BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2019 I initiated an ACH transfer to Coinbase since my only given was the ACH. 
I purchased XXXX dollars so I can exchange it to digital currency. 
After the purchase according to the agreement the funds to be ready within 3-5 days and after were cleared and in the history section it will show complete in green. 
I then waited and then when I checked my account the statement stated the transaction was complete. When I went to send the money out much to my surprise my account was a XXXX balance available to move. And I had a waiting period of 17 days before I can move or send money. 
This was not disclosed otherwise I would never have done it. 
I opened my account I went through various steps of identification. They validated my bank and debit card digitly and then I had to wait due to making sure than they were protecting me from fraud. I have a question if money was ached and then cleared there is no reason to protect my currency. Everything went fine. After much research i found out this happens to many many clients. Some never get their monies back. This is a scam and as a US based company it is a shame and a crime to nor have full transparency and disclosure policies.. The coustumer service is not helpful. Email goes to a deaf ear. It always is the same response to go and see question and answer pages. The company does not specify the holding time. Till your purchase is complete then it shows that your funds will be on hold for certain days. 
They claim during the purchase it show the waiting but that is a lie and a misleading statement they try to confuse you and they do a great job. After all they have been practicing this unethical act for years. 
I want accountability. They need be forth coming with their policies. They may not publish a partial part of their polices and expect us to read between the line. I have XXXX dollars as of now and it will fluctuate on the next few days. 
Their terms should be visible requiring a digital signature and then maybe the consumer will choose not to sign up. They state that the personal information is not shared. Another lie. They track your spending which is a violation This is a platform only that states the owner of the account has complete power over their wallet. 
Then why is my urgency held hostage? I like to see companies to take accountability and the greed not to take over. 
My research of various sites such as FTc has indicated that this is done to gain interest while holding the currency. So if you are going to take money from me at least admit it and take accountability and donr act life a coward all my 12 plus emails have gone to deaf ears. They do not give you a choice but the ACH which they know they can hold the funds this is unethical/ criminal and needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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: Personal information incorrect

Complaint:
I have fallen victim of identity theft due to the 2017 Equifax breach that took place. I would like my credit report to be restored.

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 2018-03-14
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage loan was transferred from XXXX XXXX to Specialized Loan Servicing. On XX/XX/2017 I made my first payment to SLS. Since then, they have not reported to the credit bureaus that I am a customer of theirs. I called them on several different occasions. They gave me a diffrerent answer to this problem each time. Ultimately, they said that they do not report until after the initial 60 days following servicing transfer of the account. Well, the first time I called it was within this window, so I waited. Each time I called after that they assured me that they would report and did not. I am currently shopping around for mortgage loans and by them not reporting, this negatively affected my credit report. When you pull both mine and my ex wife 's, who is also on the loan, credit report it shows no account for SLS. Just the closed account from XXXX XXXX. This is also negatively affecting my ex wife 's credit as well. It has been over 2 months since the initial 60 days have passed and they still have not reported us as their customers. All I want them to do is report our account to the credit bureaus, but they seemingly are refusing to do this either to incompetence or maliciousness. I have no doubt that if I missed a payment or stopped paying them, that they would report with haste.

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 2021-04-10
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a previous complaint on XX/XX/18 stating all the previous information : Complaint # XXXX about SPECIALIZED LOAN SERVICING LLC. 

I have asked since XXXX for a postponement to get the review and assistance from the Mortgage company and to work with XXXX XXXX XXXX XXXX. They have been not giving answers and keep saying they can not postpone the foreclosure. This is a false statement according to New Jersey Statute NJSA 2A:17-36. Adjournments of sale of real estate.

NJSA 2A:17-36. Adjournments of sale of real estate provides that a sheriff or other officer selling real estate by virtue of an execution may make two adjournments of the sale, and no more, to any time, not exceeding 14 calendar days for each adjournment. However, a court of competent jurisdiction may, for cause, order further adjournments.

In New Jersey, a Sheriffs sale of a foreclosure property can be adjourned ( fancy for postponed ) twice by the Sheriff at the request of the homeowner for any reason. Each of these adjournment shall be for not more than 14 days. The lender may request an adjournment as many times as it wants without reason. Once the two free adjournments have been exhausted, the homeowner may apply to the Court by Motion for further adjournments provided good cause has been shown to the Court.

For assistance in obtaining an adjournment of a sheriffs sale of a foreclosure home, contact your local Sheriff department or a qualified NJ foreclosure lawyer in New Jersey.

I wanted them to postpone to review my file to see that I can make the mortgage payments and we can come to a solution for the back payments owed. 

I need for them to postpone as I never received documentation on a foreclosure fromt he Sheriffs office and I had the Urban League not do anything in XXXX and this is why I am beyond the 37 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
while living at my dad 's house, my dad had rented a room to XXXX XXXX, I don't know much about her excepat she came from Michigan and she leaving to go in XXXX CA. She had accessed my room to my information, my accounts and opened up several credit cards. She also had access to mail box. I noticed everything after i ordered my credit report. I notified every one and I file police report also identity theft.gov i filed. Now every body says its over year you have to pay for charges how is that possible? i be responsible all this money? 
Sychrony Bank : - XXXX credit card - Gap Card - TJX Reward car - Banana Republic card All with sychrony bank, the investigation was done by the bank and i was notified by letter from the bank.

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 2021-08-05
Company: EQUIFAX, INC.
State: UT
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 been disputing accounts with the bureaus and have received nothing. There have been no updates or letters. I have items that are inaccurate and must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am living outside of the US and filed an application to switch to an income driven repayment plan for my US federal student loans. Since I am not federally required to pay income taxes in the US, I had to file by downloading and sending a PDF copy of the application form through my Navient account mailbox.

I filed this form three times - once in XXXX, again in XXXX and for a third and time in XXXX. In XXXX the application was rejected due to a missing signature, and in XXXX it was not accepted because I needed to attach a note on currency exchange rates ). In XXXX - after checking several times with customer service representatives that the documentation was in order - I called to confirm that my third application was being processed. The automated Navient system told me that it was in progress. 

At the end of XXXX I received a payment due notice, but my plan had not been adjusted. So, I called Navient again. This time I was told that my application was rejected because I was using an old application form which had been out of use for a year. This was not flagged to me previously and it took Navient nearly three months to alert me to the issue after my third application was filed. Now, after nearly six months of forbearance while waiting for the request to be processed, my loans have come current, with capitalized interest on top of the original loan amount. I now have to file again, and wait another 30 days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
improper access to 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 2022-01-08
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 have previously disputed with transunion, XXXX and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2020-05-04
Company: Selene Holdings LLC
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: Account information incorrect

Complaint:
I filed a credit dispute on XX/XX/20 with XXXX  regarding Selene Finance. I have never had a mortgage or signed/agreed with Selene Finance for the said amount. All XXXX  did was investigate for one day and updated nothing. The entire information is incorrect the amount is well over the mortgage for the home that I showed proof of. They gave an automatic response without looking into this. I believe its mortgage fraud showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Navient Solutions, LLC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Department of Navinet continues to report inaccurately. According to XXXX  Navient, account number beginning with XXXX reports to all three credit bureaus 35 late payments which are incorrect. The account inaccurate reporting is affecting my credit worthiness along with my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: U.S. BANCORP
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:
Hello, This is XXXX XXXX. I have been trying to resolve inaccurate credit reporting for over 6 months. I have talked to XXXX XXXX XXXX, Elan Financial Services/ XXXX XXXX , XXXX  , and XXXX  to update a late payment alert on my account. I have resolved the issue with my bank and financial company, but the both XXXX  and XXXX  have refused to assist me with this issue. I have filed over 5 disputes over this issue and this still has not been resolved. I plan on purchasing a home in the next year or two and it is crucial that this gets fixed. Please assist with this issue as soon as possible. 

Best, 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 2021-10-12
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given this gift card for helping a friend make a marketing video for her business. I have attempted to register the card multiple times and it seems to be impossible. Their website ( https : //www.giftcardmall.com/ ) doesn't allow registration and the phone number on the card ( XXXX ) simply refers you to the website. 

I checked the ratings for this company and they appear to be a scam. 

Blackhawk Network ATTN : Customer Service XXXX XXXX XXXX XXXX . XXXX XXXX, NV XXXX Issuing Statement for Card : The Visa Gift Card is issued by XXXX, XXXX, Member FDIC or XXXX XXXX, XXXX, XXXX XXXX, MN XXXX, Member FDIC, pursuant to a license from Visa XXXX XXXX. Please see back of card for Issuer. Your card may be used in the United States everywhere Visa debit cards are accepted. The card may not be used at any merchant, including Internet and mail or telephone order merchants, outside of the U.S. or the District of Columbia. See Cardholder Agreement for complete details. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. Distributed and serviced by Blackhawk Network California , Inc. 

2020 Blackhawk Network , Inc. All rights reserved. Trademarks shown are property of their respective owners and used with permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I wasn't told the amount of my monthly mortgage payments until the day of settlement, before settlement I kept asking how much my monthly payments would be I wanted to be certain if I I could afford to pay. I was told that my monthly payments was what I wanted them, okay I trusted wells Fargo and XXXXXXXX XXXX that they did have my monthly payments around where I told them I could afford to pay and it was nowhere near what I had said they were in which I knew this amount {$1000.00} per month would be a struggle. This has taught me to never trust anyone when it comes to your finances because it is all about a dollar not fairness. 
On XX/XX/XXXX, I purchased a modular home land package from XXXXXXXX XXXX   in which wells Fargo was the service lender. Wells Fargo based my sole income on overtime in which months later I lost my overtime I applied for a modification for lesser monthly payments I was denied immediately. At this point my income became less than what I was paying for my home. In XX/XX/XXXX, my doctor took me out of work due to medical reasons. In XXXX, I had to resign my job because of medical reasons. As I was trying to modify my loan at that point. I understood I couldn't get a modification due to not having income. As my house has gone on the foreclosure list many times at one point we had mediation due to no income the issue wasn't resolved. In XXXX, I finally received my Social Security XXXX so therefore, I now had income but wells Fargo denied my modification. As my housing counselor was scrutinizing my loan information he informed me due to the income I was making per month that it looked like PREDATORY LENDING to him he asked a question was my gross per month {$3000.00} or more at the time of the loan process I informed him NEVER he specifically stated to me that I should have never been in this loan as he was a former Attorney. I have had to file Bankrutcy twice in order to keep my house. Wells Fargo is being deceptive as they will not let me in the door to modify my home. I am going to the extreme to expose them for the Fraudulent acts they have done and is doing and in the mean time trying to save my home. Again this is not a stick built home it is a manufactured home.

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 2022-08-12
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$55000.00}, {$28000.00}, {$5900.00}, {$24000.00}, {$9900.00}, {$0.00}, {$0.00}, {$0.00}, {$15000.00}, {$1600.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with balance of {$55000.00} -This is not my account. 











XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with balance of {$28000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5900.00} -This is not my account. 



-- PERSONAL LOANS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$24000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$9900.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account. 















-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$1600.00} -This is not my account.

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