BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pursuant to employment relocation, I acquired a XXXX 's Membership. For employment reasons I moved from XXXX to XXXX. Once relocated, it was determined, my move relocated me XXXX XXXX from the gym I frequent, and unfortunately to my knowledge, the closest gym to me was XXXX XXXX away from my home. In attempts to resolve this issue, I contacted XXXX 's XXXX Customer Service and was told on several occasions the issue was resolve. I have requested several times for Aldous And Associates to resolve this issue, only to no avail. In addition, I am disputing the amount owed of {$480.00}, as the the original amount of the contract was only {$370.00}. If any additional funds was owed, I was not made privy to that dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
ISSUE 1 : XXXX XXXX, 2017 XXXX XXXX UTC -- XXXX LTC ( Litecoin ) was sold from my account for XXXX BTC with a fee of XXXX BTC. At that time the rate for BTC/LTC was about XXXX BTC/LTC. This is currently worth over {$10000.00} USD. ISSUE 2 : It has been nearly 1 week after this incident. I can not access ANY of my funds in XXXX since the above time. Furthermore, Coinbase is having a week-long " minor outage '' affecting everyone. ISSUE 3 : Customer service? There is none. They do not respond and I can not speak with a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
One the company Captial one charges me for a late payment when it was not actually late ; I had to call and get the late payment removed. However, the late payment went on my credit report and it is incorrect and is the only thing stopping me from getting my home loan. I spoke with them to get it removed but they said it was nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance my existing XXXX  loan to a lower interest rate and Chase Bank is reusing to refinance my loan. I did an online application in XXXX 2020, spoke to and emailed the bank rep several times, , and submitted all the info and documents that were requested. I also followed up with the Bank rep several times and He asked for my taxes which I provided and also discussed on the phone. He also ran my credit and said that it was now up to the underwriters. 

Attached are copies of emails between Chase bank and myself. This depicts the problem I am having with Chase. Interest rates are very low and Chase is refusing to refinance my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been banking with wells fargo for 3 years, A few weeks ago a friend wrote me a check to help me pay off some debt, Its still unclear where the error was made but the check was referred to maker. Once my friend found out the check returned, i was given the cash I got to the bank to deposit the money and my account is frozen and referred to the fraud dept. This scared me because i 'm a hard working citizen and committing fraud it not something I do. So i call the fraud dept and i get the run around form many different reps saying how it could be corrected, One representative said i needed a letter from my friends bank stating why it was referred to maker. while other representatives and me to do other things the didnt get the hold removed from my account, during this time i have received fees for items that came back returned because i was unable to put the cash into my account. Wells fargo is saying they will close my account, and use the money in my saving account to cover it. This has been a disaster no access to funds, no banking account or access to my secured credit card.

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 2016-04-08
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Received XXXX denial letters, XXXX for XXXX XXXX XXXX & XXXX ; the other for inhouse modification, dated XXXX XXXX, 2016. The letters stated " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' This means that it is a denial based on investor restrictions. XXXX XXXX interpretations of the loss mitigation rule clearly state that this type of denial reason, without informing the borrower of the type of restriction, is not sufficient. 
The next paragraph in the denial for XXXX XXXX XXXX is also inconsistent, since the following paragraph beginning with, " Based on the documentation you provided ... gross income which is calculated as {$4900.00} ... '' suggests that the denial reason is XXXX negative but on the next page, ASC says the denial was not based on NPV analysis and your appeal can not include disputes about income, etc.

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 2021-01-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. Midland Funding LLC, has violated the Fair Credit Credit Reporting Act and The Fair Debt Collection Practices Act ( FDCPA ) which states : The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages Credit cards Medical debts Other debts mainly for personal, family, or household purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started my dispute process on XX/XX/XXXX. It is now XX/XX/XXXX and I have no response from the bureaus. I am requesting this inaccurate information that the bureaus were unable to verify be removed from my credit report. By law it has been well over 60 days and I have no response which constitutes removal being that bureaus did not verify my. information. I have attached my letters that were sent to the bureau, a copy of an utility and my license to prove my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2013, signed and accepted a Loan Modification Agreement ( FHA-HAMP Modification w/ Partial Claim ). The agreement we both signed did NOT explain or document that Bank of America would place a second deed of trust recorded on XX/XX/2013 ( Instrument # XXXX XXXX-XXXX ) in the amount of {$85000.00}. Note The Trial Modification documentation with our signatures agreeing to the terms were submitted during the eligibility phase, which Bank of America required multiple pre-signed notary acknowledgements. ( Please see California Notary Acknowledgement dated XX/XX/2013). We did not agree nor was made aware of this lien of {$85000.00} as part of the loan modification trial period or permanent modification, otherwise we would not have agreed to such an enormous amount of money. The financial documentation with our signatures agreeing to the terms of the trial modification were submitted during the eligibility phase, therefore not being forthcoming about the {$85000.00} lien trust upfront. Also, we provided multiple copies from a notary dated XX/XX/2013 that Bank of America used to complete the Modification Agreement. Hence appearing as though we were aware initially about the partial claim amount. There is definitely nothing noted in this Loan Modification Agreement dated XX/XX/2013 document that speaks to the amount of {$85000.00}. Please see Loan Modification Agreement, XX/XX/2013, # 4  ( 1 ) The FHAs subordinate lien will require a balloon payment when I pay off, sell, or refinance the Property, which may make these things more difficult to do. The FHAs subordinate lien may also make it more difficult to get additional subordinate lien financing.

Therefore, there was a breach of contract and Fraud on Bank of Americas part. 
To state a claim for breach of contract, a plaintiff must allege that ( 1 ) there was a valid contract ; ( 2 ) the defendant breached its duties under that agreement ; and ( 3 ) the breach caused the plaintiff damage. Guckenberger v. Boston Univ., 957 F. Supp. 306, 316 ( D. Mass. 1997 ) ( citations omitted ). A valid contract requires an offer, acceptance, and consideration. See Vadnais v. NSK Steering Sys. Am., Inc. , 675 F. Supp.2d 205, 207 ( D. Mass. 2009 ). 
We are requesting to be released from this fraudulent lien of {$85000.00} and this mortgage to be removed from all three credit bureaus.

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 2021-01-12
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:
In 2009 my wallet was stolen and I have been a victim of identity theft ever since. This person is always able to open accounts in my name. And now that I am actually trying to use my credit I am unable to achieve anything because of all the negative accounts on my report. I have disputed with three credit bureaus as well as the creditors involved.

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 2015-05-21
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called this company previously about getting verification of the debt since I had no knowledge of it but was talked to horribly/threatened & without resolve but was told in a letter it was being investigated but to date never received any verification or follow up to my verification request. I only received notices stating the amount of the debt and that the company wo n't be able to sue due to the age of the debt & actions that will occur if left unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: FL
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 attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: QC HOLDINGS INC
State: IL
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I was recently contacted by someone claiming to be a debt collector stating I took out a payday loan with a company called QUIK CASH in XXXX 2015. I told them I paid off my loan in XXXX 2015 and do not have a loan with them. They read my information I had on my previous QUIK CASH account and I told them to delete my information. The number is which has contacted me is XXXX, leaving a message stating she is looking for me to serve me a court date about this debt unless I call the company she works for to pay it. I called XXXX ( the number she left ) and that 's how I figured out this is a scam.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: PA
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:
I purchased a flight through CHase Travel last year, canceled it in XXXX. I have still not been issued a refund and have been sending emails for several months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had a XXXX credit card I closed the account when I lost my job but come to find out they never closed or contact me about it just kept it open I had no knowledge of this and then sent to a third party debt collection without me even knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I go to see how much my paycheck was on XXXX/XXXX/15 and noticed a garnishment from my check!?? I had no idea what it was for. I found that I was taken to court, under my previously married name ( I 'm now divorced & remarried ). What a surprise, I was never notified! They had the wrong address, even in the court record events it was noted " unclaimed/undelivered mail-not deliverable as addressed, does not live here. '' Apparently I do n't have the right to be informed, they just proceed with a hearing anyway?! A judgement was entered for {$1000.00}. I have no idea what it 's for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: Dovenmuehle Mortgage, Inc.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Currently disputing information with all XXXX credit agencies, dispute is with lender and information they are reporting to the credit agencies. 

XXXX XXXX XXXX XXXX XXXX, HI XXXXLast XXXX SS # XXXX ( XXXX ) XXXXXXXXDOB : XXXX/XXXX/XXXXI would like to formally dispute the following on my credit report : XXXX XXXX Ending : XXXXOpened : XXXX/XXXX/XXXXType : Mortgage LoanLoan # XXXXProperty Address : XXXX XXXX XXXX, XXXX, NV XXXXMailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXXItems in dispute:1. Balance {$180000.00} : This is not correct. The loan balance has been paid in full effective XXXX/XXXX/XXXX. Please refer to the documents " Payoff Statement '' and " Wire Verification '' which show the amount the lender required to settle the balance on the account in the amount of {$190000.00} and the amount paid with by a wire transfer in the amount of {$190000.00} from XXXX XXXX XXXX. Please contact XXXX XXXX with XXXX XXXX XXXX for additional information regarding the transfer or payoff statement. ( XXXX ) XXXX or ( XXXX ) XXXX. 
2. Past Due Amount {$13000.00} : As mentioned above, the loan balance has been paid in full. 
3. Delinquent Payments : This information is not correct. Per an email sent to me on XXXX/XXXX/XXXX by XXXX XXXX, a Loss Mitigation Processor with Dovenmuehle Mortgage, a hold was supposed to be placed on all credit reporting activity until a decision was made regarding my request for a short sale and loan modification. I never received written or verbal notification indicating whether or not a decision was made regarding the request for a short sale. Delinquent payments were not supposed to be reported to the credit bureaus until a decision was made to accept or decline the short sale offer, after which I would then be given an opportunity to pay any delinquent payments before reporting to the credit bureaus. Since full payment of the outstanding loan balance was received prior to the lender making a decision whether or not to accept the short sale, no delinquent payments should have been reported to the credit bureaus. Please refer to the enclosed emails. 
4. Foreclosure initiated/started : This is not correct. A formal notice of default was never filed with the XXXX XXXX XXXX Office in the State of Nevada which is required to initiate any foreclosure proceedings within the State of Nevada. Please refer to the document titled " XXXX XXXX XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After XXXX payments totaling over {$35000.00} in interest on my Discover private student loan, my principal has only decreased by {$1500.00}. Please help!! They will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On the XXXX of XXXX I called for a free consultation and authorized Lexington law firm to charge my card XXXX cents to run my report. At the end of the consultation I was told my fee would be XXXX a month to dispute one item. I then told the agent Im not interested in there services. He advices me to speak with a paralegal about price on Monday. I thanked him and told him I wasnt interested. On Thursday the XXXX I saw I pending charge. I called 5 different numbers and was not answered. Called from a different number was answered immediately. Explained I didnt want the service was told I wouldnt be charged and I was. Called 3x on the XXXX now there staring they wont refund my money cause its not in five days. Which the XXXX is actually four days not counting Sunday and if Sunday is counting the XXXX makes the 5th day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Rent Recovery Solutions
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and on XXXX XXXX, 2016 I send a formal dispute to Rent Recovery Solutions ATTN : XXXX XXXX. This request was sent Rent Recovery Solutions via Fax to XXXX and the transmission verification report states result OK. Enclosed with the request was the following : a copy of driver 's license, proof of address, the police report, Power of Attorney, credit report, Social Security card, and police report as required. We have yet to receive confirmation from Rent Recovery that our dispute was received nor have we heard back from XXXX XXXX after several attempts. Our dispute has now been pending for over 65 days and this should have been ample time to at least hear back from the company. I am not requesting that this account been deemed fraudulent and to obtain a clearance letter to ensure my client will not be held liable for this debt at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Our complaint is a Predatory Loan ; XXXX we asked Bank of America for a line of credit and they gave us a HELOC loan in the amount of {$84000.00} which was interest only. We went back to Bank of America to see about a separate {$50000.00} equity loan for a business start up for our XXXX. 

XX/XX/XXXX Bank of America sent out their own appraiser and appraised the home at {$460000.00}. To this date the home is still not worth this amount. In XXXX we merged the two loans together, due to the recession and as our XXXX fell behind on his individual loan payments. The next 10 years XXXX  had us on an interest only payment plan which was not clearly explained to us. After the 10 years the payments went from {$290.00} ( interest only ) a month to {$770.00} at 4.625 % principle and interest. At that time, we were threatened with foreclosure due to getting behind with the new monthly amount due. 

After 17 years, we owe more on the loan that what we took out.

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 2017-03-22
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was sent to collections and threatened with foreclosure when I had been working with the Superv, Debt Collection. I sublitted XXXX letters plus XXXX hardship paks. A few days ago I rec 'd a letter from anattorney debt collector. I had been working and talking w/soup. my home is for sale and the buyer dropped out, I notified PenFed of this and then XXXX letters came to begin foreclosure if I didn'e pay the XXXX. I had my water shut off and had to go to a food bank, I am divorced after 47 years and no alimony. I have been begging them to help me since 2014. No ONE told me or gave me a chance BEFORE into collections. I had just spoken to PenFed as I had for 2 years.

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