BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with Coinbase on XXXX after providing them with ID info and checking account access in order to pay for purchase of XXXX coins. I made 3 purchases one on XX/XX/XXXX for {$2500.00} another purchase on XX/XX/XXXX for {$7500.00} and a final purchase on XX/XX/XXXX for {$4300.00} totaling {$14000.00} in total coin purchases that Coinbase withdrew from my checking account. The last {$4300.00} purchase I questioned Coinbase by email asking for clarification about it because I forgot what coins I had purchased with that withdrawal. Coinbase immediately locked my account, assigned me a case number and told me they would have a response in 4-5 days. Customer support emailed me on XX/XX/XXXX giving me case # XXXX - QUESTION ON WITHDRAWAL FROM MY CHECKING ACCOUNT. 
I did not hear back so I escalated my case and on XX/XX/XXXX the gave me an new escalated case number XXXX saying they would get back to me within 15 business days. Once again they did not get back to me. At that point I kept following up with numerous emails asking when they would unlock my account so I could have access to my money. No response. On XX/XX/XXXX I received an email from Coinbase customer support as follows : Hi There, Thanks for the response! We would love to help you further, however, this case has been closed and can not be reopened. 
Please submit a new ticket to our online support form here for continued assistance : https : //help.coinbase.com/en/contact-us.html Thanks, Coinbase Support They closed this case number after keeping me waiting for 2 weeks and never once responded to my issue. 
This company has hundreds of complaints of accounts being locked. The only way to communicate is by email to their customer support and they are no help whatsoever. There is no phone support, you can't speak to anyone. It's frustrating and what they are doing amounts to theft of small client funds. If one is a large institutional investor I doubt they be treated this badly. 

All I'm asking is for this company to be honest, unlock my account that should not be difficult. 

PLEASE PLEASE HELP THIS IS WRONG AND THEY DON'T SEEM TO CARE. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Valentine and Kebartas, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Various people calling three to XXXX times a week and asking to speak with me. They then have proceeded to tell the person answering the phone that he was trying to " verify my employment '', " verify my date of birth '', and " verify my social security number '' asking for this person to give it to him. He has also stated that they are going to " garnish my wages XXXX % ''. I am also receiving phone calls on my cell phone 3-5 times a week. He leaves the company name of Valentine & Kabartas but calls from a local phone number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When we purchased this home in XXXX, XXXX, we were required to have an escrow with the lender. We have since refinanced with another lender and in the process discovered that our city property tax bill due XX/XX/XXXX had not been paid despite the amount being deducted from our escrow on XX/XX/XXXX. 
I contacted the City of XXXX and they confirmed that it had not been paid. I contacted XXXX thinking this would be easy to resolve but after getting nowhere I paid the tax on XX/XX/XXXX plus {$13.00} in interest. 
We have contacted NewRez ( the previous lender ) approximately ten ( 10 ) times on this matter and have gotten nowhere. Each time we call we are told something different. Sometimes it was paid by check, other times by ACH, it will be escalated, etc. The only thing that has been consistent is that they always need 3-5 business days to research and that time always elapses with no communication or resolution from the lender.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I mailed a letter about inaccurate accounts on my credit report. I never received a response and mailed another letter on XX/XX/XXXX. I still haven't received a response and it is XX/XX/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 2016-12-13
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Attached is a letter I wrote to Key Bank CEO XXXX XXXX. I ask the regulators reviewing this complaint to review the represented facts for statutory and regulatory violations of Key Bank 's representatives. Given the communication requirement of the Wall Street Reform and Consumer Protection Act, I expect a response from XXXX XXXX to what appears to me to be multiple violations of the Wall Street Reform and Consumer Protection Act and the prohibition against Unfair or Deceptive Acts or Practices, 15 U.S.C. 45 ( a ) and New York State XXXX XXXX of a number of Key Bank 's employees. I am hoping XXXX XXXX will step up and rectify this situation, so that we can mediate a workout agreement with an empowered Key Bank representative. This complaint is identical to XXXX ; I am including as the supporting document, " Later version of Word Letter to CEO XXXX XXXX, '' a later version of Word document of the letter. Because CFPB 's system does not allow the uploading of additional documents after the initial submission, I am making a new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I XXXX XXXX have attempted to explained to Capital One since XX/XX/XXXX that we are going thru a very difficult times and our biggest problem is our Financial hardship due to the Covid-19 Shut Down. We have attempted so many times to explained to Capital One that we need to reduced our interest rate that have cause to be very dificult to pay our monthly payment. The only thing they offer just not to pay this month but following month I can pay the late fees which I rejected. The final offer they gave me is that I can pay {$620.00}. for 6 months at the interest rate of 9.99 % after the six months they will increase back the same interest rate. We are presently suffering so much loss on our business due to the decrease of clients that also suffering the Covid-19 situation which we are still under the Covid-19 which has not ended. I am looking forward to a permanent resolution for my 2 XXXX Credit Cards that I have with Capital One. Have been a very good customer since XXXX and never have been late and never have requested any kind of help from them. By reducing my account to a permanent interest rate and reducing the amount it will be very helpful and not be in a risk to have to file Bankruptcy for me is trying to settle with my Creditor. Please I need help with this 2 Credit Cards with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Round point mortgage servicing company have refused to provide information concerning the terms that was signed on property XXXX XXXX XXXX XXXX Louisiana XXXX they have applied all payments made has been held back as though we are n't making payments. I HAVE ALL DOCUMENTS FROM ATTORNEY OFFICE, HUD CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: GFS, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Collections Agencies continues calling my work, after I requested not to call my work. The debt is not mine. They have yet to send written proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent documents disputing multiple fraudulent inquiries associated with my credit report. Ive sent dispute letters to the EQUIFAX bureau. Below are the inquiries and dates they took place. I would like these removed from my credit as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX/AUTO XXXX XXXX XXXXCredit union XXXX XXXX/Telephone  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/Pers.Loan XXXX XXXX  XXXX  XXXX/AUTO XXXX XXXX  XXXX  XXXX/Finance  XXXX XXXX  XXXX XXXX/Bank  XXXX XXXX XXXX XXXX XXXX/Pers.Loan XXXX XXXX XXXX/Pers.Loan  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXXXXXX XXXX/Pers.Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
This is in followup to case XXXX. 

I sent a message to Big Picture Loans revoking ACH authorization and they did not accept this. They still withdrew money from my account. How do I get them to accept this? I also firmly believe that this is predatory lending at his finest and is illegal. They should credit my balance as payment in full completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I have recently pull my credit report and reviewed, I noticed that there was a company of NCA listed on here for a collections. I for one never received documentations that I had any type of debt with them. I reached out to the company on XX/XX/XXXX for them to validated this debt, I never received a response, I then reach out to them again on XX/XX/XXXX for them to follow up on the validation of this debt they have listed on my credit report. The company has refused to provide or even responded with any proof or knowledge that this debt belongs to me. At this time they have violated my consumer rights. The law states that If the debt collector does not send sufficient proof of the debt, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. The company has broken several rules since my initial letter sent on XX/XX/XXXX. I am keeping very detailed documents. This company needs to remove this from my credit report immediately. The company has had more than 60 days to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
Capital One direct banking is causing me to be late on my bills, I mailed XXXX money orders totaling {$340.00} on XXXX/XXXX/16 and XXXX/XXXX/16 which I faxed over as proof to a supervisor. The website does not specify that they do not accept money orders, I did not receive back until two weeks later with a letter dated XXXX/XXXX/16 stating they do not accept money orders now I am late on several bills because I did not have the funds to replace the money orders, the manager claimed they do not accept money orders because they could be fraudulent but I actually signed my money orders and I had to put my contact information on it so this is not true. Then another manager advised me based on the type of account that I had, they ca n't accept money orders. It seems to me that no one knows what they are talking about and I also just found by supervisor on Wednesday that my account could be shut down due to government regulations because I am using this as a checking account instead of a savings account which I advised them my current checking account is overdrawn by {$450.00} due to fraud and that account is frozen. No one ever told me that until Wednesday, I feel that Capital One withheld information. I have several late fees that I have to pay plus now I am dealing with several credit reporting. I have been a customer of Capital one for 10 years, I also have a credit card with them. I also had to pay a {$28.00} wire fee and I had to take off work to do it because my bank will only do transfers from XXXX Monday through Friday, and a certified check would have been cheaper but Capital One advised me it can take up 3 days for the money to post. Most banks do not do bank wires for balances less than {$10000.00} but my bank granted me an exception. I was also advised on Wednesday that I could transfer to a XXXX checking account but I was never given that option before. This is has cost me financially I now have to try to play catch up because several of my payments were returned and now some creditors are making me do money orders with them. This is bad customer service. I also have a Capital One credit card that has put XXXX credit marks on my credit and it is past due, I need both of them removed because this was not my fault. I can fax Capital One a copy of the negative bank balance plus the wire fees, I have not been credited for all the bank return fees like I was advised that I would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I received a call from ERC ( collection debts company ) from the number XXXX at XXXX, they said I owe {$92.00} to XXXX and they are there to collect it. They asked me for addess confirmation, they knew my address, and also the social. When I asked what does ERC do, the lady heng up. I called twice trying to gather more information, two more guys spoken with me but it was rude and they heng me up when I stated I payed everything to XXXX by 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: NY
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:
Unable to obtain credit report from all four known credit reporting agencies or even one : : It is my understanding a copy of my report is free of charge

