BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
hello, I have business account with Bank Of America for the last 2 years. its very hard to get in to the bank, they have restricted ours, all employees of Bank oaf America close the location for no reason. I wait again for 2 days to get appoint to open my escrow account requiem by the state for my business XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I open personal account for my parol, which was convenience! I try to login to my accounts, no of the the works! I cant login to business account, Dost work. I try my personal account dost work! I try to get appointment to the branch, they are not available. How did we get to the point, that banks to return your calls and not responsible for get you information as a client. After all money that Bank of American got from Government, we still not serving a small business. The only number from Bank of America was available for my call was if you want to buy a stacks. Maybe be is a time for Bank of America to get out of regular banking and just to do stack market!, on the meant time Im stack with incompetence of transfer Business accounts to Personal accounts, and no answer. Bank of America cant process personal account and business account the same time!!! Its time for Bank of America to Retire! They have been taking enough money from government to supplant they personal benefit of CEO to rest of their lifes, its time for change! incompetence cost you money! They never have been for the small busies in a first time!,,

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 2021-08-31
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021, at XXXX XXXX  ( Arizona time ), I received two emails from Coinbase.com stating that I had transferred virtually all of my Bitcoin ( BTC ) and Ethereum ( ETH ) to unknown wallets. I did not authorize these transactions, and have since learned from Coinbase that someone without my knowledge or authorization installed an API in my account, which they used to access my account and perform these fraudulent withdrawals. 

I also learned that Coinbase hides this activity from me in the activity log in my account so that I did not know, and could not have known, when the thief or thieves accessed my account. It appears that the API Coinbase allowed to be installed also bypasses all of my chosen security measures, including 2-factor authentication to log into my account and 2-factor authentication to withdraw or transfer funds.

At the time of this theft, my XXXX BTC was worth {$11000.00} and my XXXX ETH was worth {$8300.00} ( a little over {$13000.00} today ) There were also transaction fees associated with these transfers that were paid from my Coinbase account. 

The emails I received said : Congratulations! You have successfully sent XXXX BTC to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX BTC ( {$1.00} USD ) in network fees. 
Congratulations! You have successfully sent XXXX ETH to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX ETH ( {$16.00} USD ) in network fees. 

I filed a complaint at ic3.gov, and have not heard anything at all. I filed a complaint with the Arizona Attorney General 's Office, and they were able to get Coinbase to provide some limited information about the API that was fraudulently installed, but Coinbase has since refused to provide any additional information, including whether or not the addresses above to which my funds were sent were associated with a Coinbase or other XXXX  account that could be traced to the owner. 

If the CFPB could require Coinbase to provide additional information about the theft, including the question above, as well as the dates/times/IP addresses that were used to access my account via the fraudulently installed API, I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
THIS IS NOT THE FIRST COMPLAINT I MAKE AGAINST PENNYMAC. 
PENNYMAC DO NOT HAVE LEGAL STANDING, LEGAL CAPACITY OR LEGAL RIGTH TO CONTINUE ARRASMENT AGAINST ME AND MY ENTIRE FAMILY. 
THIS TIME THEY COMPLAINT WILL BE AGAINST PENNYMAC, XXXX XXXX, PHONE # XXXX, WHO ILLEGALY JOIN OR WAS HIRE BY PENNYMAC IN CONJUCTION WITH THE XXXX XXXX, BROKER NAME XXXX XXXX, LIC # XXXX XXXX WITH PHONE # XXXX. 
I ALREADY CONTACT MY CONGRESSMAN XXXX XXXX TO INVESTIGATE IN CONJUCTION WITH FCPB, TELEPHONE # XXXX, PERSON TO CONTACT XXXX XXXX DIRECTOR OF CONSTITUENT SERVICES. 
THE ISSUE IS NOT ONLY MY PROBLEM, IT 'S US D.O.J AKA. US DEPARTMENT OF JUSTICIE. THIS CONSTITUED STREAM FRAUD CONSTITUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: ACIMA CREDIT, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I obtained property from XXXX XXXX XXXX  using Acima. When purchasing this product it specifically stated that it was a lease and not a loan. Having had the product for a few months I decided that I did not want it anymore, therefore I was able to RETURN IT to ACIMA, the rightful owner. The agent on the phone advised of my return options, relating that it can be returned directly to ACIMA via shipping or it can be donated and will be considered paid and closed as it is NOT a loan. Under the direction of ACIMA, I donated this property to a not-for-profit organization as shipping it was not an option. ACIMA then suspended the collection of further payments and actually REFUNDED ME. I took a look at my credit report and noticed this account showed, paid, closed {$0.00} balance yet the remarks state this was voluntarily surrendered. How is that so? I never owned the property, therefore I can not surrender what it is not mine - it was a lease not a loan. This ofcourse negatively impacted my score drastically. After contacting ACIMA regarding this, I received a call from ACIMA on todays date to which the female employee stated that I could no longer make the payments thats why it was surrendered ( repossessed ) and they refunded me. WHY ARE YOU REFUNDING ME IF I OWE YOU??? It does not make sense. I demanded that they update the creditors to reflect the correct information to which they declined! I never owned the property, I never agreed to purchase the property - hence it being a LEASE. It should not be reporting as voluntarily surrendered because it was a RETURN! Again, it states PAID, CLOSED, {$0.00} Balance.. yet it was surrender? They REFUNDED ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I'm trying to use my Barclays XXXX XXXX with a merchant. I've literally tried making a purchase XXXX dozen times. When I talk to the merchant they say its the credit card company that is the problem. When I call XXXX XXXX 4 times now, including the most recent attempt where I talked to a very nice supervisor ) they say its the merchant. Something needs to be fixed and I'm coming to you, CFPB, because in past experiences I know that these complaints get elevated to a level where I get the attention of someone who has the visibility to cross the many Bank divisions to solve problems. I'm simply trying to use Barclays more. And actually make a purchase at a vendor who accepts XXXX. That's 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 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX =. Case #. XXXX Set up a case with XXXX requesting Capital One Bank Participate in Arbitration - I have paid the {$200.00} fees and Capital One has yet to respond. The deadline was for XX/XX/XXXX. XXXX. 

