BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Purchased  XXXX   XXXX  on  XXXX   XXXX  for {$4800.00}. After a couple weeks they froze my account and say that Im unable to purchase after doing business with them for a couple years.  <P/> In addition I made on sell order on the   XXXX   XXXX   when the price of  XXXX  fell from  XXXX  down to  XXXX . During that time I was unable to gain access to the site to complete the transaction until the price had recouped. Many users are experiencing similar issues on the   XXXX   support website.  <P/> Here are just a few of the other companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I transfer in {$1500.00} on XX/XX/XXXX. In XXXX and XX/XX/XXXX statement, the ending balance is over {$1500.00}. So I thought I should not get any monthly service charge because my balance is over {$1500.00}. 
I did not get any paper statement. I did not login to check my account until this XXXX. I found I got charged {$12.00} every month, total near {$300.00}. 
I called Citi bank on XX/XX/XXXX, I was told that she could not see my XX/XX/XXXX balance. Then transfer to supervisor XXXX. He told me same, he could not see my XX/XX/XXXX bank statement. He could not help me much because they could not get my balance in XX/XX/XXXX and asked me to go to local branch, although I was able to see my XX/XX/XXXX bank statement online during the call. There is no Citi branch within 200 miles of my place. 

I have XXXX begin balance and end balance in XX/XX/XXXX. Then I got $ XXXX  monthly service charge every month since XX/XX/XXXX. I did not know it because I have never gotten a paper bank statement. 

I got 2 monthly fee refund on XX/XX/XXXX. 

I transferred in {$300.00} on XX/XX/XXXX, bring my balance over {$1500.00}, so I should not get any monthly service charge. 

I checked again on XX/XX/XXXX, I found I still got monthly service fee on both XX/XX/XXXX and XX/XX/XXXX. Glad I transferred in extra money to make my balance is still over {$1500.00} after the $ XXXX   monthly service fee, otherwise I would keep getting charges. 

I called Citi bank again on XX/XX/XXXX, they tried to waive my two monthly service fees and got declined. Then the phone was disconnected when I was waiting for talking to the supervisor.

The bank statement was really confusing and the bank kept charging  me even my balance is over their minimum balance requirement to waive the monthly service fee. They could call me, or send me a paper statement, rather than keeping charge me. 

Please waive all of my monthly fee over since XX/XX/XXXX. 

Thanks

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 2021-12-09
Company: Midwest Acceptance Corp.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midwest acceptance is garnishing my wages For a vehicle They reposed 20 years ago the vehicle is XXXX XXXX XXXX but they claim due to interest accumulation I owe over XXXX $ I never got a chance to dispute or anything it didnt even show up in my credit report and I bought a home last year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: TN
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 attempted to make a Payment to   XXXX   XXXX  a  old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from  3rd p arty.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two th ings : : : They do n't have me  as a credit collections c lient and therefore it should be remove according to FCRA la w [ 623 ( a  ) ( b ) ]. Or ....     Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law  [ 623 ( a ) (  b ) ] should also be removed.

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 2017-04-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a modification due to falling behind two pmts and have been dragging 60 days late when started a buisness, my property taxes increased created a big shortage, loan due to be adjust in   XXXX   to a higher rate. I received a modification package offer is ridiculous 2 % 1-5 then afterwards keeps adjust higher up until 10 years w/ a Balloon note of $  XXXX  at the end of term and to top it off they added more years to my note when what I am looking for is less years roll my shortage and payments and reduce years fix rate ... this would put us @ 78 years of age and still have to pay $  XXXX  Balloon note at the end of the term. from a loan of  XXXX  balance to pay off an average of $  XXXX  which includes the  XXXX  I Honestly do think they are trying to help us? No I do not thinks so! we owe approximately 27 %  XXXX .     I DONT CARE IF MY LOAN PAYMENT IS {$2500.00} A MONTH BUT I WANT A FIX RATE  XXXX  OR 15 YEARS DONT WANT MORE YEARS TO MY NOTE. ***THEY HAVE ALL THE DOCUMENTATION THEY NEED FROM ME.     YOUR ASSISTANCE IS MUCH APPRECIATED.      XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: LA
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:
This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 XXXX Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report experian consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX ( Fraud Victim Assistance Department XXXX XX/XX/2022 XXXX I provide a police report which I forgot to upload in my last complaint

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 2017-04-24
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In  XXXX     2016, I ma de the decision to refinance {$6500.00} in student loans to a variable rate that was significantly lower than the fixed rate I was paying. I refinanced with  XXXX   XXXX , who uses Navient to service their student loans.     At the time I had  XXXX  student loans,  XXXX  of which had a 5.75 % or higher interest rate. The remaining loan had a variable rate under 2 %. I secured a variable rate under 3 % to refinance the  XXXX  high-rate loans, and specifically requested to Navient not to apply any payments to the sub-2 % loan.     When the refinance was completed Navient applied the monies to ALL of my loans equally - including the low-interest loan, against my instructions.     I called Navient. They did fix it for me promptly, which led me to give Navient the benefit of the doubt at the time.     I am writing to complain now after recently learning that Navient is being sued by the federal government for consistently misapplying payments by thousands of other borrowers. The fraud detailed in the lawsuit absolutely happened to me and it is now clear that their behavior was done deliberately in the hopes that I would not notice the error.     I am extremely frustrated and disappointed that Navient operates in such an unethical and fraudulent manner to squeeze extra profit from its clientele, and that I now feel I have to waste precious time double-checking every transaction. I want to further shed a spotlight on Navient 's abusive practices and warn others to be careful in their dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank has recently been acquired by Simmons Bank. I contacted in person the branch president XXXX XXXX about the bank not processing my weekly payments correctly. I have a monthly home mortgage payment of {$1000.00} at 5 % interest rate. I have it set up, just as with XXXX XXXX, to apply weekly payments of {$300.00} to my mortgage to save on interest charges. XXXX passed the buck a few different times and is unwilling to help me. He assigned XXXX XXXX to the task and she has worked very hard to get the problem resolved with the home office. They " hold '' my weekly payments until there is enough to make a full monthly payment and then apply the payment. She was told thats just how they do it so i called myself. I talked to the loan processing department and the representative, after speaking via email with her superior, informed me of the same thing. I explained it was unfair and asked to have her supervisor call me to discuss. This whole process has been ongoing since early XXXX. I am fed up and would like some help. thank you, XXXX XXXX personal cell XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received another debt collection letter from McCarthy Burgess and Wolff in the amount of XXXX. 
XXXX XXXXXXXX XXXX XXXX on XXXX/XXXX/2021 and then I received collection letter dated XXXX/XXXX/2021. ( approximately 20 days ) there is no balance on the account XXXX as it stands now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions 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:
I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under Any open end consumer credit plan as late for Any purpose.

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 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a  XXXX  form dated for  XXXX  from FIA Card Service s, N.A. in rega rds a Bank of America account  ( cre dit card ). I have sent numerous letters all three credit bureaus and to Bank  of A merica asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,  XXXX   XXXX ,  XXXX  my credit report still shows a balance owed of {$17000.00 } ( th is is not correct and is severely damaging my credit reports and credit scores  ). I  demand action and my credit report be updated immediately. I also want a letter from Ba nk of America/FIA Card Services, N.A. st ating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.

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 2021-12-10
Company: Experian Information Solutions Inc.
State: NY
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 have made several request for Experian to remove a number of items from my consumer credit report, Experian has refused to remove a number of my request. Experian removed a few of the items after not being able to verify them. I am still struggling with them about certain items. I recently sent proof of my identity theft report as well as the laws stated/backed by FTC about removing/blocking items at the request of the consumer who is a victim of identity theft. I will submit my proof here as well as I am seeking my fair right as a consumer to have these items removed. The items are XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2019 I decided to set up automatic payments with Discover Card to ensure I was not as risk of submitting late payments. I utilized Discover 's instant messaging interface on the website. Upon indicating to the Discover customer service representative about my intent ( I have documentation of the correspondence ), the website timed my account out, therefore, indicating to me the customer representative set up my automatic payments. Unfortunately today I received a notification via XXXX XXXX that Discover issued a negative report against my credit score. Upon attempting to resolve this with Discover by paying the balance immediately, I was lied to by customer service agent XXXX XXXX who indicated it was illegal to make such corrections and disputes to previously submitted reports. I was also given information that Discover representatives indicated would not help my situation however would get me off of the phone. Before Discover sent the report to the collection department Discover did not attempt to contact me via phone nor text to indicate I was a past due amount on my account. I believe as a customer for 11 years, in excellent standing Discover should have at least followed up regarding the automatic payments, attempted to contact me before reporting to collections, and not lied to me in hoping to qualm by attempts to rectify the situation. It appears this might have been done maliciously in an attempt to accrue interest on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had filed a flaming of {$1900.00} because a package not delivered saying it was delivered. Its been past the 120 days almost 180 days now. Ive called every day since I filed a claim because I never got my package. Since the beginning the consumer Shouldve asked for the signature that was supposedly signed at the door. Not the merchant just sending dates and numbers of when it was delivered because when it was delivered it showed that someone signed at the door. Every time I call again they say the last agent gave Miss information but its all lies. When I called the most recent time they said they got information saying someone signed and that it was XXXX XXXX which doesnt make sense since its supposed to be a signed signature of my name.

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 2017-04-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
There was to purchase I made fro m Amazon.com that w as returned and still showing on my bank statement. On  XXXX   XXXX , I contacted  XXXX  regarding a purchase. I placed on  XXXX   XXXX ,    2016 fo r the amount of {$280.00} and also on  XXXX   XXXX ,  2016 for t he amount of {$320.00}. Amazon stated that I was refunded. So I contacted Synchrony Bank to ask why is these charges still on my account and the payments I have been making was going towards these purchase that was returned. For the last three weeks I been back and forward to Amazon.com and Sympathy Bank backwards and forwards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I dont know every time I was called scammers or who, because after I approved capital one credit card and also made purchases on the card already, then they frozen my account ask me to send in ID copy and SSN card copy and utility bill statements just for verifying I am the card holder or not, This very songs like scammers but my capital one credit card account is frozen, But anyway I did send in my ID, my tax forms from recent years, and my address utility bill statement, but still not work, the person whos on the phone must ask me to send in my SSN card copy, I just got confused, thats how capital one credit card company let us know how to protect identity by ourself? or thats just the ways making you guys workers easy? who told us dont sending any personal information documents to anyone or email or fax? why dont face it up? As a bank credit union , a public establishment, what can our users trust you?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: OneMain Finance Corporation
State: NC
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:
In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 
15 usc 1681 section 602 state I have the right to privacy.

15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 usc 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: IN
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation