BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I contacted Wells Fargo XXXX XXXX on XX/XX/XXXX regarding what I feel is a deceptive and unfair practice in how payments are applied to my account balance. This card is for use only with medical/dental expenses provided by approved providers. Wells Fargo XXXX XXXX offers an interest-free/deferred period on each individual charge. If the charge is not paid off within the designated number of months, the full amount of interest ( from the date of the charge ) is added to the balance and accumulated forward. In my case, the rate is 12.99 %. I currently have XXXX separate charges on my account. Payment has been made on a timely basis since the inception of the account. I have paid more than the minimum payment nearly every month in order to pay off the balances of each charge prior to the end of the interest-deferred period. 

In XXXX I paid double the minimum amount for a total of {$300.00}, ( an additional {$150.00} over the minimum payment required ), believing that one of the older charges would be paid off in its entirety and the second oldest charge would be reduced accordingly. I was dismayed to discover when the new statement arrived, that only a fraction of my payment had been applied to the oldest charge. Much of the payment had been apportioned to the newer charges that have more distant interest-deferred periods. 

I talked with the representative and was told that payments are apportioned to all the charges at the rate of 3.5 % of the charge. I feel this is an unfair practice because it makes it more difficult to pay off the balances that will in the nearer term incur the full amount of interest that has accumulated back to the original charge date. 

This is a deceptive practice, leading consumers to believe that if they make sufficient payments to pay off each charge during the interest-deferred period, they will not incur any interest on each charge. 

I understand banks are in business to make money, and interest is a major way of doing so. However, if the bank does not wish to provide interest-deferred accounts, they should not do so, especially under these deceptive circumstances. 

I ask that this practice be reviewed and require the bank to apply payments to the oldest charges first, in the order they were made. This will help consumers be able to pay off charges without incurring large interest charges in the spirit of which they opened the account in the first place.

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 2022-07-18
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-03-01
Company: AmeriHome Mortgage Company, LLC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021, the servicing of my mortgage was transferred from XXXX XXXX XXXX  ( XXXX XXXX  XXXX ), which was sub serviced by XXXX XXXXe XXXX to Amerihome Mortgage Company LLC. On XX/XX/2021, the XX/XX/2021 payment was made to XXXX through a bank draft. The XX/XX/2021 installment was not processed and I went online and made a payment to XXXX, accidentally, on XX/XX/2021. I also made the XX/XX/2021 payment to XXXX on XX/XX/2021. On XX/XX/2021, both payments were returned to me and upon research, I found the mistake as well as why the payments were returned and called XXXX mortgage to make the XXXX and XX/XX/2021 payments on XX/XX/2021. In speaking with the representative, I was assured that the XX/XX/2021 due date would be covered under RESPA. Per RESPA, I have 60 days from the date of servicing that the payments made to the prior servicer will not be considered late. XX/XX/2021, is the XXXX-day post servicing transfer. The XX/XX/2021 payment should not be reported late by the new servicer. XXXX XXXX is reporting the XX/XX/2021 installment in XX/XX/2021 as 30 days past the due date. This is incorrect and needs to be changed. I have made multiple calls to fix the error, I disputed with the CRAs, and I have faxed a letter with my explanation to XXXX with no investigation that fixes the issue. I was told by more than one agent on the phone with XXXX that they have a servicing date of XX/XX/2021, in their system and I suspect this is the reason the credit reporting has not been fixed. Per their " Welcome Letter '' the servicing date began XX/XX/2021, and they must abide by their official correspondence with me. I have missed my opportunity to refinance my mortgage for a better rate now that rates have been going up again. I could have saved thousands, but the error in the reporting has prevented me from going forward with the refi. I have attached the welcome letter and my bank statement proving payments to XXXX, payments returned from XXXX, and then payment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: General Motors Financial Company, Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
After filing bankruptcy on XX/XX/XXXX, the GM Financial company sent letters statements that they were aware and I no longer need to pay. Same with XXXX XXXX however ... GM Financial, XXXX, XXXX, and XXXX refuse to put at XXXX balance or remove off my credit reports. I personally sent letters and called the burueas and they refuse to help me back in XXXX. I hired XXXX XXXX in XXXX and they didn't get results. I sent letters on XX/XX/XXXX because I found out with my Loan Officer that this inaccurate debt is effecting my opportunity to get qualified for mortgage. Plus in the letters from GM state that I no longer owe. I personally returned vehicle back to dealership in XXXX XXXX XX/XX/XXXX. Please help me clear this false amount account that I've not been responsible for for over a year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX Summit XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ( P ) ( XXXX ) XXXX ( F XXXX XXXX old name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due to rent and she moved out in XXXX of XXXX, with all bills paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX XXXX XXXX XXXX XXXX XXXX XXXX County Justice of the Peace 6XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I don't live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction and there is no amount to be paid. Please contact the property and correct the court records and remove this from Transunion, XXXX, XXXX, Case # XXXX XXXX XXXX, 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
Consumer complaint received 2018-05-15
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Frost Arnett After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Care Credit provides financing for health care, patient 's request financing for XXXX   services, I provide the XXXX services, Care Credit dont want to pay me for my services because my credit history. This practice of discriminating because my credit history is wrong, because I'm not the person who's requesting credit, I'm only an intermediary who provide the service, what does the services I provide has to do with my credit history? 
Also I think this practice violate interstate commerce because is limiting the number of patients I can give treatment, on a basis of my credit history. 
They are also limiting their client decision to be treated to whoever they want, the right to chose his doctor, because they are only going to pay doctors for their services who have good credit, and not paying the ones who have bad credit, again the provider of services is not the person requesting credit from CareCredit is the patient who is requesting financing to pay for the services I provide and is the patient who Care credit give the financing and is the patient who pays to Care Credit, so the services I provide don't have to do anything with my credit history, this is a bad way to use my credit hystory and interfere with the right of the customer to chose his doctor, and the doctor to provide his treatment, and a bad way to use credit history against myself

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 2022-07-18
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-09-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have an account with Coinbase. On XXXX, I withdrawed XXXX XXXX XXXX of EUR from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of today ( XXXX ), I have still not received the payment. I have tried contacting Coinbase via email and customer support multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions. I need the money and Coinbase is profiting from the float. 

Coinbase Account name : XXXXXXXXXXXX Multiple users are already impacted as of all the complaints here Please help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

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 2017-09-11
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i have probmle of money they took on my bank.

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 2017-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been checking into my credit lately because I plan to purchase a house. I see on my credit report that Capital one has reported late payments. I have never had a late payment with them EVER. I have spoke to them and they keep referring me to a collection agency. I do n't know why I have to speak to someone in collections if my account was paid in full before I closed it. I want to keep all my financial business with one company and that 's why I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
About 4 years ago I took out an auto title loan with RAPID AITO LOANS based out of XXXX XXXX. 
That loan was paid in full in an amount agreed to by an officer or employee of said company on XX/XX/2022 and was told it would take 15 days to release the lien. 
After numerous phone calls in attempts to have the line released it has not been affective. 
So I'm reading out to my US SENATOR XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-09-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
The account is locked, i can't buy new bitcoins, ethereum, etc.
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Case ID: XXXX Updated: XX/XX/XXXX XXXX PDT Created: XX/XX/XXXX XXXX PDT
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XXXX XXXX.
XX/XX/XXXX XXXX
why are my buys disabled?
Coinbase Support
XX/XX/XXXX XXXX
Hello and thank you for contacting us.

Our records indicate that you may be writing in to us asking about a cancelled order or the inability to buy digital currency using our platform.

Cancellations and account restrictions are applied by our automated software, and sometimes in error. If your account or an order you placed has been negatively affected by this, we sincerely apologize.

We definitely want our good customers to be able to buy digital currency with us easily. If you feel that a cancelled order or account restriction was made in error, or you have another issue that needs to be addressed, please reply to this email letting us know.

Also, please take a moment to ensure that you have verified your ID with us. You can double-check this by navigating to https://www.coinbase.com/XXXX and checking to see if your ID document is on file with this. Please note that we may not be able to review your case until that document has been uploaded.

Thanks for your understanding as we continue to grow and improve our services.
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XXXX XXXX XX/XX/XXXX XXXX
I Think there is an error.
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XXXX XX/XX/XXXX XXXX, "Coinbase Support"  XXXX XXXX:
XXXX XXXX
XX/XX/XXXX XXXX
Hi, any news? buys are still disabled!!!

Too much time to solve a simple thing..i think i will move to another platform.
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XXXX XXXX XX/XX/XXXX XXXX
Hi, my buy are still disabled.
What can i do?
It's one month that i'm waiting for a reply and If i will not have it in
few days I think I will close my account.

Best Regards XXXX XXXX -------------------------------------------------------
XXXX XXXX XX/XX/XXXX XXXX
I've uploaded 2 documents but it says that only one is present but in the page there are two
------------------------------------------------------- XXXX XXXX
XX/XX/XXXX XXXX Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
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XXXX XXXX.
XX/XX/XXXX XXXX
Good morning, 
i've uploaded 2 ids but i have still limitation on my account.
-------------------------------------------------------
XXXX XXXX
XX/XX/XXXX XXXX
document re-uploadedI've tried to contact them 
i'm still having this issue since months and no one from the support have fixed it..
I've tried to reupload my documents but nothing has changed.
I'm seriously thinking about closing my account because of the lack of support.
Will someone answer to my questions? thanks

Best regards,

XXXX XXXX

Company response to consumer: Closed with explanation