BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Until recently I had my Mortgage loan with.XXXX XXXX XXXX. My loan was sold to Loan care. XXXX XXXX XXXX XXXX XXXX, VA XXXX. ( XXXX. So as of XXXX my new payment would be going to the new company. My loan is due on the XXXX of every month. 

I noticed that no withdrawals had been made. On XX/XX/XXXX. XXXX I contacted loan care and asked if they had automatic deductions set up. For my account since my loan was rolled over and had auto deductions set up previously with XXXX XXXX XXXX They stated they did not. So I made a payment over the phone. Setting up the auto deduction with loan care representative. 

When I checked my account I noticed two transactions were processed For {$2600.00} the auto deduction and the phone payment made. 

I have been calling and submitting statements since XX/XX/XXXX, I have been getting the run around. I received an email that the bank statement I submitted was not sufficient, the next day on contacted them. I was placed on hold for over 45 minutes. When I asked specific instructions on what they requested I also got different responses. 

On XX/XX/XXXX I received another email that they could not read the statement from the bank with its name and address clearly showing. So, that afternoon I went to my bank and got a signed letter head clearly showing everything they requested. Along with the two transactions that were processed. 

On XX/XX/XXXX I called to check on the status and they stated that they could not read the copy from the bank, but the letter from the bank was ok. I advised supervisor that I had multiple copies Showing clearly the type transactions. She advised that this would be sufficient. 

I have been waiting for my money to be refunded to my account but nothing. So I called on the XX/XX/XXXX. Meanwhile I have not received nothing via email that anything was needed. So when I called XX/XX/XXXX I asked to speak to Supervisor and she advised that I would have to call on Monday XX/XX/XXXX to get my tracking number. I thought that was strange. Because I know you receive that via email so I called XX/XX/XXXX speak with another representative and she tells me that have to provide another statement from my bank to show it was CLEARED. That is ridiculous it was not a check. It was taken from the company directly. XX/XX/XXXX I re- submitted another statement showing All of the information with the two double Mortgage withdrawals. I am very frustrated I hope that this can be resolved soon. 



They asked on XX/XX/XXXX XX/XX/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 2023-11-07
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
Contact agency about repo and having name removed from the account. Due to not having the vehicle, nor made any payments. I was just the joint owner to help the person get the car. I spoke to staff at the Bridgecrest agency. I was informed that I would have my name removed from the account and info updated on my credit to say paid by creditor. It has been over 30 days and I have not received any documents from our conversation or the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Notice was sent to TD AUTO finance for debt collecting in which all call were to cease and desist until debt was verified, which is currently not verified competently. from the dates of XX/XX/22 - XX/XX/22 TD AUTO made repeated calls in access of over 65 times that were documented

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. d/b/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Closure Request Checking Account XXXX To Whom it May Concern : On XX/XX/2021, I asked in writing for Populus Financial Group , Inc. d/b/a XXXX to close the above captioned account. 
Later that day, I was informed that my account could not be closed via email and was given instructions to log in to your account online and select Help -- > Close Your Account. 
To my knowledge, XXXX is only available via smartphone application, not online, and no such options exist within the app. 
Now, I must reiterate my request to close this account. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX account number # XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I was involved in both the XXXX & Capital One breach of security on XX/XX/XXXX & XX/XX/XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX  Balance : {$9700.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-25
Company: MRS BPO, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple calls and texts every day to my cell phone stating that I owe debt to a company that I have never had any type of dealings with

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXX XXXX XXXX Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXXXXXX XXXX XXXX, the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.

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 2022-11-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022, our property at XXXX XXXX XXXX was sold. Shellpoint Mortgage, the Servicing Company, provided the Title Company, Landmark Title, LLC, with a payoff amount of {$550000.00}. However, the mortgage statement dated XX/XX/XXXX, depicted an outstanding principal balance of {$380000.00} and a deferred balance of {$39000.00}, a difference of {$120000.00}. The account number for our mortgage was XXXX. 

I solicited the service of XXXX XXXX to recoup our funds but Shellpoint mortgage failed to respond to the Attorney 's letter, demanding an explanation. I called Shellpoint and I was told by a Representative, that they never received my Authorization Letter, granting DSK Law the authority to represent me, which, in-fact, accompanied my Attorney 's Demand Letter. 

Thus, I'm filing this complaint to recoup additional funds due to us if a reasonable explanation can not be provided, for the Payoff amount and other fees. 

XXXX & XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
ON XX/XX/XXXX I HAVE RECEIVED AN " URGENT ACCOUNT NOTICE '' FROM CITIBANK, TELLING ME TO GET IN CONTACT WITH CITIBANK IMMEDIATELY, OR MY ACCOUNT WILL BE BLOCKED, IF I DON'T RESPOND IN TIMELY MANNER. 
I WAS SHOCKED WITH THEIR APPROACH REGARDING MY ACCOUNT. I HAVE NEVER RECEIVED AN " OVERNIGHT '' LETTER FROM A BANK, WITH SUCH AN URGENCY. I'M A AMERICAN CITIZEN, CAME TO THE UNITED STATES IN XX/XX/XXXX, NEVER EVER HAD ANYTHING LIKE THIS HAPPEN TO ME. 
I DID EVERYTHING THEY ASK ME TO DO, WENT TO THE LOCAL BRANCH, SPOKE WITH THE MANAGER, SHE CALLED THESE PEOPLE, THEY CALL THEMSELVES, " XXXX '', ( XXXX XXXX XXXX  ), CAME BACK TO ME AND SAID : " EVERYTHING WAS O.K. '' TO DISREGARD THE FIRST LETTER FROM THE BANK, WHICH I DID. 
IT HAPPEN AGAIN, GOT ANOTHER " OVERNIGHT '' LETTER, THREATENING ME, THAT MY ACCOUNT WILL BE " BLOCKED '', IF I DON'T GIVE THEM NEEDED INFORMATION. I WENT BACK TO THE BANK, A COUPLE OF TIMES, TRYING TO STRAIGHTEN UP THIS PROBLEM, SPOKE WITH 2 MORE PEOPLE, TOLD THEM TO TAKE COPIES OF MY " TRUST '', MAKE SURE MY ACCOUNT STAYS OPEN, SINCE I'LL BE GOING ON VACATION OVERSEAS, IN FEW DAYS. 
I DID EVERYTHING POSSIBLE TO MAKE SURE TO KEEP MY ACCOUNT OPEN, SINCE ALL OF MY BILLS ARE PAID ON LINE. 
WELL, AFTER ALL OF MY EFFORTS TO KEEP THIS BANK ACCOUNT OPEN, CITIBANK BLOCK IT.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-13
Company: EQUIFAX, INC.
State: GA
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, this creditor, XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX recently ran into a wall as far as my financial matters go. However, I am now regrouping and I noticed that a number of my creditors have claimed that they have sold my debt to a third party. In any event, I am now requesting the following from the original creditors : 1 ) The name of the debt buyer where your institution claims it sold a debt.

2 ) A copy of the actual sale agreement between the parties.

3 ) A copy of both debt collection licenses and/or debt buyer license for the Commonwealth of Massachusetts where I reside.

4 ) A reasonable offer in compromise also known as a settlement offer that can be either mailed to me or sent by email. I would like to proceed on settlement offers immediately. 
If the account is still with the original creditor, I would appreciate a settlement offer immediately, regular mail or by email. Email responses will happen immediately. 
Thank you for your professional consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Investigation took more than 30 days

Complaint:
I been disputing false information on my credit report. requesting a copy of the original debt so it can be verified if not the information that doesn't belong to me should be removed.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account info is not accurate

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 2023-04-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never given any of the following companies ' permission to access my credit report in any capacity 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 EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX None of these companies will be able to provide any written or verbal documentation stating they have my permission to access my credit report. 

Also, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX accounts that belong to my son XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Since XX/XX/2018 I've deposited over {$2800.00} into my coinbase.com wallet. My account was locked and I was told to upload my drivers license and utility bill to confirm my identity, which I did several times. It's been almost 2 months and now the customer service phone number dont work and they don't respond to my emails. After reading 100s of  complaints against coinbase.com in the last week I feel like they are a scam ... please advice

Company response to consumer: Closed with explanation