BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: CITIBANK, N.A.
State: NC
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:
In XX/XX/2020 i received a check to pay the balance for the debt that i sent to the company, they sent a 1099c and refunded me the funds i had sent as they cancelled the debt and promised to remove. I have reported them to the FTC as well as called several times with no letter or 2nd copy of my 1099c for my mortgage company and was hung up when I requested them to honor the FDCPA and remove the debt as it was forgiven, which under the FCRA then they aren't allowed to be reporting this debt, I have 2 other debts with them that were also forgiven but no 1099c provided and are still on my report from the same company.

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 2022-12-14
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
After updating insurance information with PHH Mortgage I was informed via a letter that I would be charged {$860.00} for forced placed insurance for the period of time that there was no insurance on the property. This time frame was XXXX to XXXX. This gap was less than 3 months due to the prior insurance company never sending a payment letter. That company also never informed PHH of the cancellation. There were no claims during this period. PHH Mortgage makes it next to impossible to contact someone at the insurance servicing center. It took over an hour to contact someone and when I finally did, the call center informed me they were in XXXX and not XXXX. XXXX from the insurance department informed me PHH Mortgage just last month they reached out to the old insurance company and found that the policy had expired. We are now in XXXX of 2021 and PHH is just now getting around to updating their insurance records. 
PHH Mortgage sent copies of papers after my initial complaint which were irrelevant to the issue. The paper did not address the fact that they did not know at the time that there was no insurance in place. Secondly, the mortgage contract clearly states that forced place insurance can only be put in place if there is no insurance currently on the home. Prior case law shows that lenders can not force place insurance on prior gaps of insurance, only hwne there is no insurance currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I disputed inaccurate on my credit report advising the bureau to validate the accounts if they were unable to validate then remove them off my report. The letter was sent over 30 days ago and I have not received a response. 

The inaccurate accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am new to USBANK and am very concerned with their unethical ways of charging overdrafts. I have had several instances where I will have a total of {$100.00} in my account and my total charges come to a total of {$110.00}, XXXX leaving me with a negative balance of - XXXX I accept blame for this but where their practices seem shady is where they will charge me {$36.00} overdraft fee for EACH item that comes through within that time frame .. instead of XXXX over draft of {$36.00},. they tell me they are charging me for EACH item they had to pay for in that time frame. Even though they already " pended '' out all current charges and subtracted them from my available balance so they could not be used and that XXXX transaction caused me to overdraft .. they charge me for MULTIPLE overdrafts. Now, i understand they had to pay the negative item transaction that came through which made a difference of negative {$10.00} that there was not sufficient funds in my account to cover it but to tell me they charged me {$36.00} for transactions that I clearly had money in there to cover all items besides XXXX is ludicrous. They then charge me an additional {$180.00} XXXX XXXX overdrafts at {$36.00} each ) causing me to become more in debt and then more overdraft fees. I already live in poverty and {$180.00} can go a VERY long way. I have talked and emailed a formal complaint to USBANK themselves with no help. I talked to a customer care rep today by the name of XXXX and she tried to explain the overdraft working of their bank. This did not help and left me more confused. XXXX instance is, my account statement clearly states I had {$23.00} in my account when a debit charge came through for {$8.00} leaving me with an available of XXXX I was charged {$36.00} overdraft fee leaving me with a negative balance of - {$20.00} which in turn caused a {$7.00} transaction to be hit with a {$36.00} overdraft fee. When does it end? I now know the reason why more people are using re loadable visa cards. Their online banking is also very confusing to which I think is on purpose to collect more overdrafts. They also told me the monthly statements do not reflect how the transactions are taken out of my account? How is this possible? and how is it possible for me to see what is going on with my OWN MONEY when they do whatever they want. 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 2021-09-27
Company: NAVY FEDERAL CREDIT UNION
State: WA
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:
When calling in to Navy Federal Credit Union for the last two months customer service representatives have been unable to locate accounts and asked me if I am sure I had credit cards with Navy Federal Credit Union, resulting in me able unable to make payments. This is the only payment option available due to the current restrictions on account. When calling in to Navy Federal, Credit Card accounts are not linked to SSN but they report credit cards to Credit Bureaus utilizing SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: MS
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:
Experian and XXXX XXXX is reporting a bankruptcy on my credit report. Experian claims to have verified this information through XXXX XXXX. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to Experian or XXXX XXXX. Experian is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from XXXX XXXX that means their information is inconsistent and inaccurate as well. XXXX XXXX and Experian are both unable to verify this information with the ORIGINAL CREDITOR. SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my credit report.

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 2017-03-14
Company: PNC Bank N.A.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
this loan was discharged in a bankruptcy in 2010 and PNC will not take the lean off of our house. I am a widow, XXXX years old and have to handicap XXXX.. I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I wasa incarcerated while in XXXX, NV. All my belongings were in my vehicle at the time. Someone went into my vehicle and used my debit card for a number of transactions on my account. i filed a dispute with Wells Fargo. They investigated with no communication or without asking me any follow up questions and then denied the claim. They did not ask for any paperwork showing I was incarcerated and when i asked if they needed that I was told no.

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 2020-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
A overseas company XXXX  is charging me for airline tickets which were booked by them for wrong date of travel, we were assured by the travel agency company that it will be corrected, it was 3 months in advance booked. 
Booked airline tickets for 5 passengers to XXXX on XX/XX/2019 through XXXX XXXX  website. With date of departure XX/XX/2019 and return XX/XX/2019 for a total charge of {$1300.00}. Paid through Capital one credit card. 
Received confirmation email for reservation on XX/XX/XXXX but the dates of the itinerary were wrong it showed date of departure XX/XX/XXXX and return XX/XX/XXXX, which was totally wrong as the vacation was the thanks giving break. 
Immediately called XXXX XXXX  and notified them of the wrong dates. 
Representative apologized and said they had problem with their website and they will fix it to the correct dates. 
A form from XXXX was emailed to me which I filled and submitted, this was on XXXX 2019. 
XXXX XXXX  kept on stalling me and I was not getting anywhere close to where they were correcting the dates. 
I on XX/XX/2019 called capital one and advised them of the problem and my account was credited back. 
I called XXXX and advised them that I have called my credit card and advised them of my issue with XXXX XXXX  and have stopped the payment on this itinerary, but am willing to work with XXXX  if they correct the dates. The representative at XXXX said as I had disputed the amount and XXXX had returned the money to capital one they could not help me. 
I booked my tickets with another company and when I came back from my vacation i saw capital one had recharged my card. 
I am going back and forth with capital one, being put on hold for long period of time recent one was 1 hour and 38 minutes. 
Every time i am advised some one is going to call me back from the escalation team but no one has called me back. 
I am very frustrated and feel helpless it seems to me that Capital one is betting on that so I give up. 
I request your intervention and help me please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
been a customer for years. had a tenant default on a lease and have med ical bills so i paid my bill less XXXX dollars this bank charges XXXX dollar minimum interest which is nuts. it means i will use it minimally. i hate the greed reflected when i am told interest is valid i did not ask that i asked for it back. my business is valid and now can not conitnue. other banks give me money off my bill for loyalty this one wants XXXX dollars of interest despite my good status so i can not use it again. i await the refund. you need to spend mess time with scripts and ore getting to know customers. thank you please do not respond witha script or you already refunded me. i am aware of how itnerest works and your response need not include that explanation. i am now unable to use my card further as my time is better spent getting wealthy than fighting for interest wehich only you make me do. and in turn i can not use the 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 2020-04-04
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collections on behalf of XXXX XXXX XXXX - {$1400.00} ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/18 I was to move into XXXX XXXX Apartments. I moved in after-hours on Friday, XX/XX/18. When I entered the apartment, there was a strong foul smell of mold. The apartment was not clean and I was concerned about the shabby construction ( particle board cabinets, kitchen/bathroom counters, and closet walls, and a craft spray-on paint for counter surfaces ; also, visible mold and a water leak under the kitchen sink ). On XX/XX/18, I spoke with on-site assistant manager XXXX XXXX to tell her that the condition of the apartment was not acceptable and that I did not intend to stay. The apartment was completely different from the model I had been shown. She did not offer me options. I stayed a few more days, but the mold smell gave me migraine headaches. On XX/XX/18, I verbally informed Ms. XXXX I would be vacating before the end of my first month. She said I'd need to speak with the Property Manager, who was away on vacation. On XX/XX/18, I met with Property Manager XXXX XXXX and told her I would be vacating before the end of the month ( XX/XX/18 ) primarily due to the hazardous condition of the apartment - a bait & switch, but also due to having lost my job in a workforce reduction lay-off. I paid {$660.00} XXXX on XX/XX/18 ) for first month 's pro-rated rent and utility deposit, and {$250.00} rent deposit ( on XX/XX/18 ). Per my conversation with Ms. XXXX, I cleaned and vacated the apartment on XX/XX/18. On XX/XX/18, I emailed Ms. XXXX to inform that keys were being mailed back, utilities already shut off, and I attached both my Move-In Inspection Report and photos of the poor condition of the apartment. I sent keys via Certified Mail on XX/XX/18. I did not hear from XXXX XXXX XXXX until a " Notice Of Intention To Impose Claim On Security Deposit '' arrived XXXX dated XX/XX/18 ). The letter stated they were keeping my full deposit and subtracting it from a bill for {$1700.00}, leaving me a balance to be paid of {$1400.00}. I could not and did not pay this sum. This matter has been turned over to a collection agency, derogatory marks have been placed on my credit reports, and solely due to this action, my credit score is declining. I will not be able to purchase a home and can be denied employment for this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Prior to and since  the Lender recorded a Notice of Default i n  XXXX   2017 , I have diligently pursued a foreclosure alternative, such as a loan modification, or short sale.   However,  Fay Servicing h as given me a very hard time regarding submitting the proper documents.    Fay Servicing ha s verbally demanded that I submit a  XXXX  form without the third-party information filled in.   Please see my most recent cover letter to my last document submission. I also copied the IRS office regardi ng Fay Servicing 's misconduct. In addition, I have filled out a complaint form with Nevada 's Mortgage Lending Division in an effort to get the regulators attention regarding Fay Servicing 's blat ant disregard of state and federal laws.     Please be so kind to review these circumstances and st op Fay Servicing from s team-rolling its foreclosure process on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: UMPQUA HOLDINGS CORPORATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Saturday XXXX XXXX, A recent payment of {$2400.00} on your Mastercard account was returned unpaid by UMPQUA BANK I've been at umpqua bank maybe 3 years ago, and stayed with them for 1 year. This payment was made to pay off my credit card, which would be in year XXXX, and just on the XXXX of XXXX I get a notification from my credit card company that they NEVER received the payment of {$2400.00}! HOW ABSURD! Now my credit score has tanked because of this return! Not only I have paid on time years ago, but now I have to REPAY this amount! How insane!

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 2021-09-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a hotel with Chase Sapphire Rewards using points for one night on XX/XX/2020 in XXXX XXXX. It was XXXX points ( equivalent to {$160.00} ). The reservation was originally listed as " nonrefundable ''. 

Here is the reservation information : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Al, XXXX XXXX XXXX Reservation dates : XX/XX/2020 - XX/XX/2020 Itinerary # : XXXX When my trip was approaching, I could not travel out of the country due to COVID-19 and XXXX put out a policy saying that it would refund all reservations during this time, even nonrefundable ones. 

On XX/XX/XXXX, I called Chase Sapphire Reserves to cancel the reservation - they put me on hold and called the hotel. They came back on and told me that they couldn't cancel the reservation and refund the points until the hotel cancelled it on their end and agreed to refund it. They told me that I needed to email the XXXX XXXX hotel and request this. I called and emailed this hotel multiple times - there was a significant language barrier as you will see in the attached email correspondence. They kept telling me that I booked this through XXXX and paid in cash, which is not true. I finally got them to tell me on the phone that they had never received any money for the reservation, and they would honor the cancellation. 

I have called Chase Rewards back 3 times since then, each phone call taking almost an hour with wait times - every time I got through the same process of them calling the hotel, then them telling me to email the hotel. I explain that I have already done this and that they just need to refund the points at this point. Twice now, the agent has said that they are filing a request with the hotel and then once the hotel confirms their cancellation policy, they will refund the points. The trips dates have now come and gone and still now refund - now I can't even reach an agent with Chase Rewards because my trip isn't within the next 72 hours. 

I want either a credit in points or dollars for what I am owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX & XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation