BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/XXXX a debt was brought on against from Bonneville collections for about {$600.00} and is now {$910.00}. They have repeatedly harassed me with fake court documents and the most recent on XX/XX/XXXX a former supervisor of mine was served with papers by a sheriff from an attorney representing Bonneville collections to garnish my wages after 5 years since they served me with fake papers which the XXXX XXXX XXXX confirmed were indeed fake. It is my understanding that before such legal actions to garnish my wages can occur that I must be served with certified court documents first. This debt is ridiculous in the first place and should be removed as it stems from dental visit in which I was left with a fractured XXXX in my mouth XXXX not a common XXXX fragment ) and was lied to about it and the dentist chose to try and cover it up by prescribing me almost XXXX pills for the pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ND
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received e-mails from this company stating I have an outstanding debt with them and I checked my credit report and this company is not listed and also I don't recall ever taking a loan out with this company and also I have never heard of this company when I started receiving threating e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a significant amount of cryptocurrency with Coinbase. They have wallets and a " vault '' which was recommended to me by Coinbase to put my funds in so that they were safer. I have been trying to pull the funds from my vault into my Bitcoin wallet for 5 months. I have an exhaustive compilation of emails and phone records involving over 20 emails and over a dozenlong phone calls. Their system does not work, and when you call support they claim the phone support people can not resolve it and it needs to be given to a " specialist '' who does not have a phone. Convenient. I have been told more times than is fathomable on the phone and via email since XX/XX/XXXX that my case was being " escalated to a specialist, and they would rectify the problem and release my funds ''. Nothing. Not a single email or resolving my problem. This is criminal negligence. 

My name is XXXX XXXX and my Coinbase account can be provided upon request but I do not wish for it to be published.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX  XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX XXXX  Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time.

After doing so please provide me with an updated credit report reflecting the changes.

Best Regards, XXXX XXXX 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 2015-07-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Harassing phone calls. I have never missed a payment but recently had XXXX surgery which requires months of recovery. I called them to explain my situation and since then I received phone calls constantly on my cell phone everyday. When asked to please stop calling, they said we ca n't because you 're on an automated call system. It took talking to XXXX reps. before XXXX of them agreed to take my number off. 
Since then they call my home phone at least XXXX times a day until I answer. This has become harassment now. I am at home trying to recover from my surgery and they just wo n't stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
i am receiving benefits from Florida Dept of Reemployment (  unemployment ). My benefits were coming in a check and then several weeks I did not receive a check. Upon checking their web site I saw that the missing weeks were put on a Way2Go Master Card. I did not request this. I did not EVER receive a card from Way2Go. 
It is impossible to get through the automated response system without your card number. 

There are two numbers you can call for the Way2Go Master card. Both numbers XXXX or XXXX require you to have the card number and pin. If you do not have the number the automated response tells you to press the # sign. When you do that it tells you to enter your social security number, date of birth and pin number. Without the pin number the automated response system says thank you and hangs up. There seems to be no way to bypass the automated system and speak to a human. Since I never received a card I do not have a card number nor pin. 

Why part of my benefits were sent to this card I have no idea as I had been receiving paper checks in between weeks that were issued to the mysterious card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, a XXXX XXXX XXXX check in the amount of {$12000.00} made payable to me ( XXXX XXXX ) for an injury payment from XXXX insurance was stolen. Although the check had been endorsed to my XXXX XXXX XXXX XXXX account, had the account number and " for deposit only '' on the back of the check, the thief was able to replace my name with their name and address on the front of the check ; replace my signature on the back of the check ; however, the account number or " for deposit only '' was not tampered with. The check had already cleared when I became aware it had not reach my financial institution. According to a copy of the cleared check I obtained from XXXX it looks like the check cleared or was deposited on XX/XX/XXXX at an Iberia Bank. Even if the " fake name and signature '' on the check matched, what is the probability that the thief and I had the same account number???? A police report was filed and I have been working through XXXX to get the issue resolved. I was initially told by XXXX XXXX ( My injury case manager at XXXX ) that the process could take up to 90 days and that XXXX XXXX XXXX would contact me and send a package of information to complete for its investigation. XX/XX/XXXX, I had not heard anything from XXXX XXXX XXXX so called and emailed XXXX XXXX. I did ask for points on contact for XXXX XXXX XXXX at that time ; however, I was informed he would be the liaison. this process was new to him as well and had been given guidance by his supervisor. There have be intermittent follow-ups. My last update from XXXX XXXX on XX/XX/XXXX ; he stated that XXXX XXXX XXXX was trying to get the Iberia Bank to make good on the check because it should not have been cashed and the outcome would be know on XX/XX/XXXX. I called ( left a voice message ) and e-mailed XXXX XXXX on XX/XX/XXXX after not being contacted with any new information. This lack of information has been occurring throughout and I think that i have been very patient during this wait time. I am totally exhausted at this point. I asked for information on points of contact at XXXX XXXX XXXX, file number associated with this case and other information as I needed to be much more involved and explore other options. I spoke to someone in this office ( Consumer Financial Protection Bureau ) and told how to submit a complaint on line. If your office can help in any way, I will be most grateful. I was also told to contact the Georgia Bar Association to get the name of an attorney in my area. ( Note : I think the check may have been stolen from my mailbox but am not certain. I send checks from my rental property to my bank that was as well and this has never happened ). Needless to say, I don't put anything of value directly in my mailbox anymore. Thank you.

