BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have a Coinbase account to purchase crypto currency. Coinbase has a tab called Learn and Earn that you use to receive money from crypto currencies to promote their currency. Coinbase added a promotion to advertise their Coinbase wallet. After going through the process of learning about what it was and setting it up I sent {$100.00} of my position in XXXX to it to see how it worked and if it was something I'd like to do. Upon sending the transfer I looked into the transaction and I was charged {$10.00} for that transaction without notification. Once the funds were in the wallet I looked into purchasing other crypto with it and it told me I would have a fee of around {$40.00} in XXXX to be able to do that transaction. I thought that was ridiculous and no longer wanted to participate in something that had such ridiculous fees so I tried to send the money back to my account at Coinbase, the same fee applied. Not only was the fee ridiculous but I was required to pay that fee in XXXX  ( XXXX  ) coins, which means I would have to spend that {$40.00} transaction fee to purchase {$40.00} in XXXX so I could pay another {$40.00} to move my money back to the account I was just in. You see how absurd this is. I have since found out I can lower fees by timing when I do it but lowest fees I have seen are {$25.00} or so. None of these enormous fees were disclosed by Coinbase. I don't expect to get all my money back but Coinbase should be made to disclose how bad these fees are before you are trapped into to just giving away your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated calls reguarding attemp to collect a debt tried blocking, continue calling,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
After a lengthy battle with Santander consumer USA. I filed several complaints with the office of the president, most recently I was working with XXXX from the office of the president. We came to a settlement agreement for the vehicle to be paid off for {$7200.00}. Well above the total that the maturity date would reflect. this vehicle was sold on XXXX/XXXX/XXXX to XXXX. Santander processed the payment on XXXX/XXXX/XXXX. After Santander received the payment and after I disputed via e-mail and speaking to XXXX directly, I continue to receive statements and when I call my account is still open, my credit report is reporting it as open, And as recently as XXXX/XXXX/XXXX I received another statement and they have increased my maturity date and charged me payments and interest ( after the account was paid and should be closed ), This is a breach of contract! I was over charged via deception ( the requested balance did not match the previous maturity date of XXXX, so they changed the maturity date to XXXX on the XXXX statement, after the car was sold. They breached our settlement agreement, reported harmful and erroneous information on my credit report, causing harm to my income/debt ratio. I reached out to XXXX on XXXX/XXXX/XXXX to correct this matter, he failed to do so, he breached our contract and the deception only increased. I now feel that the overage I paid of {$2400.00} should be returned to me. Previous balance {$360.00} X 13 months ( maturity date of XXXX ) totaling {$4700.00}. {$7200.00} ( amount paid by me ) - $ XXXX {$2400.00}. My credit report needs to be updated and I would like a correct statement sent to me as closed and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I submitted 4 notarized dispute letters with documentation supporting my claims via certified mail to XXXX and Transunion on XXXX/XXXX/22. 

The post office confirmed that they was delivered and XXXX and Transunion said they didn't receive them and refused to fix the inaccuracies on my credit report. 

I tried to reach out to both Transunion and XXXX but was unsuccessful with resolving this matter. I also have the certified mail receipts to support my claim.

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 2015-08-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX, I contacted Santander CSR around the Holidays last year to explain that I would not have internet and so I would be making a double payment in XX/XX/XXXX to cover both XX/XX/XXXX and XX/XX/XXXX. I was advised that it would not jeopardize my account. I made that double payment and they did not apply one payment towards XX/XX/XXXX so, from that point it looked like i was 30 days late each and every month. On top of that, auto bill pay from XXXX sends XXXX the payment a week prior to due date and still the payment is getting posted. Their CSR person told me that they do this purposefully to encourage customers to use online autopay or pay via web which incurs almost {$13.00} charge per online payment. I keep getting funneled to people within Santander who give me conflicting information. Ultimately, I want them to make good on their word, retract the 30 day late reporting from XX/XX/XXXX up to date XX/XX/XXXX. They are negatively and inaccurately reporting based on their dysfunctional customer service and supervisors who do not do what they say and misguide their customers. Several times I called in to update my address as the company was mailing statements to an address that I lived at 9 years ago so I was making blind payments based on the fact that they NEVER did their job and updated info. I just recently and FINALLY got the help i needed to gain online entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Santander Consumer USA Holdings Inc.
State: WY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am dealing with Santander Consumer USA. I have recently found that over XXXX in payments are missing from my account and that resulted in a repossession and absurd amounts of money to retrieve my vehicle. I have my bank statements and copies of my checks that were sent on time and cashed weeks later. I also never received any contact when they determined I was late. Four months went by and they charged the account off marking my credit badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage will not update my account to reflect that XX/XX/XXXX payment has been made and to reflect my next payment is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage account # XXXX DOB XX/XX/XXXX SS # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Account Control Technology, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the course of  XXXX , I accrued a debt with the college I was enrolled at that year,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Due to some college loans/grants/awards falling through, I was unable to repay the amount immediately. I subsequently re-enlisted in the  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . While I was on  XXXX   XXXX , the college discharged my outstanding tuition bill ( {$8300.00} ) to a private debt collector, I believe in violation of SCRA. That private debt collector then assessed {$1800.00} in collection fees while I was on  XXXX   XXXX , also in violation of SCRA. ( Please see  XXXX ,  XXXX  claims debt transferred to ACT )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
1. What happened? 
JPMorgan Chase bank representative, via the telephone call center located in XXXX, TX, asked me for a XXXX XXXX and/or XXXX  to confirm my identity. To begin, this took place at the Chase branch ( XXXX XXXX. XXXX XXXX, XXXX, I ), when I was instructed to go to a local branch to confirm my identity ( to provide my driver 's license, since my accounts were locked ). 

Chase employees at the branch ( XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  ), confirmed my identity once I arrived ; however, the Chase representative didn't believe their own Chase employees and began questioning them. Chase was attempted to hold XXXX plus for the next XXXX until my identity was confirmed. 

I have been banking with Chase for 13 + years, XXXX credit cards, a past mortgage, so Chase has all of my information on file, and to be asked to produce a XXXX XXXX and XXXX  for a US Citizen violates my Civil Rights and Chicago Human Rights Ordinance. To this data, Chase hasn't responded to the complaints the employees submitted, nor my complaint submitted to them. 

Chase has confirmed my identity numerous times with credit information and or background questions, but this representative went outside of Chase rules to ask for documentation that isn't pertinent nor relevant to my situation. 

This is a violation of my Civil Rights and Chicago Human Rights Ordinance. 

2. Dates, places, and the names of the people directly involved. 
XX/XX/2022, XXXX XXXX. XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, Chase employees & person on the telephone in Chase Fraud division.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Im writing regarding my missing 0 % intro apr. On the webpage of the application for the USbank cash plus card, it has the 0 % intro apr on purchases and balance transfer for the first 15 billing periods. I applied and got approved for the card this year XXXX. However, after I was charged interest and a phone call with a card member agent, I was informed that the 0 % intro apr is not applied to my account. 
0 % intro apr for 15 billing periods was part of the reason I applied for the XXXX XXXX card. The 0 % intro apr is still on the webpage.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: NJ
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 CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement letter from Medicredit INC with an outstanding balance of {$1600.00}. I was told if I paid {$830.00} that this would settle and close out the account. I wrote a check for {$830.00} which cleared my bank on XX/XX/XXXX. I called them on XX/XX/XXXX and XX/XX/XXXX after getting messages that I still owed them money and talked to a young lady that told me the account had been sold to their secondary company on the XXXX of XXXX and I was now going to have to pay the secondary company. Medicredit INC says I still owe them the {$830.00} to get this off my credit but they already cashed my check, so I asked to speak to a supervisor and was told to leave a message that they never returned. Got a call on XX/XX/XXXX and talked to XXXX XXXX Who again told me that Medicredit INC had sent my account to their secondary company on the XXXX after they had already cashed my check on the XXXX of XXXX, demanding I still needed to pay the additional {$830.00}. I Told her that they needed to return the check they cashed because they took the funds without providing the agreed upon service. I would then send the money on to this secondary company that they sold it to. XXXX XXXX said they would not return the money and that I would have to pay their secondary company an additional {$830.00} before they would remove it from my credit. From my understanding after Medicredit INC cashed the check they should have closed my account. I am failing to see how it is legal for a company to take my money then renege on the contract and sell it off to a parent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Louisiana Bureau of Credit Control Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt is in reference to a portion of rent that a former landlord says I owe when I provided the correct move-out notice and the landlord also breached my contract by entering apartment without notification ( expressly forbidden by the lease agreement ) on multiple occasions, thereby violating my privacy. 