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I looked on my credit report and saw Enhanced Recovery on there for a debt I do n't owe. I sent for validation request to them and they just keep ignoring me and continue to report this error on my credit. They never notified me that they were about to report anything on my credit. Enhanced Recovery is in violation of the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Someone got ahold of my account information and tried to deposit a fraudulent check into my account. The bank froze my account and its been under investigation since late XXXX. I received a direct deposit from social security on XXXX XXXX 2022 and I havent been able to withdraw that money because the account was under investigation. The Citibank agents said it can take XXXX business days before they can close the account. Its been well over XXXX business days and every time I call to see whats going on they just give me the run around.

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 2021-02-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
following up on previous complain # XXXX This is because the answer received from Nissan Auto Finance is not fair that I have decided to solicitate for the second time your expertise. 

1. it is true that I have postponed 4 cycles payment 2 in XXXX after loosing my Job and 2 in XXXX dues to Covid 19 and the lost of my business at the airport. 

2. During both time Nissan has never informed of any late fee or any interest in using this privilege to rescheduled the payment of the Loan. 

3. Nissan knowing the reason why I was postponing the payment and encountering some difficulties in generating income Nissan never offered me to refinance at lower APR.

4. Nissan in doing so has privileged their interest instead of my interest but more over Nissan as a financial institution never offered an Annual review on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: A & O Recovery Solutions, LLC
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: Account information incorrect

Complaint:
XXXX  XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

CCI XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-08
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I continued to get charged {$400.00} per month automatically withdrawn from my bank account when I feel the loan has been paid. I borrowed {$800.00}. They have taken {$400.00} per month for the last four months, starting in XX/XX/XXXX - XX/XX/XXXX. I recently put stop payment at the bank. So XX/XX/XXXX payment was not taken, but they attempted I have no documentation of the loan and when I called them to ask why there was another XXXX payment taken from my checking account they would not talk to a friend which was attempting to help me with my bills since I had just experienced a hardship caused by a hospital stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed for a modification over a year ago. It was to start in XX/XX/XXXX. I have made all payments as directed but the website still indicates I owe XX/XX/XXXX payment. I have signed and returned the modification agreement 3 times and it has not been received per servicer. I have called repeatedly and requested contact online. I have made ten phone calls to waste an hour to fill in some random service rep the same story with no solutions. I just paid my XX/XX/XXXX payment and they have me as due for XX/XX/XXXX and my escrow is in the negative. I am extremely frustrated. My original loan was with XXXX XXXX XXXX and they sold me to this servicer. I would like to know what my legal rights are. This is affecting my credit and causing my family serious harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Merchants Credit Bureau, Inc.
State: GA
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 act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation