BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I paid off the balance of my Bank of America credit card right before a scheduled 10-day trip to XXXX, because I wanted to use the credit card for my purchases in XXXX. Just as I embarked on my travel, Bank of America reduced my credit limit by more than {$2000.00}, without any warning, and in the middle of my billing cycle. Bank of America deprived me of credit during my travel and they were totally indifferent to my appeals to them to restore my credit limit. As a result, I experienced a serious shortage of funds during my travel. I was traveling with my family during the time ; by taking away my credit, Bank of America did not merely inconvenience me -- they created a real crisis that endangered me and my family. 

I would not have paid off the balance on this credit card if I had known that they would take away the credit that I wanted to make available by a repayment. 

Bank of America did extend a " temporary authorization '' of {$500.00}, but this was wholly inadequate to pay for travel expenses during a 10-day trip to XXXX. I explained this to Bank of America and they were completely indifferent to the serious crisis that they inflicted by their credit reduction action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I received an email from Coinbase.com that some money had been added to my account. This made no sense to me as I did not do this. I tried to log into my account and discovered my password and dual-authenication no longer worked. I then received an email on XX/XX/XXXX from Coinbase that they were aware that a third party had compromised my login credentials. I immediately contacted Conbase for assistance and it took until Monday XX/XX/XXXX before I was able to regain access to my account. It was then that I found my Coinbase account was hacked and all but a few of my Crypto currency shares were sold without my authorization. I created new password, changed authentication apps, and closed my personal bank account and terminated the link with my Coinbase account. It's been vitrtually impossible to get any help out of Coinbase. The only correspondance from them was in an email were I had to answer 9 questions regarding the situation. So, Coinbase knew of the attack, and of my losses, and evan after my implementing new security protocols, again on XX/XX/XXXX my account was hacked and the remaining shares were then sold without my authorization. It seems that Coinbase did not take any immdeiate measures proactively to guard my account nor have they be forth coming with any kind of info regarding my situation and what the investigation status is if any. The following transactions were unauthorized and I have plenty of documentation to back it up. This info has also been provided to Coinbase. 
A ) Bitcoin ( BTC-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$24000.00}, Payment method BTC Wallet , Coinbase fee {$79.00}, sub-total {$5300.00}, distributed {$5200.00}. 
B ) Ethereum ( ETH-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$1600.00}, Payment method ETH Wallet , Coinbase fee {$240.00}, sub-total {$16000.00}, distributed {$16000.00}. 
C ) Doge ( Doge-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$0.00}, Payment method DOGE Wallet, Coinbase fee {$2.00} sub-total {$85.00}, distributed {$82.00}. 
D ) Bitcoin ( BTC-USD ) Sale reference code XXXX, shares sold XXXX, price per coin {$24000.00}, Payment method XXXX XXXX XXXX XXXX XXXX XXXX, Coinbase fee {$14.00}, sub-total {$980.00}, distributed {$1000.00}. 
Thank you for your time and any assist will be egreatly appreciated. 

Regards. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Willful non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e On ( XXXX/XXXX/XXXX ) I wrote to ( Equifax ) to request verification of a BankruptcyXXXX regarding CA FED BK-XXXX Ca. XXXX, which they have been reporting to the credit file. I formally disputed this claim. I not only disputed this claim for verification and validation this Bankruptcy within 30 days of receiving my certified letter ( receipt number XXXX XXXX XXXX XXXX XXXX XXXX ) received on XXXX/XXXX/XXXX. Equifax not only failed to provide me with verification, they did n't respond to me at all and continue as of today XXXX/XXXX/XXXX to still report to the credit bureau, which has been detrimental to my credit score for a Bankruptcy they were not able to verify. Let me explain. 

I am including all documents to show that Equifax is making false statements and representation. First off Equifax did not respond to me since XXXX XXXX, XXXX i included my receipt to my certified letter. Before I sent another dispute to them prior I had put security freezes on XXXX, XXXX, XXXX, XXXX XXXX have documents to show proof if needed. ( see dates ). 

I have also included the letter from the XXXX Court stating that they do not report to any Credit Bureaus. I have also included the letter I received from Equifax stating they verified it with XXXX XXXX after the time the security free was started " How is this possible which has been detrimental my livelihood and my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found fraudulent, unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2020-04-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a explanation from SPS servicing today XX/XX/XXXX. In this letter it's states that I owe XXXX + an additional {$34000.00}? That brings the total {$150000.00} for this home? If this home was sold you would never receive that price. You never answered to me why this balance never goes down, with this modification loan. I thought a modification is to help you, not to destroy you. My cousin also who lives in Florida got a loan modification, several years after me and her balance has come way down. Me, mines has tripled and will never come down. Why does SPS servicing have a bad XXXX rating, and it definitely shows in the way people are treated by them. My ex bought this home in XXXX for {$89000.00} that's over 21 years ago. What's the purpose of a loan modification, if it's not helping? My Congressman XXXX said that you're doing this to make a profit, when you can eliminate a portion of the debt, and allow me to pay less than I originally borrowed. He said I should be getting a principal reduction and a lower interest rate. Why did you send me another application for a loan modification?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 've sent a request to get validation on my current vehicle account and I 've never received a response. I 've had great payment history with this company since XX/XX/2013. They reported a XXXX day late payment and I 'm unaware of the late payment.

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 2015-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage service provider ( SP Servicing ) has failed to remove private mortgage insurance ( PMI ) from the loan while overcharging on their escrow calculations. Furthermore, the service provide has refused to remove the escrow account. XXXX requests were in accordance with Federal and State of Texas law. The service provide has also paid of home insurance XXXX on separate occasions, and failed to pay on time on another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
Sir/Ma'am, Citibank claims to have paid the vendor - XXXX ( a business based out of XXXX XXXX , Florida, XXXX XXXX XXXX, Contact : XXXX XXXX XXXX XXXX ), {$980.00} on my behalf through my credit card account in XXXX 2015. 

They paid the vendor initially through my credit card account ending with XXXX, then reversed the amount when I disputed it. Then they closed the account ending with XXXX and provided me a new card ending with XXXX. 

Subsequently, they charged the full amount of {$980.00} back to the account ending with XXXX. 

The vendor who owes me a refund of the full amount ( {$980.00} ), claims that Citi Card never paid them the second time after reversing the charge the first time. I have been calling up Citi Card customer service for the past 5 months to get proof of payment made to the vendor so that I can submit the proof with the vendor and receive my full refund. I have already paid Citi Cards as part of my monthly payment. 

Citi bank refuses to provide any sort of proof. They keep hoodwinking me after making me jump from one person to another and making me wait on the line for 45 minutes to one hour every time I call. They claim that they will email the proof to my email address and they never send it. And they refuse to stay on the line until I receive the email. They promise me that someone will call me back and no one does. 

It 's been five months and I have no clue where my money is ( {$980.00} ). 

Citi bank tells me it is with the vendor 's holding bank ( XXXX XXXX XXXX : XXXX XXXX XXXX ) and the vendor, XXXX, tells me their bank never received the payment from Citi. 

I have, frustratingly, been patient with both the vendor and Citi bank for the last 5 months and I 'm coming to you as a last resort. 

If Citi bank can provide me or the vendor with proof of payment, then I can receive the refund from the vendor. 

The vendor also asked me to ask Citi bank to open a formal investigation with their compliance department but Citi refuses to do so. 

They even refuse to provide me with a case number and I have to explain the situation every time I call to every person that my call is transferred to. 

They have harassed me for the last 5 months and have not been straight forward or helpful. 
Thanks & RegardsI demand that Citi resolve this issue immediately and help me in getting my money ( {$980.00} ) either through a refund from the vendor or recompensating me directly, depending on which party has my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chime bank does want to give me my money back after fraudulent transactions. Charge from XXXX who I don't have charge of XXXX on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Regarding Citi XXXX credit card account. Citi XXXX card was cancelled by Citi on XX/XX/2016 citing concerns about payment. The letter did not explain the detail of concern leading to the cancellation. 

Prior to cancellation of the account spending requirement was met for XXXX status in XX/XX/2016. Prior to cancellation spending requirement to earn free weekend night in XX/XX/2016 was met. None of these benefits were delivered prior to the account closing. 

In addition cancellation has also negated any benefit provided under the annual fee. The legitimate use of citi 's credit services that qualified these rewards can be substantiated.

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 2021-09-28
Company: EQUIFAX, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently applied for a loan and they stated that my car loan has not been reporting on my Equifax report. I tried calling XXXX and they stated that he has been reporting but I am also not seeing it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to receive my credit report online as described on their web page. I have tried several times over the last year and it will not allow it. I think the process to get a copy mailed is too complicated and they are doing this on purpose. There is no logical reason I shouldnt be able to get it online. I am asking your department to find out why they cant and do they do this to everyone. 
This company is XXXX. I believe this is unethical, if not illegal.

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 2019-12-06
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On about late XXXX or early XXXX, I requested internet service from XXXX XXXX, the original creditor name. 

They didn't mention any possible problems in giving me service and in-turn made me feel confident that they could provide a good service. 

At this point they came out to my home and installed a small dish. After finishing the installation, the installer said, there you go, it's up and running. Turned out, their service wasn't working. 

Within that first day, after the installer left my home, I reported to XXXX XXXX, I was having a connection problem. 

They swiftly sent a repairman to my home the following day. 

After checking my system, the repairman told me the problem was with their tower and it would be fixed immediately. 

About the third day, I reported still having a connection problem. 

Again they sent out a repairman. This new repairman said the area-sender was having problems. He stated that XXXX XXXX was working on the trouble as we speak. 

The following day I reported having no service again. They got snooty and said their working on it. 

A good week and a half later, having no service, I called XXXX XXXX and requested a manager. I asked him to cancel my service, and he said no problem. 

Then about a week later, a XXXX XXXX representative called me and said I owe {$120.00}. 

I told them the account was closed due to non service. She said I would have to pay {$120.00} for their service, before the account could be closed. 

XXXX XXXX called me periodically over the next several months, asking for payment. Numerous times they indicated the account was still open. 

Even though they could not provide internet service to my home, they would not close my account or delete the {$120.00} charge. 

I told them I never got service, but the XXXX XXXX reps, were adamant about my paying XXXX XXXX {$120.00}, even though they were unable to provide me service. 

Following all this back and forth, EOS Cca collection service came into the picture. They have called me a number of times requesting payment. I have repeatedly told them I never got service. 

They keep telling me the account is still open and I must pay. 

Ever since closing the XXXX XXXX account ( regardless that they did not close it ), with-in a day, I have been with XXXX 

XXXX came out to my house, installed my service, and have provided me great internet connection with no problems at any time right from start.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Student Debt Center LLC
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Received a call from someone who claimed that they would consolidate my federal loans, get them on an Income Based Repayment Plan, and get me loan forgiveness, for a price. I told them that I am not interested in paying them for benefits that my student loans already have for free.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have items on my report that do not belong to me I disputed these items prior and they had got deleted but now they are reflecting on my credit reoprt as charged off or closed accounts XXXX XXXX XXXX XXXX XXXX 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 2021-09-28
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:
The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-05-12
Company: U.S. BANCORP
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since I refinanced my mortgage to US Bank I have been notified of past due money over and over. They claim to send me increases and monthly notices but I never get them. They tell me to check my online account but it has not let me login to the account for and they do n't address this needs fixed. Now they are claiming I owe over {$600.00} in payments because of an increase that I was not notified about. I 've written them and called them and they just keep going on. Now they have put this on my credit report and ignore my letters. Reviews on XXXX and Consumer affairs website says that XXXX other mortgage holders have had the same thing done to them. Claimed notices of increases not received so the first thing you know is your in default and have to pay or else. I have not received the notices, I have not received the monthly statements, I have not received the required by law and ask for help. I asked them to send notices certified ( as I send all my letters to them ) but they do not respond. It 's time for the US Government to step in, investigate the claims of hundreds of people that have the same issue with US Bank Mortgage handling and stop the false claims, fraud and abuse.

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 2021-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to CAPITAL ONE AUTO FINANCE requesting information on a debt they allege I owe and I haven't received any correspondence back yet in regards to that. Please help me with this matter.

Company response to consumer: Closed with explanation