XXXX XXXX XXXX. I do not know how this account was added. I did not consciously done. Because this account, not my XXXX XXXX account, was added, the auto-payments from XX/XX/XXXX and XX/XX/XXXX defaulted and did not go through. As such, the account accrued both late fees and interest charges from both of these months. There was no effort made by Capital One to inform me of these default payments, despite 2 years of history and and an exceptional record of on-time payments. Today, I logged onto my mobile account and saw these fees and charges for the first time. Thinking it was a misunderstanding, I called the customer service number. They informed me of the XXXX XXXX XXXX accounts, which, as you can imagine, was a huge surprise to me. The company then led me on a 2 hour, 7 person, 2 dropped call goose chase to get answers. In the end, no one was able to help me. I am extremely frustrated and disappointed at the quality of customer service, inability to claim responsibility, and attitude with which I was treated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had an issue with Coinbase about XXXX, 2017. I received an email from them and when I opened it in my internet browser the login and password fields were populated with my login and password. I thought the problem was theirs so I called and put in a support claim. They immediately deactivated my account for security reasons. I subsequently realized that it was my internet browser that populated those fields in their email. I contacted them, explained the problem and how I felt it happened and was fairly sure the problem was on my end. I readjusted my browser settings immediately. It has now been more than six weeks and they still have not reactivated my account. After several calls and emails I still receive no indication they are addressing the problem. I ca n't log into my account. I do n't even know what the balance is. Their customer support hotline would not even connect you with someone to talk to. It just told you to try again later and then disconnected you. I would appreciate your hellp.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I made an early manual payment to my credit card ending in XXXX for the amount of {$4500.00}. On XX/XX/2021 ( due date ) I saw that another payment for the same amount of {$4500.00} was paid again on the card. I did not create this duplicate payment. 

I reached out to Bank of America on the XXXX to undo this duplicate payment as I had bills coming on XX/XX/2021 ( mortgage etc ). They refunded the money and said it would take 2-5 business days and not to worry that will be prior to XX/XX/2021 when my bills were due. On the 6th business day I called saying why the duplicate payment was not reversed and was told that because of the amount, it is going through fraud which will take up to 10 business days. More than 10 business days have passed and, as of the date of this complaint ( XX/XX/2021 ) I still have not had the duplicate payment reversed and I have had to deal with late payments on bills due on the XXXX of XXXX because Bank Of America refuses to refund the duplicate payment

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 2021-10-09
Company: DISCOVER BANK
State: WV
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:
XXXX, order number XXXX amount of {$1700.00} XXXX, order XXXX, amount {$1300.00} XXXX, order XXXX, amount {$2100.00} XXXX, order XXXX, amount {$2900.00} XXXX, order XXXX, amount {$39.00} All of these were purchases and reimbursements from XXXX XXXX. Each was through my Discover card account. I have email from XXXX XXXX showing above stated refunds, but Discover is still charging me {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CITIBANK, N.A.
State: ID
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:
CITI CREDIT CARD charged an erroneous late fee of {$25.00} to my account that is always paid off to 0 each month. This was due to an error caused by the CITI Online web site. Talked to the Customer Service and the Supervisor whom would not give a credit back and stated they NEVER do under any circumstances as other ethical companies do such as XXXX or XXXX. DO NOT USE CITI I cancelled this account in disgust.

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 2020-02-10
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX from XX/XX/XXXX until XX/XX/XXXX I've sent 4 different letters to the XXXX   credit bureau demanding them to let me see verifiable proof ( an original consumer contract with my signature on it ) from Santander consumer USA .Because according to the FCRA section 609 ( a ) ( 1 ) ( A ) They are required by federal law to verify through physical verification of the original signed consumer contract- any and all accounts they post on a credit report. Otherwise anyone paying for there reporting services could fax mail or email in a fraudulent account. They never sent me a copy of the original signed contracts or deleted these accounts despite 4 written letters violating federal law. They always responded these accounts were verified and being reported correctly, but they never told me who verified these accounts or sent me any original documentation as required by section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA they're required to promptly delete. The law is very clear as to the civil liability and remedy available to me if they fail to comply under the ( section 616 & 617 ) The Santander account is a XXXX dollar debt from XX/XX/XXXX written off with a XXXX dollar past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX I attempted to withdraw {$9000.00} U.S. from my CoinBase account to deposit to my bank account. There seemed to be issues with the CoinBase website. ( As usual. ) I had a problem getting a confirmation so I attempted the transaction a total of three times. On the third attempt it seemed to go through. I then received a confirmation that my funds would be deposited into my bank account on XXXX XXXX. Today is XXXX XXXX and my funds have yet to be deposited into my bank account and they no longer show as existing in my CoinBase account either. I received notice that my first two attempts had been canceled but that my third attempt was confirmed. My account on CoinBase shows my {$9000.00} transaction to be " PENDING '' to this day. However, on XXXX XXXX I attempted to withdraw {$1000.00} U.S. to my bank account from Coinbase and those funds were deposited and available within two days. **This proves without a doubt that there is no issue with my bank, my routing or my bank account. ** I have spoken with my bank and they have NOT received any attempt at a transaction on or since XXXX XXXX for a {$9000.00} transaction. ( Only the XXXX XXXX transaction for {$1000.00}. ) I have contacted CoinBase by submitting a support ticket and I have called their phone support. All they will tell me is that my case has been " escalated '' but that I should not submit another support ticket, email them or call them again because that puts me at the end of the resolution line. ( And apparently that line is long! ) What a great way to scam people and withhold their money by telling them if they inquire as to where there money is that they will have to wait longer to get their money!! They also sent me a link to my support ticket that does not exist! It only goes to their standard support ticket page but does not show any relevant information concerning my actual case. If they ca n't provide accurate and timely transactions or resolutions then they do n't need to be allowed the responsibility of people 's money!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This borrower has a loan with Citizens one for which she obtained a loan modification back in XXXX 2016. She fell behind on that loan and was able to use the New York State Mortgage Assistance Program ( NYS-MAP ) to fully reinstate the loan. Soon after she receives a mortgage statement showing additional " recoverable fees '' that were never disclosed previously.In order to complete the NYS-MAP we requested that all fees should be added to the reinstatement quote and these fees are appearing after a reinstatement was done. We have tried reaching out to Citizens One who first acknowledged that there might have been an error to then claim that the fees are justified. Since then no matter how many pressing messages we left it 's been weeks of waiting for an answer, nothing no matter how we turn, they seem to avoid giving a real answer. They keep on calling borrower with different info and can not seem to show why she was given the " new fees '' added to her mortgage after her reinstatement. They try to justify them as Foreclosure fees but home was not in Foreclosure at the time.Therefore there were no need to add the total {$1500.00} fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello Im a fellow user of the app called cashapp. Recently Ive trusted cashapp in sending my stimulus payments to my cashapp using my account and routing number. They money was funded to my account, and now cashapp is saying my account is locked due to suspicious activity which is the activity of me trying to send out the money to friends I personally know. Is been over 24 hours and my account is still locked. I dont know what to do anymore and this is very unjust. Please help me I have no money to my name and need this money dealrly please call me at ( XXXX ) XXXX if anything leave a voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
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: Account information incorrect

