BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citi bank closed my account around XX/XX/2020. I had checking and saving account with balance over 80k. After I filed previous complaint at CFPB, They sent me only XXXX and refusing to release the rest of the money and refusing to discuss this matter with me. With over 100 calls and no one from Citi is able to tell what is the issue. This is complete abuse of power from the banking industry. There have been zero communication regarding this matter. They restricted my online access so Im not able to see my statement and refuse to mail them to me as well Previouse case # 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 2018-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BANK OF AMERICA continues to report my account as CHARGE OFF account was paid XXXX continues to report as account current and charge off

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 2018-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After XXXX years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission CAPITAL ONE AUTO FINAN XXXX {$3000.00} - - Installment Negative XX/XX/XXXX CAPITALONE XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
I reached out to them XX/XX/2021 letting them know they are not using proper reporting practices using metro 2 compliance. They are also directly violating my consumer rights As per Section 611 ( a ) of the FCRA They are stil reporting late payments and the account status showing past due when in fact this item was not properly verified and is inaccurate and was not removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I submitted a request for a free credit score in mid to late fall XXXX. When I received no reply, I submitted a second request on XX/XX/XXXX. Both times I included the requested copies of my Social Security card and driver 's license to verify my identity. To date, I still have not received any reply or a copy of my credit report. I contacted the reporting company ( Equifax ) via telephone on XX/XX/XXXX and was told no such request was on file and I should submit a third request, with supporting documents, to Equifax 's Dispute Dept. The customer service representative I spoke to was unable to provide any information on previous requests or how I could ensure my third request would be entered into their 'file. ' I found him unhelpful. A third request was faxed to Equifax on XX/XX/XXXX. Any assistance you can provide in ensuring I obtain a copy of my credit report would be appreciated. I am aware there are discrepancies on my credit report but can not address them without an actual copy of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have 3 major issues with the company Coinbase. 
On XXXX I purchased XXXX $ of XXXX and on XX/XX/XXXX another XXXX $ worth of XXXX. The following day when I wanted to sell my coins for a profit several issues arose : 1. The sell max function- which allowed you to automatically sell you maximum coins was not working at all, it was up to me to roughly calculate how much money I wanted Inevitably leaving some behind in their wallet. 
2. As soon as I sold my requested amount of XXXX $ they cancelled my transaction! This resulted in me losing money, they did not let me sell when I wanted and I was stuck selling when their system permitted me to. I sold on XX/XX/XXXX XXXX $ worth of XXXX XXXX, leaving XXXX $ worth behind, again because their sell max function doesnt work. I lost hundreds of dollars and there is no one to talk to. They do not have customer service. I filled a form and revived a reply via email it will take them 5-7 days to look into this. But Im the meantime they took my money and I want it back.

3. After filing a complaint with the XXXX on XX/XX/XXXX, they are not letting me withdraw my funds out in the amount of XXXX $ and holding my money hostage for no reason. When I try to complete the transaction the system shows a message saying I have no funds available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: Bread Financial Holdings, Inc.
State: VA
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:
Did not receive bill in mail assuming issues with COVID. Also got a new credit card linked with auto pay. I am unable to get a home loan due to the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: MO
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:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: M&T BANK CORPORATION
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was a customer of M and T bank for several years. Until recently, I had no complaints. However, I noticed this past month that I was charged a XXXX monthly fee for a service I thought was free. I checked my account and saw that this amount had been taken from my account for the past few years. 

When I called customer service, the woman was kind enough to inform me that my account required that I have direct deposit or XXXX dollars to avoid this fee. When I first signed up for M and T, I was told this account was free, and it was, considering that at the time I had my check direct deposited into my account. However, this money has been taken from my account since I left that job which was in XXXX of XXXX. I asked my customer service person if I could end this, she said yes, and that all I needed to do was downgrade my account. I did this immediately, and then asked what difference there would be to my account. She said nothing. My account status simply made me eligible for other benefits which I never used. I calculate that from XXXX of XXXX to XXXX of XXXX, I have paid XXXX for a service that was never used and never requested. 

What 's more, upon investigation, I found that in XXXX, M and T was fined XXXX dollars for just this infraction, and paid XXXX XXXX dollars in refunds to over XXXX customers complaining of this same issue. 

When I called M and T to ask for this money to be refunded to me, they said that this would not be done. They said that the above infraction did not cover my type of account, which she said was never advertised incorrectly. 

I have, however, paid nearly XXXX dollars for a service I never received or requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Asset Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Asset Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have received dozens of calls to my cell phone from Asset Recovery Solutions. They are trying to contact someone named " XXXX XXXX. '' I'm not sure who this person is, or if this is the correct name for the person, but it is not me. I have spoken with an employee of this company in the past explaining that the person they are trying to contact is not me. They have the wrong phone number for the person that owes the debt and to take my number off their list. They have not honored my request and continue to call my phone. 

What has prompted me to file a complaint is the call I received from Asset Recovery Solutions on XX/XX/18. Once again I explained that I am not the person they are trying to find, that I have requested for my number to be removed from their list in the past, and they claimed I never did so, and if I did, that maybe an employee had a " mishap '' in properly removing my #. 

I've received calls from XXXX on XX/XX/18, XX/XX/18, XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 x XXXX XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 I can not verify if every single one of these calls is from Asset Recovery Solutions. This is also not a complete list of calls from this company. Some calls I did not answer. Some calls I answered but the automated system didn't register that I had picked up. Some calls I answered and the person asked to speak to " XXXX XXXX '' ( sp ) and I explained it wasn't me and they would just hang up. 

I believe the majority of these calls were from Asset Recovery Solutions, as I have had this same # for over 10 years and have never had any unwanted calls until Asset Recovery Solutions started calling. 

I've requested Asset Recovery Solutions to provide a call log of all calls and attempts made to my phone number and they have denied my request saying that they do not have to do that. 

I have now sent them a cease and desist letter through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the very end of XX/XX/XXXX into XX/XX/XXXX I switched two lines from XXXX to XXXX. I went through the buy out program of XXXX where they will pay up to XXXX dollars per line that switches to them off the final bill from the previous phone company. The only things I needed to do was to turn in my old XXXX phones and obtain those receipts from XXXX and then once XXXX made the final bill, take that online and plug in the info for the buy back. Over the next two months I went in to multiple debates with XXXX both in person and over the phone over this bill. XXXX initially kept telling me that the bill was not yet available and to wait till the next billing cycle and then when it would come I would receive the same answers. XXXX had also locked me out of my own account months prior to switching to XXXX and would not allow me to see my bill break downs and would only accept money for bills. I spent hours and hours on multiple phone called with XXXX both before switching and after attempting to get access and they were almost entirely of no help. No matter how many people I talked to on the phone, they for some reason were unable to give me access to my own phone account so I could see why and where my charges were coming from. Fast forward a couple months after switching to XXXX and attempting to get the final bill with no luck and suddenly I receive a notification in the mail that I was sent to collections by XXXX for not paying my final bill. This is the bill they refused to give me and that I now apparently owed something close to XXXX dollars. I obviously immediately contacted XXXX and learned that not only had they sent me directly to collections without sending me the final bill but they also had only ever switched over one phone account and still had the other account still open obviously unused for many months and racked up with fees and charges for not paying it. I am still in dispute over this with them and this just adds to the already large issue of them throwing me into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a PNC Virtual Wallet Checking Account, and I experience problems constantly when I try to Use XXXX XXXX to link to my PNC account from other external accounts I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe I am a victim of mortgage fraud or predatory lending. 

I bought a home 13 years ago for {$280000.00}. Thirteen years later I owe {$300000.00}. XXXX. 

In 2007, I purchased the house that I currently reside in for {$280000.00}. Due to a divorce, my home went into foreclosure for less than a year. With all of the fees and what I believe to be fraudulent and predatory banking practices, I currently owe {$300000.00}. Please note that I have been paying my mortgage on time for the past 12 years. 

How is this possible? How is this legal? The mortgage servicer at the time of the modification was XXXX XXXX. It has since been transferred to Select Portfolio Servicing ( SPS ) I am certain that I am but one of many families of XXXX who is in this very same situation feeling trapped in a system that they can not fight. 

Any assistance you can provide would be tremendously appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX MA. 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 2018-11-20
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Received communication from XXXX XXXX XXXX stating that my credit score received from XXXX XXXX is low due to " Distance between address and area code of phone number '' " Not enough debt experience '' This is clearly bogus information as the area code for this address is provided by XXXX XXXX XXXX and I am XXXX years old and just purchased a new house. I have tons of credit. 

They say that due to this credit score I may be required to give a nonrefundable credit fee to order the service ( XXXX XXXX ) ..owned by XXXX & XXXX XXXX 
Did I mention that I have had mobile service from XXXX XXXX XXXX for no less than 10 years ( the same account ) This is not right.

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 2018-11-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 status incorrect

Complaint:
My loan account service was transferred from XXXX XXXX XXXX to Carrington Mortgage. They are showing there is some late fees that were transferred. I disputed the accuracy but the company refuses to send information to prove the accuracy of fees.

Carrington also is reporting the fees as if they are a late payment. The account is current but they are unwilling to change the way it is reported. I have tried to get them to correct the way they are reporting but they say it is all accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed the debt on my report from XXXX XXXX it was for a medical bill the medical bill is not for me and the debt collect has failed to send a signed contact by me of any kind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have used this company for about 3 yrs. I have had new cards from them several times due to my card either being lost or stolen. My stimulus impact payment was sent to one of my old cards and it is not connected to my new card acct. I have tried calling and I can't get through fir the last 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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:
On XX/XX/XXXX I sent a letter to Helvey & Associates in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Payment of home equity loan made not properly applied. i made payment of {$2000.00} and out of it about {$170.00} is interest but the Loan servicing is applying most of it towards interest and the rest to principal. I called several time. Looks like they do not care

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
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:
According to EQUIFAX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 my ex roommate went to Navy Federal Credit Union and deposited a check into a joint account. However I never received, signed, nor gave her the permission to deposit this check! I have filed identity fraud due to this. The check amount was {$2.00}, XXXX. 
Immediatly I called the bank to start an investigation. Once investigation was over the bank states there is nothing they can do!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: The Receivable Management Services LLC
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: Was not notified of investigation status or results

Complaint:
Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Collection agency doesnt have release to collect on debt NOR is actual owner of these debts. deceptive and unfair practices

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