BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I tried to purchase XXXX BTC from coinbase I received an email stating my order was cancelled. so I withdrew money out of my bank account. coinbase still deducted the money for the purchase out of my bank account via my debit card. Which overdrew my account. I never received any Bitcoin and coinbase does not respond to my emails. My coinbase account is under the email address XXXX  At the time of purchase the amount of Bitcoin was worth {$450.00} plus they charge me a fee for loading the account when I only use them because they said by Bitcoin for free with a debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was working on a short sale with XXXX. They countered XXXX and my client approved. We were just waiting on XXXX XXXX approval. In the middle of this process the negotiator told me that the loan was being sold to Rushmore XXXX XXXX. I could not talk to Rushmore because the file had not been transferred. XXXX XXXX I called Rushmore and they said they could not speak to me because the file did not transfer to them yet. This process took a week and a half. In the meantime I saw there was a foreclosure for XX/XX/XXXX. I asked the representative if that would be an issue an she said no. I was finally assigned a negotiator and he ordered the BPO. However last week he told me his supervisor said that Rushmore needs 60 days to complete the short sale. I was close to getting an approval with the previous servicer and I believe it is unfair for them to schedule the short sale foreclosure sale date without even giving us the opportunity to complete the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX, CA - XXXX XXXX/XXXX/2016 Wells Fargo Bank, Customer Correspondence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, NC XXXX Dear Wells Fargo Bank, RE : Bank Associate Given my Accounts details and New ATM card to another Customer Account # XXXX Today XXXX/XXXX/2016 around XXXX I got a Wells Fargo phone alert Debit card ending # XXXX try to ATM Cash withdrawn at XXXX XXXX ATM and due to incorrect PIN transaction has been denied .I got so many alert ( screenshot attached ) and after that I called your call center and stop that above ATM card. 
Even I did n't order any extra ATM card at all past few years. 
After few mutinies later I got four emails from your bank and says I have been changed mailing address / Phone number / Customize Summery Details and Cancelled Wells Fargo Surepay Mobile ( screenshot attached ) .As soon as I log in to my online banking, I seen they have {$200.00} XXXX ATM Cash withdrawn and another {$82.00} ATM Cash withdrawn. I am so shocked and I live in XXXX XXXX and how possible ATM withdrawn while I am in XXXX XXXX. I Called again your call center and informed that my account some fraud activity. 
Agent says Wells Fargo XXXX XXXX Branch issued new ATM card today. How is possible? Without any verification how your banking associate did issued ATM card and that 's the reason another person withdrawn money from my account. And Banking associate update new mailing address and personal contact information to. ( screenshot attached ). 
Good thing is I called your call center and cancelled ATM Card last for number ending # XXXX. 
I am still disappointed and this is serious issues. I should ask legal help this serious matter I need my new ATM Card as soon as possible and Delete my profile XXXX XXXX mailing address. 
Your Bank looking in to my complain serious issues and take an action as soon possible. 

It 's wo n't be happened for future customers .and You should reverse that Amount {$200.00} and {$82.00} as soon as possible. 

If you need any more details contact me ( XXXX ) XXXX Thanks XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I filed with Bank of America Appeals Intake, fax XXXX Re : request for reevaluation of loan # XXXX on XXXX/XXXX/17 ( despite auto update of fax date on copy of letter ).
This was consistent with the request on p. 3 of the attached letter dated XXXX/XXXX/17 ( the denial letter ). I maintain that my fax of the letter was consistent with the BOA request that I send my information by fax and my desire not to communicate with BOA over the phone since there have been numerous inconsistencies between what I have discussed and what is actually done.
Now BOA is saying they had no requirement to respond since I did n't make the phone call as specified also on p. 3. I believe this continuing the practise of BOA to despite the ruling of Case Number : XXXX Filed : XXXX/XXXX3/2017 in the US Bankruptcy court which held in Doc # XXXXthat loan request were " routinely either lost or declared incomplete or stale or in need of resubmission or denied without comprehensible explanation. ''

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 2017-07-17
Company: Sterling Infosystems Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Concerned because I just viewed my background and want to know what exactly is DOJ national   XXXX   XXXX  ? I am not in any way a  XXXX    XXXX   nor have I ever been charged or convicted of such. I would like to know why there is a level  XXXX  under this catergory?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX   XXXX   has pulled multiple hits on my credit file with wrong social security number submitted to them online. TransUnion refuses to allow me to dispute the  XXXX  hard pulls on my account.   XXXX   XXXX   refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.

