BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: LOBEL FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wrote a letter to the company requesting information I received a copy of judgement that I was NEVER served with a prejudgment interest rate of 22.95 % which is crazy plus I no longer lived in the state wondering if this is authentic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I first saw an address on my credit report that I did not recognize as well as XXXX XXXX XXXX whom I had no business with ). I contacted this property and was advised there was a broken lease and an amount due. I advised them of not having any knowledge of this, someone using my identity and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had over XXXX inquiries on my credit reports, had accounts attempted to be opened in my name and addresses here in Texas and California that I was I had lived at XXXX Park XXXX XXXX XXXX XXXX XXXX Tx for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX Properties via email XXXX/XXXX/XXXX to XXXX XXXX of National Credit Audit Corporation, XXXX XXXX and XXXX XXXX of XXXX Properties. I have also filed complaints with several government agencies. I have XXXX XXXX and this is upsetting me. I also have fraud alerts on all of my credit reports. I applied for another apartment and was advised to contact Resident Verify where I was advised that XXXX XXXX has a Civil Judgment against me on XXXX, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and Transunion after the police report ( that names XXXX XXXX XXXX was provided. Neither of these companies has or had ANY OF MY CONTACT INFO, my address, my email address, etc and also I HAVE NEVER BEEN TO XXXX PROPERTIES AND HAVE NEVER SIGNED A LEASE OR AM AWARE OR ANYONE WHO HAS. There were other addresses on my credit report XXXX places in XXXX and other XXXX XXXX that were removed by XXXX and XXXX. This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and they did n't have the correct email when I spoke with them. So who did they serve? Who received the info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft.All of the verifiable info supporting my truths have been disregarded and I am willing to take all legal actions against these companies and am in the process of doing so. I would NEVER have known this had I NOT applied to another apartment whom I have supplied the emails I have sent to XXXX Properties and XXXX, phone calls to the companies, Police Report, and they were advised by Rent Verifiers of the XXXX XXXX on my credit reports. This is ridiculous. I have lived in XXXX Texas for 12 years since XXXX and XXXX XXXX La from XXXX. My brother is a retired XXXX Police XXXX and has been here in since XXXX. I have tried endlessly to get this resolved before these companies filed a Judgement against ME, someone whom never received NOTICE of this until I pulled MY credit reports through Annual Credit Report, and the judgement from the apartment that I am attempting to lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Coinbase, Inc.
Product: Virtual currency
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi, on XXXX XXXX, I paid XXXX $ in XXXX to my provider. The day XXXX XXXX, the provider sent me back the money because we didnt coordinate the transaction. 
The TX XXXX when I paid to my provider XXXX : XXXX The TX when the provider XXXX me back the money : XXXX XXXX Then, I saw lot of confirmations in the transactions back, but in my wallet my money does not appeared. I wrote an email to coinbase, explanning the situation, I wrote the TX when I paid and TX when provider sent me back the money. 
Coinbase answered me this : " XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX : Hi XXXX XXXX Sorry but we do not support returning funds to a sending output : https : XXXX Sorry for the trouble and in the future please do not have funds sent back to the sending output, as you will not be able to recover any funds send to you that way. Please provide a payment address listed here : https : //coinbase.com/addresses You can navigate there by going to 'advance ' in the drop down found in the upper right of the page. 
Let us know if you have any other questions, and thanks for using XXXX. '' Following the link I read this new rule : https : XXXX " Returning XXXX to a Coinbase account successfully XXXX XXXX, 2016 Coinbase does not support bitcoin being returned to the output address. It 's important to understand how Coinbase handles transactions to ensure the XXXX reaches the account. Due to how Coinbase handles outgoing transactions, the funds will not reach the account if they are sent back to the output address that the funds originated from. 

It 's important to provide a sender with an address from the list of receiving addresses. All XXXX receiving addresses for a Coinbase account can be found on the following link : https : //www.coinbase.com/addresses To learn more on Coinbase transactions please refer to the following article : Why ca n't I see my transaction in the blockchain? '' I Answered the email from coinbase : " I want my mony back. I read your rules, and in next time I will talk with my providers that return my payment to my personal address. But this time I want my money back because is mine. If was a mistake of my provider, you know through the TX that money is not yours. Then, most honest and responsible from Coinbase, is to return the money to the client, in this case me. 
I do not think for about XXXX XXXX you are willing to lose a client in Coinbase. " I wish to make a complaint because I feel scammed, Coinbase knows that the money income to your account is that other people 's money, is mine, and they do not want to return to the original client money. 
I want to contribute to the legality of things, what is right, what is honest and what is responsible. 




https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
wrong address reported by XXXX leasing Company. 
I never lived at XXXX, they delivered merchandise to this address for pick up, but it was an office location. It was never my living address, please remove. It was mistakenly reported to both Transunion and XXXX, also my current address is XXXX XXXX XXXX XXXX Fl XXXX, however it has been removed as a current address with XXXX this is an error. Also, my listed age of Credit history is mistakenly listed as 0 years and 6 months with XXXX creditors. This could be due to my recently closing an account, this is an error. It should be listed as atleast 2 years. Please update, thank you

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 2016-11-08
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recieved a call from a debt collections Agency called Dynamic Recovery Solutions. I am very careful with my bills and mobey owed and I know for a fact I have NO DEBTS needing collections, especially any that I would n't have information on. I read online the kinds of threatening tactics they use towards other people and do not wish to be threatened over nothing myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The charge was for venous collections {$15.00} ( XX/XX/2015 ) for which my health insurance denied as violating contract with them. XXXX XXXX XXXX ( XXXX ) reduced it to {$5.00}. Neither charge was approved by XXXX. I contacted XXXX the date of the bill and XXXX contacted XXXX and they stated they would remove charge. 1 year later I received a derogatory remark on my credit report by XXXX XXXX on my credit report. There was not attempt to contact me or write me concerning this charge. They claim I owe {$10.00} now. They damaged my credit without giving me notice or the ability to contest the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Incomm Holdings Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was given a vanilla gift card from a client and when I attempted to use it, almost the entire balance was gone, for a total of {$190.00} missing from a purchase that I did not make. I contacted the company and filed a dispute on XX/XX/22. I was told that I would be contacted within 60 days, I have called and email multiple times because it is far beyond 60 days but no one has responded to me or contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Medical Data Systems, Inc.
State: NC
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:
The facility did not adequately disclose the cost of the expected services after presenting insurance card. There was no other financially obligation discussed. I was not contacted regarding any additional balance until it was in collections. My flex spending account would not accept the balance due to timely filing. I also received the explanation of benefits months after the date of service. This letter stated do not pay as it was just an explanation of benefits.

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 2016-09-21
Company: Embassy Loans
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
item is reporting wrong and not paid in full EMBASSY LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account # XXXX and never issued my refund

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: Cottonwood Financial Ltd.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
they are calling my family members, my job my cell phone and they are calling everyday, more than 5 times a day for the last two weeks.

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 2016-10-10
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Kia finance created XXXX accounts for my loan. I was unaware of the XXXX accounts and continued making payments under the initial account, though payments under XXXX account numbers show I have not missed a payment. They have sent me letters saying I am in default and am risking repossession. I have bank statements, as well as the combined account statements that show I have never missed a payment. I have been charged late fees, when payments have not been late. I have been unable to resolve this with Kia after months of attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had a XXXX XXXX Credit Card that was charged off. I called them to settle debt they said that an attorney XXXX & XXXX I believe is the name had the debt phone number XXXX XXXX XXXX XXXX. I have called and left several messages and nobody has gotten back to me and I have no other way of getting a hold of them to repay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was attending XXXX XXXX XXXX and I was terminated for failing XXXX class because of my teacher. I was on academic probation and I was told if I did not pass all my classes I was going to be terminated. But my teacher did not help me or try to reach out to me instead he made me feel very uncomfortable and I felt left out of the class. I attended XXXX day and he marked me absent and I got dropped from the class. I talked to the XXXX about it and I asked if there was any way I can make up that class, he said to talk to my teacher. My teacher did not take interest he said there was no way I could do the work. I had no chance I passed all my other classes I felt like it was not a fair move. I know someone that was in the same situation as me but they had more encouragement from the dean and staff instead of me. I was told about my situation until I was almost done with my courses, I was suppose to graduate later this year in XXXX. Know I cant get back into school because my credits ca n't be transferred and I 'm left with student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This debt is over 10 years old. They recently started garnishing my wages and I have n't received anything indicating this was in process so could n't do anything to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo are stating stating XXXX different amounts that I owe. I requested information and thus far they have not provided me with anything as of XXXX XXXX, XXXX. Meanwhile I have a schedule foreclosure of XXXX XXXX, XXXX. 

Wells Fargo had no intention of modifying or verifying the amount I owed.

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 2016-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In early XXXX, I applied for a mortgage refinancing through Bank of America Home Loans. On XXXX XXXX, I paid {$680.00} for a home appraisal and immediately gave access to the appraiser. However, the appraisal was not completed within the 60-day rate lock period, despite repeated inquiries and attempts to move the process to completion. I e-mailed the loan originators, their supervisor, and Bank of America Quality Assurance, without any resolution, specifically writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX -- the last two after the rate lock had expired. On XXXX, I asked for a refund of the {$680.00} I 'd paid for services I did n't receive, but heard nothing ; I wrote again on XXXX to restate my request for a refund -- and again, Bank of America ignored my correspondence. In short, Bank of America scammed me by collecting fees for services they failed to provide inside their own timeline ; they failed the customer service test by ignoring my repeated requests for a refund.

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 2015-04-01
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My mother received a call asking for me. As she lives with me, she gave me the phone. The person I spoke to advised they were calling about a loan that had been turned over to them. As I had no knowledge of this, I asked them to send me information they in fact own the debt in question and I will handle it then. The agent said they had sent me XXXX letters, to which I responded I had n't received anything from them. The person then said they were going to mark my account as 'refused to pay '. I advised them I never said I had refused to pay ; I just wanted verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Credit card
Issue: Transaction issue

Complaint:
I made a purchase through XXXX to a company in XXXX. XXXX completed the foreign transaction and the seller was charged the foreign transaction fees. On my last credit card statement I was charged a foreign transaction fee. This fee is fraudulent. The credit card company did not process a foreign transaction and therefore can not charge a foreign transaction fee. Their excuse was there is XXXX writing in the description.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I made a transfer from my Bank of America checking account to my XXXX savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my XXXX account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a Bank of America branch and they deposited it into my BofA account. Then a few days later it was taken out of my Bof A account again with a " refer to maker '' error. I again went to Bof XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that XXXX presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact XXXX to get them to research it to no avail as they state the money is with Bank of America. This has been going on since XXXX and I feel that I have been defrauded out of XXXX since neither bank is blaming the other and no one can seem to get my {$3000.00} back into either account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX University and had to get loans to cover the cost as I had to pay for school myself. The monthly payment now is going to be right at {$600.00} a month. I have spent two months calling XXXX XXXX ( now Navient ) telling them that I am willing to pay my loans back but I would need to get the payment lower because this is going to be a high expense. Also I have had employees of Navient state that my payment is very high. After repeated calling I just keep getting the same answer which is " your disposable income is too high for us to lower it '' but I am living at home because I do not want to be in a financial bind when I do move out. I just do not see how when they have someone who is willing to pay them, they will not even try to work with me on this. Also I co-signers but they are my grandparents and I have told the company that I am the only one who is going to make payments due to my main co-signer having XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, Jefferson Capital Systems, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital XXXX Systems that they had received my request for debt verification for the account owned by Jefferson Capital Systems, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital XXXX Systems XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be XXXX XXXX XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital XXXX Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Applied Resolutions Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from Applied Resolution called my office line stating I need to call him and discuss about my XXXX account. I actually got a call from some other person about two weeks ago. When I ask for more information, they ask for my social and birth date for verification. I do not have any loans with XXXX, so I pulled my credit report to see if someone stole my identity. I did not see any XXXX loan on my credit also. When I told them that I do n't have any account with XXXX they started harassing me that they already verify my social and birth date with my employer. They also started to raise their voice and became very confrontational. I told them to stop calling my work but they keep calling back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation