BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not sent notice to dispute the validity of this alleged debt. I am disputing the completeness and accuracy of this trade line that is being reported to my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending in dispute letters for about 6 months requesting the company investigates as most account they have listed for me are not mine and/or accurate. I have requested validation and verification from them however they have yet to send me the requested documentation however have continued reporting such information to my file that is harming my ability to obtain credit and move forward in life.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase has placed a hold on my account, without any noteworthy activity on the account. CFPB previously assisted in an account issue a couple years ago for the same account, and now we're back at it. 

If my account is not restored within the specified timeframe, and access to my funds remains blocked, I will pursue legal action. Case ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See previous, ongoing complaint but more added to the problem. 

XXXX I received another " Home Loan Account '' statement this month with more errors. 

I spoke to representatives ( XXXX XXXX and XXXX XXXX ) in BoA 's servicing department who admitted they had misapplied an extraordinary payment ( sent at their direction, following their directions XXXX to reimburse wrongly continued escrow account. 

They waited over 6 weeks to tell me of the error and only admitted it when I pressed them on a call but refused, to date, to send me an apology ( that they promised ) and corrected documents. 

I have tried to follow up with emails and calls and I have been ignored. 

This problem stems from an improper payment of taxes that they paid to the District of Columbia over 6 months ago!

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 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-06-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I can't sleep anymore. I was up all night, finally fell asleep around XXXX. dreamt about XXXX. woke up extremely agitated. layed in bed until XXXX. asked XXXX XXXX a question about XXXX, and within XXXX minutes it was giving me numbers to call for disturbed people. I don't feel comfortable walking through my house. I'm constantly looking outside to see if the home invaders are looking back at me through the windows. My grandmother doesn't even remember the situation, but I erupted into a fit of rage when they came back yesterday, and I can see that she knows something is wrong. I'm worried about the effect it has on her health...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
- NCB Management services have been contacting me for at least 6 months now for a loan ( A/C # XXXX ) that I don't own. I already have confirmed that the XXXX  XXXX XXXX account ending in XXXX is not mine. I have communicated this information to NCB. 
- NCB reported this account to credit reporting agencies. Interestingly, the account opening or good standing never appeared on the credit reports. It appeared in the collection for the first time. ( A gray area and opportunity to improve the way debt collectors work ) - I inquired with XXXX and they told me to work with the collection agency. 
- I inquire NCB what do you need to establish that this is not my account. They asked for a identity theft police report. A police report number was provided to the NCB representative over the phone. However, they asked for the copy and a policy copy was mailed on XX/XX/2023. 
- On XX/XX/2023 XXXX XXXX a representative of NCB said that they need their investigation packaged to be filled. 
- The investigation package was completed and delivered to NCB in XXXX. 
- On XX/XX/2023 a conference call held between NCB representative XXXX and XXXX representative, XXXX. The whole case was discussed. XXXX confirmed the receipt of police report and all the initial discussions with NCB. 
- XXXX from XXXX suggested to file an FTC identity theft complaint. In addition she suggested to have a fraud alert on file. She also asked for a copy of the police report. These all things provided to her too. XXXX and other reporting agencies removed this item from my credit file. 
- Just when I thought it was done and dusted. NCB again started to call me and ask for money. I talked with XXXX XXXX from NCB on XX/XX/2023. She looked at her record and said yes we have a copy of the police report but we need two forms of IDs. Which I sent to NCB on XX/XX/2023. 
- Comes XXXX and now NCB is again calling. I talked with XXXX on XX/XX/2023, he said he ia supervisor at NCB. He said he would look into it. 
- But now XXXX XXXX on XX/XX/2023 from NCB is calling and rudely asking for money or settlement. He said he would report it to credit agencies. I requested him to transfer my call to XXXX or XXXX. He made a lame excuse and kept on talking. 
- This whole identity theft is horrible. 
- I have done every possible thing and provided everything needed. I have been asking NCB what else do you need to establish that this is identity theft. But a refusal to say anything, they said it's not our responsibility to tell you what to do. seriously?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Information belongs to someone else

Complaint:
I was never known as XXXX XXXX. Thats my uncle. You may have mixed-up my file and all my other family members account are on my file.

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 2023-08-23
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to make payments to EdFinancial, however they are not reflected as received, yet the third party payer making the payments on my behalf have proof that the payments were processed. There are several month of payments missing including : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 EdFinanical is blaming the transition to the new systems. This transition is taking over 6 months. And since they shut down the old system I can no longer access my previous payment records. A new system should not have been implemented until it was tested. They should have had both systems running at the same time. Now my payments are no where to be found and my loan is reflecting a payment due. 

Because of EdFinancial, my third party payment provider is unable to send ACH payments which would be safer and more efficient. 

I have spent HOURS each month trying to track down payments and the only response is that it will take months for payments to post. I don't understand how they are able to process payments received yet not reflect a payment made, very unprofessional. This is horrible and I would like this rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XX/XX/XXXX - Created an ad on XXXX XX/XX/XXXX XXXX XXXX  ad presented publicly on the website XX/XX/XXXX - Text message from number XXXX exchanged about the vehicle sale [ see attached ] XX/XX/XXXX - Text messages from number XXXX exchanged about the vehicle cost [ see attached ] XX/XX/XXXX - A USPS priority mail envelope containing a certified XXXX check for $ XXXX delivered to my home address XX/XX/XXXX - Deposited $ XXXX certified XXXX check to my PNC account XX/XX/XXXX - PNC Authorizes a $ XXXX domestic transfer for vehicle transport fee [ see attached XXXX ] XX/XX/XXXX - PNC text notification determines fraudulent $ XXXX check. 

XX/XX/XXXX - Spoke to the Loss/Stolen Card Department representative who froze my account XX/XX/XXXX - Text message received from fraudulent source demanding explanation for stop payment [ see attached text chain ] XX/XX/XXXX - Reported fraud to PNC bank manager and a representative. 
Both confirmed an internal bank investigation and the freezing my account. They suspended my customer services suggested that I report the fraud to the XXXX Police Department. 

XX/XX/XXXX - I filed a police report in XXXX [ see attached ] XX/XX/XXXX - Cancelled my work direct deposit as well as automatic withdrawals with PNC XX/XX/XXXX - Counseled with XXXX in the XXXX XXXX XXXX Department XX/XX/XXXX - XXXX PNC text demands I pay $ XXXX to them [ see attached ] XX/XX/XXXX - XXXX ( in-person ) Counseled with XXXX at the XXXX XXXX NJ XXXX XXXX. She inspected the envelope and shipping label. 
Declares the label a fake. Refers me to the NJ XXXX XXXX XXXX. 

XX/XX/XXXX - XXXX Counseled with XXXX in Consumer Affairs NJ Attorney General 's Office . He recommends a criminal lawyer as bank theft is not consumer related. 
Advises filing with the Federal Trade Commission, Consumer Financial Protection Bureau and the NJ Department of Banking and Insurance. 

XX/XX/XXXX - XXXX Called and counseled with NJ XXXX XXXX XXXX XXXX 
Counselor recommends return to bank. That, as the envelope was most likely not officially mailed, the fraud issue lies with the bank. 

XX/XX/XXXX - XXXX Called and counseled with XXXX in the Consumer Financial Protection Bureau XXXX Told me to file a complaint on-line with her office and to file with the police. That the FBI should be notified. Report where the fake certified check came from with the Federal Trade Commission. 

XX/XX/XXXX - XXXX Called and counseled with Consumer Support at XXXX. They request screenshots and emails from the fraudulent buyer so that they can block /discontinue the false activity from their end XX/XX/XXXX - XXXX Updated Police Report to file # XXXX with XXXXXXXX XXXX on at the XXXX Police Department XX/XX/XXXX - XXXX XXXX. XXXX from XXXX Police Dept. 
leaves a voice message on my number requesting follow-up XX/XX/XXXX - PNC correspondence postmarked XX/XX/XXXX, & XXXX, XXXX delivered to my home address [ see attached ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive just reviewed my credit report and noticed the following inaccurate item ( XXXX ) : XXXX XXXX XXXX This account is listed as being XXXX days late. I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries XXXX days old and add a promotional suppression to my credit file. 

This is a clear violation of my rights under ; 15 U.S CODE 15 1666 15 U.S CODE 15 1681B Please Remove these late payments from my account.

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: EQUIFAX, INC.
State: IL
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:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX Paid as agreed. 
XXXX Paid as agreed. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

You are also in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.I am in fact a consumer and never gave you written permission to furnish these accounts on my consumer report. I DEMAND you to remove asap. 


XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Advance America, Cash Advance Centers, Inc.
State: MT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my XXXX credit report, I found a listing from XXXX XXXX XXXX, for a payday loan from Advance America. I previously had a conversation with Advance America in XXXX indicating this was not my debt, as I have not lived in Washington State since the end of XXXX and they indicating they would be handling it internally. The listing indicates that it was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: UT
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:
Hello so XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Utah has reported a repossession on my credit report that they then resold the car to someone else after repossession and which the only reason I know I because on this card on the subs my name is carved into them and a car had ansystem playing and I seen it was the same car as I use to have that got repossessed so I said hey can I see you subs and he said yes and sure enough the subs had my name carved in them I asked where he got car said he bought it from XXXX XXXX XXXX XXXX  for XXXX which cover the amount I owe and if a company doesnt auction the vechile and put that money towards the past due balance instead they resold car then are receiving XXXX dollars more for the car and hasnt even given me any credit in my credit report the balance is the exact same as when I got car repossessed in. Disputed they keep saying its accurate which if thats that case its illegal for them to be collecting money on the car from someone else and saying they havent received any amount for that car that they reported I havent paid any towards and they didnt recover anything or any amount of car they need to take this car as paid in settlement or something but needs to be a XXXX balance.

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 2021-02-10
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
THIS COMPLAINT FILE IS RELATED TO THE " FEEDBACK ACTION, '' PREVIOUSLY FILED AND RECENTLY CLOSED COMPLAINT NUMBER : XXXX This file is related to the official reply from Champion Mortgage, to the Consumer Protection Financial Bureau ( CFPB ), which Champion Mortgage submitted upon my Mothers original formal complaint to the CFPB. 
Champion Mortgages reply here is the same as a Deposition. Champion Mortgages reply here admits to violating XXXX XXXX Regulations. 

Champion Mortgage 's reply completely ignores and does not address numerous important answers to the questions which I am alleging against Champion Mortgage for breach of contract. 

XXXX XXXX mortgage regulations requires that the initial insurance proceeds disbursement shall be 33 % of the entire amount of proceeds in escrow account to XXXX XXXX. In the reply letter attached here, Champion Mortgage admits that they did not pay 33 % of the proceeds to XXXX XXXX. 

XXXX XXXX  regulations require that Champion Mortgage shall make all insurance proceeds check payable only to XXXX XXXX if she obtains a Massachusetts and XXXX of XXXX Waiver Exempt Document. In the reply letter attached here, Champion Mortgage admits that they forced XXXX XXXX to have check written payable to XXXX XXXX XXXX XXXXXXXX, XXXX In the original complaint file to the Consumer Financial Protection Bureau, XXXX XXXX introduced a demand letter directed at Champion Mortgage citing Massachusetts Law and XXXX XXXX  Regulations related, now in two reply letters, Champion Mortgage cites XXXX XXXX  ' as their rebuttal. This action is breach of mortgage contract by Champion .Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Affirm Holdings, Inc
State: VA
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:
In Accordance with the fair credit reporting act XXXX account XXXX XXXX  has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was making an online purchase, the merchants web site glitched, resulting in a pending payment. The merchant canceled the payment immediately. Cash App kept my money, and has not returned it 5 days later ( when I'm writing this ). When I contact Cash App I get the same preformed responses that tell me to contact the merchant and if they cant help the money will be held for a week. The merchant did help, still no funds. When I tried to complain about this, Cash App literally terminated to conversations.

Company response to consumer: Closed with explanation