BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2017 a collection account was placed in my file with the credit reporting agencies by Pinnacle LLC C/O Resurgent Capital Services. I was not informed in writing of this debt before it was placed on my account. Under the FDCPA a collection agency is required in written communication with the following information : written notice of debt, the amount of debt, the name of the original creditor and a statement describing my right to dispute the account and 30 days to dispute the validity of the debt. In addition I do not have a contract with Pinnacle LLC C/O Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a phone call from Huntington bank threatening that they would send me to collections if I didn't pay my mortgage. I was waiting for my next pay period to pay the mortgage and was still within the grace period. I have never been late with a loan payment ever and it wasn't late and yet I got a threatening phone call. I've never been called by a bank ever let alone to get yelled at for a payment that was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
month of XX/XX/XXXX XXXX in fees XX/XX/XXXX XXXX XX/XX/XXXX XXXX in fees Total of XXXX with in 3 months. 
I work for XXXX and XXXX. You have good days and bad days. Times when 7 rides can be XXXX or more ans some days. 15 rides can only be less then XXXX. So you just cant predict what your making that day. I use my debit card to deposit the money I make daily And so I use it to put gas and to eat. I am constantly using it. If I over draw my account just by 3 fees. Its impossible to be able to Make enough for that day to have enough gas To just be able to cover those fees. So I deposit money in my account but at the same time accumulate more fees because its a hole I am not able to get out of. Its endless fees. 
I cant just not work to cover the cost of my fees and I cant open a different account to keep working wile paying the fees and keep feeding my self.. And avoid fees. 
I spoke to chase my situation they basically laughed at me. Because of these fees It eat all of my income. Unable to pay my rent My bills and my car payment. Its unthinkable that a financial institution is allowed to rob. 
People in this way. Basically taking advantage of people with low income. 
Its morally and ethically wrong. I called them to please refund me half of it. There excuse was weve giving you XXXX. Its outrageous And insulting to even say that. Trying to justify Why I should be happy with what theyve returned. Its infuriating and appalling. How they dont care and heartless Institution That only cares to take as much as they can And turn around if they just ruined someone life. Your not given much of a choice when it comes to banks that are willing to work with you. 
If you need a replacement of a card. You cant go to a branch to get one. Now its mailed and Its another way to accumulate those fees wile waiting to card .and extend the charges to different dates to continue to over draft the account. Theyve found ways to be more profitable. Then before just in fees alone. 

With in 3 months I accumulate XXXX just in fees not including Past years XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It should not cost to freeze and unfreeze credit. With the recent breach, freezing all three should be free. Even giving one free freeze/ unfreeze a year would be good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had fraud on my account on XX/XX/2021. I called Wells Fargo immediately as it was happening. They had me on hold for hours over the course of two days giving explanation to different departments. They gave me a provisional credit of the XXXX dollars that was taken from my account. On XX/XX/XXXX they revoked the provisional credit without explanation, I just noticed on XX/XX/XXXX because I logged into my account. Supposedly they allow for 10 days to appeal, but when I called they said the department was closed. I called back on XX/XX/XXXX and the wait was over one hour. I asked for an explanation and after 30 minutes they said it was because the login to my account was legitimate which it was not and no one knows my login. I asked for an appeal and the refused to accept it. I sighted their Online Security Guarantee policy on their website and the agent refused to acknowledge it. I also sighted the zero liability program and the Payment Service Regulation and the agent actually laughed at me. Please assist me with recovering my stolen money which I reported as it was happening and I have no idea how someone absolutely someone random that I have no idea Who it is got into my account and transferred this money out. Not sure why Wells Fargo allows this.

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 2022-02-11
Company: EQUIFAX, 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:
An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand XXXX Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Colony Brands, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX, 2017 I received a notice from " XXXX XXXX '' at XXXX XXXX XXXX XXXX, WI XXXX that stated I was approved for credit and had ordered something, but did n't say what, and that my order could n't be processed until I paid them 50 % of the order or {$480.00}. They said that was a down payment and once that was paid they would ship my order. 

