BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX, I wired coinbase {$9000.00} to be credited to my virtual currency account on XXXX. At the time of the wire the company coinbase said it was a 2 to 3 DAY DELAY for Incoming wires to be credited to accounts. After waiting several days ( 10 ) I contacted the company via their support services online and requested an answer to where my funds were. Coinbase gave me a generic response telling me to wait more. I then called them a few days later and the customer service rep told me they never received any wire under my name and that my issue would be escalated to priority and solved within the next 2 days. When they told me he could not find my wire l, I called their Bank to confirm they received my money and their Bank which is the XXXX bank in New York confirmed coinbase received my money on XXXX XXXX, XXXX, one day after I wired it. With this information I then contacted coinbase several times through their email support, on social media and by phone again, always being told it 's going to be escalated. It has been over 23 days, coinbase refuses to tell me why my money is not being credited or returned and why they lied about their promise time of 2 to 3 days. Because of this I have lost opportunities to invest and they are holding my funds without any say from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: MONEY SOURCE, INC., THE
State: CO
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:
I have a 30 year conventional loan with XXXX that was sold to The Money Source without my permission or knowledge in 2017. I was just turned down on a land loan because the Money Source reports my mortgage as revolving credit so my credit rating is wrongfully lowered so to the balance to value ratio. The money source claims its industry standard to report a manufactured home as 17 but my home has been purged and permanently affixed to my 7 acres.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Novad Management Consulting LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My reverse mortgage has been sold, as a result I am unable to draw funds from it since I have no information of how to do so. I have received statements from Novad informing of the sale but have been unable to obtain information other than that it was sold to XXXX whoever they are. Novd has a recorded message on third system stating that the note was sold on XX/XX/XXXX. I have not heard from them resulting in a financial hardship as I depend on this money to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX calls repeatedly from early morning to late evening. I simply hang up now. I now send only a low basic amount since them continue to call.

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Transunion is deliberately reporting incorrect information which is causing my score to display as inaccurate. A collection account should be deleted as the collection agency and original debtor has deleted the reporting. I disputed this information and it was removed correctly by XXXX but transunion is still reporting the incorrect information. I have no accounts in collections.

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 2018-01-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have two accounts with Td. They are both being closed. I have been a customer for 8 years. I asked corporate i I can send wires international. They said i can send as many as I want. 
I had recieved two wires in XXXX.. A {$3000.00}, {$1800.00} wire. They were put into my account before XXXX XXXX and taken out of my account. XXXX XXXX said they were handling it. My attorney called twice he never got a call back. They belong to XXXX and XXXX told me to have them call him. He does n't return their calls. He then intimadated me yesterday XXXX XXXX. He said to stop calling the branch managers and said have their banks call him in an aggressive tone of voice. Which they did. He does n't call them back or return their money. Professionally he should have reversed the money already. It 's been four weeks and both wires are missing and not returned. TD corporate said XXXX XXXX of XXXX XXXX has all the control. Good customer is not going on. I should not have to chase this guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Experian Information Solutions Inc.
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:
Experience is reporting a negative account on my credit file/report that does n't or belong to me. I have requested removal of the account for over a year and they have not properly addressed or resolved this issue at hand. This account and balance do no belong to me and is gristly affecting me and my credit scor in a negative way

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 2018-01-09
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: IL
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 called the XXXX, Experian and XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts listed below on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$130.00}

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 2021-02-14
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, a collections item from National Credit Adjusters appeared on my credit report then disappeared. Then this month ( XX/XX/XXXX ), the same collections account re-appeared on my report with a date of XX/XX/XXXX. I filed a dispute with XXXX. I have not received as of today XX/XX/XXXX, any written notification of this collections account I supposed owe. My XXXX credit report shows that this is of Account Type " Factoring Company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: World Acceptance Corporation
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: United Shore Financial Services, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home before selling my old home. I went through XXXX XXXX, XXXX XXXX Mortgage Advisor. He recommended XXXX XXXX XXXX as the lender because they offer a 'recast ' product which allows me to apply the proceeds of the sale of my first home, and it will lower my monthly payments as opposed to just applying it to the principal and keeping the same high payments. We closed on the new home XX/XX/19 and sold our original home XX/XX/19. On XX/XX/19, I called XXXX XXXX XXXX to start the recast process. When I called, I was told I had to email them, so I emailed them that night with all my information. This included the account number, my contact info, and how much I wanted to put on the mortgage. I received an auto reply, so never opened the email until XX/XX/19. As I scrolled down, I read they were asking for all the info I had already sent them. I replied to that email and repeated the information which was in the earlier email. I heard back on XX/XX/19, in a confidential document that I had to sign in for, only to read that they could not start the process because my loan was getting sold. I had to apply again after XX/XX/XXXX. XXXX XXXX had said the process takes 60-90 days, so now I have to wait until XX/XX/XXXXto apply again to start the process! I feel this is a scam and a way for them to keep getting high interest payments from me. I contacted XXXX at XXXX, and he contacted them to see who it is getting sold to. I'm in fear then ew company wont allow recasting! It hasnt evenbeen assigned yet, it's only in the process of getting sold. This is another reason why I dont understand why they can't allow me to recast now. Please advise asap, time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX is reporting on all 3 credit bureaus as a negative debt. I sent a letter to national credit systems to verify the account on XX/XX/2017 and the has not validated the account nor verified the account. I would like the following to be verified. *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Provide a verification or copy of any judgment if applicable ; *Identify the original creditor ; *Prove the Statute of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; and *Provide me with your license numbers and Registered Agent. If National Credit Systems offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Thank You,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This has been ongoing situation since XXXX. I have a direct student loan from attending XXXX XXXX which I have been paying 2x monthly but none of those payments are being applied. 

I also have a XXXX XXXX loan I have been payment with the same frequency and amount while I was attending XXXX XXXX. All of my payments have been going to XXXX XXXX none of the payments designated for my direct loan have been applied to to my direct direct loan. 

This amounts paid toward direct loan are 1- 1 1/2x the monthly minimum payments that should have my direct loan ahead/current. This is not the case. It has me as 6 months delinquent with added late fees. 

So because of this my credit report show me delinquent on both XXXX XXXX XXXX with increase to both loans with interest/late fees applied to both. 

Navient can not offer my an explanation as to why despite different account numbers all payments are only being applied to one loan I have been making these payment electronically via bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: FB FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is through First Bank Mortgage. We received notice that effective XX/XX/XXXX, the loan was being sold to XXXX XXXX XXXX. The XX/XX/XXXX payment was paid through autodraft on XXXX. The amount paid was {$2600.00} ( {$2200.00} regular payment + {$400.00} extra to principal ). On XX/XX/XXXX, First Bank reversed this payment ( labeled as " misapplied funds '' ), as well as one other payment from XX/XX/XXXX ( {$160.00} ) which was an extra to principal payment. I called and asked for an explanation and was told it was due to the XX/XX/XXXX transfer. On XX/XX/XXXX, I received a statement from the new servicer ( XXXX XXXX XXXX ) and noticed that the outstanding principal balance was {$2500.00} higher than the balance shown on the First Bank statement that was issued after the XX/XX/XXXX payment. On XX/XX/XXXX, I called First Bank to ask why the XX/XX/XXXX payment and XX/XX/XXXX payments were reversed, and they had no explanation. On XX/XX/XXXX, they applied {$2200.00} from the XX/XX/XXXX payment, but the two extra principal payments of {$400.00} and {$160.00} were not applied to the outstanding principal. I have spent several hours on the phone with First Bank trying to resolve this and no one seems to understand what happened. 
FYI, the XX/XX/XXXX payment that is shown on the attachment is NOT a new payment. This is the XXXX payment that are now applying on XXXX. The XX/XX/XXXX payment was made to XXXX XXXX XXXX, the new servicer.

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 2021-09-13
Company: PNC Bank N.A.
State: FL
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:
On XXXX I noticed that my credit card payment was for the full amount of over {$2500.00} when I ment to do {$500.00}. I got a confirmation number XXXX and was told 3 business days. It was not resolved and I was told Thursday at XXXX CST and nothing. Same promise on Friday. I called Friday evening and supervisor XXXX said nothing was done or expedited. I called Saturday and they said Monday. Here we are XX/XX/2021 which is 6 business days later and 10 days incl weekends and they said 4 business days. My account is negative and needs resolved and they refuse to help. They are giving me misleading and false information to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has refused to provide me with monthly billing statements for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I have requested these documents over 5 times and have been denied. I request that Chase does not send me copies of the contract or deed or mortgage papers. I have a dispute with the way the account billing and accounting was handled. I also request copies of the loan modification application and payment statements. I request copies of all check Chase payment refunded/issued to me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX concerning this account. The account and servicing records are not and accurate Chase keeps avoiding my request according the the Federal Respa Laws and Dodd Frank Regulation X governance. I want copies of all documents sent within 7-10 business days of this notice- Please do not contact me by phone and send requested documents by their should be no delays or questions needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, my cash app debit card number was used in various parts of the world most transactions declined, however one transaction for {$120.00} was successful in XXXX. I immediately contacted Cash App support that same day on XX/XX/XXXX. I was told it could take 45 days in to be on the lookout from customer service reaching out via email for more information. None of that has happened since, and I still have not received my money that the scammers stole from my account. I have contacted Cash App twice since then, today XX/XX/2022, being the latest and every time I reach out to customer service, they say it will take 45 more days and that I will receive an email and maybe I should double check my email next time. This application is fraudulent and does not protect users by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Lending Club Corp
State: MI
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:
I have a loan with lending club and have been paying on it regularly on time and I have had open since XX/XX/2016. I had automatic payments set up on this account since starting. In XXXX I received notice that my account was more than 90 days late. I made contact with Lending Club and they apologize for the error only to report me late AGAIN in the XXXX when my account is current, showing me 120 days late. I have spoken with multiple representatives who have all given me different answer to when this issue will be fixed and also were very rude and disrespectful. I will also be submitting a compliant with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX XXXX Store Card account that was charged off. I spoke with XXXX XXXX in XX/XX/XXXX and agreed to a settlement of {$770.00} to be paid by XX/XX/XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XX/XX/XXXX. On or around XX/XX/XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter. 

On XXXX XXXX, XXXX I contact XXXX XXXX again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX send me a letter confirming this agreement and again raised concerns about not receiving it the previous time. 

I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX  indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX XXXX  misleading actions.

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