Complaint:
According to 15 USC 1681s-2 XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, i was checking my credit report and notice an alert XXXX collection debt in the amount of {$560.00}. 
I believed it was send to XXXX XXXX credit bureau on XX/XX/XXXX from XXXX XXXX and Credence resource management LLC. 
On XX/XX/XXXX I send letter to XXXX, the collection agency and the 3 credit bureau XXXX send me monthly invoices but no validation that I ope any account with the company I have been with the same phone company for the past 10 years ( XXXX ) AND MY NUMBER IS STILL THE SAME I do not have any past or current account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called CMC funding and spoke to XXXX. I told him I want to pay XXXX bi weekly starting XX/XX/XXXX. He said he got it all set up and informed me some months will be 3 payments such as that month due to being bi-weekly. Firstly he messed up the amount XXXX. I went to get tax information XX/XX/XXXX and noticed it gave me a notice of possible late payment. I looked at my last months statement and it had a late fee of XXXX for XX/XX/XXXX even though I paidXXXX on a XXXX mortgage. I called and spoke to XXXX on XX/XX/XXXX. I expressed that this was not ok to charge me late fees due to their structure and option of paying every 2 weeks. I also told her that they need to waive the XXXX and since my payment payed the late fee instead of principal, they need to reinstate that amount back to when it was charged and recalculate the amount owed and interest charged to me due to the XXXX not being applied. She refused. She also said to change the payment amount she would not need to charge me all of XX/XX/XXXX AND XX/XX/XXXX to " pay ahead ''. I should not have to " pay ahead '' if the point of paying more now is to not pay on that interest over the months. Paying Bi-Weekly should also have the same affect. They have predatory lending practices by offering a biweekly payment option but if you take it you have to pay months ahead and if you don't you are charged late fees which only furthers THEIR BENEFIT of charging me interest on all those amounts. Interest on the money not paid due to it going to their late fees and also interest I pay because I'm paying " ahead '' but it counting toward the months in the future and not principal now. 

They are saying I have to pay XXXX today XX/XX/XXXX so that I can be far enough ahead to pay XXXX starting XX/XX/XXXX and biweekly there after. She said that the XXXX is the BASE amount but then I am paying more base amount in each biweekly payment thereafter. They gave me no other options, take it or leave it. 

you can get a copy of both the calls and my statements to prove out what I am saying

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 2019-05-06
Company: EQUIFAX, INC.
State: FL
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:
Following a review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I determined that said reports contained a XXXX XXXXXXXX Visa credit card under account number XXXX for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to Equifax, XXXX  and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I, MR XXXX. OWNER OF THE PHONE # XXXX, HAVE BEEN RECEIVING NUMEROUS CALLS FROM, ERC COLLECTION AGENCY [ XXXX ], REF # XXXX XXXX THEY'R CALLS TO MY PHONE # ARE ASKING FOR A ..MR XXXX XXXX XXXX, NOT KNOWN NOT AT THIS PHONE # I, HAVE REGERSTERED A COMPLANT WITH F.T.C. ON X/X/18, REF # XXXX AND ALSO CONTACTED THIS ERC AGECY, TALKED TO A MANAGER PLEADING TO STOP HARRASSING US ON THE ABOVE DATE. 
TODAYX/XX/2018 AT XXXX XXXX, I RECEIVED ANOTHER CALL WITH THE SAME THREAT/NOTICE OF COLLECTION, FROM THE SAME ERC/PHONE # AND REF # AS LISTED ABOVE. 
I BEG FOR YOUR INTERVENTION TO THIS HARRASSING CONDITION XXXX XXXX X/X/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Synchrony Bank Amazon # XXXX and Ashley Homestore/Advantage # XXXX credit card is lost/stolen and has fraudulent and unauthorized charges on both accounts. All the charges and transactions on both credit card accounts are fraudulent charges and not my charges.

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 2020-02-11
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX, I went to use my ATM/Debit card from Citibank. Got declined. I called customer service and they advised there is a security block on my account and gave me a phone number of an outside company that they said is handling this. I called them and they said NO, we have nothing regarding your Citibank account. Since then, I have been getting the run around regarding my account, saying it is being closed and a check will be sent to me, but yet when I call into customer service, they see the positive funds in my account. They have cancelled my debit card, will not allow me to transfer my funds online to an outside account, and we do not have any local branches in Texas to go to since they pulled out of Texas. I have asked multiple times for a supervisor to contact me, and they have not. They transfer me to fraud department which they say has nothing to do with it, they also say the new accounts department put this request in, but they never get anyone on the phone about it. This is absolutely ridiculous and they will not give me any specific information and keep saying the system produces everything

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 2017-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to Equifax. I went through the Equifax process denying that this is my debt and Equifax basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with Equifax.

Company response to consumer: Closed with explanation