BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Winklevoss Exchange LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Gemini Trust Company , LLC has been withholding my cryptocurrency for over 2 months. They said it was security hold and I have verified everything with them but they have not respond back. My ticket is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a phone call from someone stating that there was a suspicious charge on my Amazon account.They said that someone had charged a new XXXX  to my account in the amount of {$1400.00}. I checked with Amazon and no charge had been made. When I asked the individual on the phone if this was really Amazon they hung up. 
The call was from XXXX XXXX XXXX XXXX. My phone stated it was from XXXX, California.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted all 3 credit bureaus a few months ago and requested that the incorrect information be removed from my credit report immediately but they never removed the items

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 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Capital one, the debt was a charge off effectively terminating any contract that was there. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: OH
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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX 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 2015-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I 've realized that credit card debt has caught up with me. I am not a big spender but have been paying interest rates that seem to cancel out my regular payments. I have been with Wells Fargo for eight years and the card with one of the highest interest rates I have is theirs. I went to the bank to discuss a low interest loan to help pay it off ( they were advertising a low interest loan ). They chatted me around the block and it is now almost two week and I have not heard anything back about approval. I am now sure that I am not approved. They have taken a ton of money from me on that card and consider me a valued customer ... I guess except when I no longer want to be a cash cow for them. I realize this is my error but one would expect better treatment from a company I have had a long relationship with. Can anything be done? I was not able to upload documents on this site. I can tell you that, although I 've used this card infrequently, the interest in 2015 alone is {$720.00} and counting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
*THIS IS A XXXX REQUEST FOR THIS INFORMATION**DO NOT REDIRECT THIS REQUEST TO WELLS FARGO AS THEY INSTRUCTED US THAT ONLY XXXX XXXX CORPORATE TRUST DEPARTMENT WOULD HAVE THE INFORMATION WE ARE REQUESTING. 
XXXX CORPORATE TRUST DEPARTMENT HAS PROVIDED US WITH THIS INFORMATION PREVIOUSLY VIA EMAILS AND DOCUMENT VIA REGULAR MAIL. 

WE SIMPLY WANT XXXX XXXX XXXX XXXX DEPARTMENT TO CONFIRM THAT OUR MORTGAGE ( XXXX / XXXX - XXXX XXXX XXXX, XXXX NECK, NJ XXXX ) WAS REPURCHASED IN XXXX OF 2009 BY WELLS FARGO FROM XXXX XXXX XXXX A CUSIP - XXXX. WE HAVE OBTAINED THIS REPURCHASE INFORMATION DIRECTLY FROM THE XXXX CORPORATE TRUST DEPARTMENT VIA EMAIL AND REGULAR MAIL AND WANT IT CONFIRMED HERE IN ORDER TO FOREGO SUBPOENA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to put a security freeze on my credit reports with Trans Union. I spent all day - well, 2 hours + - and was finally told they would not assist me. I have free TU credit monitoring for a breach last year ( or early 2017 ) with a XXXX XXXX Credit Card, and I have an account at TU for the credit monitoring because of the breech and I have been receiving regular TU email reports for the past 8 or 9 months. I called TU and, after being cut off several times when holding for a representative at TU, and finally being connected to a poor English speaker who asked me for SSAN, DOB, address and such, when she asked my mother 's middle name and I gave it to her, she said she could not assist me. ( I feel there was a language issue ... the representative had poor language skills. When I asked to speak to a supervisor, she told me to hold, and I was simply cut off. ) I intend to keep trying, but today, this was simply an unacceptable experience and a waste of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020 Dear CFPB colleages, My husband and I recently refinanced our home with Navy Federal Credit Union. We closed on our refinance on XX/XX/2020. On XX/XX/2020 we receieved a letter from NFCU indicating that NFCU had completed a post-closing review of the final Closing Disclosure of our Loan ( Loan No. XXXX ) according to RESPA compliance. Noted in the revised Closing Disclsure ( date XX/XX/2020 ) NFCU indcated that {$1000.00} of LENDER CREDITS EXCEEDED the legal limits an dthat our cash to close should be {$1000.00} more that what we received at our closing on XX/XX/2020. I have tried to call the telephone number in the XX/XX/2020 letter for over one month and I have also sent numerous emails to NFCU and have never received a response nor a call back to explain the {$1000.00} charge which exceeded the legal limit. 

Thank you very much. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Cell : ( XXXX ) XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loans were transferred to Nelnet on XX/XX/XXXX.

My monthly payments immediately increased by {$300.00} even though I was still in an IBR repayment plan ( re-certification was due at the end of  XX/XX/XXXX ). Nelnet instructed me to submit a request to have my IBR plan recalculated immediately, because the IBR plan with my prior servicer was supposedly not available with Nelnet. Nelnet informed me that the review process could take 3-4 weeks. 

On XX/XX/XXXX, I submitted a complete package to XXXX XXXX and Nelnet. 

On XX/XX/XXXX, XXXX XXXX approved the request without requesting any additional information. 

On XX/XX/XXXX, Nelnet informed me that my application can not be processed because the " because the signature on the application was not a valid electronic signature. '' This statement is patently false because Nelnet accepts electronic application submitted through StudentLoans.gov, which would be electronically signed. Moreover, the IDR plan request does not prohibit electronic signatures or require a wet ink signature. 

Nelnet is deliberately delaying the re-certification process to cause borrowers to make a higher monthly payment and to generate fees via forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been calling and corresponding with this company for more than six months to complain that they have incorrectly charged me late charges and accumulated interest charges. On at least four occasions their employees have assured me the charges would be credited or voided, reducing that balance owing to XXXX. Nevertheless, they keep sending me statements showing that charges continue to accumulate. A copy of the latest billing statement dated XX/XX/18 is attached as is a copy of my last written communication dated 6/29/18 as well as my letter of XX/XX/18.

My last call to Citi was on XX/XX/18. The employee I spoke with said her name was XXXX, her " employee number '' was XXXX and she worked in the Escalation and Forbearance Dept. She again assured me the account balance would be reduced to XXXX  and that no more bills or collection calls would be made. Obviously that was a misrepresentation as they are continuing to bill me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07
Company: Aspen Yo LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I been with Gregory Funding for more than a year now I am XXXX living with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and much much more Pain Daily! I was told the home insurance will be removed from mortgage so it was I asked Gregory Funding will they refinance me they said I had to find someone else so I set out since XX/XX/XXXX it's now XX/XX/XXXX XXXX XXXX have Approved me I received a telephone call saying Gregory Funding said you are 30 days late every month, since I been with Gregory Funding they have and all the Creditors know Social Security sends payment Every XXXX Wednesday of Each month only. So I am O. AUTOPAY my Bank even knows I am on AUTOPAY, for i I might be in hospital at times and payment only every XXXX Wednesday of the month the Agent put a payment in too early which caused payment to go off track but I was paying extra money to catch up XXXX XXXX need a letter stating that I don't be 30 days late with payment to continue with the refinance, however Gregory Funding don't seems to want to work with them the entire loan will be paid It's not fair to loose this Loan in 3 days that was so very hard fatigue frustrating painful every day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
I was denied credit from XXXX ( XXXX XXXX ) on XX/XX/2018. They used Equifax 's credit report. I then logged into Equifax website to obtain my credit report for being denied credit. 

1. ) I entered the info requested by equifax at : https : //aa.econsumer.equifax.com/aad/landing.ehtml 2.  ) Received a prompt that I will receive an email with further instructions, which I did with the following link provided by equifax : Use the link below to login now because the " status of my requested report failed. '' http : //myservices.equifax.com/AAD_dashboard Your product is ready to use right now. 

Your order transaction number is XXXX and username is XXXX. You will use this username and the password that you created at registration to login and view your products. Be sure to keep this information in a safe place for future visits to the XXXX XXXX. 

After you log in you can : - View your current product ( s ) and features - Edit your profile, including Username, Password and e-mail address - Access educational information and utilize easy to use financial tools Thank you for your order. We look forward to serving you in the future. 

Your Equifax Customer Care Team Copyright Equifax 2018 | Privacy Policy | Terms of Use | FCRA 3. ) Once I log into their website following the above link, the only options are to PURCHASE they reporting products. Nowhere can I find a resource to get my credit report from the " failure '' or even an option to speak to someone. The 800 number provided is 100 % automated and speaking to a person is not an option. 

My issue is : I am entitled to my credit report WITHOUT unnecessary burdens in place. Please investigate this matter further. It should not be this difficult to obtain information. Also, they circles Equifax puts you in gives you no choice but to purchase their products. This is unethical and taking advantage of people. Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In late XX/XX/XXXX I got a letter in the mail to open account with them and get {$200.00} if I do a direct deposit and maintain a minimum balance. I had my check going into 2 banks already I added them in for {$200.00} to start with. It takes two 14day cycles to see your action. I month and a half I tried to log in and I could not because of the demands they ask to you put this and that before they will talk to you. With difficulty to get to talk to them or been able to log in. I was very much discouraged to make contact. Bank location was 10-15 miles from my home. I let it go since this account was meant to save only. I never withdrew any thing during its life. 

Some how I got into the account 2 months later and checked that the deposit was in. I increased to $ 1000+ a check. Then I left it alone till now when it has 32000 in it. When looked at it after that long they have charged me {$50.00} times 2 for low balance as maintenance fee when i did not have any activity in my account. I have never withdrawn from XX/XX/XXXX to XX/XX/XXXX. I asked them to at least refund my {$100.00} fee if they are not going to give me {$200.00} gift they were going to give. 

On XX/XX/XXXX I called and I was promised some one will call me back. I waited till Wednesday, Still no call back but I called they again took the message. Today XX/XX/XXXX, I called again and held on phone for 32 minutes and they still say that they cant help me. They call themselves privileged team for privileged accounts. 

I am going to the branch and close the account by XXXX today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is ALLIED INERSTATE LLC ACCT. XXXX has sent a debt collection letter that I do not recognize. I am disputing this under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ALLIED INERSTATE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ALLIED INERSTATE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ALLIED INERSTATE LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ALLIED INERSTATE LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ALLIED INERSTATE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2022-11-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase complaint. ( Case XXXX ) On XX/XX/XXXX a deposit of XXXX euro was made on my coinbase acount. 
When I tried to withdraw it it appeared my account was blocked and I was not able to withdraw. 
A few days later the XXXX euro was gone from my account. 
When I contacted Coinbase they said they can do nothing to restore it and the did not want to give the reason why. 
So my conclusion is that their software is no good or they just stole my money. 
I have in my posession the recording of the telephone call with the person who made the deposit and the screenshot of the moment the XXXX euro was still on my account. 
I hope you can help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: National Account Systems of Omaha, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Account Systems has been notified that this debt they are trying to collect on is a result of ID theft. They have however, even after receiving a copy of the police report and a dispute from the Credit Report Agencies, refused to remove the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion is inaccurately reporting public records on my file and they stated there method of verification is through court records..

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 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, I am contacting you because my wife ( who passed away in XXXX ) had a capital one card/acct. and it was closed or so I thought. The account was left open after they were contacted and all the bills were fraud and ran up. I had contacted them long ago and told them. Also, in XXXX XXXX I was in a very bad accident and SSI has found me to be XXXX. I told Capital One this and they ignored me. I want this debt wiped off. Beside the fact it was my wifes card, it was fraud AND I am XXXX. They have destroyed my credit at a time when I need it being off work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage thru guaranteed Rate and made my first two mortgage payments to them ( XXXX & XXXX ), then NewRez purchased the loan and immediately stated I was behind in payments. I provided them the documentation of proof ( See attached files ), but they say their still looking into it four month later, and now are hitting me with late fees, and are threating to impact my credit and or take my house. I should not have to be intimidated, since I have completed all that is required from me. my loan # is XXXX with New Rez XXXX. 
I have called and spoke with them multiple times the last 4 months, and they keep saying they are looking into it. How long do I have to live under their threats and intimidation, and now " Late Fee 's ''.

Company response to consumer: Closed with explanation