BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a Wire Transfer on XXXX XXXX, 2017 in the sum of {$5000.00} to Coinbase and received this email the following day : " XXXX replied : Hi there, This email is regarding a wire that was sent to your Coinbase account. 

Unfortunately it appears that the legal name on the wire we received is the name of your bank. Please work with your bank to correct this. 

In order to wire funds to us, the name on the wire must match the name on the Coinbase account. Because of this we will be returning the wire, and the funds should arrive in your bank account within a 3-5 business days. 

Moving forward, please wire funds from a personal bank account held in your name to avoid any wire processing delays. 

Thanks for choosing Coinbase! '' It was stated that the funds will arrive back to me within 3-5 days, but as of today I have not received the fund back in my account. There is no reply when contacting support or any information as to where the money has gone. It is a fraud that this company is able to withhold money indefinitely without providing any means of contacting someone who is able to correct the issue. 

The coinbase case number that was provided to me is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, Citibank functioning as Brooks Brothers credit card Number XXXX reported past due amounts. It occurred because I had changed my bank. Before these dates, I tried to arrange a payment from my new bank. I called the number on the credit card to change the bank routing number and account number. I thought I was successful. When I received another notice from the collections department, I called again. I was successful in changing the bank routing number and account number. I don't recall whether I changed it online or over the phone. After I explained the situation, I asked if the late payments has been reported to a credit reporting agency, they had. I asked if they would reverse the report, they were completely uncooperative. I then instructed them to close the account. Recently I requested a credit report from XXXX XXXX. I noted the late payments in the referenced month. I decided to contact your organization to file a complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email on XX/XX/XXXX saying that my application for my credit card with Bank of America has been approved and theyll be sending me my card in 7 to 10 business days. I never applied for another credit card, especially not with Bank of America. I immediately called Bank of America and they said that someone applied using my social security number. I immediately I had them cancel the account and send me a copy of the cancellation and application in the mail which I have not yet received. They advised me to file a complaint with the credit bureau as my social has clearly been compromised. There were no charges meet on said account as I caught it immediately. I still have no idea who open the account and how. I then got a notification from my banking system, XXXX saying that there was an inquiry on my credit report from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: Big Picture Loans, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on castle payday loan. Have a XXXX form sent from castle Payday for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by castle Payday. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from castle Payday. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: JPMORGAN CHASE & CO.
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/27 - contacted Chase to let them know a fraudulent purchase was made to XXXX XXXX for 6 tickets in the amount of {$1600.00} and they told me that it was taken care of and would not show on my next bill. 

XXXX statements were fine but when XXXX statements came the charges showed and I called to ask why its appearing on my statements. 

XXXX - contacted Chase to report the fraudulent claim again. 

XXXX sent a virtual letter letting me know that they reviewed my fraud claim again and that I am responsible for the amount!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX, I received a phone call from an unknown number calling to collect a debt I supposedly owed Bank of America. I vaguely remember paying Bank of America off years ago for an non payment on a previous account. They told me some information they had, and it sounded legitimate. They told me I had to settle debt soon before having legal action taken against me. I agreed to make multiple payments. I made 3 payments, on XXXX, X/XX/17, and X/XX/17 and received a paid in full letter via email. The case manager gave a name and number to call, but I misplaced them. In an attempt to call them just to follow up, I looked up the creditor and called which only brought me to an automated system and directing me to voicemail each time. I looked up my bank information and tried calling the number associated with XXXX XXXX XXXX who collected from my account, the same issue. I printed my latest credit report and saw nothing about this debt I owed at all.

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 2021-02-18
Company: GUARANTEED RATE INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed Rate is in violation of RESPA for payment of escrow to XXXX XXXX  in the amount of {$4000.00}. The closure for re-financing occurred XX/XX/XXXX ( see attachment of Closing Disclosure ), and still the escrow has not be transferred to XXXX XXXX. For this reason, my mortgage payments have gone up {$310.00} per month ( see attachment of XXXX notification of increased mortgage payment ). 

I contacted Guaranteed Rate on multiple occasions with no written response acknowledging the above. The first written communication I sent them is dated XX/XX/XXXX. To date, the Guaranteed Rate officers that have not bothered to confirm in writing the issues detailed above are : 1 ) XXXX XXXX XXXX XXXX Supervisor XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Team Lead/Loan Servicing Coordinator XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX, XXXX, IL XXXX I did contact XXXX  about this issue, and opened a complaint, complaint number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : This letter is to inform you that I am disputing your companys references on my credit report because of the lack of accuracy. 

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you investigate as outlined in the FCRA Section 623 for the inaccurate date opened of XX/XX/2017. 

If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports. 

If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
From XX/XX/XXXX through XX/XX/XXXX I was in forbearance with UAS LLC because I was living well below the poverty line. In XX/XX/XXXX I submitted an income based repayment plan application for monthly payments in amount {$120.00}. As of XX/XX/XXXX, I can not find record of the approval for the IBR in the UAS LLC portal, but I do have a XX/XX/XXXX message in the portal from customer service telling me to send the completed application to their email ( outside of the portal ). On XX/XX/XXXX, I made my first payment of {$120.00} and have been paying since. 

On XX/XX/XXXX, I received an email from my parents in which they sent a scanned PDF of a physical letter they received at their address ( my 'home ' address registered with UAS LLC ) claiming that I am delinquent on a payment of {$420.00}. The letter is on my XXXX XXXX XXXX College letterhead ( my institution ) and is signed by the school 's Director of Student and Departmental Account Services. On XX/XX/XXXX I sent an email to the director and to the UAS LLC addresses provided in the letter about how both of the organizations failed to adequately and fairly communicate with me in a timely manner about the charge. 

It is outrageous to me that UAS LLC and XXXX XXXX XXXX College think it's okay to communicate nothing about the alleged charge from XX/XX/XXXXto XX/XX/XXXX, and then think it adequate that a single paper letter from XXXX XXXX XXXX College in XX/XX/XXXXis fair and sufficient notice about the demanded payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In regards to the two XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} XXXX : {$7800.00} - {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Many accounts transfer to another company, I been trying to delete all these account from my credit report and havent get results, the accounts are very old and I need to make correction to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I origianally noticed inaccurate information on my credit report after being denied for a home. I contact the credit bureau immediately on XX/XX/XXXX regarding this information. I did not get any reposnse so I followed up with another letter after 30 days. I've read according to law they should complete an investigation and notify me of results within 15 days after my second request. I have yet to hear anything from them regarding this matter. As a result I am making a formal complaint on the company for failing to maintain accurate records and refusing to respond to my disputes.

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 2017-10-22
Company: TRANSWORLD SYSTEMS INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a past due balance with the XXXX XXXX XXXX  which is now in collection. I was never given the opportunity to set up a payment arrangement. They set up a payment for me that was very high. I couldnt afford it. They have since taken my tax return, which isnt reflected in my balance. They never acknowledged that they took it. They are now threatening to garnish my wages. I sent a previous complaint against them and they sent me a letter stating I could file a hardship with them and possibly get a payment arrangement. They said they need my last few months of banking statements as well as mortgage payment information. I dont believe a collection agency should ask for that information. I merely want to set up a payment arrangement. I dont think they need to have my bank account info and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my direct loans. All other smart option loans are on auto pay, XXXX of them. The only payment I make manually via my bank is the consolidated loan. When I contacted them, they gave me an address to make the XXXX to which is XXXX XXXX different than the other XXXX, its even in a different state. However when they received and applied my payment they applied it to all XXXX smart option loans that are and have been on auto pay for years, and have a different payment address than the consolidated loan. This is not the first time this has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22
Company: Abrahamsen Ratchford, P.C
State: PA
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:
Received calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. I never received any written notification. They did not provide any validation or verifying information. I do not have any debts in collections. 

It 's harassment and a violation of the FDCP to call someone who does n't have a debt in collection. Moreover, it 's harassment and a violation of FDCP to not provide written notification or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
CFPB Wells Fargo is refusing to answer what it did with the loan payoff I sent. 

The payoff was't sent back or applied. 
What did Wells Fargo do with it? 

The loan holder couldn't make Wells Fargo apply the payoff. The loan holder couldn't make Wells Fargo send the payoff back. 

Wells Fargo saw the payoff amount & decided to keep it. The loan holder couldn't make the bank be honest. 

Wells Fargo has had all the information to look into all this since XXXX. 

Before I sent the payoff I signed it in front of law enforcement & had them keep a copy.

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 2021-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 letters were sent to XXXX, Equifax and XXXX  explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Millco Management
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, AMERIFINANCIAL SOLUTIONS has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$390.00}.

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 2021-03-09
Company: ALLY FINANCIAL INC.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ally Bank charged my savings account two overdraft fees after I tried to empty the account. There are two - {$25.00} debits on the savings account and one on the checking account which put it into a negative balance. Both of these overdrafts were initiated by the bank itself, so the bank is now charging fees to me based on its own overdrafting behavior, not mine. This is absolutely unacceptable. I requested that Ally refund all overdraft fees on my account but they have not obliged.

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