BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-23
Company: IQOR US INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied Interstate, Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.

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 2016-10-24
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The rude collector emailed me twice and then called saying they were going to inform XXXX XXXX XXXX to issue a felony arrest since I did not pay back a payday loan. The payday loan they said I took out was apparently XXXX of 2015 and I did not take a payday loan out and the address associated with the loan is not mine and the job title I supposedly said I did is not me either. The rude lady would not give me any more details or help me on what to do she said I needed to pay it or I would get arrested and the judge would be mean and nasty and make me pay it anyway even if I did not actually take out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: USI Solutions Inc.
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 a letter from XXXX XXXX XXXX stating their client USI Solutions , Inc turned a debt over to them that was originally owned by XXXX. I don't know what debt this is referring to and have not received any other communication regarding this debt of {$5600.00}. They offer a discounted payment of {$1400.00} if paid by XX/XX/21. I am not sure if this is real or a scam. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS has not provide me with statements or online access to my account information thus no printable info. I have faxed request # XXXX on XXXX XXXX XXXX for current information on all, that includes tax, insurance and the disbursement of my payments ( some of which I paid over the amount ) the principal, and the disbursement of the funds from the hardest hit recast loan. Fax # XXXX this morning. I called last month to ask what my payment was taxes and insurance had been included but, I had received a tax bill a couple of weeks ago which I never had before. I called and I have to go through multiple departments to get answers. I filed bankruptcy XXXX/XXXX/XXXX at that time they were not to contact me thus I could n't access my account. My bankruptcy was XXXX XXXX/XXXX/XXXX. So why ca n't I get a statement, online access of printable info. How was my money disbursed has yet to be answered. I received documents that were unacceptable and incomplete not providing the information I requested. I also received a letter from SLS last week stating it would take a month to get this request processed. 
Today I received an email from the insurance company they will be taking payments out of my account. I get 1 week notice on the change? I ca n't access my account online thus I can not print anything directly from them I have to do a screen copy, why? My computer is not the issue. 
I have made inquiries by phone and my XXXX request by fax this am. I am disable and I need to know where my limited income has to go, not last minute. I will be calling them along with the fax to find out my payment due for XXXX. I 'm KEEPING my HOME all I want is fair, complete, and accurate information regarding my mortgage. I was fortunate to get the assistance from the fund only to be blindsided by the mortgage holder. I have had too many of them but this is the worst to date. 
Please help me resolve this matter t keeps me up at night. 


Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello CFPB, I am writing to you because I have not received any satisfactory resolution from CoinBase for 3 months. 

I currently have around XXXX in funds which have been 'locked ' on CoinBase with no explanation. All of my account information has been verified and there are no informed locks on my account. 

For the last 3 months, CoinBase have not co-operated in finding a solution to this issue.

I have contacted CoinBase many times regarding this on multiple different platforms. All of my support cases get ignored, closed down as completed without response or I am provided with answers which provide no solution.

I can see from CoinBase support pages that there are thousands of new cases being created of a similar nature every day, on support pages such as XXXX.XXXXXXXXXXXXXXXXCoinBase. 

It is an incredibly frustrating situation and I do not know how I am going to get this resolved without contacting an organisation such as yourself. 

I believe that this needs urgent investigation, not only for my XXXX  but for other business and individuals falling victim to CoinBase 's non-existent support and in-turn suffering significant financial implications. 

My business has had to take out a XXXX loan to cover the money that has been locked on the business account. My business has also had to cover significant 'Exchange Fees ' to convert the Bitcoin to XXXX to prevent unwanted fluctuations in the value. 

Here is a list of the cases that I have created with CoinBase 's support system. I have received responses on very few of these case ID 's and none of the responses have resolved my issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: U.S. BANCORP
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
The letter sent to ELAN XXXX below XXXX outlines what happened. I have disputed the incorrect credit reporting XXXX, including the following letter and my credit card statements as evidence, to which they came back with no changes stating they 'verified ' the information reported. I have also disputed the incorrect credit reporting through ELAN 's XXXX Disputes Dept, but no corrections have been made to my credit file. 


ELAN Financial ServicesXXXX DisputesXXXX XXXX XXXX XXXX XXXX MO XXXXRe XXXXDear ELAN Financial Services XXXX I am responding to your reporting on my credit file. You first contacted me by mail XX/XX/XXXX to attempt to collect {$15.00}. I did not have any responsibility for the alleged debt you were trying to collect. 


I have attached my XX/XX/XXXX credit card statements for you to view. Please take note of the transition from XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I disputed the {$15.00} with my credit union after receiving statements that I had a ZERO balance with a minimum {$15.00} payment. My credit union investigated my dispute and deemed the {$15.00} an error on their part, resulting from a payment to my credit card that was misapplied by XXXX XXXX XXXX XX/XX/XXXX. It was also acknowledged as the second misapplied payment, following the first XX/XX/XXXX You will find the {$15.00} credited to me by XXXX XXXX XXXX on my XX/XX/XXXX credit card statement. 


Please verify and update the following incorrect information in my credit file : past due status XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status in XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status XX/XX/XXXX & lt ; -- - owed a XXXX balanceIf the corrections that need to be made are not immediately addressed, I will have no choice other than to move forward with this complaint to the Consumer Financial Protection Bureau and/or file suit. 


Thank you for your cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Re : NetCredit false Statements To Whom It May Concern : Below are screenshots of me continuing to receive false statement email notifications when my loan has been paid off since XX/XX/2020 and I didnt take out any additional loans. I also sent NetCredit an email on XX/XX/2020 to stop sending me emails because I dont have a balance, but I didnt receive any response and continue to receive email notifications. 
See screenshots below.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid my bill to the XXXX in full in 2011. Then I got a bill for {$1800.00}. I contacted XXXX ( we had coverage through XXXX ) and they said the XXXX never filed for XXXX portion of my treatment. I tried to explain this to the office several times and they threatened a lawsuit. 
I have not responded sooner to the incorrect report on my credit file because of ongoing sickness with my husband. Now I feel this has gone on long enough. I do not owe this balance and I asked them for the records a long time ago and never got them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
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 keep receiving harassing calls from Wakefield & Associates, whom I assume is a debt collector and whom I have no affiliation with or any of their clients. I have no outstanding bills as I pay all my debts in full each month from auto drafts from my checking account with records of all transactions. I do n't know how they have my phone number but would assume it is from past identity theft. Whatever information Wakefield may have as indication of some unknown debt is sure to be invalid as I am sure they do not have any notarized documents as I personally never had any business with them or any of their clients. I previously filed an identity theft report with the FTC, reference number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Balance transfer

Complaint:
Bank of America charged me twice for a balance transfer. The first charge was correct ; the second charge was in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: CT
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 sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 

Equifax tracking : XXXX XXXX XXXX XXXX XXXX received XX/XX/20 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am writing about Navient Corporation. I applied for discharge due to XXXX in 2012. I was approved and my loans were discharged. I have also now completed the 3 year monitoring period successfully. The people at the Department of Education as well as XXXX have been fantastic. The communication was great. So now I see on my credit reports that these loans who were serviced by XXXX and Navient originally are showing late and have ruined my credit score. I have contacted Navient and have also disputed the details with the credit bureaus. Nothing has changed. Navient refuses to make any changes to my bureau. So basically I can not buy a home, car, or anything else. I would like to own my own home in the last years of my life. XXXX. Navient refuses to help me. I have never dealt with such a terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Apparently a fraudulent claim was made for unemployment benefits. USBank sent me a ReliaCard apparently for those funds to be loaded on. I reported the fraud to the Colorado State office, and was directed to try and contact USBank to report the fraud to them as well. For two days I have attempted to reach a representative for USBank ReliaCard, however their system continues to disconnect you if you do not put in your SSN, which I refuse due to the fraud being committed thru this company. I attempted to go thru my USBank XXXXVisa  card branch who also where unable to get thru to any representative in the ReliaCard branch. I called 3 different times on XX/XX/20, and again 4 times on XX/XX/20, before I attempted to go thru the XXXXVisa branch. I spent over two hours attempting to file the fraud claim with this company to no avail and no response.

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 2016-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 'm addressing the fraudulent vandalism by BOA employees, to my house during the loan modification. My civil rites as a property owner, were violated by BofA employed agents to try to get me to vacate my property, when I was only one month in the rear in payments, and owned my house for more than 40 years and had XXXX BOA loans for more than 80 years. My XXXX XXXX XXXX stated that BOA was responsible for the damage, and cancelled my homeowner 's insurance policy. I took this up to the Department of Insurance, and they told me that you were working with litigation with Bank of America, also recommended I contact the BOA/ CEO president, he said that he could not speak with me because he was working with the state of California on litigation. 

We are XXXX and have limited income and are XXXX. We have a home which we have owned for more then 4 decades and was vandalized by BOA during their loan modifcations.

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 2020-12-30
Company: Oliver Adjustment Co.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit to discover a debt that doesn't belong to me. It is from OAC and account # XXXX, XXXX account number XXXX and lastly XXXX/XXXX  Credit # 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 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
The monthly statment from my credit card company comes in an extremely plain, nondescript envelope without any marking or indication whom the letter is from. The envelope merely says " your statment enclosed. '' The return address is an ambiguous XXXX XXXX . The back it says to visit the website but does not say which website. This seems like it is a practice intended to cause the statement to be confused with junk mail and thrown away causing consumers to miss their payments. This is wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
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:
For the past year or so, every time I have tried to pay extra on my one loan, it only advanced the due date of my payment with Naviant. I have even called to have the issue fixed but it was not fixed. Each time my due date was pushed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The company has been harassing me at my employment about paying the bill on the loan. I have expressed to them that I am not working as often and I am ill, in and out of the hospital. I did not and do not give them permission to harass me and nor my family about calling me about this loan. I am requesting that they set up a payment plan that is affordable to me at this time. I do not have a problem paying the bill, but I will NOT accept them harassing me.

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 2020-12-31
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The company paid property tax payments out of my escrow account twice which caused my account to be overdrawn and a advance was given to cover the funds needed by Atlantic Bay Mortgage. In the beginning my county property tax was {$4400.00} but the county also issued a corrected property tax statement showing that my taxes were lowered to {$4000.00}. Atlantic Bay Mortgage ignored the statements and paid both amounts. There was not enough money in the escrow account to cover both tax bills because only one bill should have been paid. I emailed Atlantic Bay Mortgage both statements in a timely manner but they still proceeded with paying both amounts and then tried to cover up the error by issuing an advance of {$2200.00} to my account to pay both amounts. They also took the funds that were in the escrow account. This caused my combined mortgage payment to go from {$1900.00} per month to over {$2600.00} per month. This is money I, as a XXXX Veteran and social security recipient, do not have on hand to pay because of an error. I have called by phone, email and sent letters by postal mail to Atlantic Bay Mortgage but have yet to receive a correction or satisfactory resolution to this matter. Atlantic Bay Mortgage also proceeded with covering their tracks by issuing the payments as a Lien/Tax Distribution when I have no such lien. The customer service agent told me they were waiting on a response from the county tax agency. I called them directly and they confirmed that they did not receive two payments and that their system will not accept partial and over payments. All I need is a correction to the account and all errors resolved. I then need my combined mortgage/escrow account payment to be corrected prior to this high payment that they have forced on me in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Our mortgage was sold to XXXX different banks. XXXX of the was Bank of America. They sold it to XXXX XXXX XXXX. Now they want to foreclose on us without giving us an opportunity to solidify the debt therefore by allowing us to have an affordable payment plan according to our budget.

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