BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021, my Coinbase account was hacked using the SIM swap method. By gaining control of my cell phone the hackers were able gain access to my Coinbase account and stole {$4500.00} worth of XLM cryptocurrency by transferring it to an ( according to Coinbase ) to some unknown destination. Additionally, because I had overdraft protection from my bank linked to my Coinbase account, the hacker was able to transfer {$3500.00} to Coinbase account and purchase more cryptocurrency. 
I have been trying to recover the amount of cryptocurrency stolen from my Coinbase account since XX/XX/XXXX. I was able to recover {$3000.00} of the funds taken from my bank account because I altered my bank about the Hacking incident. 
Coinbase finally sent a response to my problem on XX/XX/2021 ; basically saying there is nothing they can do about recovering the {$45000.00} in XXXX cryptocurrency stolen from my account. In fact they now claim I owe them money because my bank reversed the funds the thief had stolen. 
Coinbase is a cryptocurrency exchanged used by millions of Americans and it should provide adequate security to protect its customers from hackers. Instead Coinbase does not accept any responsibility and says there is nothing that can be done ; the customer just out of luck! 
The CFPB should really investigate Coinbase to uncover the lack of online security protection it has to prevent hackers from gaining access to customer 's accounts and for the lack of accountability it has towards maintaining the assets in those accounts. I am sure there are many others like myself that have been victimized by Coinbase 's lack of concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/XXXX, I called XXXX credit cards at XXXX XXXX XXXX XXXX and spoke to " XXXX '' to cancel my XXXX father 's credit card account. He advised me that the account was canceled and if I had any questions, to call XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I received XXXX NEW XXXX credit cards on the same account, XXXX in my XXXX father 's name, and XXXX in the name of my XXXX mother. On XX/XX/XXXX, I called customer service XXXX XXXX XXXX XXXX and spoke with `` XXXX '', giving him my mother and father 's dates of death and my father 's Social Security number ( AGAIN ) as well as my name and address and advised him to close the account as both parties on the account are XXXX. " XXXX '' advised me that the account was closed effective immediately, and that a written confirmation would be sent to me at my address. 
On XX/XX/XXXX, I received a letter addressed to my XXXX father at my address from Synchrony Bank stating in part that they had " ... recently received a letter that was unclear regarding the desire to close [ the ] account '' and requesting my XXXX father to " ... confirm your desire to close your account by calling the toll free number listed below. '' The number given was the same number I had ALREADY CALLED XXXX. 
On XXXX, I called that number and spoke to " XXXX ''. I told him I wanted to make absolutely sure the account was CLOSED. He advised me the account was closed and told me to simply " ignore the letter ''. Then he told me I could call XXXX XXXX and speak to the " XXXX '' to try to resolve the matter. 
On XX/XX/XXXX, I sent the Synchrony Bank Customer Service Department a letter detailing the fact that I had already called and had quite unambiguously stated that the account should be CLOSED due to XXXX of the account holders -- BOTH OF THEM -- and that my XXXX father HAD NEVER WRITTEN THEM A LETTER AS THEY CLAIMED IN THEIR CORRESPONDENCE. I also requested written confirmation that the account was, in fact CLOSED. To date, I have received NO RESPONSE WHATSOEVER from their Customer Service Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX 2023

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 2016-11-18
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio is reporting errors on my account from Portfolio for the amount of XXXXXXXXThey have refused to delete the wrong information or give proof it is mine. They are reporting it on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I was approaching my freshman year of college when I needed to apply for a loan because I did not get enough money from Financial Aid to cover how much my schooling was. My school is approximately {$30000.00} a year. In my parents taxes, it says that they make enough to cover what they did not provide from FAFSA. Unfortunately, my parents do not help pay for my schooling, nor do they have the best credit. 
So on XX/XX/XXXX, my step mother used my dads information to be a cosigner on a loan from XXXX XXXX for {$21000.00}. I did not get approved. 
On XX/XX/XXXX, they tried to apply for another loan but using my grandma as a cosigner this time for the same amount, {$21000.00}. This did not get approved either.

On XX/XX/XXXX, my parents tried again. This time with my grandma in laws information for the same amount, {$21000.00}. This did not get approved.

On XX/XX/XXXX, my parents tried one last time. This time my step mother tried to use her credit information to see if she would get approved for the {$21000.00}. This did not get approved. 
As all of this was going on, I had just turned XXXX and did not know how credit worked. So therefore, i was not aware that trying to get a loan would continuously hurt my credit. I was shocked that my parents never made that aware to me either. 
We finally settled for the first loan we applied for that had an interest rate of 12 %!! 
Now, I am going to be a sophomore in college without another loan being approved. I do not know if it is because of these hard inquiries or if it is because of my parents bad credit. I would like to continue my education so I am sure it would help me a lot if I could get these inquiries removed. 
Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THEFT BY FINANCIAL INSTITUTION. 
Re NEW REZ ( formerly DITECH ). On XX/XX/2022 Regular payment in amount of {$1800.00} and additional payment of {$6500.00} as principal reduction was debited from my Bank totaling {$8400.00}. When I received XXXX statement amount of {$1800.00} was posted as regular payment only. On XX/XX/XXXX I called NEW REZ customer service asking why additional principal payment is not reflected on my mortgage statement and Customer service representative said that they do not have any information about any additional funds which I have made and they have dismissed my inquiry. 

This is not a first occurrence with DITECH perhaps such conduct put that company into the bankruptcy few years ago. NEW REZ is on the same path. 

What happened to {$6500.00}?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My husband and I recently re-financed our home. As part of the re-finance deal, we agreed to pay off XXXX outstanding credit card balances. XXXX of those balances was with Capital One. A check was issued to Capital One in the amount of {$6600.00} by XXXX XXXX XXXX and Closing Services. I sent this check off and it was cashed on XXXX XXXX, 2016. Unfortunately, our Capital One credit card account that this check paid off, was returned to its unpaid status even though the XXXX XXXX check had been endorsed and paid. The specific complaint from Capital One is they could not read the endorsement clearly. After multiple conference calls and at least XXXX times forwarding a copy of the front and back of this check, Capital One still claims they can not find this check in their system, and keep requesting a clearer copy. We are in our second period of investigation and Capital One has temporarily re-credited our account with the {$6600.00} for a limited time while the investigation proceeds. I am working with the check-issuing company, namely XXXX XXXX XXXX, who are being very cooperative and doing everything in their power to help resolve this issue. Unfortunately we and Capital One seem to be going in circles, and I fear our balance will be re-instated and we will be once again liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage bought my loan in XXXX of 2021. Since it has been nothing but a cascade of issues like i have never experienced in the 5 years i paid this same loan to XXXX other mortgage company. 
XXXX, they purchase my loan, never send me a welcome lettter, and leave me scrambling to pay my loan on time to them as i dont even know who i am paying it to? 
XXXX I get notice that none of my taxes or home owners insurance has been paid as it should out of escrow. in the two months they have my loan i have now had to call each month to get them to do their job. 
XXXX I am notified they are increasing my mortgagepayment by {$78.00} for the next 12 months because the cushion in my escrow account is short {$430.00} dollars, now anyone past 5 th grade knows that XXXX is more than XXXX. But They are quoting a law, stating they are right,. and increasing my mortgage for the first time in 5 years. seems very suspect XXXX brings a billing statement from this company stating that my monthly payment is {$0.00} of course when i call the automated system they state i owe my newly increased usual monthly payment. Is this not predatory > to send out a false billing statement. to hope a home owner doesnt pay their loan on time > to initiate them doing so by sending them false and misleading statements? and never correcting them > I want anyone else to service my loan and I would love this company shut down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Other problem getting your report or credit score

Complaint:
I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: AMERISAVE MORTGAGE CORPORATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my loan with Amerisave Mortage https : //www.amerisave.com/ I filled out the paperwork and they replied with a 30 year VS 15 year I wanted. The person serviceing the loan said no problem and cancled that application and created a new one for me. However instead of using my address of XXXX XXXX XXXX XXXX RI. He used XXXX XXXX XXXX XXXX RI. I missed the change of town, ( yes my fault and I eSigned the document ). 
I received a call from a XXXX XXXX who owns XXXX XXXX XXXX XXXX RI thinking it was a scam. We talked and discovered this. 
While I recognize my responsibility in missing the address change, I did not fill out the paperwork for the second 15 year loan Amerisave did. And now my and my wifes SSN and banking information was sent to the wrong address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: JPMORGAN CHASE & CO.
State: OK
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: Problem with personal statement of dispute

Complaint:
I was applying for a Southwest Airlines credit card through Chase and when applying all my information was inputted and I submitted the application I got notified that they needed proof of my date of birth and proof of current address I submitted my temporary driver license due to me renewing my license and in the state of Oklahoma they hand you a paper copy of your license and mail the actual drivers license in the mail to address. I applied for this credit card on Thursday XX/XX/XXXX. I was denied because they would not accept what is a legal document in the state of Oklahoma that showed proof of both my date of birth and current physical address. I called company numerous of times and explained to them that is a legal document that was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: LEXISNEXIS
State: NJ
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:
Good afternoon, I contact lexisnexis in order to correct my address because in their report continues to place me in different past addresses except for my current address. I upload all the documents they ask. and they sent me a letter saying they need more documents and the documents I sent can be read. I resend all documents and more of the information they ask. and receive a second letter asking for me to go into a website that they provide but nothing can be done in the website. Im see that they just try to give me the run around until I get tired and give up, I just need the correct address on my report I dont need a soup of address except for my current address. that is simple only my current address should be in my report. Please if possible I like them to fix the issue and send you the proof that the situation is resolve. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Experian about the date of credit card closure and credit limit. However, upon disputing the information with Experian, I was informed the current account information was correct. Unfortunately, different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. 

Therefore, I ask that Experian remove the closed XXXX credit card account from my credit file immediately. 

Attached to this complaint as follows : Results from the CFPB complaint with XXXX. Reported {$8500.00} credit limit, closure date of XXXX. 
Results from CFPB complaint with XXXX. Account information inaccurate, account removed from file. 
Results from XXXX dispute. Reported credit limit {$2500.00}, closure date XXXX. 
Results from Experian dispute. Reported credit limit {$10000.00}, closure date of 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 2022-11-22
Company: Maximus Education, LLC dba Aidvantage
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:
Under the Fair Credit Reporting Act, there are laws put in place that prevent certain information from being furnished on the consumer report. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions and experiences between the consumer, Me ( XXXX XXXX ), and the person making the report ( Aidvantage/XXXX  ) should be excluded from the consumer report. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) no specific extension of credit directly or indirectly should be reported to the consumer reporting agencies ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Aidvantage/XXXX has been reporting ten late payments on ten student loan accounts since XXXX. A late payment could be qualified as a transaction and an experience in this case. Reporting these accounts are a violation of the Fair Credit Reporting Act in itself. I have attached a copy of the specific laws for review. 

Please remove the following accounts from my credit report as to by law they are not permitted to be on my consumer report. 

The late payments were a result of XXXX failing to notify me that my forbearance was coming to an end and instead of notifying me they put late payments on my credit report. The 10 late payments have been on my credit report since XX/XX/XXXX and have gravely affected my life and credit worthiness. Ive been denied credit cards, home loans, car loans, business lines of credit and even jobs due to these items being negligently reported on my credit report despite numerous disputes being submitted. For three years, I have suffered, and it must come to an end today. I have attached the article for review. 

These accounts were transferred to Aidvantage from XXXX. XXXX was sued in XXXX for incorrectly reporting the payment history of millions of consumers. I am one of those consumers affected by this error. 



Aidvantage sent me a generic response without properly investigating my claims. These late payments have gravely injured me and defamed my character. Causing me to not qualify for life enhancing opportunities. 

I have no relationship with Aidvantage, neither did I consent to them having my personal information.

Company response to consumer: Closed with explanation