I am contesting the actions of the collection agency, Louisiana Bureau of Credit Control located at XXXX XXXX XXXX, XXXX LA XXXX lbccinc.com XXXXThe collection company informed the XXXX credit agencies - XXXX, XXXX, & XXXX - on XXXX XXXX of a delinquent debt. However, I was not sent a letter until XXXX XXXX. On XXXX XXXX, 2015 I sent a certified letter ( USPS XXXX XXXX XXXX XXXX XXXX ) disputing the debt. 

The collection agency is required by law to notify the XXXX credit bureaus of this dispute. They did not. I visited their office on XX/XX/XXXX and was informed by the manager that they passed the dispute on the credit agencies. On XX/XX/2015 I called all XXXX credit bureaus and none of them have any data indicating that Louisiana Bureau of Credit Collections ever notified them of my dispute. 

This violates the Fair Credit Reporting Act on the grounds that 1 ) they did not validate the debt and filed it with the XXXX credit agencies XXXX months before sending me a collections letter, and 2 ) they did not forward my dispute on the credit agencies as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Diversified Adjustment Service, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receiving recorded message daily for 3 months from " Diversified Adjustment Service '' debt collector. The " service '' does not ask for us by name and never has because we believe they are merely attempting to attach a name to our non-published phone number. 
The " service '' always request that we contact them at their XXXX phone number, and we believe that their software will identify the person and no-pub number they are calling daily. Their is never an active person on their end, and they prefer leaving a daily msg on the answering machine. We have had to leave our machine full so that it cuts them off, which means that we can not receive other messages. Why do n't these buzzards have an active representative contact us to verify that they have the correct party/parties? They are merely manipulators attempting to ascertain info from private phone numbers and do not want to divulge who they are wanting to contact because the person probably does not exist. Phishing and unnecessary harassment ...

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with BMO Harris Bank, which came with a {$200.00} bonus offer to be paid within approximately 120 days of account opening. It has been over 120 days since I opened my account, and I have fulfilled all the terms of the offer, but have not yet received my bonus. I contacted customer service, and they said that they were unable to see the status of the bonus, but that their marketing team was running 2-3 weeks behind schedule. However, it has already been more than 3 weeks since my account was open for 120 days, so even according to their delayed time frame, I should have received my bonus by now.

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 2021-04-22
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I received notice that a new collection account was added to my credit report. Upon calling the collection agency, I discovered this account was never mine and was fraudulently opened. 

The account was originated by XXXX XXXX with whom Ive never had an account. Additionally, the address used has never been my mailing address, place of residence, or familiar to me. 

The collection agency, Sequium Asset Solutions recorded my dispute and will investigate. I contacted XXXX and placed a fraud alert on my credit report and initiated an investigation. They asked me to file a report with the FTC. 

Dispute information : Sequium Asset Solutions Amount : {$460.00} Phone : XXXX XXXX Dispute reference number : XXXX Fraudulent partys address : XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX received CitiBank Card. 
Had promotional period of 0 % for 21 months for balance transfers- until XXXX. 

May- did XXXX transfer, tried to do another, Had numerous problems. Did not go through initially, called, on hold for over an hour, no one could help me. Finally got a hold of supervisor, her name was XXXX, on XXXX XXXX, she personally did the transfer, then a few days later, I get an alert of fraudulent activity on my card- I tried the chat box, no avail, I called, no help, called again, again, again, Called yesterday, on hold again for over an hour- problem was never fixed. She kept putting me on hold, Had no idea what she was doing. Finally, she came on and said they could send a paper check for the transfer. Then, on hold again, came back and said they couldn't even do that. I asked why???? Couldn't answer me. 
I finally gave up, canceled the card called to complain, hard to get a hold of anyone. 
No one to file a complaint with. Called Corporate, they only handle " public relations " WHAT THE XXXX IS GOING ON??? 
GOOD LUCK- THEY DON'T GIVE A XXXX ABOUT THEIR CUSTOMERS! 

I am a responsible consumer trying to pay off medical debt. My husband died last year, had lots of medical debt. This was a perfect solution for me Now, I have to take out a personal loan, with a higher interest rate. 
Great way to treat a XXXX Veteran! 

PLEASE DO SOMETHING! 


XXXX 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