BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The complaint relates to coinbase. I have protected my account using 2-factor authentication. By switching my mobile device, the 2-factor auth in coinbase needs to be updated as well otherwise you will unable to make transactions anymore. It happend that my account was blocked and asked to unblock my account. I'm now waiting more than a week and all a got is sorry emails confirming my issue has been properly escalated.coinbase supportdesk doesn't allow you to do anything (no escalation via manager, no complaint management nothing). They just telll you you need to wait. but no reaction. It appears thousands of users have problems with accessing their money etc.I'm perfectly fine that coinbase has a great success to celebrate with new clients. But they block user's money by not doing anything related to i.e. my issue. Throughout a week I lost several thousand of dollars because I was not able to do transactions.Whatever they write as Terms and Conditions of use, this is actively blocking cash and coin outflows from coinbase. They actively decide to serve the onboarding of new clients first to promote their success and they absolutely don't care about existing clients.I'm an international client of coinbase (XXXX) but I have never come across such a treatment of customers. Don't get me wrong, whatever they write you is polite but they then don't keep their promises.This company is not mature enough to service financial clients at all.What options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Fidelity National Financial, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I'm in the process of buying a house. On XXXX XXXX I signed a contract with XXXX XXXX company in XXXX  XXXX, VA. They were to do the title search then notify my mortgage broker when I was " clear to close ''. I received my " clear to close '' on XXXX XXXX from XXXX XXXX XXXX  XXXX. My closing date was scheduled XXXX XXXX, XXXX. On XXXX, I was notified that the seller had a paid off home improvement loan that was taken out in XXXX that never had a " release of loan '', therefore my closing has been delayed. I have now lost 20 hours of time and a half pay that I could have earned but turned down hoping to close on this house. I am already paying the utilities on the house as of XXXX XXXX to prevent any disruption in service and to protect pipes in the event temperatures drop. I feel the lender to the seller has not followed their commitment to the seller and my title company should have found this prior to the day before my closing. I will end up losing more earned income when all is said and done to rearrange my schedule as a XXXX  which is not an easy task. I look forward to hearing back from your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I submitted all of the information to surrender the property to the bank (JP Morgan Chase).X/X/2018 All information was sent to them at XXXXAmount owed on the property is $XXXX the owner XXXX XXXX. XXXX is in the XXXX XXXX XXXX and can not afford to pay the mortgage. I am serving as power of attorney and meet with the officers of the Bank and was informed that a surrendering letter along with Durable Power of attorney was needed to surrender the property along with proof of XXXX XXXX is  living in the XXXX XXXX.  They have not accepted the documents and keep stating they have not received them. I have emailed them and faxed them with the bank managers XXXX XXXX XXXX. The main person at Chase that is giving me the run around is XXXX XXXX XXXXXXXX XXXX XXXX the fax that he had me send the documents to was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My finance requested that I place {$5000.00} in a BB & T bank in Florida to be credited to a BB & T bank account in Texas. The BB & T branch in texas refused to place the funds into the intended account in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Wire transfer of {$7000.00} to Coinbase was sent on XX/XX/XXXX. I have checked with their bank in NY and the money was in their account as of XX/XX/XXXX. The website currently states that wire transactions are up to date and may have a 2 - 3 day processing time. There are still no funds posted to my account. There is no way to talk to anyone about wire transfers. I have sent an inquiry and an escalation request, the first onXX/XX/XXXXXX/XX/XXXX and the last one on XX/XX/XXXX through their support portal. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: NY
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:
Hello on XX/XX/2019 went on XXXX XXXX noticed i got a hard pull from XXXX  XXXX on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45 days.

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 2021-12-07
Company: EQUIFAX, INC.
State: MI
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 XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Doctors appointment at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NC XXXX on XX/XX/XXXX. I paid in full for the services on XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX and I spoke with a woman from a collections agency who informed me that I owed money to XXXX ( from the XX/XX/XXXX appointment ) and I had n't paid it. 

I told her I had no knowledge of the bill and had not received any notifications ( by mail or via the phone ) from XXXX over the past year. She told me the address where the bills were sent. I informed her that I have not lived at that address for over five years. She told me she would send a new copy of the bill to my current address but there was n't anything else she could do. 

Since that phone call I have continually been berated with calls from various numbers similar to the one she called from. This has been inconvenient and unnecessary since I ca n't move forward with anything until I see the bill. 

On XX/XX/XXXX nearly a year after my appointment I received a piece of mail from XXXX XXXX XXXX XXXX notifying me that my XXXX account was sent to collections and my balance due is {$240.00}. I still do n't have a copy of the invoice or any communication from 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 explanation
Consumer complaint received 2018-01-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent the attached information to Equifax, CMRRR via  USPS, as well as faxed 3 times, in support of my 605B block request. Equifax states they received it, but only 1 page and my social security card.

I asked how they could lose my information so many times. They advised that the mailroom scans and then shreds the papers. However, my information is not being delivered to Equifax fraud investigators, no matter how I send it. This is unacceptable. I have been fighting this fraud for over a year. Equifax will not provide an address to send items signature required, so I have no way to ensure my information is received. I have given plenty of chances for Equifax to address this with the methods provided.

I am also unable to submit this information online, as I am blocked from doing so on their website. I am unable to view my credit report even though I pay monthly for it. I am unable to purchase my report. I am unable to use the dispute system. This ca n't be legal.

I am attaching the documents I have been sending directly to this complaint. That way, the CFPB can deliver them. Maybe they wo n't shred my life away this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: ERC
State: PA
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:
XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. XXXX provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. 
I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand XXXX stop reporting a collection account that XXXX and XXXX  investigated and determined it is not mine and deleted it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom This May Concern : We are writing this letter in an attempt for some assistacne regarding payoff issues with CitiMortgage. 

We were in the process of renovating our property when a neighbor told me that someone was in my property. 
CitiMortgage had the men to come and break the door and damage it to change the locks on the property. The front door is damaged which can not be repaired. 

My grill that was on my upper deck was taken into the house which they also had broken. 

As they can see that the house was being renovated by looking at the outside and inside of property. 

We had put siding on the property and pulled up all of the carpet inside the property. 

We had requested a pay off in XXXX. Amount {$3200.00} Good through XXXX XXXX, XXXX. That deadline was not met. 

Next Pay Off was {$5400.00} in which they paid end of year property taxes which was not due until XXXX XXXX, XXXX. 

Pay Off letter 3 now show {$9000.00} good through XXXX XXXX, XXXX. 

How and why did it go up so much? 

Our principal balance on the property is {$2200.00} We have not came this close to lose our property. 

CitiMortgage is trying to do everything they can to take our property.

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 2021-12-07
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
2 withdrawls both for {$300.00} apiece at atms both on XX/XX/XXXX .they do not list locations on the report..but because they say my chip card was used and that they can not be duplicated and that it happened within 100 miles of my residence that they denied my claim..they refused to look at the atm camera photos. They refused to send me to a supervisor when i asked them to give me a supervisor.i called them today XX/XX/XXXX around  XXXX..they put me on hold and never came back when they said please hold ill see about your options..there is no way i took out this money..first of all i thought my limit was {$300.00} a day..i gaurantee if they looked at the atm camera shots that they would see it was not me nor anyone i know..i dont know who the think they are stealing my hard earned money..but i need this money for rent and i will be very upset if i loose my place to live because of there inability to perform investigations of claims ..please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Kindly refer to complaint XXXX I have previously submitted documents from XXXX XXXX and pacer as well as XXXX XXXX that clearly state they do not verify. 

TransUnion could not have verified anything properly as no one has certified this as true and accurate-no one has personal knowledge that can certify the authenticity of this Kindly reinvestigate as they are placing unverified and inaccurate information on my file

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 2022-10-04
Company: EQUIFAX, INC.
State: FL
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:
I am a natural person, I am a living human being, I have rights under 15USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times.I demand the account listed below be remove because According to 15 USC1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX Account # XXXX Date open XX/XX/2019 Original amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions 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:
Experian is the only credit reporting agency that has not complied with creditor 's request to remove a derogatory account from my report due to fraud. I have made multiple attempts between XX/XX/XXXX and XX/XX/XXXX to have the " XXXX XXXX '' account deleted. I filed another dispute on XX/XX/XXXX, that included a copy of the letter ( attached ) from XXXX XXXX XXXX ( dated XX/XX/XXXX ). Update received from Experian on XX/XX/XXXX still shows the delinquent account on my credit report. 
This account was closed in XX/XX/XXXX but accessed and charges were made without my knowledge and became delinquent in XX/XX/XXXX. I became aware of the account on my report in XXXX of 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 explanation
Consumer complaint received 2018-01-19
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld Systems Inc XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX ) XXXX Has been repeatedly calling me from the following numbers : ( 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 I do not have any delinquent debt, they have my phone number confused with someone with similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Duvera Billing Services, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took my car to a place to be repaired. I needed a transmission. I applied for credit to get the repairs done and when it was approved and the amount, it did not have the interest rate on the paper at the time. I had no idea what the interest fee would be until my car was repaired and ready to be picked up and then I noticed that it was at 130 %. The total price for repairs were XXXX in which my credit was only XXXX, and its financed for 24 months @ $ XXXX  monthly. I will be paid back over {$6000.00} by the end of the 24 months. My credit was not perfect but this amount is ridiculous, and they do not disclose the interest rate until after the car is completely repaired because they know SOME people need their transportation, and this allows repairs to be done in a way that seems easier for people with not so perfect 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 2021-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I got approved for a refinance auto loan at USAA in the amount of approximately {$56000.00} at APR of 0.48 % however the loan was done in my old name even though I sent the document of my name change to USAA several weeks ago and they have not updated it. Now my loan may likely be canceled and I will not be able to receive the refinance loan even though the error was done at the institution. The car title and loan at the other institution is in my new name as all my other documents however USAA either refused to approve my name change or drop the ball and I am very disappointed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. Equifax provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. 
I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand Equifax stop reporting a collection account that XXXX and XXXX  investigated and determined it is not mine and deleted it?

Company response to consumer: Closed with explanation