I did not apply for this credit and I did not order anything. This is either a scam or someone trying to use my name for identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-11
Company: ERC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I tried to have all these companies that are showing on my XXXX credit report remove. I tried to dispute it with the companies and also XXXX but unsuccessful there are third party collections agency that have 2 of my accounts that are paid in full for XXXX and XXXX. My personal information is showing up on the Dark Web which social security number and and all my personal information I was notify by XXXX XXXX on XXXX XXXX. I have been trying to get help regarding this matter. The list of companies I want remove from my XXXX account XXXX XXXXXXXX XXXX  XXXX, Enhanced Recovery Company, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Stoneleigh stating that they are the collectors for an account I allegedly have with XXXX XXXX. I sent a validation letter to Stoneleigh to tell them to provide me with a contract that has my signature that ties me to this debt. This letter was received by them ( which I enclosed a copy of tracking ) on XXXX XXXX, 2017. They have not responded with any documentation that I owe this debt. But they sent me another letter with a settlement offer that I received XXXX XXXX, 2017 but it was dated for XXXX XXXX, 2017.  So even after receiving my debt validation letter they chose to ignore it and continue to try to collect on this alleged debt. If no signature can be provided on a contract that bears my name, an agreement that shows that they can collect on the debt, or a validation of the amount this item I require a letter from them stating they cease collection activities on this account. In the letter I also asked to stop collection activities until they are able to provide such proof within the 30 day allotted time and they have violated that. According to the Fair Debt Collection Practice Act 15 USC 1692g Sec. 809 ( b ), they are bound to provide me with such proof. Anyone can send a letter stating I owe an amount and that I am required to pay so I need proof that I actually owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hi - I have raised a concerned with XXXX about my issue that the offer was not service as expected. 
therefore i have raised a case # XXXX on XX/XX/2019 with XXXX and till date there is nothing happened. 

I was offered buy a phone and get a phone deal from sprint and when i availed the service from sprint .... even post 60 days i did not get the offere from XXXX. 

When i called XXXX for help, they took the case, no action made on that .... upon several calls, they confirmed that there is no offer exist .... 

mainly the reason for me to go XXXX was the offer only ... 

XXXX case 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 2022-02-11
Company: Lending Club Corp
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an account Lending Club ; this then became XXXXXXXX XXXX ; then it went back to Lending Club. I am trying to get my 1099 from these XXXX. I have emailed them numerous times ; they don't respond. There is no way to get it on line. Can you kick their XXXX and get me my 1099. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
We 've been a member almost a year, paying XXXX each month. We were able to get the first three monthly reports but have been either Unable to get a report, or no other correspondence since then. 
We called XXXX Several Times and were either hung up on, or " Mysteriously '' got disconected. It definitely seems that they are avoiding contact and responsibility that we 've agreed to. My name is XXXX XXXX @ ( XXXX ) XXXX. Or you may call my wife, 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 monetary relief
Consumer complaint received 2018-01-02
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Summary : Coinbase failed to pay me {$1800.00} after I sold assets. 
On XX/XX/XXXX ( 14 business days ago ) - I sold Litecoin in Coinbase. 
On XX/XX/XXXX ( 7 business days ago ) - I sold BTC in Coinbase. 

Both transactions show " completed ''. Their website first said " wire delays 2-3 days '', then " 5-7 days '', now " 10 days ''. I am at 14 business days now. They are keeping my money. Repeated attempts on gaining an estimate have failed. They do not answer their phone. 

I wish for them to do the following : 1. If wire transfers do not work - then perform an A.C.H. 
2. If they are unable to perform the above, then redeposit the sold LTC & BTC into my wallets. 
XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Extended Details : > > > > > > > > > > > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Total Loss : {$1800.00} Sold Litecoin XXXX LTC @ {$360.00} per LTC Reference code XXXX Payment Method My credit union.. 
Fee {$25.00} Subtotal {$360.00} Total {$330.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Sold Bitcoin XXXX BTC @ {$17000.00} per BTC Reference code XXXX Payment Method My credit union. 
Fee {$25.00} Subtotal {$1400.00} Total {$1400.00} XX/XX/XXXX XXXX XXXX Completed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Company Regarding : CoinBase XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX-XXXX XXXX@XXXX.XXXX  www.coinbase.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Summary : I executed the above noted trades. One has been over 14 business days. The other, over 7 business days. Coinbase, at first, estimated delays of " 2-3 days '' ; then " 5-7 days '', now " 10 days ''. 

They never wired the funds to my bank. 

I submitted an inquiry via their support website ( they do n't offer phone support ) on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 've got 2 " cut and paste '' replies that state they are sorry and working on it. However, their website states there are only 10 day delays for wire transfers - but it 's been 21 days ( 14 business days - as of XX/XX/XXXX ). They 've apparently sold my holding, stated it 's " complete '' and still are holding my funds with no intention of depositing it into my custody. I tried to call them today & they do n't answer. 
= -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The Capital One Auto Finance company openedXX/XX/2014 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this accoun

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Guaranteed Rate Mortgage to establish an escrow account for property taxes and insurance in or around the end of XX/XX/2021. After submitting bills to the escrow folks, I was sent two letters to show me the amounts to pay in additional funds for the establishment of impounds to pay hazard and taxes. After another month or two went by, they refunded my money and did not establish a tax account. Only hazard. I have attempted repeatedly to get the account established talked with multiple agents who all professed that they fixed the issue. They lied. I resubmitted additional monies and they booked it as another mortgage payment. Now they service transferred my loan to XXXX XXXX. 

Guaranteed mortgage does not honor their agreements and there is no quality control. This is probably worthy of a class action lawsuit as it is apparent this is their business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( PROFESSIONAL FINANCE C ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, COXXXX ) has been sending me collection notices in the amount of ( {$180.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to BSI Financial Services XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX to avoid foreclosure ( Ch-XXXX ). My mortgage at XXXX XXXX was modified XX/XX/XXXX and the new mortgage amount added all fees and back accrued interest. This modification was confirmed by the United States Bankruptcy Court. When XXXX XXXX sold the loan to BSI Financial, BSI had it classified as a delinquent loan in Bankruptcy even though the loan was modified and current. All monthly payment are made on time and current. I spoke to XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from BSI and everyone refused to speak to me about my loan. I do n't receive statements or monthly coupons from BSI. The only letter I received from them was a Notice of Servicing Transfer. I was informed by my Home Owner Insurance Company my policy was terminated due to non-payment even though the mortgage is escrowed. My attorney spoke to BSI in XX/XX/XXXX and faxed the necessary documents on XX/XX/XXXX to allow BSI to speak to me and update their files. I have left 3 voice mails to XXXX XXXX ( he is assigned to my loan ) without any return phone calls. Without monthly statements I do n't know if my Home Owner insurance is current or if they have been paying my real estate taxes. I started doing research on BSI Financial and see they have a history of consumer complaints. I thought it best to file a complaint since my efforts and my attorney 's efforts have been ineffective.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have filed many complaints to Citibank already because of the violations they've committed. They keep communicating with me in connection with the debt collection and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I have stated many times that I refuse to pay the debt and they keep sending emails. They stated in an email that they believe the debt is valid and closed my account without notifying me but in pursuant to 15 USC 1692 ( g ), only the original creditor which is me can validate a debt.

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 2022-02-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a message from XXXX with PayPal XXXX Office of Executive Escalations. It states that they found out that I were receiving payments for unapproved gambling-related services through the website XXXX. 
As far as I know I only received payments from the graphic designs I made to my clients. Transaction ID 's : XXXX from Sir XXXX XXXX and XXXX from XXXX XXXX. Which is now on hold. Attached here are their orders and invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capitol One is reporting a closed account in the amount of {$2100.00}. Card was opened XX/XX/XXXX. Showing derogatory as of XX/XX/XXXX and CLOSED. I never opened this card. Ever. It fraudulent. It wasn't me. I want it removed off my report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted XXXX an requested validation of a Citibank debt. XXXX did not respond and disclose validation. XXXX violated my rights.

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 2018-01-02
Company: N.A.R., Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from a collection agency attempting to collect a debt on behalf of XXXX Bank in the amount of {$640.00}. I am disputing the collection attempt as the agency is not license in the state of Florida. Also per the XXXX XXXX XXXX XXXX XXXX XXXX search the company 's license status indicates 'Denied Tech ' ( See Attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation