BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-21
Company: Valentine and Kebartas, Inc.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I spoke to a rep XXXX/XXXX/16 from Valentine and Kebartas letting them know I am disputing the validity of the debt and for them to cease communication with me. They call repeatedly every half hour and also after I told them to cease communication on XXXX/XXXX/16 @ XXXX. They are very rude and one rep even hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am beneficiary on my Dad 's left-over IRA. Luckily, he had warned me that different rules applied to these. I asked a BofA branch Asst Manager what the options were -- she said, there were XXXX : keep as is, roll over to my own IRA, take a lump sum. 

Luckily, I talked with an independent Financial Planner, who said that I could NOT roll it over into my own IRA. 

I rec 'd a letter from XXXX XXXX in XX/XX/XXXX agreeing that disbursements would occur on XX/XX/XXXX each year ... ..the first year, it did. 
I have not rec 'd it for XX/XX/XXXX ; when I called the number provided, the young man said the ck had been done on XX/XX/XXXX : it was XX/XX/XXXX when I talked to him, and had not rec 'd it. First he said it had been done, and cashed and put in my checking account ( do n't have one with them ). After putting me on hold, he came back on and said it had NOT been cashed, and he would stop payment and issue another ck, which I should receive in 10 days. I did NOT rec, and called the # and spoke with a nice young lady, who said it had been issued XX/XX/XXXX : was talking with her on XX/XX/XXXX ... said I would wait until Fri. XX/XX/XXXX to give it plenty of time to arrive : it Did n't! Also, have not rec 'd a XXXX yet, from either ck. 

Since tax time is almost over, it is important we rec these asap. 

Any help would be greatly appreciated! 

When my XXXX had XXXX and I was his POA, they would not let me cancel his credit card, even with all of the correct paperwork. It only got resolved when I filed a Better Business Bureau, and also a CFPB, complaint. 

Neither my father, nor husband had any problems with BofA ( XXXX males ). I can only assume my problems stem from being a woman.

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 2021-01-13
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
For 4 weeks I have been trying to get my account unlocked. 0 response from Coinbase.com Here are the support tickets I've filed so far : Case # XXXX - Coinbase Pro says XXXX for Withdraw, and Trade blocked out even though payments are up to date Case # XXXX - Can not Sell, Convert, or Withdraw Crypto Case # XXXX - Coinbase Pro account can not withdraw, deposit, or trade! Please help! 
Case # XXXX - 4th Support Ticket -- No Response. I am reporting Coinbase Pro to the FTC 0 Response. They are holding my funds hostage, please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2015-11-25
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received a debt collection notice from Southwest Credit in the mail claiming they were collecting a debt for one of our creditors ( XXXX ). We do not owe a debt to XXXX and are always current with our bill. We also have a monthly automatic withdrawal set up with XXXX, so we know we are always current. We contacted XXXX and verified that we do not owe a debt and also that we have never been sent to collections.

Company response to consumer: Closed
Consumer complaint received 2015-11-14
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i filed chapter XXXX XX/XX/XXXX but dismissed it XX/XX/XXXX XXXX says it stays on 10 years from XX/XX/XXXX but other reports from other agencies says it should go off in 7 years i read on internet also saying 7 years transition and XXXX already took it off what is the law for chapterXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Throughly a buyout lease ( finance ), I completed the payment of XXXX XXXX on XXXX. 
After completion of full amount, Kia Motors Finance sent me damage title that was declined to DMV because it represents a documents. 
On XXXX request duplicate and the Kia Representative stated that a new tittle would be sent. 
On XXXX, resubmit the same request and I was advise that it would be mailed to me. 
On XXXX, called again and I was mistreated by the representative and I was accused of tear the tittle that was tear by kia and amended by Kia with their reference tape. 
On the same date, spoke with a supervisor who advised me to sent returned the title to their tittle department and advised that in 6 weeks the replacement would be sent to me. 
As per their instructions, the Tittle was delivered on XXXX On XXXX spoke with another representative and find out that absolutely nothing has been done. Once again I submitted another complaint ( Complaint XXXX ) and for the first time a request # was provided_ Request # XXXX. At time, I was advised that a representative would reach out to in a week. 
I havent heard from Kia Motors Finance until today and financial institution that I dealing with has increase my Car loan APR from 4.8 % to 18 %.

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 2016-10-14
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have about {$5000.00} in fraudulent charges from a XXXX. These charges are unauthorized. I have contacted Key Bank via postal mail but have n't received a response. I am XXXX so I can not call their fraud number that they 've given me and they wo n't allow you to initiate a dispute via email. So I mailed them a dispute letter about these fraudulent transactions. There are also about {$150.00} in foreign transaction fees. 

After doing some research, you should be aware that XXXX is n't even allowed to do business in the United States or with any U.S. citizens for that matter. They are an unregistered, unregulated brokerage firm of some sort and do not comply with U.S. laws. In other words, they are illegal and should never have been able to charge my debit card in the first place. I am attaching a document from XXXX that the SEC published that backs up the fact that XXXX is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX: XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX Proof : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.

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 2017-03-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
InXX/XX/XXXX I made a XXXX payment to XXXX XXXX which was only one of multiple payments I had made out of that account towards that XXXX. For some strange reason USSA called that particular payment fraudulent activity and took back the XXXX payment which caused XXXX XXXX. I was all caught up on my payments and then USSA decided to get my XXXX repossessed which put a repo on my credit report that I do n't deserve. Not only that but I traded my XXXX XXXX XXXX on that XXXX so in affect they also took my XXXX XXXX and all the money I had spent on both vehicles. The reason for doing all this is because when I called to get my card released from hold status the person at USSA I spoke with decided that my voice did n't sound as old as my birth date would have suggested. Because of that my XXXX was repossessed on XXXX XXXX XX/XX/XXXX and my credit ruined. As if all this was n't enough, The last direct deposit I had sent to that account came up missing.I had taken my money I had saved from the month before out of the USSA account and had changed my direct deposit over to XXXX XXXX XXXX. The last one went into the USSA account but the money disappeared out the account and now they are trying to XXXX me out of the money as well as what they did to my XXXX and leaving me stranded for a year now..What recourse do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage company will not allow me to make a partial payment and in turn charges me late fees on the full balance

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 2021-01-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I have an account unknown to me with XXXX which seems to be a prepaid money card. 

First I received a email from them telling me congrats on opening an account with them. 
I meant to contact them at that time. 
Also there was another email of the same, except for it had some other person 's name in it sent to me. 

So I do not know what is going on with that! 

Then I just received in the mail a XXXX pay card - which the card is missing from the envelop. 
So I tried calling their listed number XXXX But without that card I don't have the card number it asks for, in order to go any further in their automated system. 
I do not want to enter my social security number it requests to do so - I do not know this company. 
And everything seems so fraudulent already. 

So I need two things please : Any and all accounts with XXXX closed. 
Explanation of how these accounts are being opened. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to contact the mortgage servicing company ( Roundpoint Mortgage Servicing ) for weeks to unlock my account. The account was locked because I was forced to change my password and was unsuccessful trying to log in afterwards. I have called the customer service number numerous times, and always get the message " we are experiencing high call volume ... '' etc. I have tried the option of having them call me back, I have e-mailed them, and I have waited on hold for hours at a time. It appears as if they have nobody actually available on the customer service line. 

In any case, I am unable to log in and am unable to contact them, so I can not get any information about my loan, tax info, or more importantly I can not ask other questions that require speaking to someone. Please help.

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 2021-01-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I keep receiving emails that I owe money to ace cash services for a {$500.00} loan that I never applied for nor accepted theyve threatened me with arrest seizure of my stuff court case lawyers legal fees threatened my financial stuff and these emails have come from two totally different people from two different states but any time Ive replied and asked they say ace cash I called ace cash this morning and they talked to me over the phone and said that I dont have any loans through them nor do I owe them any money what so ever. I googled this and it seems ace cash has a possible scam or that people have been impersonating them they told me with my name and email I had no loans through them because nothing popped up on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I file chapter XXXX bankruptcy on XX/XX/XXXX. It was dismiss on XX/XX/XXXX, the case was reinstated to a chapter XXXX on XX/XX/XXXX. My case was discharge on XX/XX/XXXX. I keep calling and mailing my bankruptcy case information to this company, and they failed or wo n't updated my credit report with XXXX to reflect the correct information. This company just did a update as of XX/XX/XXXX to collect on this account still showing a open collection on XXXX and XXXX.

Company response to consumer: Closed
Consumer complaint received 2022-10-13
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I entered into a scam agreement to purchase items from a XXXX account by the name of XXXX XXXX on XX/XX/2022. The account holder asked for an upfront delivery fee to drive the items to me. They asked for {$110.00} to be sent over Zelle to set up delivery for XXXX. The delivery never showed up and the account did not respond to multiple subsequent calls and messages on their XXXX account. The Zelle email address the payment was made to was XXXX and the name given for the bank account was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Verisk Analytics 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: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/2022 I EMAILED THIS COMPANY AND ATTEMPTED TO CALL THEM. I SENT THEM AN EMAIL INFORMING THEM NOT TO SELL TRADE OR USE ANY OF MY INFORMATION THAT THEY OBTAIN FROM ANY COURT. THIS COMPANY USED MY PERSONAL INFORMATION FOR PROFIT AND IS CAUSING MY CREDIT RATING TO DECREASE MAJORLY. THIS COMPANY PROVIDED MY INFORMATION TO XXXX WITHOUT CONSENT. XXXX PREVIOUSLY DELETED THE INFORMATION BUT HAS SINCE REINSERTED IT. I DO NOT ALLOW LCI, VERISK FINACIAL LCI, OR ANY OF ITS AFFILIATES TO SELL TRADE, OR USE MY INFORMATION FOR PROFIT. I CONTACTED THE UNITED STATES BANKRUPTCY COURT AND WAS TOLD THEY DO NOT SELL OR TRADE INFORMATION FOR-PROFIT TO ANYONE ABOUT ANYONE. I CONTACTED XXXX AND LCI. XXXX AND LCI ARE BUSINESS PARTNERS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: DISCOVER BANK
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover Card has called me numerous times a day. I have told them I am at work and they ca n't just keep calling me so many times a day EVERY day! The most frustrating days I feel like it 's harassment is when they call an hour apart. They do n't leave a voicemail when they call, so they call you to pretty much accomplish nothing but annoy and bug you. People are busy and ca n't answer every harassing call, leave a ( This is all MST ) XX/XX/2017  calls at XXXX and XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX XX/XX/2017 calls at XXXX, XXXX and XXXX XX/XX/2017  calls at XXXX, XXXX, XXXX, and XXXX ( This day I got upset with a representative and asked that they not call me so many times, it 's harassment. It 's probably why the calls stopped for a few days. ) XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX XX/XX/2017 call at XXXX XX/XX/2017 call at XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX, and XXXX  XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for two Credit Cards from two different Banks. Bank of america was seriously delayed so I called them. On the phone I was told I had a Freeze. I removed this a Few months back when I punched Land. the operator said I had a freeze but since she had me on the phone she said I can re-submit my application once again then put me on hold. So I got on my laptop to confirm if I was being lied too. I see on my laptop that I had not Freeze and that I was being lied too. The Bank assistant get beck on the phone and states '' Congrats you are approved for {$7000.00}. I told her wait! I just checked my Credit card Company that I placed a Frees on and Removed that Freeze and there is NO FREEZE! i said you lied to me! your Company lied to me. I said because you delayed my credit you had to lower my amount because as you can see XXXX XXXX gave me {$10000.00}. Because your company delayed my card and then used an excuse that I had a Freeze and as you can see this resubmission you did not mention on the then Siad because of your negligence I can not use you and do not want it. She then stated well, I have to read you these 4 things. I then just hung up. 
Well, I then get a letter from the Credit Card Company, Bank of America stating " At my request they have cancelled my Application. A second lie, because it went beyond Application and is Approved for {$7000.00} and Bank Assistant stated! Then lied and said my income is insufficient. I applied for a loan just a week ago and was approved for {$50000.00}. Then Bank of america threw in another lie stating I was denied because of no deposit or investment balance. 
Remember the woman on the phone told me I was approved for {$7000.00}. and still continued to lie writing we make decisions with current economic situations etc., etc. They did not mention the reason was becasue they dragged their tails and then lied and said I had a Freeze to cover themselves. Then Approved me for a Lower Amount then spewed out lies to cover their tails! Have to make this short your system stated I must hurry up or be timed 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