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 2021-07-14
Company: DISCOVER BANK
State: CA
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:
I used Discover card to purchase a XXXX  branded camera as advertised for {$59.00}. However, when I received the camera, it was a generic counterfeit product instead of the XXXX  brand. The selling website is a business located in XXXX with a warehouse in XXXX California. After trying to resolve the issue with the seller with no resolution, I reached out to the Discover card customer service to open a dispute. I have submitted the following proof to the discover card : 1. Screenshot of the website product display showing the XXXX  branded camera.

2. Photo of the actual product received showing not a XXXX  branded door camera.

3. Order comfirnation and correspondance with the seller showing the seller is unwilling to provide me with a return address or prepaid shipping label. And the " warning '' from the seller that I need to bare huge return shipping cost sending the product to an unknown destination. 
It took Discover card more than a month to process the dispute, during which time, I received just one email saying that they are still investigating. 
During the week of XX/XX/XXXX, they sent me a final decision that they can not dispute the charge because the seller showed proof that I authorized the purchase, so the purchase is valid. 
In my honest opinion, the seller was able to show that I make a purchase and they sent me something. But Discover card totally disregarded the documentation and evidence I submitted showing the different product I received and the unwillingness of the seller working with me to resolve the issue. In this case, Discover is the only party that can protect a consumer, however, they chose look the other way around so they can keep the merchant fee of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: MO
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:
I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: GMA Investments, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive asked repeatedly that Summit Receivables send me a written mail notification of my debt. They said they will email but not send me any written mail since it takes time they do not have. I told them I can not do anything without a written letter of my debt. They claim the email is enough and by law they dont have to send me anything.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-15
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was selling my property in XXXX and was supposed to have the closing on XX/XX/XXXX. Yesterday the buyer informed that he is walking away. There was an issue with appraisal where the appraiser selected wrong properties as comparibles, didnt do the adjustments properly and had arithmetic errors all resulting in an deflated value. That appraiser had 4 recent ethical violations on his record. The lender for the buyer was told to use last appraisal from XX/XX/2017 from prior deal that fell through, but since it was an FHA loan ( so is this ) they can use the same appraisal for up to 6 months. That XXXX appraisal done by another appraiser, was correct and free of errors with an appraised value of much, much higher than the one with errors. 
Now, the lender took no action, the buyer is annoyed, unwilling to go to another lender and is walking away. We all here understand the issue with the appraisal and the appraiser. 
Can we bring legal action against the lender - XXXX ( originating mortgages for XXXX XXXX XXXX ) for failing to abide to rules and regulations of FHA financing and failing to use the XXXX appraisal? They should know the rules that in FHA loan an appraisal stays with the house for 6 months regardless of the lender. It's obvious and clear on the appraisal they got from the latest appraiser that the adjustments are not done correctly, there are simple math errors, not to mention selecting wrong comparibles while right ones were available. The lender admits there are errors, sent it back to the same appraiser for corrections, but 2 weeks later no corrections were done and the same exact appraisal was sent back. The lender is not taking appropriate actions. 
Because of this lender I will lose the deal and money, and I already sold most of my furniture to have the house ready for closing in a week. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a United States citizen XXXX  at XXXX XXXX XXXX in XXXX my wife is an XXXX XXXX member of the United States XXXX. I arrived at XXXX in XX/XX/2021, and in XXXX arranged to purchase a car from a XXXX auto broker. 

I contacted Bank of America on XX/XX/XXXX to inquire about wiring the cars purchase price to the broker to complete my purchase, and was assured by the XXXX XXXX  customer service agent that, although the default limit for an international wire transfer was {$1000.00}, they would able to wire as much as {>= $1,000,000} ( which well exceeded the vehicles purchase price of approximately {$65000.00} ). After receiving the final invoice and payment instructions from the broker, I logged in to BofAs website to initiate the wire, but the website refused to allow a transfer above {$1000.00}. 

I contacted BofAs representatives again on XX/XX/XXXX, who then informed me that due to an ongoing change to their verification system, they would be unable to process the wire until at least the end of the month. They did note that they would be happy to verify and complete the transaction if I visited a BofA branch, but as the spouse of an American XXXX  XXXX  in XXXX, that is not a possibility for me. While some representatives were kind enough to escalate the situation to their superiors, those persons, when I was even able to reach them, refused to provide any solutions to allow me to wire my money. Furthermore, I was informed that I could not even make a domestic wire of greater than {$1000.00} had I not had a previously linked account with another financial institution, I would have had severely limited ability to withdraw nearly {$100000.00} I had in BofA accounts. 

To say this situation is absurd is an understatement the essence of a banks purpose is to move capital between persons that have capital and need it, and for BofA to take such a critical system offline defies logic and violates their fiduciary obligations. I understand and appreciate the need for proper verification of the person making a wire in order to prevent fraud and theft, but refusing a customer any means of verifying their identity in order to make a needed transaction in a timely fashion is comparable to theft in its own right. Furthermore, the utter disregard for American XXXX, their families, and other Americans unable to physically visit a branch is astounding.

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 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the FCRA and the FDCPA by law, XXXX, XXXX  and Transunion are supposed to report information accurately on our ( the consumers ) credit file.

I have already sent information to these creditors negating these accounts. It is imperative that the bureaus report information with accuracy, otherwise, they are reporting information that brings defamation to my name. 

XXXX XXXX : XXXX I've sent documentation to have this company prove and verify this account. At the bottom, you will see the documents I sent both of these fraudulent accounts. In addition, the last date of activity is showing three different months. There's no way to have a last date of activity to be three different months. 

XXXX XXXX : XXXX I've sent the save documents to this company as well to prove the information. To make it even worse, the information they're report isn't consistent. The balance reporting on XXXX  and Transunion are two different amounts.

According to the FCRA and the FDCPA, you are to report factual information. 
Remove these accounts immediately. 

Documents sent to both of these companies for them to prove the debt : - RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE

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 2018-05-15
Company: GreenPath, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I started using Greenpath services in XX/XX/2016. I spoke with a representative ( XXXX XXXX ), and she went over everything on my credit report and told me they would reach out to each one of my creditors and get an agreed amount that they would pay each month. I informed her that I get paid on the XX/XX/XXXX of each month, and that's when they could take my payments. At no time did she or anyone else tell me that because my husband and I signed on together that they would pay his debts with my payments. My husband had his set amount coming out of the account at a different date. 
I started noticing calls and late payments on all my accounts and I couldn't understand because I was paying, so I thought my creditors had it wrong. A few months later I was still receiving calls, and I decided to give greenpath a call. They informed me that because my husband missed his payment, that my money went to his bills and not mine!!! No one ever informed me that this was happening. They then told me I would need to separate my account from his, which I did. That still has not stopped me from getting all of these late payments on my credit. I'm attaching all documents I signed with them as well as proof of me paying every single month on time. I've never had any late payments on my credit, and now my credit is ruined. My good credit is needed to keep my security clearance at work and I explained all of this before I started with them. Greenpath really needs to fix this mistake and remove any late payments on my credit reports from XX/XX/2016 to current. I'm in no way at fault for my credit being ruined, and this has affected me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 ; I sent a letter certified to the collection agency informing them that I was requesting Validation and Proof id Claim for an account that was being reported on my credit reports. I received the certified card back on XX/XX/2020 with a signature that my letter had been received. On XX/XX/2020 ; I received my XXXX  credit report and the account had been deleted yet it still remains on my XXXX  and XXXX   credit reports. I am again requesting this collection agency send documentation to have this account deleted from my XXXX  and XXXX  credit reports ASAP and also provide me with the documentation that this has been done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation