BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: Coinbase, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/XXXX I opened a Coinbase account and made deposits from my bank totaling {$7000.00}, to purchase certain cryptocurrencies that Coinbase supports. On or about XX/XX/XXXX I discovered that I could not access my account because Coinbase had locked me out and declared the account " Restricted. I submitted a support ticket to Coinbase making them aware of the issue. During a phone call with a " supposed Coinbase regulator '' remotely, he took over my computer remotely, accessing various files and uploaded my drivers license onto Coinbas 's recovery protocol. On XX/XX/XXXX Coinbase notified me that " Your Coinbase account recovery is successful, with no explanation why the account was frozen in the first place. On XX/XX/XXXX, I tried to access my Coinbase account, only to discover the account is restricted again. I had had no activity in the account between the two lock outs. 

I submitted a support ticket and Coinbase responded on XX/XX/XXXX with directions to click on a link that required me to pay {$490.00} to recover my account. I refused to the demand to make a payment. They responded by lowering the amount to {$380.00}! I immediately initiated another support ticket to Coinbase with copies of the the bizarre demands to pay money to recover my own account and my own assets. Coinbase has not responded with my request for support. If XXXX XXXX or XXXX XXXX tried this tactic with its clients, they would be shut down in a minute. I have no sense of control of my account or the my assets. This is America and in America we call this type of business practice as an unlawful, deceptive, fraudulent violation that demands regulation and punishment. Sadly, I don't believe that I am the only victim of what appears to be a one way scam. I am hoping that the Consumer Finance Protection Agency is able legally help rectify my situation and regain my liberty to access my own assets. Thank you for your attention to my request for your help in this matter. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-07
Company: FIRST MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are attempting to refinance our mortgage loan with XXXX XXXX XXXX XXXX. The credit union is not able to make contact with Fist Mortgage for pay off information. I have attempted to make make contact with First Mortgage by phone and e-mail and have not been successful. When attempting to make contact by phone, mail box is full. I sent them an e-mail and have not received a response. I also attempted to login into my account with First Mortgage on the internet and was not successful. After doing a XXXX search I was able to obtain information that their mortgage loans have been sold to XXXX XXXX and to XXXX. I contacted both of these financial institutions by phone and was advised that they do not have our loan. XXXX XXXX did indicate that First Mortgage did not sell all of their mortgage loans. We have received no written notification that our loan was sold and to who it was sold to.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-04
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid by the department of veterans affairs, I 'm on XXXX % XXXX the VA set up and paid for this, they need to get in touch with the department of veterans affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: National Processing Group LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls from XXXX saying they are looking for me. They are also calling my parents home. I have no idea what this is about but the calls are very threatening and annoying.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-20
Company: Delray Capital, LLC
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got a phone call from a woman from Del Ray Capital saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i recently saw an entry on my credit report from a company named CCS collections stating that I owed {$150.00} ( XXXX ) and {$250.00} ( XXXX ) from an insurance policy by XXXX XXXX from XXXX XXXX. The issue that I am having with this situation is I 've never been contacted from XXXX or CCS Collections regarding this matter. I was even given another policy with XXXX in XXXX without a mention of this " debt ''. The policy that I had in XXXX ended with a XXXX balance. Throughout the life of this policy, XXXX never mentioned any past due balances.I talked to a XXXX, an online CSR from XXXX indeed informed me that I had a debt of {$150.00} and that they tried to contact me, but because it was past two years, they purged their records and they have no records of this debt. I 'm pretty confident that XXXX never contacted me, but all correspondence with them was online. It is also an issue that CCS reported two different balances to XXXX and XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other fee

Complaint:
One year ago I applied a capital one XXXX, which has one-year membership fee waived. This year I decided to switch it to a non-membership fee card. I called after they already generated the statement with new year 's membership fee. They would switch my card ; however, they do n't grant prorated fee about the membership fee, which I feel it 's unfair. As far as I know, other cards such XXXX doed prorated fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-02
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX 2017, I received a collection letter from Credit Collection Services, XXXX, MA XXXX. I was perplexed by the collection notice as I have and have had insurance through the XXXX for almost 10 years. Immediately, I disputed file number XXXX. I explained that I continue to have the same insurance with The XXXX and only changed my last name from XXXX to XXXX. The debt for {$110.00} is not valid. Instead of investigating, the company posted this illegal debt on my credit report. Under the FCRA, a debt may be disputed within 30 days of receipt. Until the dispute is settled, the debt collector can not place the debt on the consumer 's credit. I am still disputing the validity of the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/2016, I received a debt collection letter from Ability Recovery Services , LLC, in XXXX. The letter was addressed to a similar name to mine. However, there is no one residing with me ( and never has been anyone residing with me ) by the name on the letter. Through my work, I know that Identity Thieves do not always get the names correct and felt that I was a victim of Identity Theft. Therefore, I checked my credit report through XXXX and found that this debt collection had been reported to the Credit Bureaus. After contacting Ability Recovery Services ' client, XXXX XXXX, it was found that a person with a similar name to mine had enrolled, but the address was in XXXX, XXXX ( a PO box ). Also, there were no Social Security numbers associated with the XXXX XXXX account. 
My complaint is : 1 ) Ability Recovery Services reported this debt collection to my Credit without a Social Security number that would link this debt to me ; 2 ) this debt is not my debt ; 3 ) Ability Recovery Services degraded my Credit score, dropping my score from " XXXX '' to " XXXX '' ( XXXX points ) ; 4 ) as of this complaint, 5 ) Ability Recovery Services has not removed this from my Credit, which they advised me would occur by this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been paying my bills down and on time and some of my loans off but yet my score decreased by XXXX points for no reason. Nothing changed with the exception of paying one loan off and another loan way down. This seemed odd to me and I do n't understand why my score went down for paying off my debt as instructed by usaa.com'a credit monitoring service. Please assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, ( original Creditor : ) acct # XXXX, ( original Creditor : ) acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXXXXXX XXXX XXXX acct # XXXX late paymentsXXXX XXXX XXXX XXXX XXXX  # XXXX 120 day late payments, cb indigo 60 day and 30 day late payments, XXXX XXXX 5 30 day late payments has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
BANK OF AMERICA IS A DEFINATE CRIMINAL!! HERES THE PROOF! AFTER 5-6 COMPLAINTS ABOUT A FRIVOLOUS ALLEGED DEBT THEY HAVE FAILED TO SHOW VALIDATION, THEY RESPONDED " IT SEEMS I HAVE BEEN A VICTIM OF FRAUD " NO XXXX XXXX!!! AND BANK OF AMERICA IS THE FRAUDSTERS CRIMINALS, THEY CAN NOT PROVE THIS DEBT IS MINE AND THEY FAIL TO COMMUNICATE WITH A PROPER RESPONSE, THEY ARE EVEN REPORTING ON THIS ALLEGED DEBT PASSED 7 YEARS AND THATS A CRIME ALSO, FURTHERMORE BANK OF AMERICA HAS NO VALID CURRENT CONTRACT WITH ME AND THATS ANOTHER CRIME, ANOTHER POINT IS HOW CAN A XXXX AMOUNT BE PROCESSED WHEN THERE IS A XXXX BALANCE AND THEY REFUSE TO ANSWER THAT ALSO!! 
SO HERES THE VERY SIMPLE QUESTION CAN YOU PROVE THIS ALLEGED DEBT IS MINE? YES OR NO. AND SHOW RELEVENCE TO YOUR ANSWER!!! YOU OWE ME NUMEROUS DAMAGES IN VIOLATIONS PLUS PUNATIVE, I WILL SEND YOU AN AFFIDAVIT AND WHEN YOU CAN NOT ANSWER IT ILL FILE A COMMERCIAL LIEN AGAINST YOUR CORPORATION, NO JUDGE IS NEEDED 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 2018-05-28
Company: EQUIFAX, 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:
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, Equifax, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX/XXXXXXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Actually all of the above selections cover the actions of the emails that I have received from a company called ACS inc. I requested l of the documents pertaining to the loan that they say I owed. I also requested the address of their company or the address of the Parent company. I have warned them that by law, it is within my rights to request these documents. They have refused. They have threatened to have me arrested. I explained to them that threats would not go far with me. I have agreed to pay a certain amount each week if the documentation has my signature electronic of written and I can verify that it is a debt that is mine. I have given them no personal information, bank info or credit card info.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: Thrive National Corporation
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The company National Fitness has a gym account for " XXXX '' on my credit report and it is not my account. The company National Fitness has gone out of business and representatives from the Fitness company say that I just need to contest the matter as they agree the account should not be on my report.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-25
Company: Worldwide Recovery LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-17
Company: SQUARETWO FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo has again issued a debit card without our request that would access our savings account. It also happened about 2 years ago. It is very upsetting because we didn't ask for it and it accesses our savings account. We already have debit cards that access our checking account. Like we told them last time, we don't want the card and we were upset that a debit card would access our savings account. We have had debit cards compromised before, which seems to happen easily at gas stations and ATM 's per our experience and reading about other people 's experiences. 
Even if our debit cards or checking account are compromised, we don't want the bad guys to access the money in our savings account. Both 2 years ago, and today, they canceled the card and confirmed that our debit cards can not access our savings account. But it seems very wrong to issue credit cards without our request, especially credit cards that access savings accounts! 
We don't need any response or action, but Wells Fargo should stop doing this! 
Thank you, 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 2017-04-01
Company: Navient Solutions, LLC.
State: WA
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:
I deferred my payments for the last 2 years but have been regularly making my payments for the last 5 months. The payments keep steadily increasing every month, from {$130.00}, to {$230.00}, to now {$460.00}. Every payment made has gone directly to interest, and the total amount owed, the balance of the loan, continues to increase every month. So with my payments the debt is increasing and never goes down. I owe {$35000.00} at between 4.5 % and 6.8 %. I owe about the same on my car at a higher interest rate with the same monthly payment, and with every payment made I see the total amount owed decrease. I do not understand why my payments are increasing & my total debt owed is increasing. At this rate I will always be making payments and the debt will never be settled. I am very frustrated as at the same time I am not able to pull my monthly statements and track what has been going on. When I previewed the transactions last night, which is when I noticed how my payments were being applied and that my debt was continually increasing even with payment, I noticed that the last several payments were labeled unspecified. My loans are through Navient. I need to eliminate this debt and need a clear path to making this happen. I really would appreciate any assistance as I do not trust Navient and feel that I am being defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Capital Servicing Group
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid collection agency, Capital Servicing Group LLC, who claimed debt was sold to them. Prior collection agency, XXXX, claims they still currently hold debt and debt was not sold. I paid Capital Servicing Group after being hounded by a representative for months and unsuccessfully attempting to have my insurance pay the bill. Ability Recovery says I still owe the debt. I have the transaction in my bank account for where I paid Capital Servicing Group. I do n't know what else to do-I can not pay another {$350.00} and I believe there is a chance Capital Servicing stole my information to collect debt I did not owe them.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-30
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MY LOAN WAS TRANSFERRED TO GREEN TREE IN XXXX XXXX FROM XXXX. XXXX XXXX I received a paper from them showing these fee 's that they added on and when I called them they could not explain it. I know I was n't behind on my escrow and my taxes went down as well. That 's the month when it started. I told them I was waiting to hear about my modification from XXXX and they said that I have to apply for a new XXXX with them. So I did and they denied me. I tried again and once again they denied me and said even though my house is worth XXXX the appraised amount they the house is worth is XXXX. 
When I applied for the modification again for the second time. they denied me. in XXXX XXXX. So I wrote a letter to appeal it and I did n't get anything back from them this time. So I called in XXXX and ask them what should I do next. First they said that they did n't get my appeal. And then they put me on hold and said OH YEAH WE FOUND IT. And they will be sending me out the paper work so I can reapply for the modification. While I 'm reapplying for that I get a letter in the mail from downtown. Saying they filed a foreclosure on my house. Which I did n't understand if we appealed it last year in XXXX. and they must have lost my paperwork. So between XXXX starting this an sending it over to green tree. Which Green tree is not helping not one bit.

Company response to consumer: Closed with explanation