BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I started investing into crypto currencies with Coinbase. I've put in a couple of thousand dollars into the account and bought some cryptocurrencies. One day they decided to lock my account. That was back in XX/XX/2017. Upon sending multiple emails, they continued to ignore me until XXXX where they finally asked me to submit my ID which I had done upon opening the account. 

I resubmitted everything and could see that they have picked up the files and I continued to follow up as the reason why my account was locked was never given to me. 

To my delight I found out that they have established a call centre. I took the action to follow up through their call centre only to be abused because they couldn't tell me anything other than someone is working on it. You can imagine how upset I must have been. They basically scammed me out of my account and will not give me access or provide reasons whatsoever! 

It is now coming to the end of XXXX and I have lost all these opportunities to trade. I don't even know where my money is right now they would not even confirm my account balance. What sort of a financial institution is this? Please help me get my funds back!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over 10 years old with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on the road I monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in Wells Fargo who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range. 
Late XXXX I was home and read the letter. I took my information and made an appointment with the local Wells Fargo branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as one complete student loan. So I called XXXX and found out that in XXXX wells Fargo XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!

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 2018-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 XX/XX/XXXX I received an email saying, Thank You for your payment of {$1400.00} for acct # XXXX. ( this is not my acct # ) I immediately logged into my acct # XXXX, and changed my password and deleted the pending payment from my bank acct. I kept an eye on both accts to make sure it did not go thru. then I get an email saying my new card has shipped, and I was charged {$16.00} for it. then I noticed my account has been " restricted ''. I then called Capital One Customer Service she was of no help, she just kept telling me I need to call their fraud dept. and she gave me another number to call for their fraud department. They too, were of no help. he refused to tell me anything except that there is some fraud activity and they are sending me a new card. I said I have the right to know what is going on and I should not be charged for a new card. and he just kept saying there is fraudulent activity on my acct. to this day, XX/XX/XXXX, I still do not have any new card and I am still making online payments but it is to acct # XXXX, not the card I have in my wallet # XXXX. I am asking for help in this matter. I am making my payments to an account that I do not have a card for. they changed my account # without my permission. I don't know how to fix this. I also need a credit of {$16.00} to my acct and remove the restriction from it with an explanation of what kind of fraud activity they found.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
On XX/XX/2016 someone applied for credit with XXXX without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX wants to collect on a private student loan that is past the statue of limitation. They informed me that the original loan was {$33000.00} is currently {$49000.00} after 9 years of interest. They originally offered a {$29000.00} pay off in a letter received 2 days prior to a phone call. During the call I informed them that the debt was not on any credit report and was told that was do to it being a private loan and offered a one time payment of {$10000.00} with $ 800 monthly payments for 2 years. After informing the caller that I needed time to look into the claim, the offer was to settle for {$17000.00} if I could get a loan from a bank or credit union or to start a small monthly payment that I could afford with the first payment being made over the phone. I asked for verification of the loans history and told them that I could not make a decision as how to proceed until I had more 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 explanation
Consumer complaint received 2018-05-24
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a collection letter from alltran financial stating that I owe {$860.00} to XXXX XXXX. I have verified that I do not owe XXXX XXXX   anything. 

I did ask alltran financial for verification of the debt but they refused unless I verify my social security number and other personal information. ( I will not provide any information of that nature over the phone ) I Am also looking into litigation against them as it feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclays closed my XXXX Rewards card out of the blue. I had paid the annual fee of {$89.00} several months before closure and now I can not reap the rewards of this annual-fee credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Collection Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested number of times that they produce proper documentation and all Im told is just pay. I have also asked for an investigation and it is not being complied with under the fcca.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Academy Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Academy Mortgage caused me and my family a serious series of nightmares, one after next! 
The loan officer submitted my loan application on or around XX/XX/19 and the same week pre-approved my loan based on my income. 1. My employment and 2. Social security payments. 
The loan officer kept hassling me to get this and that back to him for submittal to the underwriter. I thought it weird since they had already had all of my income. 
On XX/XX/19 there was a closing document ( along with other forms ) submitted to title. We then learned there was a new problem that arised regarding my rental history. After THAT was establised and verified, along came another problem. They went BACK to saying my social security income was now in question. So my realtor submitted an extension for XX/XX/19, which the seller 's listing agent at XXXX XXXX signed, and the information was not privy to the seller 's broker at XXXX XXXX. On XX/XX/19 around XXXX my realtor agent texted me saying " THEY DENIED THE LOAN '' The seller 's agents did all that we asked in the contract to satisfy the sale of the home. 
But because there was NO CLOSING, I am now in a legal battle for the return of my {$1800.00} earnest money from the seller 's agent who refuses to release my money claiming BUYER defaulted by not showing up for closing and said even if the loan was denied, they said I am responsible for obtaining financing and said I am in default. This is even though we have a signed THIRD PARTY FINANCE ADDENDUM that clarifies the ability to terminate contract and return earnest money to BUYER if buyer is unable to obtain financing. 
I'm also out {$490.00} for the appraisal. 
If Academy Mortgage had just been truthful from the beginning when they had all the same information from beginning to end, I would have saved thousands of dollars and a lot of labor moving into storages after thinking I would be moving into my new home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo placed my Mortgage into Forbearance in XX/XX/2020. 
In XX/XX/2020 we inquired about making pmts again and chose the option of increasing our monthly payments over a 6month period to repay the missed amounts. 
In XXXX on my activity log it shows several adjustments of {$0.00} and then my principal balance increased by over {$5000.00} My understanding of this occurring, through research not through Wells Fargo who hasnt responded to emails for calls, is when they continue to make payments to your escrow they can add that amount to your principal. However my payments have been made from my escrow decreasing it to nothing and they still added on the principal balance without my knowledge. 
Now my loan is increased, extended and my escrow is going to be short which will increase my pmts next year to an amount I can not afford. 

Looking into refinance my loan and I am told my costs will include paying my taxes and that amount should be refunded to me at close through my current escrow. However I have nothing in my escrow and my loan at refinance is $ XXXX more. So I am now paying this amount twice without my knowledge. 

Can Wells Fargo do this without my consent or knowledge when I opted to pay a higher monthly payment not an increased principal

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 2018-02-22
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i was in car accident XXXX and went to the XXXX XXXX XXXX IN COLORADO. I had an active full coverage insurance with my car insurance and health insurance by that time. My insurance had been paid all the related bill regarding my injury by that time and i never receiced any bill from that time until XX/XX/XXXX. I got a letter from collection agency that stated i owed the hospital {$20000.00} that i believed shoud cover my health insurance if the hospital had the right information and file the claim to my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Concern : I purchased a XXXX XXXX XXXX  from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX ) on XXXX XXXX, 2017. I was financed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ). While financing the vehicle, this company has placed my payment on another customers account and have called and harassed me multiple times about the payment that was made even though there were notes in the account that stated that they had to put the payment on the correct account. On XXXX XXXX, 2017, I received a notice from XXXX XXXX stating that I had a change in my credit report. When I checked the report XXXX had my account with Tidewater labeled as closed-paid and on XXXX it showed the same and stated that this loan was included in my Chapter XXXX  bankruptcy. With that being said, all of my payment history was erased and my credit score plummeted. This has caused me a tremendous amount of undue stress and mental anguish. Seeing as how this company has no regard for its customers or their credit, I would like for Tidewater to take possession of the vehicle that they have written off and not hold me liable for said loan since they have destroyed my credit. I would like all correspondence to be submitted in writing and all phone calls to cease. Any correspondence should be forwarded to myself as well as the Consumer Financial Protection Bureau for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: NY
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

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 2019-09-05
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # 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 2020-05-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a Regions Bank Visa Gift Card from XXXX XXXX on XXXX and sent it in the mail to a family members as a gift. I retained the receipt and auth codes, but did not make a copy of the card. The gift card was lost in the mail. 

When i tried to follow the steps outlined by XXXX XXXX to recover the cards value or replace it, I was directed to Regions Bank who could not find the purchase on XX/XX/2020, even though I provided all the details on the receipt. They expect me to have the original 'gift ' card to replace/recover the card. Seems like a deceptive practice that needs to be stopped. NO ONE will have the original gift card if it is lost or stolen, but they will have the receipts and activation codes which I provided but was not sufficient for Regions Bank representatives. Oh and I spoke with 8 of them before speaking to two managers and one supervisor. A total runaround. I'm waiting to hear back from a manager, but have not heard back for some time now.

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 2019-02-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I had a fire claim and initially the full proceeds were told to me from Chase Branch to release funds within 5 days on two installments. 

Then that did not happen. Then I was told 70 percent had to be completed.

I had two inspections, one inspection 20 percent was done.

Second inspection 70 percent was done and still no release of funds so I can finish my job.

Still remaining funds have not been released. I am getting the runarounds and can not finish my job since I am the contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EOS Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently received an updated copy of my credit report and found the following collection account that does not belong to me. The collection account is EOS CCA and the original creditor is XXXX. I previously submitted identity theft documentation to XXXX including a copy of the police report and the FTC identity theft report. XXXX responded apologizing for opening the account and told me they would cease the collection efforts. Copies of the police report and FTC identity theft report have been forward to all three credit bureaus and the CFPB has a copies for their records as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Innovis
State: AR
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:
XXXX  IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Tower Loan of Mississippi, Inc.
State: LA
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 have inquries on my credit I did not do or recognize

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 account XXXX XXXX XXXX is showing on Transunion and XXXX  credit reports the account was investigated and deleted off XXXX  and I have disputed with Transunion and XXXX  via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.

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