BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had an unauthorized transfer based on a fraudulent account takeover and Coinbase is insanely unresponsive. When I finally got someone on the phone they were 100 % inept. Clearly not aware of anything about account hacks. I LOST $ XXXX OF XXXX TODAY. And yet no one who can actually help will get on the phone. The Rep repeated assured me on the call ( which was recorded ) that there was no activity on my account. Repeatedly said that- but I saw it with my own eyes ; and an hour into the phone call after I insisted he keep looking, he realized he had missed it. Again CHECK THE PHONE LOG. The conversation was recorded. When it was clear to me that he couldnt help and was only hurting my chances of recovery, I asked to speak with a manager. He said managers do not get on the phone ever. Insane! I have a $ XXXX loss and a manager cant help? Instead Coinbase offers an inept, poorly trained Rep who made things worse. I need my $ XXXX returned immediately. The security controls are wildly lacking and the customer service insanely inept. I dont understand how you can treat financial institution customers like that. Your security controls are so lacking they are negligent. Its insane to me that you didnt pick up a massive sweep of my account after a password change and no factor authentication. Thats basic security!!! 

I can not wait and am filing this before I file a lawsuit. Procedurally I will move quickly as its clear that Coinbase doesnt have the capacity or interest in helping. I cant wait 5-7 days to learn if a manager will answer an email about my stolen $ XXXX of XXXX. Thats insane!!! Yet its how CB does business apparently. I need help - I tried to get it through customer service and it only made it much worse. Now I need legal and regulatory enforcement assistance. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, my name is XXXX XXXX. I currently have a balance open in collections due to a medical bill that should have been covered by my insurance in 2017 of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX. The last reported creditor is Phoenix Financial Servic. I have not once received a letter stating that I could dispute this open balance. The total open balance is {$1300.00}. 

I currently am unable to provide payment and this has made a detrimental impact on my credit score. Being XXXX XXXX XXXX, this debt in collections is making it extremely hard to continue building my credit. 

I request the current open balance in collections from Phoenix Financial Servic to be disputed and removed from my credit history. 

Thank you for your time. 

Best, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Client Services, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But XXXX has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! XXXX NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!

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 explanation
Consumer complaint received 2021-08-10
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am furious!! Discover closed my account ( Account number ending in XXXX ) out of the blue for no real reason. They gave me some XXXX excuse and closed my credit card that I had with them for 9 years. This has injured my credit score because I lost credit age that I worked so hard to build up. THIS COMPANY IS IN VIOLATION OF 15 USC 1637a ( 1 ) because they can't close my credit as a protected consumer. As a consumer, my credit can not be " closed '' because I have the right to credit. This is an open ended credit card account meaning, it did not have a close date. Discover in fact closed this credit card account which was deceptive to me as the consumer. they mislead me into thinking this credit card was open ended, under FDCPA 8012, Discover furnished deceptive forms. I believe they closed my credit account in error, as the original creditor under 15 USC 1692g, I did not consent to this credit card account being closed. I want my cards back with all my years for credit reinstated. They even gave me a brand new card, then months later closed both the new and the old cards. I have always paid my cards on time. I am losing my mind over this, I need Justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2021, I paid off my Chase credit card in the amount of {$14000.00} ( the payment was due on XX/XX/XXXX, but I was awaiting the last of my funds to register in my bank for the payoff ). On XX/XX/XXXX, I was charged an additional {$160.00} in interest, two days after my payoff was posted and completed. 

I have requested with Chase that they look into this ( XX/XX/2021 ), and was given the explanation of " Since the full statement balance of {$14000.00} was not received by XX/XX/2201 due date, interest charge of {$160.00} was assessed on your account. Even if you pay that balance in full, you'll be charged interest from the date the last statement closed until the payment for the full balance on the account was received. '' ( Sadly, the poor wording is in their response to me, not in my relay of the response. ) They also give a long explanation that this decision is " based upon compliance with applicable terms of our card member agreement ''. I'm frustrated, and believe that this is an unfair business practice, that a one-day late payoff ( if it was just a payment toward the account, I would fully understand ) results in {$160.00} in interest two days after the payoff was made. Had I seen any additional charges at the time I made my payoff, I would have paid the entire balance - but this amount was the entire balance, stated online, to be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26
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: Information belongs to someone else

Complaint:
equifax stopped me from getting new credit card from XXXX ... spoke with people in fraud dept at equifax ... XX/XX/XXXX we faxes to their agent -- -global consortium all information and copy drivers licience as requested ... we recieved a reply with incorrect information ... my social secutity number was stolen in XXXX ... ( XXXX XXXX XXXX..born XX/XX/XXXX was arrested and pleaded guilty.. ) my name in XXXX XXXX..REPORT FROM EQUIFAX -- - CONFIRMATION # XXXX ... .CONTACTED EQUIFAX TRIED TO EXPLAIN THE PROBLEM ... .THEY ASKED FOR MORE INFORMATION TO BE FAXED TO THEIR FRAUD DEPT & COPY OF SOCIAL SECURITY CARD ... ALL THIS WAS DONE ON XX/XX/XXXX ... STILL NO RESOLUTION TO THIS PROBLEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: IL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching a letter that my husband and I sent to XXXX and Experian on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to XXXX and Experian a couple weeks ago, and those letters have also been ignored.

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 2021-08-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
debit card was stolen XX/XX/2018 reported to bank XX/XX/2018 charge to debit card XX/XX/2018 {$130.00} charge to debit card XX/XX/2018 {$3700.00} I disputed charges with bank, they said I would not be responsible for these charges. 

I received letter and calls from bank stating if I didn't pay these charges I wouldn't be able to open another account with them. 

I paid. 

I tried to open another account with Chase Bank 2 more times I tried to open bank account with 3 different banks, but I was denied from all banks. 

I filled out a report with XXXX XXXX Please advise what other steps i can do to open an bank checking account. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America previously instructed me that I would not be able to close my account over the phone and would need to appear in person or send a written letter to do so. I sent a letter to close my accounts ( checking and savings ) in XXXX ( Around XX/XX/2018 ) and moved all money from my account. I later discovered that the account was charged a service fee which resulted in a transfer from my credit card ( an apparent overdraft protection I didn't realize was in place ). Assuming it would take some time for the letter to be received and closure processed, I went ahead and paid the fee and paid the balance that appeared on the credit card because of the overdraft protection and sent another letter letting them know that the fees should be returned to me and added ( CC 'd ) a copy of the original letter. This occurred approximately 3 weeks after the original letter was sent, I honestly feel it should not have taken that long to close the account. 

Because of work, travel and some family stuff, I didn't get around to checking on my account ( with two letters, I was sure I'd done what I needed to do ). In the meantime, I was charged some minimum interest charge on my credit card, a charge I was not aware of because I didn't use the card for cash advances ( which is seems this unwanted overdraft service was considered ). I wasn't aware of the charge, it appeared about 5 days after I paid the account. 

I was told by the credit card team that I would need to contact the banking side and find out what happened. They also informed me that if the banking side closed the accounts/refunded the fees and determined it was their mistake, that they would go ahead and resolve everything with my credit card ( late fees and a 30-day late payment report to the credit bureaus ). I went through this whole process with the banking ( checking/savings ) side and they agreed it wasn't my mistake and closed the accounts, refunding all fees. They said as much to the credit card side, but that side didn't do as promised. 

My account should have been closed when I requested it. I should never have been charged any fees and my credit card should not have been charged the overdraft protection. There should also have never been a late payment notification on my credit report ( there are no others, my credit report has no other negative information ). Further, the late payment amount was reported incorrectly as {$26.00} when it was only ever the {$1.00}, though I believe this is something that I'll need to work through a different organization with. 

Bank of America has gone back and forth telling me they would fix it and that they wouldn't. I'd planned on applying for a home loan this week, but I need this resolved first.

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 2019-08-12
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I bought something over Paypal back in XX/XX/2018, i tried contacting the seller multiple times, over Email on XXXX, her shop and personal account and i tried to get answers from Paypal. But back In XXXX she told me it would be ready and shipped off soon, but eventually just stopped replying or answering my messages. And i never got my item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As of XX/XX/2019 the loan balance on my XXXX mortgage account is incorrect and not reflected correctly in any of the credit bureaus, XXXX, XXXX  or Experian.

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 2017-08-07
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
FedLoan Servicing has me for a balance of {$200000.00}. I have tried numerous times to get Loan forgiveness as I have been XXXX for the past six years in XXXX XXXX XXXX that are eligible for the loan forgiveness program. I have tried to get my payments reduced based on my income also and each time I get a much higher payment than before. I have both a mortgage and rental expense at this time in order to move closer to work to make a living. I am also a single mother trying to take care of my child. They have now put things on my credit report. I do not know what else to do while I am trying to get it reduced. Can someone help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher collections states I owe {$1200.00} for XXXX XXXX. I have disputed XXXX XXXX claim before in XX/XX/XXXX but now a new one appeared on XXXX XXXX. I have no account with XXXX XXXX or Amsher collections. I have never had services from XXXX XXXX. I have lived in apartments the last 10 years none of which allow for XXXX .I disputed with XXXX company tried to say it was a accurate account. I called XXXX they only transferred me around and continually asked for my ssn. Was sent to the Spanish line twice, I do not speak Spanish. Never sent information about this debt only saw it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: CT
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 submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, "I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction(s) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All accounts were removed except "US Bankruptcy Court Clerk of XXXX XXXX CT " in the amount of $XXXX. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victim’sComplaint and Affidavit. This account is not mine and I am requesting that it be removedfrom my credit report.

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 2020-11-21
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The monthly payment due is miscalculated to be {$3000.00}. 
The correct monthly payment due is {$2900.00}. 
Escrow account has been closed. Escrow Closing Notice attached. 
The correct minimum monthly payment is arrived by adding the line items for principal ( {$770.00} ) and interest ( {$2100.00} ) from the latest monthly statement received. XX/XX/20 statement attached.

Tried to resolve the wrong monthly payment with loanDepot on 2 instances. Message acknowledgement on XX/XX/2020 ( attached ) and Live Chat on XX/XX/2020 ( attached ).

Still no resolution. See attached XX/XX/2020 Payment Screen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
i am a victim of identity theft as previously stated

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 2020-09-08
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX a certified letter was mailed to Equifax asking them to delete the information that was reporting inaccurately on my Credit report. The certified letter was received on XX/XX/XXXX at XXXX. The letter requested that I demand XXXX XXXX XXXX be removed from my credit report due to Equifax reporting the date of last activity they have listed on the credit report is XX/XX/XXXX. How can this be? When the account according to the credit report was opened a whole year later on XX/XX/XXXX. So this would mean this information is reporting wrong and incorrect. I have asked Equifax to remove this account but yet and still it still reports on my credit report. I also have a letter from XXXX XXXX XXXX where this account should have been removed last year in XX/XX/XXXX along with XXXX  and XXXX I have disputed this account several times with Equifax and yet they have been lackadaisical about removing items and reporting erroneous Information to the CRA. According to the Fair Credit Reporting Act this should be deleted and is suit for a law suit.

Company response to consumer: Closed with explanation