BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was trying to change {$100.00} dollars to bitcoins it dint happend a now i have {$98.00} dollars missing from my accont ( wallet ) y only have left {$1.00} Ive been sending emails and trying to get a phone number to contact for the las 4 days and im still have no answer from the coinbase staff

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: ENOVA INTERNATIONAL, INC.
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been caught in a financial crisis for several months due to unexpected emergencies last year. NetCredit seemed to be a helpful source until recent financial education and counseling I received. I was also informed that NetCredit is in violation of the Military Lending Act. I have contacted NetCredit twice and have yet to received any return correspondence or assistance. What are my options in resolving this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a Wells Fargo retirement account from my employer for over 9 years. Just recently in XXXX and XXXX I received XXXX e-mails from Wells Fargo. The 1st e-mail has the subject line of " Questions about your new account? Schedule an appointment with a banker, 'my name ' ''. The XXXX has the subject line of " Manage your mortgage online ''. I neither opened up a new bank account nor a mortgage with Wells Fargo. As you can imagine, I was surprised and worried that my information was used inappropriately to open up new accounts with Wells Fargo. After I called them and inquired about it, I was told that I was put on these accounts but they could n't remove me from them and I was n't the primary account holder. They stated that if I wanted to know more I 'd have to go to a branch. Well, after all the news that came out about Wells Fargo and the fake accounts, I went to a branch today. I was now told that these are not my accounts, but rather somebody who shared the same identity and to e-mail their phishing department - which is contrary to what they first told me on the phone, and which I do n't think is the real issue. I am truly concerned that my XXXX XXXX is being used to open fake accounts and I can not do anything about it. 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 2023-03-22
Company: EQUIFAX, INC.
State: MD
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:
XXXX  XXXX removed the account number ending with XXXX but they have declined my request for compensation when I am entitled to compensation of {$1000.00} per violation and they report this account on all three of the credit bureaus I am entitled to XXXX per account on each credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Navy Federal Credit Union took money from my account that had just been opened after NOT allowing me open after 28 years. I had a BK in XXXX  that was discharged from XXXX county. I had two items with NFCU, a consolidated loan for approx 18K and apparently a visa that had a balance of approx 4300. For the past 28 years Id been trying to re-establish credit and was never able to open an account online. No one at NFCU could ever tell me why not. In XXXX of XXXX, a rep finally told me it appeared that a there was a block on my account due to some uncollected debt. I had explained that was part of the BK back in XXXX, she said oh no problem, Ill eat the BK dept know I had also asked if any money would be taken if I began to deposit money and she said not, its been cleared up. Well, I began to transfer money and once I hit about XXXX dollars in the account, two week later NFCU debited my account and said it was for the uncollected money from this visa. I had begged and pleaded telling them I had the case number, the date of the BK and that money was not theirs to take, it was part of the discharge in XXXX. They said they saw the BK filing, but dont have anything on file that shows it was discharged. I asked them to try to find the consolidated loan as they didnt collect for that one. If they could find the old records on that account, theyd see it was all part of the same BK. They could not locate the other loan, they said they had no record of that other loan at all. In my opinion, thats because it was DISCHARGED. I have written to the president, XXXX XXXX who just forwarded my information to the BK department but the BK dept is not willing to release my money back to me. Its been 28 years, they have never made an attempt to collect this money, I was never notified I still owed this, had that been done properly, I could have provided the proof way back in XXXX. They took my money and I want it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo foreclosed on my home on XXXX/XXXX/XXXX. The foreclosure was performed by XXXX XXXX XXXX a Trustee who went out of business in XXXX, this action was followed by the foreclosure attorney 's XXXX XXXX XXXX closing their office. However, Wells Fargo foreclosure department is still providing a non working telephone number for XXXX XXXX XXXX ( XXXX XXXX XXXX, this number was given to me when I called to request a rescission of my foreclosure. We applied numerous times for a loan modification with Wells Fargo Bank without any results. Months would go by without any response from Wells Fargo wherein, we would submit another application for a loan modification. Both my wife and I have never spoke with our Point of Contact XXXX XXXX despite numerous messages left for him in response to the letters we received from Wells Fargo Bank. We received a one XXXX 1 XXXX year loan modification from Wachovia in XXXX, for {$2100.00}. However, Wells Fargo did not accept the previous loan modification nor did they offer us any alternative as evidenced by their application of our mortgage payments. WFB sent a Notice of Intent to foreclose dated XXXX XXXX, XXXX, despite having received a mortgage payment in XXXX XXXX, and applying XXXX payment out of the unapplied funds. Throughout the loan modification process we do n't remember receiving a formal denial letter from Wells Fargo Bank. We have formally requested a rescission of the foreclosure executed on XXXX/XXXX/XXXX, however, Wells Fargo has responded that they could not do anything because the foreclosure was held on XXXX XXXX, XXXX? We have included a postponement notice which states that the foreclosure sale will be held on XXXX XXXX, XXXX. As a former Wachovia Mortgage borrowers and has XXXX members we were entitled to receive notice of the Class Action which we did not, and Wells Fargo was required to review our loan for XXXX as our loan amount was eligible for XXXX XXXX XXXX. All we received was the runaround and non communication from Wells Fargo Bank, till this day, we have no idea who the investor is or if the Trustee 's California location was open or functional at the time of the foreclosure. Please review WFB letters to us none of them make reference to our loan modification being denied on a specific date, this confirms the fact that we never received a formal denial.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct. # XXXX, these companies with these accounts have 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 states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states ; No consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: VW Credit
State: VA
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:
Spoke to VW rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My information was used without my consent to open these accounts at this time I asked for accounts to be removed. If anything is inaccurate on my report with these accounts remove that as well do the fair cred repair act and that I am trying to better myself in life I wan na be able to provide to the youth and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: VA
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:
Spoke to XXXX rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraud / Identity Theft XXXX Accounts opened fraudulently XXXX XXXX ( Personal unsecured Loans ) # XXXX. {$15000.00} Opened on XX/XX/2022 # XXXX. {$12000.00} Opened on XXXX XXXX XXXX XXXXXXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # XXXX. Prosper Marketplace Opened XX/XX/2022 {$9000.00} *** received XXXX emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # 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 2017-01-27
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There was an XXXX account opened that was did not belong to me that is currently in collections. The account was opened on XX/XX/2013 in the amount of {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never received a bill. I been having problems in life period. First i would like to add that i was XXXX XXXX XXXX XXXX and having a XXXX XXXX. I have XXXX XXXX and XXXX Im not lazy i just hve a harder time then most. I was working at my job for 5 years. I lost item in house fire XXXX. Then in XXXX i lost most of my income do to losing my job as a XXXX XXXX. I aslo lost my child support for {$1100.00} a month. I had a hard time just paying rent and food for my XXXX child. I have been trying to get capital one to understand but they just dont care. It was a secured credit card {$500.00} limit. I needed to pay XXXX plus they keep the XXXX. When i got my stimulus check i paid the XXXX they said they would delete late payments and it would say settled payed for less then full. They lied! And i will pay the rest since i started bck working XX/XX/XXXX and i got a new place to live. XXXX  is stating that is up to Capital One who will quickly respond and say no they will not update. Please help me. Im sorry i dont think i will open another cc with capital one. I will pay in full plus all late payments. I will give them my whole check. Can they just understand that life happens and its harder for some then others. Not making excuses but come on covid19 late payments in all.of XXXX amd u will not fix its not right. I barely had enough money for food and rent. I dont like making excuses but they did mislead me and im willing to do anything to get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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: Overcharged for something you did purchase with the card

Complaint:
Dear Recipient, Bank of America is using a term Corporate Card loosely with another type of card Business Card. The two cards should be the same balance, as was reported over the phone ... because the Business Card reports all transactions and all payments go to the Corporate Card as listed without showing any transactions. Why they do this is very strange. My two balances are not the same, lied by the phone attendant and manager. One is {$13000.00} the Corporate Card, and the Business Card with transactions is {$10000.00}. Where is the XXXX difference on the transactions Business Card that didn't show up on the bigger balance of the Corporate card that I am responsible for.

In addition there is another Corporate account setup with a balance of {$2600.00} and a corresponding Business account balance of {$0.00}.

Very dishonest and terrible banking. I want a lawsuit on Bank America and a sum of money.

Now, on a separate issue, I declared a dispute on XXXX XXXX XXXX XXXX XXXX for non payment of {$15000.00} of non payment of insurance claims that were reported 2 months ago. XXXX XXXX CEO must be contacted for this. 

Bank America Card ending XXXX ( Corporate ) and Business XXXX The other Corporate Card is XXXX  and the corresponding Business card is 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 2021-01-09
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 over XXXX dollars was takennout of my acxount I called the government benefits card to report a unauthorized action as soon as it happen for them to close my account. Been waiting for my replacement card since XX/XX/2020 one person told me that yes my card was deactivated but that I never asked to send a replacement, I asked for the to send a replacement they transferred me the second person told me I never deactivated my card so why one person tell I did deactivated my card and the other said I never deactivated my 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 explanation
Consumer complaint received 2021-01-09
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
File an complaint on my credit card account number XXXX on the XX/XX/2020 could'nt make a payment on my new balance because of primary was deceased & cut the off would like some one to look in to the credit card from day one with my okay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I contacted Quicken Loans for a home mortgage loan and was quoted an interest rate of 2.99 % with no fees charged by the lender. Even though I could n't tell the Estimated Closing Costs contained a XXXX % origination or points charge, I signed the form anyway. I have complained to Quicken Loans that I was not informed of paying points. I have asked them to produce the recordings of my conversation with their loan officer where he fully explained that I was paying points. They have not provided such confirmation. I must pay it to close but want them investigated for predatory practices. If they do this to me, I 'm sure they do this to numerous individuals. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX account for student loans has been closed since XXXX and paid in full and they still are showing on all XXXX of my credit reports, I was told good standing accounts stay on you report for XXXX years but it 's been more than XXXX years, please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: MI
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:
My information was used without my consent to open these accounts at this time I asked for accounts to be removed. If anything is inaccurate on my report with these accounts remove that as well do the fair cred repair act and that I am trying to better myself in life I wan na be able to provide to the youth and my family.

Company response to consumer: Closed with explanation