BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: M&T BANK CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
M & T  Bank issued auto loan to  XXXX  yr old working woman for  XXXX   XXXX   XXXX  in  XXXX  from   XXXX      XXXX   in  XXXX  NY. Would not take automatic loan payments deducted from paycheck, kept adding late fees and charges even though payments were being made with much struggling. They repossed in  XXXX  for  2  missed payments due to illness, at a cost of about  XXXX  dollars in repossession fees. Had ca r 2 yrs  and transmission went 2 times but not covered due to milage, about  XXXX  dollars total. Pleaded w/bank to lower payments but they just added costs and interest and late fees. They made a predatory loan to a person that just needed a car for work but only had a trade-in to work with. Will end up paying  XXXX  dollars for a  XXXX  dollar car all because  M & T  Bank and  XXXX   XXXX  saw a working class poor person in a vunerable situation.

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 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On  X/XX/17   , I requested Transunion  &    XXXX   to validated accounts on my credit report and received response on  XX/XX/2017    from Transunion and on  XX/XX/2017    from  XXXX  that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also Transunion  XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them

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 2021-11-19
Company: INTERCONTINENTAL CAPITAL GROUP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter offering a refinance on my home. I called and started talking to the loan officer in XX/XX/2021. I applied for a loan in XXXX in writing online with Intercontinental XXXX XXXX. They provided a disclosure form with " worst-case scenario '' numbers that I had to sign stating I received this form. They had me submit several documents online to their portal with all my financial information. All was good. Credit score very good over 800. Was told in early XXXX I was "??? approved. They have changed the loan closing document several times, usually adding fees, reducing credits, increasing the current loan payoff, and increasing the new refinance loan amount. I have continued to make my current mortgage payments on time so the current loan payoff is decreasing. They notified my home insurer and had them change my policy to include them on the insurance policy, and they contacted a closing company to perform the closing. The insurance company and closing title agency have notified me about the process being completed. It is now XXXX and still no closing. The last communication was when this company tried to add fees to the loan for the delay and it is they that are delaying the process. I have called and emailed several times to the ( now new ) loan officer. Also, I have called and emailed several times to the loan processer person. I have also emailed their supervisors several times. I have written to the customer service department email twice. The title company has also tried to contact them On all of these attempts for communication and or resolutions, I don't even get a response. I want them to fulfill the loan I applied for. This has gone on for way too long. I am beginning to think they made a false promise to make me a loan. Maybe they are selling all my personal financial information. I don't understand why they would lie. They have not completed the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On  XXXX   XXXX ,   XXXX  ,  Bank of America  allowed a check with my name and my  XXXX  former roommates names on it to be cashed without an endorsement from any of us.

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 2017-04-25
Company: Atlantic Credit & Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a Line of Credit for {$20000.00} with   XXXX   of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I   XXXX   XXXX   XXXX   I renegotiated the Mortgage and in   XXXX   of the same year I received a Law Suit from  Atlantic Credit and Special Finance Unit LLC t o collect the total amount of the Lines of Credit through its Attorneys   XXXX   XXXX   XXXX  . I answered the Law Suit saying I did n't have any  deb with Atlantic  and I had never received a Notification from Beneficial informing that my account had been sold.   Aft er one year they filed a Motion  to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the  XXXX   XXXX  Court to go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in  XXXX ,  XXXX   XXXX   Court,  which was not attended personally by  XXXX  and the Judge accepted an Order to compel to mediation by   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 explanation
Consumer complaint received 2019-12-12
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/19 I applied for the Apple Card, based upon information from Apple employees that I would be able to finance an XXXX on Apple Card Installments by the end of the year. I decided to open the Apple Card, instead of applying for their 0 % XXXX loan/card to finance the phone. 

XX/XX/19 Apple Card Installments was announced on Apples website officially. There was nothing detailing that you would not be able to use this feature if you purchased a sim-free phone. 

XX/XX/19 I purchased the phone with my Apple Card. I was unable to purchase it using installments. 

XX/XX/19 I spoke to an Apple Card advisor via text who stated that I would return and repurchase the phone, order to get the 0 % financing, and that it shouldnt be an issue. 

XX/XX/19 I went to an Apple store to try to re-purchase the phone under the installment plan ( per an Apple Card advisor ), and was told that I could not use this feature unless I purchased the phone through a phone carrier ( such as XXXX XXXX XXXX ). I dont live in the USA full-time and can not be tied to a phone carrier, so this was not an option for me. 

Also, as of this date there is nothing listed on their website that you need to purchase through a carrier. As such, this is false/misleading advertisement. 

I spoke with several Apple advisors to confirm this policy. 

If I had known that I would have had to purchase through a carrier in order to use Apple Card Installments I would never have opened up the Apple Card. I would have opened up the XXXX card instead for 0 % financing. But now, I am stuck Financing this phone at 12.45 % interest because I dont want to ding my credit by opening up a second credit card/account immediately after opening a new account. 

This is deceptive marketing at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CREDIGY USA CORP.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They enter a jugement against me and asking a marshal to garnish my pay.   Even thought the initial debt was {$3800.00} they put an interest of $  XXXX  which i s exorbitant and not fair.this is the only communication i receive from them.i also think the statue of the debt might be expire if its from   XXXX  .   I did ask them to send me the initial debt so i can see myself after i spoke with one of their people.   I would like to get help wiyb this matter.   I already check my credit report and can find anything from fleet bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am requesting you open an investigation on Ditech Financial LLC that used to be GREEN TREE LLC for the following reasons. I have sent numerous Fax letters requesting documentation of who the actual note holder of my mortgage. They have failed to provide me with the information .I have enclosed one of the fax letters I sent to Ditech Financial LLC in regards to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had XXXX XRP in my Coinbase wallet. The last time I saw it was on XX/XX/2021. Later that same day it had disappeared. I am including screenshots of my wallet taken on that day. 

I have submitted many tickets trying to get it back. This hasnt worked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19
Company: Harvard Collections, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
im am being charged by harvard collection service and the orginal creditor was XXXX and i had sent cfpb information on this account and i got a letter 3 yrs ago that it was not owed. now they are coming after me again for the money they say i owe. XXXX is saying i owe XXXX and they want to settle for XXXX and it has been aredy written off the letter i received today is dated janurary XXXX. they are telling me that this was done 3 yrs ago.and i dont owe this money .and im not paying for something that i had sent your company before about this matter XXXX  wrote it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom IT May Concern. On XX/XX/2022. I submitted a dispute letter to Equifax, XXXX and XXXX. I saw many addresses, names and phones that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified.But, how though when nothing was sent to me in regard to what they did to verify my dispute. I asked for my credit report in my letter and the means they used to verify this information was mine personal information. I have never lived at any of these addresses before and they refuse to remove them. This is unfair and a violation of my rights. As we all know these companies do not work for the government or state department. All I am asking is that thigns are reported properly. False information can hurt charcter of the person. Just beacause someone has a simlier first name does not mean that it is them.

I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I live. My current address is XXXX XXXX XXXX XXXX Apt XXXX, XXXX GA XXXX. As of today XXXX, I still do not have an updated credit report from them. I take my credit very seriously and all of these addresses and phone numbers that are not mine are disturbing. I was about part of a data breach a couple times and so as I leanred of this I contacted them and I get no results. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I was mistakenly charged {$50.00} for a missed appointment fee from XXXX XXXX. The appointment was cancelled in advance and I was charged the {$50.00} by mistake. This account was placed in collection and appeared on my Equifax and XXXX credit report. I paid the {$50.00} regardless of the mistake ( I cancelled the appointment in advance and should not have been charged anything ). I contacted XXXX to dispute the error and the account was immediately removed from my credit report. I then contacted Equifax to dispute the error and Equifax did not remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Avant Holding Company, Inc.
State: TX
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:
In XXXX XXXX I found out an account with avant credit card was open up in my information, {$300.00}, yet only {$50.00} used, showing as of XXXX XXXX up to {$110.00}, contacted company to report an fraudulent account, all the document was sent and I received an email XXXX XXXX that the account will be removed from my credit report. XXXX XXXX I notice it still on my credit but closed, however avant is still reporting to my credit late payments. I sent an email to the address that was giving to me they that taking care of and got no respond from there and still on credit. Id like to get that taking off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: GOLDMAN SACHS BANK USA
State: PR
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 applied for an Apple credit card, through Goldman Sachs, around XX/XX/XXXX. When I completed the application on line, it stated that the interest rate would range from 10.99 % to 21.99 % depending on credit rating. I was not advised of the exact rate until after the card was in my possession and the card was enrolled in Apple Wallet. At that time, I discovered I had been assigned an interest rate of 21.99 %. My credit score was and remains over XXXX. 

I called Goldman Sachs on XX/XX/XXXX to inquire why they thought it was appropriate to charge the maximum and to ask what they would charge someone with a lower credit score. The customer service representative ( CSR ) told me I would need to take that up with the credit rating company, such as XXXX XXXX, to which I replied that the bank sets the rate, not the credit reporting agency. Despite numerous apologies for the 'inconvenience ', Goldman was incapable of speaking to the issue, even though I was put on hold several times for the XXXX XXXX consultation with the 'supervisor '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: MD
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 a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 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 2017-04-25
Company: First Advantage LNS Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  at  XXXX   XXXX   XXXX   XXXX , TX  XXXX  has failed to validate a debt that was discharged in court prior to reporting to credit bureaus. After I noticed this on my reports, I filed a dispute again. They still failed to validate and continued calling me after repeated cease and desists were sent to them. This company failed to report a phone number on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC Bank in  XXXX , PA allowed ( and will not return funds ) an online withdrawal transaction that had my name and my father 's name on it. It was a checking account. My father passed away on  XXXX   XXXX ,   XXXX  , and my sister ( whose name is NOT on the account  )  withdrew {$500.00} two times ( {$1000.00} total ) on  XXXX   XXXX ,   XXXX  . Again, this was AFTER my father passed away, and my sister 's name is NOT on the account. PNC refuses to return the money or even attempt to retrieve the monies back from her. My sister (  XXXX   XXXX   )  and I have not spoken for several years. I feel this is the bank 's responsibility to return the {$1000.00} to me as it was then  MY account, and the bank holds responsibility to protect their customers ' accounts. The Assistant Bank Manager   (   XXXX   )  is the person I have been speaking to regarding this fraudulent act. I am filing this formal complaint against the bank so they refund the {$1000.00} that they allowed to be withdrawn illegally. They have been totally unhelpful and uncooperative in this matter. They did n't even notify me until 4 days AFTER the money was withdrawn. They are fraudulent in so many ways.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On  XXXX / XXXX /  XXXX   at  XXXX   XXXX  our organization 's treasurer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  ), received an email pretending to be from me, our organization 's top officer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  with this message : " Hi  XXXX . Are you available to make a payment to a vendor today? Let me know the available balance in our account then i [ sic ] can get [ sic ] further instruction  [ sic ]  on the transfer. Thank you,  XXXX   XXXX   Sent  from my  iPhone '' They have my name correctly spelled and they have my correct email address. However, I do not have an iPhone  and I never sent that message. I checked my  XXXX  account and did not find any such emails sent from my account I have since changed my settings.Meanwhile,  XXXX  did not immediately call me to verify after she received the  XXXX   XXXX  email, but she replied to that email on  XXXX / XXXX /  XXXX   at  XXXX    XXXX   as follows : " I am not sure what you are referring to as a transfer we have money in the account please send me the info  XXXX  '' Then fake  XXXX   XXXX  replied on  XXXX / XXXX /  XXXX   at  XXXX   XXXX  with these details : " Transfer {$6700.00} to the Vendors  [ sic ] banking information  below. Notify me once the transfer has been made and email me with a copy of the wire receipt in your next email. Account name :  XXXX   XXXX   XXXX  Bank name :  Wellsfargo [ sic   ] Bank Routine [ sic ] number :  XXXX  account [ sic ]  number :  XXXX  Bank Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . Thank you,  XXXX   XXXX   Sent from my iPhone '' Thankfully ,  XXXX  did not respond.  XXXX  finally called me about the emails at  XXXX    XXXX   on  XXXX / XXXX /  XXXX  , and I was able to confirm I did not send them and have not seen them. We are concerned the scammers knew our names, their correct spellings, our correct emails and the fact that  XXXX , as the Treasurer, would be the person with the bank account information and that I, as the head of the organization, would communicate with her via email.

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