I paid for the cost of the Arbitration however Capital One has not. The XXXX sent numerous requests to Capital One via certified mail but to date has been ignored. 

According to the Terms and Conditions of. Capital One I am required to start a Arbitration action prior to any civil action. 

I am requesting that the CFPB contact Capital One and advise them to continue the Arbitration Process. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I owe about XXXX in private student loans. I am XXXX years old and unable to afford a mortgage and move on with my life. is there any way I could pay less or have something forgiven? I am with navient and have a very low interest rate. I am paying XXXX in private loans and XXXX in federal. I 've called many different Places with no help. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Arbor Residential Mortgage LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage has messed up our home loan since XXXX XXXX the very first month and has taken almost two years to resolve a payment dispute of XXXX payments from XXXX and XXXX XXXX when the payment XXXX up from the first month took 9 months yo review and kept getting excuses snd put off even tho called for status constantly. Was told these were in a " suspense '' account. They still have not admitted this error and despite being sent numerous bank statements and electronic transaction information from XXXX Bank as well as us, they still claim we owe this and theres always another excuse or accusing us of not sending the correct info or that they need thisbor that permisdion. Anything to not fix this or take responsibility! Especially after receiving information from the bank. They also sent emails they claimed not to send and have tried to recall emails their staff realized was sent to us instead of internally talking about us and info that was being requested!! Totally unprofessional and complete liars! Now they are claiming payments were not made from XXXX to XXXX XXXX despite thevpayments being sent priority mail. They insinuated checks were returned that were cashed also! They have misasplied and have this account so messed up and then always get different answers, they lie, and are unprofessional. It should not be this hard or long to get this resolved and documentation regarding status of this account! This is unacceptable!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: AZ
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:
I DISPUTED ON XX/XX/2021 TO THE BUREAUS ABOUT ACCOUNTS THAT ARE NOT IN THE CHARGE OFF STATUS AND TO BE VERIFIED WITH ALL PROOF SENT TO ME OF THE VERIFIACTION PROCESS ALSO ONE ACCOUNT THAT I WAS NEVER LATE ON. IT IS DETAILED IN THE LETTER ENCLOSED. MY PROBLEM IS, 2 TIMES NOW THEY FAILED TO ABIDE BY THE LAW.. SO NOW THE MUST DELETE ACCOUNTS IN QUESTION SINCE THEY ARE IN VIOLATION OF THE STATUES LISTED BELOW. 
YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While looking for a mortgage lender, Quicken Loans customer service agents stated numerous times via email, voice, and online communications that they would be able to accept semi-monthly payments ( XXXX payments a month ) and suggested that those payments would be applied immediately. After obtaining my loan and making semi-monthly payments I noticed that Quicken Loans would wait until the second payment is received before applying the payments. After a reply from QL via XXXX, they notified me that mortgage interest is paid in arrears. Although this is not a common term ( try XXXX it ) and is not normally used with mortgages, it means that the half payments would make no difference. 
1 ) Quicken Loans mislead me on several occasions to believe they would accept and apply payments immediately. ( email available ) 2 ) Quicken Loans does not easily disclose how their mortgage interest is calculated. ( try searching " arrears '' and " quicken loans '' ) 3 ) Knowing this, I would not have went with Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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:
I have repeatedly filed disputes ( XX/XX/2021 ) with Experian credit report services regarding an item called " XXXX XXXX XXXX XXXX '' which represents a credit card extended to me which I failed to pay on time and was closed ; this was my fault. As Experian states, the debt was purchased by another lender ; I paid that lender for the amount in full. What I have disputed are the following two pieces of information on this item. First, it is listed as " Charged Off '' twice and this is simply not possible! The second is that It continues to be listed as " Closed '' but not " Paid, Closed. '' as it should. As they requested, I have contacted XXXX XXXX XXXX and they have told me they are not involved with this item as they sold it to another lender called XXXX XXXX XXXX which is listed with this item on Experian. I have uploaded a letter from XXXX XXXX XXXX, to whom I paid the balance, which says to Experian as follows : " Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been satisfied. Your account will be considered paid-in-full after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. '' and, as a result, the entire item should be removed from Experian as it says " delete our company 's tradeline '' which they refuse to do.

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 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX  XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.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 2016-10-18
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MY MORTAGE HAD BEEN WITH XXXX XXXX XXXX. THEY WERE TAKEN OVER OR SHUT DOWN BY NCUA. THEY SENT MY MTGE TO CREDIT/COLLECTION MORTGAGE AGENCY CALLED ROUND POINT MORTGAGE. AS I WAS GOING THRU A HARDSHIP & AS MY INCOME HAD REDUCED BY SOME, THEY ASSISTED ME FOR A SHORT TIME. AS THEY ASSISTED, MY LOAN WAS NEVER BROUGHT CURRENT AS THEY STATED THEY WOULD DO. LAST YEAR & EARLIER THIS YEAR I APPLIED NUMBEROUS TIMES TO REQUEST FOR ASSISTANCE WITH THEM, HOWEVER THEY DELAYED & DENIED MY MODIFICATION/ASSISTANCE REQUEST AND WOUDL NOT ALLOW ME TO PAY ONTO MY ACCOUNT UNLESS I BROUGHT IT COMPLETELY UP TO DATE, SO TTHEREFORE MY MTGE CONTINUED TO GET FURTHER BEHIND. I CONTINUE TO GET RUN AROUND/ALWAYS DIFFERENT REPS HANDLING MY ACCOUNT. AND WHEN I ASK FOR A PAYOFF IN WRITING SEVERAL TIMES THIS YEAR THEY NEVER PROVIDED ( I ASKED FOR THEM TO PROVIDE IN EMAIL OR LETTER ) TO THIS DAY THEY STILL WOULD NOT PROVIDE. AS OF EARLIER THIS YEAR THEY ALSO INCREASED MY MTGE PAYMENT, FOR WHICH I FEEL IS NOT LEGAL TO DUE, WITHOUT MY ACKNOWLEDGEMENT. MY RATE WAS 2 % AT APROX {$640.00} PMT, AND HAS INCREASED TO {$1000.00} A MONTH, SO WOULD MAKE ME WAY OVER OBLIGATED AND/OR INTENTIONAL UNLAWFUL PRACTICE WITH THIS COLLECTION AGENCY!!

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 2016-04-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I opened a Chase Slate card late last year. 
I 've been paying 3-4 times the amount due each month. The last two months I rec 'd notice ( in an email and text ) that my payment was due. When this happened to me this past month I decided to sign on to their app to make sure I had actually paid. I found that I had made the following payments ... XXXX XXXX {$60.00}, XXXX XXXX {$200.00}, XXXX XXXX {$130.00}, XXXX XXXX {$200.00}, XXXX XXXX {$300.00}, XXXX XXXX {$100.00} AND I had XXXX late charges ( XXXX XXXX {$25.00}, XXXX XXXX {$35.00} and XXXX XXXX {$35.00} ). When I called to find out what was going on and to see if I could have these late charges waived, I was told they could waive XXXX and that the late charges were occurring b/c I was paying too EARLY! They claimed I had made my payment before the new cycle had opened. After speaking with a supervisor and getting all XXXX late charges credited back, I made sure that my next payment did not get to them TOO early ( I sent {$200.00} on XXXX XXXX ). I also told them that this was a sneaky way of making money. Responsible people may WANT to pay their bills early and should not be penalized. 
I work for XXXX as a XXXX and know good and well they have the capability to look back to a prior month to check for early payments. This really needs to be looked into as I feel they are taking advantage of honest people who want to pay their bills on time. 

( Someone also needs to check this text box. When I type, only XXXX characters appear on each line. The rest may appear once I submit but they disappear on your web page. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: Credit Bureau Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
CBCS verbally has told the XXXX XXXX XXXX XXXX that I owe XXXX and CBCS tells the XXXX XXXX to tell me to call and make payment arrangements but they have not sent me a letter or any written communication that I can dispute. I have no idea what this amount is about. I asked the XXXX center and they said CBCS knows the dates of services and amount and what the charges are for supposedly but the XXXX XXXX will not help me at all. I tell XXXX XXXX I have received nothing from CBCS but CBCS tells XXXX XXXX that CBCS want me to call them and make payment arrangement or I can not see my doctor. I am not agreeing with this at all. I 've been going to this place for treatment for a long time. I had a balance of XXXX and all of the sudden I have a balance of XXXX. I have had no opportunities to see what this is about, why I am being accused of this amount other than I told XXXX in the billing department she was very rude to me and ever since I have been targeted of being bullied by this billing department. Why would I call CBCS when I have never received a letter from them but the XXXX XXXX said CBCS has this amount and that is where XXXX XXXX got this number. It 's ridiculous to me how I have never heard or seen this amount ever before. The XXXX XXXX has sent me to collection for an amount that was paid by insurance, then they said I owed it and so I payed it and then they also sent me to collections for the amount that had already been paid twice.

Company response to consumer: Closed with non-monetary relief