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 2017-01-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I 've been receiving a number of email from someone claiming to be associated with ACE Cash Express , Inc. A few were subpoenas to appear in court, and the latest is from a XXXX claiming that an arrest warrants has been issued unless I pay a settlement amount. The email includes such threats as reporting the case to my employer which WILL result in being terminated and blacklisted from any job. What a bunch of bogus. I do n't want others to fall victim to this obvious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.

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 2016-04-13
Company: Ocwen Financial Corporation
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Cancellation of Debt Form XXXX for {$30000.00} was sent to IRS for XXXX. The property involved was discharged in XXXX. I have enclosed copies of my Chapter XXXX Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Niagara Restitution Service Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from NRS saying I owe a debt to their client if not paid then they continue with garishment and other legal action against me. I was persistent that I do n't know where the debt came from and I did n't take any long out. I also mentioned that I will have my lawyer to contact them but they keep calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called and requested for my PMI to cease at 80 % but was told I could only get it to stop at 78 %. I then received a letter that stated " even though you have met the 5 year requirement your request to cease PMI is denied because your principal has to be lower thanXXXX but your principal is XXXX so you claim is denied. I had to look for a new company to refinance my loan because of this which put a burden on my family. I incurred cost of the refinance and paid more PMI than I should. I feel this was a tactic for Wells Fargo to obtain more intrest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have filed previous complaints about Synchrony bank. I have multiple accounts with them. They repeatedly do not apply my payments correctly. This time it is with my Walmart Card. My last payment has disappeared from their system, I made a payment on time last month, and now they sent me a certified letter stating that my payment was never made ... but my balance was reduced after my payment and I went shopping. So how could this be?! Now the system says I have n't made a payement since last year! This is messing up my credit!

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 2017-07-17
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed by Second Round LP that my alleged account with them was sold to   XXXX   XXXX   XXXX   even though Second Round 's claim against was dismissed in court. I have called and left several voice mails with   XXXX   XXXX   XXXX   to discuss this matter and no one answers the phone or returns my calls.   XXXX   XXXX   XXXX   does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by   XXXX   XXXX   XXXX   to be ceased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: McCarthy, Burgess & Wolff, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Homeowner had   XXXX   home security system dates XX/XX/XXXX  for {$2200.00}. Homeowner sold home In   XX/XX/XXXX   and cancelled system. Homeowner asked  XXXX  that new homeowner would like to keep the system and  XXXX  agreed to keep the system in the home and transfer the service to new homeowner.  XXXX  mislead the homeowner that  XXXX  failed to provided required services to new homeowner and is requesting full payment of contract for services not provided and not functioning after home was sold and contract closed by homeowner.   XXXX   is claiming debt owned but no services have been provided to warrant amount owed.
Further,   XXXX   debt collection agency did not provide valid claim to debt within proper notice. Additionally, homeowner provided written notice to debt collection agency to cease communication and debt collection agency continues to communicate with homeowner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On  XXXX   XXXX , 2017, I was charged a {$25.00} ACH return fee for a  XXXX  purchase of {$59.00} made on  XXXX   XXXX , 2017 due to NSF.
Subsequently, on  XXXX   XXXX , 2017, I was charged another {$25.00} ACH return fee for the same purchase ( my account still did not have sufficient funds to cover the purchase ).  XXXX  attempts to RETRY several days after the first attempt resulting in the bank charging fees on the original ACH return as well as subsequent retries. On  XXXX   XXXX , 2017, I was charged yet another {$25.00} ACH return fee for the original  XXXX  purchase.
On  XXXX   XXXX , 2017, the same thing happened with my  XXXX  auto insurance autopay. I was hit with a {$25.00} ACH return fee. On  XXXX   XXXX , 2017,   XXXX    attempted an ACH retry. I was n't charged a return fee this time because the bank froze my account.
I received a letter on  XXXX   XXXX , 2017 from the bank saying that I had excessive return activity, and that they would close my checking account if it continued. Although I take responsibility for the original ACH returns, I am not in control of ACH retry attempts, and the bank is charging me fees multiple times for each retry ( even though ACH rules do n't consider retries as seperate transactions ).
I hereby dispute the fees and/or actions associated with ACH retries.

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 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I was contacted by US Dept of Education/ XXXX  about a student plus loan that I did not sign for. During initial contact   XXXX   2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from  XXXX . When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with  XXXX  I was told that I needed to file a police report, in which I did immediately. I provided the   XXXX   police report to  XXXX  ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the  XXXX  major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by   XXXX   to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/ XXXX , Trans Union,  XXXX  and  XXXX  for reporting inaccurate data.

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 2015-05-19
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold our mortgage to Residential Credit Solutions based in XXXX XXXX, Texas, after a 5 year fight in court under Bankruptcy. A modification was done and accepted. The terms and payment schedule was set and agreed to by all. RCS, is coming back now and charging us for what they called un-applied funds which are 2 months of regular payments. I 've submitted documentation showing all payments have been done per the terms. They are threatening us with acceleration to foreclose our mortgage. And they 're not accepting our regular payment. I think they 're practicing unfair business practices since we 're XXXX. We want to work with RCS and resolve this issue and for them to stop the threatening letters. By not accepting our regular payment, I believe they 're forcing us to be even more delinquent by adding more penalties and reporting us being more than 60 days late. Which in my opinion is totally false! ... We need desperate help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated harrassing phone calls from this number XXXX Asking how to locate XXXX XXXX. These same harassing calls were also spread to my family and friends. They were actually for my deceased wife. This company continues to harass myself and family over a debt that was discharged due to death. Here estate is closed a matter of public record. 
After contacting a member of their customer service department she accused me of lying about this. This company is beyond irritating!

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 2015-11-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A short sale was initiated with Wells Fargo the beginning of 2015, over the course of this year Wells Fargo has continued to delay the process, requesting the same documents over and over and over again, these documents have been submitted via their fax line and emailed to womomever the current file owner is at the time. The documents are confirmed to have been received however a week or two passes and they ask for the same documents over again. This file has been escilated to the executive offices at Wells Fargo and they then reassign the file and the process of submitting the same documents over and over begins again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted an application for Loan forgiveness through Federal Student aid loan or loan reduction due to a school that has been known to been falsely advertising themselves, in my case   XXXX   XXXX  ,   XXXX   XXXX  . I submitted complaint to both sides more than once with a follow up status if my application has been accepted or not, this has been since  XXXX .2016, I have all proof to show, I call numbers and send emails yet no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
US BANK - XXXX XXXX, 2014 DISPUTE AMOUNT XXXXUS BANK XXXX XXXX XXXX, 2014 DISPUTE AMOUNT XXXXTO WHO THIS MAY CONCERN : FUNDS WERE TAKEN OUT OF MY ACCOUNTS. THESE ACCOUNTS WERE SATISFIED. THESE ACCOUNTS ARE IN GOOD STANDING PER BANK BRANCH MANAGER. PLEASE REMOVE THESE NEGATIVE ACCOUNTS OFF MY FILE. OR SIMPLY UPDATE THEM. MY ACCOUNTS WITH US BANK ARE STILL OPEN AND POSITIVE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 already reached out to transunion regarding some inquiries that were not supposed to be made on my transunion credit report. 

They have validated the inquriies These companies advise me that they would make a soft inquiry but they were hard. 

They did not have permissive use.

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 2015-06-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
Without my permission, Wells Fargo took money from my bank account to pay for a new purchase on my Wells Fargo Credit Card. I did not authorize a new payment schedule for this new purchase and Wells Fargo took it upon themselves to draft money from my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief