BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-01
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Here are the etherscan links to the two unauthorized transactions : XX/XX/XXXX XXXX XXXX  - XXXX XXXX removed from my wallet https : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX removed from my wallet https : XXXX My account was setup to require two step authentication for all XXXX. It is still setup to require two step authentication for all transactions. Two step authentication was not attempted for these two unauthorized transactions. 

I saved my XXXX word recovery phrase on my work computer buried in a large XXXX file and on a XXXX XXXX. I did not save it on the cloud, or on a computer/phone that I have ever used for anything Coinbase related. 

Neither the email address that I used for the Coinbase Account, or the email address that I use for my Android account ( for my phone that would receive text messages and submit fingerprint verification ) have any record of a login to these accounts from a new device. These are two different email accounts with two different passwords - another step that I took to protect my account.

I was not sent any email confirmation that my 12 word recover phrase was used during this time. I did use the 12 word recovery phrase on XX/XX/2021, and an email confirmation was sent to me on that day, which leads me to believe that the 12 word recovery phrase was not used by me or anyone else prior to XX/XX/XXXX. 

Coinbase has claimed that my 12 word recovery phrase was used to remove the money from my account, but they have not explained how I was not given an email confirmation that my 12 word recovery phrase was being used, or why they did not even attempt two step authentication with the phone number that was on the account. They refuse to give any other answers to my questions. They refuse to even acknowledge my question asking them to confirm that the wallet address given to me by the Coinbase Wallet is indeed my Coinbase Wallet address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Sold my home of XXXX years and upon reviewing the closing statements the debt collection law firm of McCullough Payne & Haan , LLC, presented a lien filed against me on XXXX/XXXX/XXXX in the amount of Principal {$3700.00} plus interest of {$2300.00} Plus attorney 's fees of {$580.00} plus court costs of {$100.00} to equal a Grand Total of {$6700.00} it is my understanding that the lien was placed WITHOUT any proof of Service as they could n't find me in the city although I maintained the same home address from XX/XX/XXXX through XX/XX/XXXX. I believe they used the same illegal tactics as was used by another debt collection firm that thecfpb has any action against ( XXXX XXXX, XXXX XXXX XXXX ) which also represented XXXX XXXX Bank. 
Again my understanding the lien is good for seven years and was refiled XX/XX/XXXX. and again appears to have paid {$7.00} XXXX/XXXX/XXXX I do n't know if these steps are correct or not and since I never received service on the original lien I would think the Liens were not legal! 
I had a closing attorney get involved and he negotiated a {$4000.00} reduction of the total presented in the closing documents for a new net total {$13000.00}. 
I believe this debt collector mirrored the practices of XXXX XXXX XXXX XXXX XXXX and just churned out non serviced liens to the court and the court just believed the lies and went along with being duped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On the XXXX XX/XX/2021 I transferred XXXX from my XXXX bank account to my Coinbase account to buy Bitcoin with. I was able to buy bitcoin to the sum of XXXX and it was stored in my Coinbase Account. I then tried to send the Bitcoin to my Coinbase Wallet app on my phone and it asked me to re-upload copies of my ID, which I did, twice. Coinbase said I will be unable to do anything with my account until this process has completed. Coinbase said the process will take " a few minutes '' however I am still waiting for reverification of my ID. So essentially I am still locked out of my account over two weeks later. 

I have emailed coinbase multiple times regarding this and so far no one can tell me why this happened or how long I will have to wait to get access to my account reinstated. They replied back with a generic reply stating it would take 5-7 days and I needed to re-upload my ID, again. Which I did. I have now re-uploaded my drivers license and passport 4 times each. 

I have submitted my ID numerous times. I have 2 factor identification enabled on my phone, the same phone I have used since opening my account. I have only ever used the same XXXX bank account to directly transfer funds into my account. I even have a personal email domain, which again I have always used with coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
that debt did not belong to me, to my understanding the car was paid off but somehow its still showing on my credit, please take that off of my credit it is effecting my credit score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Sir, I am REQUESTING COPIES OF THE FOLLOWING DOCUMENTATION : 1. OFFER LETTER OF Treasury 's Home Affordable Program ( HAMP ) by SPS on XXXX XXXX. 
2. OFFER LETTER OF modification resolution offered by XXXX, XXXX XXXX XXXX on XXXX XXXX. 

SPS contacted me 3 times on XXXX XXXX ; urging/pushing me to switch to a " New program which I qualified for and would better suit my case!! ". The new program was the National Mortgage Settlement modification. NEVER, during any of the phone conversations did the representative provide me information of a HAMP offer on the table. Nor did I receive any documentation by mail of a HAMP offer. Contrarily, the response was that my loan modification was still under review. 
NONETHELESS, my understanding was that my account would be reviewed for ALL and/or ANY program available to assist me in saving my home. 

Respectfully, SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations. 


SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan home loan for my primary ( only ) home is through BB & T, and secured by XXXX XXXX, and has PMI. I have had the loan for about 6 months and have now paid more than 20 % off. I requested in writing they cancel/terminate my PMI, but they responded that I could not do so since my loan did not have 24 months of payment history ( quoting the Homeowners Protection Act, some protection eh? ). I believe they are in error and should cancel/terminate my PMI as requested. Please assist me in resolving this issue. 

Thank You XXXX http : //www.consumerfinance.govXXXX

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 2018-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
2 certified letters were sent requesting that all accounts that are asking me to pay be VALIDATED not a verification but VALIDATED & send proof of certified copies of the TRUE BILL & Accounting of the accts.to prove this debt is owed to remove fraudulent inquiries, update address, update phone numbers, remove personal statements from credit files and update all information I requested remove all bad address UCC 1-308 WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Medical Data Systems, Inc.
State: AL
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 repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe MEDICAL DATA SYSTEMS INC. The credit bureaus all come back stating the information has been verified. MEDICAL DATA SYSTEMS INC has been paid to the original creditor by my insurance company before any collections. MEDICAL DATA SYSTEMS INC Is reporting to unpaid accounts on all my credit reports that are incorrect.

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 2018-01-22
Company: EQUIFAX, INC.
State: AL
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 repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.

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 2022-01-01
Company: HUNTINGTON NATIONAL BANK, THE
State: GA
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 belongs to someone else

Complaint:
Hunington Branch Manager XXXX XXXX has been purposely sending out false news & information to the public. He has been threatening me and harassing me by the way of social media and text messages. I have told him numerous of times to stop and for him to call me about the situation so we can settle whatever claim he has. He also has my bank information with Hunington Bank to look into my account and has been bragging to other about the power of connections he has and has over me & what he is capable of doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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: Account information incorrect

Complaint:
I have requested that TransUnion remove an unverified account that has been placed on my credit report from XXXX XXXX XXXX. I have no agreement with XXXX XXXX XXXX and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed TransUnion and XXXX  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi has promotions for XXXX to receive XXXX bonus. Keep 60 days and within 90 days you would receive bonus.I opened the account and was funded by XXXX During the time I received emails stating I had not deposited I chatted/called 3 times each time stating I qualified and to ignore emails. 100 days later no bonus, I called and was told they would have to open a ticket and it would take another 20 days for response for m6 bonus but was assured I qualified. I asked for a supervisor who said we are short handed, its a pandemic and people are suffering. I said why are you still running promotion if you can not keep up with advertised promise. He said thats what they told me to say. I asked for another level and was told someone would call me back. A week later and no response. I called corporates, was told to call consumer affairs, who told me to call corporate. Corporate said I would just have to wait. I asked for another way to escalate. Was given an email. I emailed and was responded to with the canned email that someone would get back to me within 15 days. 

They are still running promotion, if they can not honor their promotions. And hold our money hostage they should not be allowed to run promotions

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 2015-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I own a small business in XXXX XXXX, as a regular practice I have to send checks back to my clients for refunds. On XXXX XXXX, 2015 I mailed out a check to one of my XXXX to XXXX for {$770.00} dollars. After 15 days my client called and ask me about the refund because he never received the check. I went to the branch where I have the account located in XXXX XXXX and XXXX XXXX XXXX XXXX, and the check appear deposit and paid to the account number XXXX in XXXX XXXX My client has not business in XXXX, he lives in XXXX XXXX I dispute the check with the Capital One Bank immediately but not case number was given to me and I asked for it, few days again I spoke to the branch manager who told me that the case was with the Fraud investigation unit but she can not give a phone number to follow up. After 2 months I have not received any answer for Capital One neither my money has been refunded. 2 weeks ago I went back to the Bank again and the management was changed and I was told they do not know about my case. Capital One Illegally deposit a check from my business in an account above mentioned in XXXX XXXX, XXXX XXXX miles away from my client location and has been negligent in resolve the Bank fraudulent deposit and refund the money to my account. 
Please see attached the fraudulent deposit in XXXX XXXX check XXXX XXXX XXXX, 2015 and the check I mailed out to my client a month later and deposited in California, check XXXX, this check has his real signature. 
Please see my account information below. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXXCapital One BankACCOUNT N : XXXXBranch Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXPhone numbers ; ( XXXX ) XXXX / ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received a package from TD bank. I do not have a TD Bank account so I called their customer service and they confirmed that an account was opened, they immediately closed the account and reported the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Improper inquiries that I didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-01
Company: Kriya Capital, LLC
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 status incorrect

Complaint:
After being on the phone with an agent that could not verify my information this account was almost 10 years old and they still were reporting it to my credit which was a violation of my consumer laws which after 7 years an account should not be still on my credit report. I paid the amount that the agent agreed and In writing, she agreed the account would be removed from my credit report not reported as closed this was a violation of the written agreement that me and the agent if this company both agreed to and now I will be escalating this problem to higher authorities for this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I placed on order on XXXX via PayPal for {$86.00}. I specified the payment method as a XXXX credit card on PayPal. PayPal nevertheless proceeded to charge a saved XXXX XXXX, claiming that this was continuing a recurring automatic payment to that XXXX XXXX ( which it was not ). Their unauthorized charge to my XXXX XXXX caused a substantial interest rate to kick in. 

I contacted PayPal about the charge, asking if they could refund it and instead charge the intended payment method, and their only response was that " this is not a billing issue '' ( which is obviously false ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had deposited 2 checks for XXXX and XXXX and citizens bank took it upon it self to return the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Account resolution services XXXX XXXX XXXX XXXX BXXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL XXXX This is definitely a fraudulent account I am disputing this as well

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